Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
his complaint escalates my previous closed CFPB complaint # XXXX against Lobel Financial regarding a fraudulent and unauthorized vehicle loan for my XXXX XXXX XXXX ( account # XXXX ). The loan contract contains a forged signature ( fraud/forged signature/identity theft ). I have an active police report from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ongoing criminal investigation for identity theft/fraud ) . I completed and submitted an FTC Identity Theft Affidavit online, provided copies to Lobel via email and mail on multiple occasions, but they have never validated the debt, responded adequately to my disputes, or ceased any actions ( violations of FDCPA 1692g for failure to validate after written dispute, 1692e for false representations, 1692f for unfair practices, and possible FCRA violations for inaccurate reporting ) XXXX XX/XX/XXXX, a tow truck dispatched by Lobel Financial arrived at my residence, knocked insistently and aggressively on my door ( I have security camera video and photos as evidence ), and attempted to repossess the vehicle. The closed garage prevented them from accessing and taking it. This incident has caused me severe ongoing distress and constant fear of future repossession attempts in public places, such as parking lots while running errands or shopping.Additionally, I previously requested that Lobel Financial deactivate or disable any GPS tracking device, starter interrupter, or remote disable technology installed on the vehicle, due to the fraudulent nature of the loan and the ongoing identity theft investigation. Despite this explicit request and the disputed status of the debt, Lobel has not provided confirmation of deactivation. I remain concerned that such a device could still be active or used improperly to track the vehicle, disable it remotely, or facilitate unauthorized repossession attempts, which adds to my distress, potential safety risks, and constitutes further unfair practices.I have already tried resolving this directly with Lobel through multiple emails, phone calls ( where they claimed 'everything is fine ' but continued actions ), provision of the police report and FTC affidavit, and a formal demand letter/email sent recently with no adequate response or cessation of activities.I request that the CFPB investigate these violations and the improper repossession attempt. Specifically, require Lobel Financial to immediately : cease all repossession, collection, disabling, harassment, or any further actions on this account ; deactivate and confirm in writing the removal/disablement of any GPS tracking or remote disable device on the vehicle ; remove the fraudulent account from my credit reports ; and coordinate with the police investigator if necessary.Attachments : Security camera video and photos from the XX/XX/XXXX incident ; police report # XXXX ; FTC Identity Theft Affidavit ; recent demand email/letter to Lobel ; prior communications including request for GPS deactivation

Company response to consumer: Closed with explanation