ComplaintsforDBS Financial

• Initial Complaint

  06/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased a vehicle from ********** in January of 2023. 10 days after getting it the control failed and I kept getting a check engine light on. I had to pay ****** dectuable to get the arm fixed. They didn't fix the check engine problem I was told that's what you get when you buy a used car. I put up with them until July of 2023 I told them to come pick up their car. It took over a month for them to do that. During thst time some lady named ******* kept calling and texting me with threats of losing my house and even my child because of them taking my home from me. She told me she would call child protective services on me to have them take my little girl from me. They are really unprofessional. Even after they pi ked up the suv they kept calling and texting saying they are going to repo it after they already did. I called them and told them they picked it up and ** had no record of it at the time. Then they told me I still owe them ***** for a car I didn't have anymore. It was supposed to be sold at auction. When they pucked up they call I called them asking for my car seat back they told me it was at the tow yard. I tried calling them to go pick them up and noone ever answered or called back. I called dbs again and was told by ******* that it was nit there problem. That I shouldn't have sent the car back. They threatened me so much that I finally told them I'll pay ***** a week because I was scared of losing my 3 year old daughter. Right now I am out of work and I am only behind ***** and ******* is at it again saying I'll lose my house and they will take 25 percent of my pay when I do get a job. I don't know how they feel they are the law. It's up to the courts to determine the amount not them. I have read and talked to other people about them I keep hearing the same thing that they prey on people with not so good credit and over charge for their cars and when they repo them they are the ones who buy them back for pennies on the dollar and resell them at them

  

  Business response

  06/19/2024

  Hi ******,
  This is Al at DBS Financial. There are several accusations made here, and after reviewing my records, I see no evidence of the events you described. You did offer to pay $25 weekly towards the loan to pay off the remainder after your car was sold.
  Please note that you are still responsible for the loan regardless of whether you have the car or not. You have not fulfilled your promise. If you would like to discuss this further, please feel free to call me at ************. I am confident that we can find a solution together.
  Best regards,

• Initial Complaint

  05/03/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Paid for vehicle free and clear and their giving me the run around about giving me my title. Supervisor hung up on me

  

  Business response

  05/06/2024

  Hi ********,
  
  This is Al from DBS Financial. We sincerely apologize for the issue with the title. We became aware of this matter when you contacted us on Friday while you were at the **** Unfortunately, we were unable to resolve the situation with your title on that day. However, as soon as our title department was back in the office today, I prioritized your ticket, and it was resolved within the first 30 minutes of the day.
  
  I called you to discuss how you would like the title to be sent to you, and we reached an agreement. I truly appreciate your patience in this matter, and I apologize for any inconvenience it may have caused you.
  
  Best regards,
  Al

• Initial Complaint

  05/01/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought a car from DBS financial July 2023. I had a one year warranty on the vehicle. I called to let them know I had a ride knock in the motor and I needed it to be looked at this happened January 2, 2024. They tried to send me to a mechanic, that was over one hour away I told them I don’t think the car will make it to Cleveland Heights to the mechanic they sent me to would it possible to get them a Tow they told me they could not get me a tow so I stressed the issue that I believe the car will not make it to Cleveland Heights, Ohio from Warren Ohio that is about 65 to 75 minute drive and the very next day I had to get in my truck to get back on the road dude that I’m over the road driver they told me the only way they could help me if I got the car to the mechanic shop they have their Choice I called a tow shop to see how much it would cost for me to get the car towed to the address that they provide and it would cost me over $400 to get the car to the shop so I did a voluntary repossession. I provided them with the address to where the vehicle was located and asked them to pick it up. I drive for 5 to 6 days out of the week when I return home Friday the vehicle was still in the driveway. They tried to force me to make a payment for a vehicle that would no longer start up or run after after several months of emailing back-and-forth with them being disrespectful and not considering the fact that the car no longer ran and I needed them to pick it up well, the Friday I came home. The car was in my driveway Saturday when I woke up the next morning the car was gone so I automatically assume , they have the vehicle February 15. I went to Car lot to see if I could get me another vehicle from a different car lot.They contacted DBS financial and DBS told them they did not pick up the car I contacted the police department police department told me they did not pick up my car. They are hindering me from being able to get another vehicle by telling car lot I stole their car

