ComplaintsforDBS Financial

• Initial Complaint

  03/15/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We were all caught up on payments and were due to make a payment tomorrow 3-16-23, and the vehicle that is financed thru DBS was just reclaimed out of my driveway. This is not the first time this has happened. Unless the vehicle is so many payments behind, I didnt think they could reclaim the vehicle. I'm also planning on filing theft and fraud charges on this company as well. We have called them multiple times to set up an auto pay for the payments and they tell us yes it's set up, and it never gets done. I will never use them again. Also if their building were on fire, I'd make sure a derailed gasoline tanker would be heading right for their front door..

  

  Business response

  03/17/2023

  *************** to complaint # ******** for **********************************  ****** and ********************************* purchased a 2010 Chevrolet Impala from *************** in *********, **** on 2/17/2020, pursuant to a retain sales installment contract.  The vehicle was repossessed on 3/15/2023.  As of 3/15/2023, the account for this vehicle was 89 days past due for a total of $1,285.93.  ******** has spoke to the collections supervisor ******* and is working on trying to redeem the vehicle from repossession.  We encourage ******** to contact DBS Financial with any further questions at ************.

• Initial Complaint

  02/11/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On Febuary 11th 2023 ****** DBS Financial Inaccurately reported a 110+ point drop in my Updated Payment History violating my Consumer Reporting Privacy Rights. WHERE NO INVESTIGATION WAS DONE TO DEDUCE A NEGLECTED RESPONISBLITY TO BE REPORTED TO ALL # MAJOR CREDIT AGENCIES.15 US C**** section 602 A states the Right to Privacy 15 U.S. Code ****b - Permissible purposes of consumer reports: 15 U.S. Code ****d - Disclosure of investigative consumer reports 15 U.S. Code ****i - Procedure in case of disputed accuracy 15 U.S. Code ****q - Obtaining information under false pretenses 15 U.S. Code ****h - Conditions and form of disclosure to consumers 15 U.S. Code ****w - Disposal of records USC **** section 604 A section 2 states A consumer **************** Shall not furnish a account without my written consent/ instructions.15 U.S. Code ****c - Communication in connection with debt collection:Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt15 U.S. Code ****b - Acquisition of location information:Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall(1)identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;(2)not state that such consumer owes any debt;(3)not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

  

  Business response

  02/17/2023

  *************** to complaint # ******** for *****************************  We have reviewed ********'s file and we do not show an inaccuracies that have been reported to the credit bureau agencies.  We would ask that ******** provide us with a copy of his credit report for review so we can see what inaccuracies he is referring today.  With regards to the points dropping on his credit bureau, DBS Financial does not determine what the points or credit score actually are or how our reporting impacts those numbers.  ******** can contact ************************* at ********************** with any further questions or concerns.

• Initial Complaint

  02/06/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  There have been numerous attempts to withdraw payments after I have been asked to be removed from autopay. The vehicle leased to me by the company is no longer in my possession. It was repossessed by the company. I filed bankruptcy so technically I have no legal obligation to continue payments but the continue to attempts withdrawls.

  

  Business response

  02/10/2023

  I am responding to complaint # ******** for ****** *****.  The automatic payments that ****** is seeing are the automatic payments she setup thru our online web portal.  I can confirm that as of 2/10/2023, the online payments that were scheduled have now been cancelled.  She can contact ****** ****** at ************ ext. **** with any further questions.

• Initial Complaint

  01/24/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On November 2nd, 2022 i lost my job,. i paid my car note two times after losing my job.. and after that i fell behind. my bank had several returned payments ive had several failed jobs and all while i had communication with *** about my situation. on January 15th, i emailed my account manager ****************** and thanked him for working with me and i explained everything thats going on. He decided to tell me about a hardship program and i completed EVERYTHING i was told to do. ******* told me that i needed $192 to finalize my paperwork and i needed it by January 27th, 2023. I told ******* that i will call him monday, January 23rd, 2022 after my first day of work to tell him about my pay date. i left him a voicemail, he never returned my call. Around 4am, January 24th,2022. My car was getting repossessed. I called the *** company that same morning to tell what was goin on, and ******* completed dismissed everything basically not even acknowledged the fact that ******* was wrong for what he did, said and everything. i have emailed proof of everything from *******. they said i needed almost $700 to get my car back, but i should still have my car becauee ******* gave me false information. i did everything on my end. this company is so many hungry and dont work with you how they say. its ridiculous. they dont care about they customers and their workers are horrible.

