Tebo Financial Services, Inc

2018-12-08

Waterford, PA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-09-25

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: On XX/XX/XXXX At XXXX I received a voicemail from XXXX XXXX XXXX XXXX regarding a debt that was owed to Tebo Financial. I contacted the company and spoke with XXXX and advised him that on XX/XX/XXXX I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. XX/XX/XXXX at XXXX ; I received another voicemail from XXXX XXXX XXXX that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. XX/XX/XXXX at XXXX XXXX ; I again received another voicemail from XXXX XXXX company regarding the same debt for Tebo Financial, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. XX/XX/XXXX at XXXX XXXX : I received another voicemail from XXXX XXXX XXXX from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/XXXX at XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped
Company Response: Closed with explanation

Timely Response

2018-08-17

Bham, AL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-05-24

OH

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: I understand when a payment is late it is in default ; however, this company 's collection practices are not only extreme but harassing. They have become such a nuisance that I have had to block them from calling my cell phone ( they can still leave a voicemail ) and request they not call my place of business ( they still call and leave voicemails ). My payment was due on FridayXX/XX/XXXX. On Monday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment. On Tuesday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment. On Wednesday XX/XX/XXXX they contacted my mother and friend, both whom I listed as references, to inquire on my whereabouts - how embarrassing! My payment is not even a week late and they are contacting my references??? Ridiculous.
Company Response: Closed with explanation

Timely Response

2018-05-02

Irondequoit, NY

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-03-12

Warren, OH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-03-09

Lyndora, PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2018-02-01

Alliance, OH

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2017-05-07

Ashville, OH

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I have reached out to the company to get proof that the reporting information is correct and they will not send me anything back. I 've contacted them by mail with certified letters and still ca n't get a response.
Company Response: Closed with explanation

Timely Response

2017-03-04

Katonah, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Previous Case Number XXXX I was told in the above mentioned case in XX/XX/2016 that this information would be deleted from my credit files and it remains. I have contacted XXXX with the AUD number and they still tell me there was never a request made to delete.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-01

Katonah, NY

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I have sent several requests to XXXX per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. I have also submitted a complaint via the CFPB, case number XXXX. XXXX responded saying that I owe them money but with none of the documentation required by law including signature bearing contracts. I disputed that response on XXXX XXXX, two moths ago and have received no response. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-03

Mount Vernon, NY

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: Yes Untimely Response

2015-08-06

Galena, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Tebo FinancialXXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXXXX/XX/2015RE : XXXX Chrysler PT CruiserVIN Number : XXXX On XXXX XXXX, 2015 I received a call from XXXX XXXX attempting to collect on the discharged debt. After calling Tebo Financial, they then stated they were prohibited by bankruptcy laws with regards to contacting us and collecting on a discharged debt. This is a clear contradiction. On or before XXXX XXXX, 2015 Tebo Financial authorized XXXX to repossess the XXXX Chrysler PT Cruiser, at XXXX XXXX XXXX XXXX, Ohio XXXX. On XXXX XXXX, 2015 this vehicle was recovered by XXXX. After the vehicle was repossessed on XXXX XXXX, 2015, I did not receive any legal communication required through Ohio Repossession code ( XXXX XXXX ), regarding my Rights to Cure. The vehicle was set to be auctioned on XXXX XXXX, 2015 without any notices sent stating the vehicle had been repossessed or the creditor 's intention. I did not receive a NOTICE OF OUR PLAN TO SELL PROPERTY or Notice of Default and the Right to Cure. In addition to these violations and non-compliance, I was not properly informed about my personal property left inside the vehicle. Tebo Financial failed to document properly and inventory the personal items left in the vehicle per Ohio repossession laws as well. At this time, a complaint with XXXX and Attorney General Office has been filed. I will seek sanctions through the Bankruptcy court within the coming week if a resolution is not promptly met. A refund of {$830.00} for recoverable charged fees will cause this matter to halt and not proceed with legal action. 1. Loan Fees {$510.00}. Interest {$190.00}. Auction Storage fee {$91.00}. Personal property fee $ XXXXPlease feel free to contact to me with a resolution to this very time sensitive matter. Regretfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-29

Massillon, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-04

SC

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I can only make my payments online or by calling into the business, but I will be charged a {$5.00} fee. I have been denied access to my account online for the last 8 months. I have no way of getting my balances and seeing if any of the payments I am making are being applied to my balance. I do n't have a coupon book or receive any statements from this company. I have been asking to have access back to my account and the only thing I am told I am sending to the supervisor to unlock your account. I am constantly harassed both at home and on my cell. I have so XXXX and I would just like to know what my balance is and at least get a email telling me where my account stands. I feel that I am blindly making payments and I will like to get a resolution to this ongoing problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-18

Cleveland, OH

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2014-07-25

Birmingham, AL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2012-10-03

Foy, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response