Orland Driving School, Inc.

Telhio did receive a letter from the consumer asking for us to remove delinquencies reporting to his credit as a courtesy because he was trying to obtain a loan and could not because of his delinquent payment history with Telhio Credit Union.  Research was conducted confirming the delinquencies...

are accurate.  In addition, Telhio Credit Union repossessed this debtor's car twice as a result of the debtor not paying as agreed.  We are bound by the Fair Credit Reporting act, and cannot arbitrarily remove reported delinquencies that are in fact accurate.

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

Telhio
Credit Union values your membership, and all feedback is reviewed to help
enhance member experience. We contacted Elan Financial, our credit card
servicer, and they are generating a check refund in the amount of $15.00 to you
today; credit cards are non-interest bearing. Refunds due...

to overpayment on a
closed credit card are automatically generated and sent via postal mail after
90 days if the credit card company has not been notified by the cardholder
requesting a refund. Since the last payment to your Telhio credit card was
applied May 8th, 2015, the $15.00 check would’ve been distributed in
the month of August. The check will be sent to the address you have on file,
[redacted] If you have any additional
questions or concerns regarding this particular concern, please feel free to
reach out to Cardmember Service at, ###-###-####. Thank you again for your
membership.

Calls were placed to Ms. [redacted] beginning on November 2, 2015 when her account was 18 days past due.  We were finally able to make contact with her on November 23, 2015, at which point her account was 39 days past due. She advised us that she was in process of trying to refinance, at which...

point she was informed that the account was 39 days past due and it was impacting her credit. Ms. [redacted] declined to make a payment and said the refinance should be done by the end of the week.  We called her again on November 25th to follow up, and she stated again that she was in process of refinancing, and it would be paid off by the end of the week. A promise to pay was entered for the last day of the month, November 30th.  The account was not paid off, as Ms. [redacted] had stated, which is what caused the letter to be automatically generated. Telhio Credit Union did not receive the payoff on this loan until December 1, 2015.  We are bound by the Fair Credit Reporting Act and cannot arbitrarily delete accurately reported late payments. There is no GAP refund owed, the loan had been opened since 2012.Regards, Joyce R. G[redacted]

We appreciate your business and feedback
and apologize for not being able to service your needs. Per your written
request we will close out your account and mail a check to the address we have
on file.

Dear Mr. [redacted] I am writing in response to your recent complaint referenced above, filed with the Revdex.com regarding a communication you state you had with a Telhio representative via email pertaining to past due payment(s) for your auto loan and the reporting to the credit reporting...

agencies. I reviewed your account documentation including email communications, and do not see any written communications that support your statements contained in your complaint; specifically that the 30 day delinquencies would not be reported to the credit reporting agencies. Your account is currently 45 days past due, due for November 22, 2016, with the total due being $662.61. Your account initially got behind when we did not receive your August installment, which was due on the 22nd, until September 6th. We did not receive another payment until November 7th, which was for your September installment. We received another payment on November 15th, which satisfied your October payment, which is why your account is now due November 22, 2016. If you would like to forward the email communications you claim to have that state we would not report the 30 day delinquencies to the credit reporting agencies, I would be more than happy to compare them to the account documentation on file. My email address is [redacted] Sincerely, [redacted]

I previously indicated, you need to physically visit a branch, with your drivers license or state issued ID card to complete the dispute.

The fee charged as a result of the Planet Fitness debit will be refunded, and the account closed. Any information previously reported to Chex Systems will be removed.

When a title is
transferred out of state it is the responsibility of the owner of the vehicle
to provide the correct address to the BMV in that state. It is also the
responsibility of the owner to provide the [redacted] BMV the odometer reading
at the time of title transfer.   Telhio does not have
the authority to change an address with any State's BMV .
 
This title is not
useless because of an address or an Odometer reading.  A BMV will not
update any information on a title until you transfer a title out of State or
sell the vehicle.
 
Please feel free to
contact our Title Clerk or your local BMV for further assistance.
 
We will wait to hear
back from you in regards to the Credit Inquiry.

The check in question came back bad.  This individual will not be receiving these funds.  We have reached directly out to this individual as well.  Thank you.