  

  Business response

  01/28/2023

  *************** to complaint # ******** for **********************  ***** purchased a 2013 **** Focus from *************** on 9/23/2022.  The customer corresponded with ******* via email on January 16th, 2023 regarding the past due balance as well as the hardship options we had.  The customer was advised via email that the account could not be held until all the necessary paperwork was received for the hardship option.  The paperwork was not received and the vehicle was repossessed on January 24th, 2023, due to the account being 39 days past due.  The customer has been given options to redeem the vehicle from repossession but the customer advised the collections supervisor ******* via email on January 25th, 2023, that she was not going to be able to redeem the vehicle.  If ***** still wishes to redeem the vehicle before it sells at public auction on 2/28/2023, she can contact ************************* at ********************** to discuss this matter further.

• Initial Complaint

  01/14/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Contract was signed 12/31/22 for a running vehicle. The car was "fixed" so during test drive although loud the car didn't run bad and the engine light was not on. After completing the purchase and driving off the lot the engine light came on about a half mile down the road. I immediately went back to confront the dealership that stated they couldn't do anything to help me and to call the warranty company. I began calling the warranty company as well as DBS concerning the issue considering I don't have a proper running vehicle. DBS told me they're sorry about what I'm going thru but no matter what we have to pay the note. I asked them why would we pay for a car we purchased less than 2 weeks ago and it's not running. They are not trying to work with us at all and they've continually attempted to withdraw money from my husband's account. 12 days after the purchase the car is in the shop with no estimated time for work to start or complete, in a rental that cost us $655 so that we don't lose jobs around my home. But they are attempting to withdraw $300

  

  Business response

  01/20/2023

  I am responding to complaint # ******** for ***** *****.  ***** purchased a 2012 Jeep Patriot from ABC MotorCredit in ******** ****, on 12/31/2022.  ***** spoke with ****** ****** on 1/19/2023 regarding the issues with the vehicle as well as the payments on the account.  As of 1/19/2023, *****'s vehicle has been repaired and returned to her.  We also were able to reimburse a portion of the rental car costs and apply it towards the payment that was due, as well as waive any late fees and insurance premiums due during that time.  We apologize for the inconvenience that ***** experienced.  She can contact ****** ****** at ************ ext. **** with any further questions or concerns.

  Customer response

  01/20/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  11/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Thursday September 1st 2022 due to a change of employment and a payroll error which left me not being payed for a month between my change of employment I called DBS Financial about my car payment on that Friday September 2nd that I was unable to make. I had asked if there was anyway to push my final payment back one week so I wouldn't get behind and was told that was fine and to send my new paystub to them so they could do a due date change for my new payment schedule. A few weeks after that I got a call about making a due date change because I was going from getting paid bi-weekly to semi monthly I was told that the person that makes those changes wasn't in the office that day. This has continued where I am always put on the back burner as my fees increase. I was always told the fees are accumulating but was never able to get a final total of the fees. I work during the day from 7AM -3 PM and when they call me I am usually working which leads to DBS leaving a voicemail and I call them back that day no more than a few hours later during business hours but never get in contact with anyone. This has continued until now. I leave 2-3 voicemails to get this figured out and get a call the next week and a voicemail which just keeps going round and round.

  

  Business response

  11/28/2022

  I am responding to complaint # 18451421 for ********* ********.  ********* spoke with *****, one of our collections supervisors on November 22, 2022.  She discussed the fees on the account as well as what was needed for a due date change.  She has arrangements with ***** to take care of this on 11/30/2022.  ********* can contact ****** ****** at 330-848-8300 ext. **** with any further questions.