  

  Business response

  05/06/2024

  Hi *****,
  
  This is ** from DBS Financial. I wanted to address several points you raised in your complaint. While Lisa Warranty strives to assist customers, there are certain things not covered by the service contract. One of these is towing. We expect customers to understand that when they purchase a used vehicle, it may over time have certain issues. We are committed to working with our customers to diagnose and repair their vehicles within the parameters of the service contract. It's the customer's responsibility to transport their vehicle to one of the shops we collaborate with, typically a Firestone in your area.
  
  We value your business, but surrendering the vehicle and defaulting on your loan with DBS over what you perceived as a high tow cost is not acceptable. As we have not yet recovered your vehicle and have recently learned that it's been impounded, we would like to work with you to clear your account and retrieve your vehicle. Once that's done, we can address any issues you may be experiencing with your vehicle. However, the first step is to uphold your end of the contract. Since we are now in default, please contact me at 330-848-8300 as soon as possible so we can work towards a resolution.
  
  Best regards,
  **

• Initial Complaint

  04/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Entered by BBB staff DC. Consumer states on May 20 1023 she purchased a car for $20,000. She contacted the business the next day and stated she wanted to return the vehicle because she felt pressured. They would not take the vehicle back and she could refinance. She is having issues with the car and has a warranty and they refused to fix the vehicle saying there is nothing wrong. She found out the vehicle was in an accident and was told she should have found out that information on her own,

  

  Business response

  05/06/2024

  Hi ********,
  My name is **, and I am the manager at DBS Financial. I've been reviewing your account and noticed a few things. It appears that you recently took your vehicle to *********, and there was an issue with a wheel bearing. We covered this with a $100 deductible from you, and it has been fixed. You didn't mention any further issues with your vehicle.
  I understand that you may be feeling frustrated and could be experiencing other problems. I advise you to call and speak with me at ************ so we can work together to find a solution and address any issues you may be facing. Alternatively, you can call ************ to schedule an appointment at one of our recommended shops for a thorough diagnosis to determine if there are any additional issues.
  Regarding your desire to return the vehicle, unfortunately, that is not our standard procedure. We do not have an exchange or return policy. Please contact me as soon as possible to discuss further.
  Best regards,Al

• Initial Complaint

  03/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My problem is I purchased a vehicle from ********** but financial institutions don't match I was told I would have to make a certain amount payment and I do that but sometimes I get paid 3 times in a month they come after that as well when I have already made my amount for the month already is there anything I can do because I don't understand they controlling my money more than I am Please help me

  

  Business response

  03/08/2024

  Hello Sherithia, my name is ** and im the manager at DBS Financial, we are the company you are making your payments to. We do our best to make this clear to our customers and specify in our paperwork the exact term of the loan, based on your pay, you are a biweekly payer. This means that there are 2 months in the year where you will have an additional payment since there are 26 bi weekly periods in the year. Your payment is divided yearly according to how many paychecks you will get that year so we can provide the best affordability and budgeting for our customers. This is why the pay is structured in this way Sherithia. If you have any questions please feel free to call me at ************, id be happy to walk you through any questions you have.

