| 04/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have sent out a notice of conditional acceptance to tebo financial via notice and affidavit I gave them 10 days to respond and never got any response This is a private communication between the parties NOTICE TO AGENT NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE OF CONDITIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) TEBO Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Attention : TEBO financial Services I am in receipt of your nolice date XX/XX/XXXX which is attached herewith. in response to your letter am conditionally accepting for offer to be liable for this upon proof of claim that you show me where we have a contract to where I become retroactively for and to you.
Be advise that this is not a refusal to pay, but a notice sent pursuant to the fair debt collections practices act, 15 USC 1692g Sec,809 ( b ) that your claim is disputed and validation is requested. This is not a reduest for " Verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with all of the following : 1. What the money you say I owe you is for.
2.Explain and show me how you calculated what I owe you.
3. Provide me with copies of any papers that show I agreed to pay you what you say i owe : 4. Provide a verification or copy of any judgment applicable, 5.Identify the original creditor 6.Prove the statute of limitations has not been expired for this account 7. Show me that you are licensed to collect in my state provide me with your license numbers and registered agent.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 maior credit bureaus ( equifaxx, XXXX, XXXX ) this action might constitute fraud under both federal and state laws. Due to this fact, If any negative marks is found on any of my credit reports by your company or the company you represent legal action will be taking for the following Violation of the fair credit reporting act Violation of the Fair Debt Collections Practices Act Defamation of character.
If your officers are unable to provide the proper documentation as requested the following declaration, i will require at least 30 days to investigate this information and during such time all collections activity must cease and desist. also if you think you are representing me you are FIRED, and any and all powers of attorney are nearby revoked from the beginning.
If your offices fail to respond to this violation request in 10 days from date of your receipt, all referencesto this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately along with my deed of transfer ( title ).
it would be advisable that your records are in order. This is attempt to correct your records ; any information obtained shall be used for that purpose. I would also like to request in writing, that no telephone contact be made by your offices to my home or to my place of employment. All future communications MUST be done in writing and sent to the address noted in this letter by USPS. you have ( 10 ) days form the receipt of this conditional acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correcting complete and not misleading. Mere declarations are an insufficient response. If extension is needed to properly answer, please request in writing failure to respond will be deemed agreement with the facts stipulated herein enclosed commerce affidavit. Any and of responses shall be directed to me by USPS certified or registered mail, at the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Service in any manner will be deemed defective on its face.
State of Ohio ) XXXX XXXX of XXXX ) XXXX XXXX XXXX
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| 09/25/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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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
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| 08/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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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
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| 07/01/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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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.
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| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, State Zip : XXXX P.a XXXX Email Address : XXXX 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the comsumer identifies information that resulted from the alleged identity thief, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATIONS!!!
Under 15 U.S Code 168b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!
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| 05/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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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.
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| 04/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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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.
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| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Over the past 12 months ; I've sent over 12 dispute letters and Tebo financial and XXXX have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and TEBO continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
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| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights XXXX XXXX XXXX XXXXXXXX ( Both accounts ) Tebo FINANCIAL - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.
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| 07/07/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I filed a dispute with the credit bureau XX/XX/XXXX. They came back showing that I was right. They stopped reporting for a couple months but it has started back up again. They are reporting it as being late 30,60 days late. I filed another dispute today XXXXMy mom was the main person on this loan. They are reporting on my credit every month as if we still have the car. The car was repossessed before she passed away.My mom passed away two in a half years ago. The last payment was made on the car XXXX of XXXX
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| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have contacted the company multiple times over the last 30 days I have not remove this from my credits. This is a direct violation of my consumer, rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b, company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is harassment and I will pursue legal charges. I have a right to accurate credit report.
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| 12/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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|
Web |
Servicemember |
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I leased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX of XXXX and I was having problems with the vehicle so I gave the vehicle back to them in XXXX or XXXX of XXXX. They sent me a payment plan letter in XXXX of XXXX but when I called them to accept the payment plan they then retracted and told me that I had to pay the full {$10000.00} that was owed even though this vehicle was repossessed and sold in XXXX of XXXX.
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| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.
Account : XXXX XXXX XXXX XXXX # XXXX
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| 03/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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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.
|
| 05/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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|
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.
|
| 01/26/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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|
| 01/22/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Phone |
Older American |
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|
| 01/11/2024 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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|
Web |
|
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|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
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|
Web |
|
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|
| 07/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
|
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|
| 04/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
Older American |
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|
| 04/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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|
| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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|
| 08/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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|
| 05/02/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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|
| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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|
| 03/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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|
| 05/03/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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|
| 04/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
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|
| 02/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
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|
| 07/25/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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|
| 10/03/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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