• Initial Complaint

  07/29/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have paid this company for a car loan. A down payment of about 2,500 cash for a 2010 Ford Fusion. Total price of the car is I believe 22,000. Leaving me with about 20,000 left to pay. Now I have to pay a car note of $140.00 a week they claim because I get paid weekly. They have a online payment system that I was paying through, it kept being a problem with them claiming they didn’t receive payment mind you the money has been took out of my account and I have not received any more back. They claimed that wasn’t their fault. So they had me refinance to put that money on the backend of the loan. Then told me my account was wiped clean of any debt and since then they had to put me on autopay to refinance so they have been pulling the payments every week. I call in to pay my car note today July 29th 2022 because my card was locked and they had tried to charge the $116 which is the normal price of my car note minus insurance that they charge me for weekly. I then call to pay my note and now they are telling me I owe them $450 all over again, I explain to the person no that’s not right I refinanced to have my account wiped clean and all payments are on autopay and have been made on time, I refinanced on July 8th 2022. And they are saying 2 weeks later I owe them $450 all over again and to pay it or return the car. I have not received any money back or missed a payment. They keep trying to get me to pay them extra money: if I pay them $450 that will be $1000 that I have paid them this week for a 2010 car.

  

  Business response

  07/29/2022

  I am responding to complaint # ******** for ******* ******.  ******* spoke with an account manager today and setup payment arrangements for her account.  ******* can contact ****** ****** at ************ ext. **** with any further questions.

  Customer response

  08/01/2022

   I am rejecting this response because:
  I spoke with who I spoke with  on different terms. The comment made by the business has nothing to do with the behavior of the business and me constantly paying the business multiple times and me not receiving the money back that they claim to

  not have gotten but at the time confirmed payments. Not to mention the supervisor I talked to before her lied and said the lady I asked to speak with who normally handles my payments and etc. PROFESSIONALLY. Was not in office. I then emailed her and found out she was in office the whole time so I did speak with her and get things situated in one area. But this response that was provided by the business has nothing to do with the unprofessional man I had to deal with before her and the lack of consistency with their payment systems and has nothing to do with all the extra fees they tacked on. I am paying 21,000 for a 2010 car. And 140’a week that is 500+ dollars a month for a 2010 car like come on now. But I would like a response regarding the unprofessional acts and the extra fees tacked on and the failure to

  keep up with the payment system they have set in place. And the lady that I did speak with I appreciate her professionalism. 

  

  Business response

  08/03/2022

  I am responding to complaint #******** for ******* ******.  With regards to the payments that the customer is referring to on July 29th, these were payments that were returned by her bank after the refinance was completed.  Since these payments were already factored into the refinance, they must be paid.  As far as extra charges that were added, I do not seeing any charges added that were incorrect.  I've attached a copy of her payment history for review.  As to the individual she spoke to that she stated was unprofessional, we will go ahead and pull the call recording since all calls are recorded and we will address any issues related to unprofessionalism or misconduct with that individual.  The consumer can contact ****** ****** at ************ ext. **** with any further questions.

• Initial Complaint

  01/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. DBS FIN bal. $**** Acct # ********* I understand that the Office of the Attorney normally provides copies of the complaint forms or information regarding complaints to the business complained about and other private and public agencies. I authorize BBB to give copies or any information on the form to anyone deemed advisable.

  

  Business response

  02/01/2022

  I am responding to complaint #******** ********* **********

   

  We have reviewed the file for *** ********** and we do not find any evidence of identify theft that we are aware of.

  *** ********** made an in person purchase with ABC MotorCredit on September 21, 2020.  The loan was assigned to DBS Financial at the time of purchase.  We show that the proper items are being reported to all 3 credit bureaus on this file.

  If *** ********** has any other questions or concerns she can contact ****** ****** ** ************ ext. ****.

   

• Initial Complaint

  12/14/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I spoke with DBS Financial last week and made a verbal agreement that I will pay to get caught up on my payments on my car 2012 ****** Sentra. I am formed a lady that it would be done by Wednesday. She agreed. This morning I woke up and my car was gone. I called the company and they informed me that my car was repossessed. Online it says I had to pay $789 in the lady informed me today that I have to pay over $1,600 now just to get my car back. No one informed me of The repo and all of my belongings is in my car including my work choose my ID and all of my debit cards. I know don't have a way to get to my car. I really need some help.. I have also informed them that I was in between jobs due to covid and ask for a hardship.

  

  Business response

  12/15/2021

  I am responding to complaint # ******** *************************

   

  We spoke to **************** on 12/14 and worked out arrangements for the her to get their vehicle back.  As of 12/15, the vehicle has been released back to ****************.

  If **************** has any other questions or concerns she can contact ************************* at **********************.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