• Initial Complaint

  02/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In around October 2023 I bought a car from *** in Bedford I had been there once before and I was told that if I came up with $2,000 that I would get a lot more choices on cars because I had to come up with 17 due to repossession so I came up with the money I went in there I was only given three options for a car one of them was dirty as h*** one of them was all scratched up on the inside and just horrible and the other one I think they only gave me because I was being so finicky and that was the one that I said that I liked from the internet I agreed on a certain amount of for my payments whatever whatever I left everything was fine then I had a domestic violence situation my partner went to jail I had to move I had a switch and a job the job that I switch to ended up not being anything like I was told it was going to be so therefore I fell into financial issues I still can't put my payments they were just late they what I told them that I had gone a second job because the original job was still my original job weekly which I never asked them to do I never signed for them to do I never approved it they did it anyway so I was paying my payments every week came to a point where I couldn't pay them as having problems was paying them they were just late then I got a job and I messaged them and asked them to change my payments back to my weekly because I only got paid on the 30th and the 15th I will send a document late Friday or no Saturday morning due to my financial situation and stuff I did not have internet at my house I didn't feel the need that I had to express all my issues with people that I just didn't feel like I had to so I told him that you know it's the weekend because I didn't feel I was embarrassed that I didn't want to tell them that I didn't have the internet at home the text message I got was you know we're trying to help you you need to sign it before the documents expires and then she put the date 216 in there it was never specified that the document was going to expire on 216 it was never expected what the 216 was so I thought it was that the document would expire on 216 if not signed by then because I mean asking someone to sign a document right then and there when it's a Saturday I think is rude so Monday morning came and I went to go sign the document literally at 9:00 when I got to work and I got internet and I asked them cuz there's you know one week I'd have to pay this amount because I'm getting paid I've only after 4 days and then after that it would be every two weeks so I asked what the amount was that what we do you know on the 15th and not only that but they put the 16th and the 29th when they know my paydays are the 15th and the 30th so how do you expect to get paid on the 29th when I told you I don't get paid till the 30th so I mean just stuff like that so I was like okay what's the amount that you guys are expecting on the 16th I get back a thing from the finance manager or whatever that says this document is expired I said are you kidding me I said excited text message saying is expired on 16th and then I real thing what else could have expired on the 16th like if that if you guys aren't going to turn you back to every two weeks then my payments are the same every week so what that's not going to expire so what else is going to expire so it's just a bunch of b******* and a bunch of games that these people are playing and I think it's wrong because now how am I supposed to pay a payment every week when I don't get paid every week I mean it's just absolute b******* these people are ridiculous so now I just had to write the finance manager and ask him to change the payment and then explain to him why because I didn't have internet blah blah blah which I don't feel like I should have had to tell them it's none of their business you know it's like I tell these people do not hit my bank account I do not get paid until Friday after 5:00 what do they do they hit my bank account at 8:47 Friday morning like they do not listen they do not care they're rudest f*** like I just it's just a joke it's a joke

  

  Business response

  02/23/2024

  *******, this is Al at DBS Financial, we strive to help our customer at all times and to help our customers avoid missing their payments so we can help them stay in their vehicles and keep driving. When you missed your payments we struggled to get in touch with you, when we were able to get in touch with you, we offered our help. When we did that all we recieved from you was some of the filthiest insults and insulting language id ever seen, we tried to help you and prevent you from losing your car and all we recieved back was insults, cursing and use of filthy language. *** asked you to refrain before we proceed any further with communication you have refused, and instead of apologizing you have come to complain on the BBB. You have the option of calling in and speaking to me at anytime, you have chosen to send threatening and demeaning messages instead, you are not acting like a person who wants to solve their issues. When you are ready to solve your issues you can give me a call at ************ and i will be happy to help you solve them.

• Initial Complaint

  01/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have identified certain transactions on my consumer report to be a result of identity theft. I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted within 4 business days from the receipt of this letter. Account Name: DBS FIN Account Number: *********Sincerely,***********************

  

  Business response

  01/24/2024

  *************** to complaint #******** for ************************  ******* purchased a 2013 Dodge Avenger from *************** in *******, ****, on 1/27/2020.  This purchase was pursuant to a retail installment sales contract which was assigned to DBS Financial at the time of purchase.  We have reviewed the file and subsequent credit bureau reporting information associated with this purchase and we are finding no errors or indication of identify theft in connection to this purchase.  ******* can contact ****** at DBS Financial at ********************** with any further questions or concerns.

• Initial Complaint

  01/22/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Every person I spoke with was very rude Im always pushed on to someone when I have any questions and concerns to one person whos never there and does not return an phone calls Ive never dealt with a company like this when you call in the experience is horrible you hear unprofessional conversation and playing in the background any representative you speak with literally has the same attitude.