Consumer’s Original Complaint:In a matter of 10 days or less, I incurred $210 in overdraft charges. On November 29th, Amazon charged me $39.99 for seller charges that were later refunded. It took me quite some time to get that ironed out with the company and I was advised a refund was on the way and should post no later than 12/5.I deposited a bunch of money via paypal and cash to settle the balance and paid bills, trusting Amazons agents and the time frame. On the 6th, ANOTHER round of overdrafts started because the deposit did not post accordingly and I had companies like Old Navy that charged individually as items shipped.Due to my inconvenience, Amazon doubled my refund but as you can see, it wasn't enough to reimburse me for the $210 in overdraft charges I incurred.I have not been a telhio customer that long (maybe almost 2 years) and I am beginning to think maybe a different financial institution would meet my needs. I keep cash at home in a safe, and make deposits when I need to. In the future, I plan on partnering with somewhere like [redacted], since they have the 24 hour grace period. These charges caused me a great financial strain and I am wondering if they can be waived.Consumer’s Desired Resolution:A refund of the overdraft charges. This was excessive...

Telhio Credit
Union values your membership, and all feedback is reviewed to help enhance
member experience.  Unfortunately since your payoff was made with a credit
card there is a 5 day waiting period in order to release the lien. The lien has
been released and the title was placed in...

the mail to you. We are crediting
back the $15.00 processing fee and apologize for your inconvenience. If you
have any questions or concerns, please contact our Member Service department at
###-###-#### option #. Thank you for your membership.”

Greetings - [redacted] was directly contacted via phone by our Contact Center Supervisor on December 9th to discuss her recent experiences with Telhio Credit Union. They were able to discuss fee application, along with other information pertaining to credit union products, policies, and...

practices. The member's concerns have been addressed. A resolution was reached, and their request has been completed. Thank you,Telhio Credit Union

This complaint was sent to me to review and respond:Despite efforts to contact the debtor and make arrangements for the past due amount totaling $881.92, we were never successful. The debtor did email us after receiving messages on February 6th and said she would pay the past due balance on February...

14th; however the vehicle was already assigned for repossession because we had no contact.  The account was due for November 10, 2017 when the vehicle was recovered. The amount required to reinstate the loan plus two bond payments resulted in the loan being paid in full ($1,357.56).

I reviewed the response made by the business in reference to complaint ID 12515167, and find the resolution is satisfactory to me.

1. The address with DMV was long updated with correct address and miles. Attached proof is a parking ticket that was mailed to my new address. Parking tickets are issued to owner of the car and sent to registration address on file. Am not sure why the title was printed with wrong address.2. A payment of  318.61 was made to Telhio from my bank autopay AFTER paying off the whole amount. Telhio has not bothered to inform me of the over payment and refund the check. Almost 20 days has gone by.
Regards,
[redacted]

We have reached out to this member and he is supposed to be emailing
me a copy of where it is showing that we pulled his credit so that we may do
further research on it.

“Telhio Credit Union values your membership, and all feedback is reviewed to help enhance member experience. [redacted] has been contacted in regards to the member’s concern. The $15 refund check was returned to [redacted] and was coded as, “bad address, unable to forward”. The check was originally mailed to, [redacted], as this was the address that both Telhio Credit Union and [redacted]till had in their systems at the time. As of September 9th, a stop payment was issued on the check due to the check being returned. The updated address has been provided to [redacted] ([redacted]). Please allow 2-3 weeks for the arrival of the check due to processing and delivery time. If you have any additional questions or concerns regarding this particular concern, please feel free to reach out to Cardmember Service at, ###-###-####. Thank you again for your membership.”

while this is ongoing, I am still incurring fees. The dispute form was mailed to the [redacted]ocation. I just want the fees reversed so I can close the account.
Regards, [redacted]

I have still not received my Title. As a result for the delay I lost a customer who was willing to pay KBB price for the car.Also TELHIO has run a credit check on me for no reason and without informing me. This has resulted in decline of my credit score. Unauthorized credit check is illegal. Please have  TELHIO call me and explain the reason for Credit Check.
Regards,
Supratim Dasgupta