  

  Business response

  01/23/2024

  *************** to complaint #******** for ******************************  Here is the message from the manager for DBS Financial, *****************. "Hi ********, I spoke to my team about this and looked into what might have been going on. I saw that you left a message requesting a callback at 11:30 AM on January 22nd. I was in meetings all day; however, I returned your call early this morning, though I was unable to reach you. I have to disagree with you that people were being rude.
  
  One of our processes for customer and company protection is to verify identity with the customer before being able to move forward with anything on the account. After listening to some calls and speaking to the team, it was made clear to me that you refused to verify your identity in many cases when you called in. This would prevent any account discussion at all. I'm sorry you are frustrated, but these processes are for your protection and ours. 
  
  I am the manager at DBS Financial and you can call in anytime and if I'm available I will take your call right away, or I will call you back.  You can reach me at **********************.

• Initial Complaint

  01/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On January 5 I called the business about a payment issue the manager treated me with disrespectful language and told me he was going beat me up and take my car if I don't pay the police are involved with this issue as well as the Ohio attorney general office I will be taking my business else where no one should be treated like this

  

  Business response

  01/09/2024

  *************** to complaint #******** for **********************************  Here is the response from the manager for DBS Financial, Al Z.  "******, we checked into the day that you called, the first phone call at 10:48 am and the 21st phone call at 2:15 pm. In a span of 3:30 hours you called 21 times and disrespected each and every one of our staff, with name calling and absolutely despicable words. Somewhere around the 10th call after calling me some names, you said "come pick up the car". There was never any threat made from our end,and certainly nothing ever said about "beating you up". All calls are recorded and we welcome the opportunity to share them all. At DBS Financial we take pride in treating all our customers with civility and respect. In no way will we ever let anyone subject a member of our company to humiliation, ridicule and filthy language such as you used. Should the attorney general request these calls we would be happy to provide them, but we think you would be ashamed."

• Initial Complaint

  11/08/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The manager, ** at this company is completely unprofessional. He called me on Monday, November 6 and was very rude, threatening and tried to intimidate me. This is the worst company I’ve ever been a customer of. They have been nothing but problems for me since I’ve opened a car loan in March. They have already repossessed the vehicle and are continuing to call me, now wanting to find a solution to “get me back in the vehicle” they’ve made it very clear what their intentions were. It’s becoming harassment at this point. I would never recommend them or ABC motor credit, who sells their vehicles.

  

  Business response

  11/10/2023

  I am responding to complaint #******** for ****** *******.  Here is the response from Al Z, the manager for DBS Financial.

  Hi ******, this is ** at DBS Financial, i can understand your frustration at the situation, but in no way was there any threats or intimidation used, informing you of the procedure after a repo is not an intimidation tactic, it is simply the truth and company policy. Trying to work with you to get you back into the vehicle is an example of us extending a hand in trying to work with you to avoid a situation where you are in default and both the customer, and the company lose. Your vehicle was repossessed because you chose not to make your payments, when we tried to work with you on that you chose to spend your money on other things per your words. From our conversation you lacked accountability and refused responsibility. We, our entire team, tried to work with you and contribute to your success, it seemed to be a one-sided process. I apologize if you feel that us trying to come to a resolution felt like intimidation to you, i fail to see how trying to get you back into the vehicle could be seen as intimidating or threatening in anyway.
  
  I am available if you would like to speak at any time Monday, Tuesday, Thursday, Friday between 9am and 6pm, Saturday i am available between 9am and 4pm. Even now i would prefer to get you back into the vehicle and avoid the repercussions of a default on your contract. You can call me at ************.
  
  ** ******,
  DBS Financial Manager

  Customer response

  11/12/2023

   I am rejecting this response because:
  
  It is not the actions or attempted resolution that is intimidating. It is your tone and the way you treated me that is the problem. The way you spoke to me was very unprofessional. I hope the employees are treated respectfully because customers are not. I would like no further contact from this company. 

*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. ↩