Consumer’s Original Complaint:In a matter of days or less, I incurred $in overdraft chargesOn November 29th, Amazon charged me $for seller charges that were later refundedIt 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 frameOn 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 $in overdraft charges I incurred.I have not been a telhio customer that long (maybe almost years) and I am beginning to think maybe a different financial institution would meet my needsI keep cash at home in a safe, and make deposits when I need toIn the future, I plan on partnering with somewhere like [redacted] , since they have the hour grace periodThese 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 chargesThis was excessive
Telhio Credit Union values your membership, and all feedback is reviewed to help enhance member experienceDuring the month of May, three returned draft fees were validly assessed to the business account, [redacted] A check made payable to [redacted] ***, was presented to Telhio twice by the companyThe available balance in the account on May 19th was $8.19, causing the first returned check fee [redacted] ***, then presented the check again on the 21st of MayOn May 28th, an electronic payment from [redacted] was presented in the amount of $200, with an available balance of $189.15, causing this transaction to be returned as wellAfter reviewing the events on this account, the applied fees do not appear to be a Telhio errorAs a one-time courtesy, we are authorizing a refund of $52.50, half of the accrued feesWe encourage our members to be cognizant of their balance prior to authorizing any chargesTelhio offers a number of services that could be beneficial to you including: Online Banking, Mobile Banking, account alerts, and a business line of creditIf you have any questions or concerns, or would like some additional information on our business line of credit, please call our Contact Center at ###-###-#### option *Thank you for your membership
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 day waiting period in order to release the lienThe lien has been released and the title was placed in the mail to youWe are crediting back the $processing fee and apologize for your inconvenienceIf you have any questions or concerns, please contact our Member Service department at ###-###-#### option #Thank you for your membership.”
Calls were placed to Ms [redacted] beginning on November 2, when her account was days past due We were finally able to make contact with her on November 23, 2015, at which point her account was days past dueShe advised us that she was in process of trying to refinance, at which point she was informed that the account was days past due and it was impacting her creditMs [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 weekA 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 generatedTelhio Credit Union did not receive the payoff on this loan until December 1, We are bound by the Fair Credit Reporting Act and cannot arbitrarily delete accurately reported late paymentsThere is no GAP refund owed, the loan had been opened since 2012.Regards, Joyce RG [redacted]
Dear Mr [redacted] I am writing in response to the recent complaint you filed with the Revdex.com claiming an unauthorized transaction that overdrew your account from PayPalYou indicate in your complaint that you filed a dispute regarding the charge(s), but Telhio Credit Unio refused to reverse the recurring feesI confirmed with my Accounting Department that they have not received any dispute for your account regarding these chargesWhile I researched your complaint, I was able to confirm that you opened a PayPal account on or about January 6, Since the opening of your PayPal account, there have been numerous debts to your account over the last monthsPlease supply a copy of the dispute paperwork you claim to have completed so your complaint can be properly investigated and validatedYou can email this documentation to me at [redacted] visit one of our branches, or fax it to ###-###-####.Sincerely, Marcia L [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
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
I have still not received my TitleAs 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 meThis has resulted in decline of my credit scoreUnauthorized credit check is illegalPlease have TELHIO call me and explain the reason for Credit Check Regards, Supratim Dasgupta
The fee charged as a result of the Planet Fitness debit will be refunded, and the account closedAny information previously reported to Chex Systems will be removed
No credit updates were made even after showed proof of payment made after Telhio did not process original paymentMoving to small claims Regards, [redacted]
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 agenciesI 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 day delinquencies would not be reported to the credit reporting agenciesYour account is currently days past due, due for November 22, 2016, with the total due being $Your account initially got behind when we did not receive your August installment, which was due on the 22nd, until September 6thWe did not receive another payment until November 7th, which was for your September installmentWe received another payment on November 15th, which satisfied your October payment, which is why your account is now due November 22, If you would like to forward the email communications you claim to have that state we would not report the day delinquencies to the credit reporting agencies, I would be more than happy to compare them to the account documentation on fileMy email address is [redacted] Sincerely, [redacted]
“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 concernThe $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 timeAs of September 9th, a stop payment was issued on the check due to the check being returnedThe updated address has been provided to [redacted] ( [redacted] ***)Please allow 2-weeks for the arrival of the check due to processing and delivery timeIf 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.”
In review of [redacted] ***’s Revdex.com complaint, this member paid her car loan in fullTelhio Credit Union removed the lien on the title and mailed a paper title to the memberThe member contacted Telhio Credit Union stating she did not receive the title that was sent to the address on fileTo assist the member, Telhio Credit Union e-mailed a lien release letter to the member and stayed on the phone with her to make sure she received the documentationWhen the member took this documentation to the BMV to receive a new paper title, she was charged a fee by the BMVThe fee for new title and notary service is $ Mail lost or fees charged by a third party companies is out of our controlHowever, to provide outstanding member service, Telhio will credit the members savings account $dollars for the replacement of her lost title Mitch V [redacted] | Consumer Lending ManagerTelhio Credit Union
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
Greetings - [redacted] was directly contacted via phone by our Contact Center Supervisor on December 9th to discuss her recent experiences with Telhio Credit UnionThey were able to discuss fee application, along with other information pertaining to credit union products, policies, and practicesThe member's concerns have been addressedA resolution was reached, and their request has been completedThank you,Telhio Credit Union
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 stateIt 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
Consumer’s Original Complaint:In a matter of days or less, I incurred $in overdraft chargesOn November 29th, Amazon charged me $for seller charges that were later refundedIt 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 frameOn 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 $in overdraft charges I incurred.I have not been a telhio customer that long (maybe almost years) and I am beginning to think maybe a different financial institution would meet my needsI keep cash at home in a safe, and make deposits when I need toIn the future, I plan on partnering with somewhere like [redacted] , since they have the hour grace periodThese 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 chargesThis was excessive
Telhio Credit Union values your membership, and all feedback is reviewed to help enhance member experienceDuring the month of May, three returned draft fees were validly assessed to the business account, [redacted] A check made payable to [redacted] ***, was presented to Telhio twice by the companyThe available balance in the account on May 19th was $8.19, causing the first returned check fee [redacted] ***, then presented the check again on the 21st of MayOn May 28th, an electronic payment from [redacted] was presented in the amount of $200, with an available balance of $189.15, causing this transaction to be returned as wellAfter reviewing the events on this account, the applied fees do not appear to be a Telhio errorAs a one-time courtesy, we are authorizing a refund of $52.50, half of the accrued feesWe encourage our members to be cognizant of their balance prior to authorizing any chargesTelhio offers a number of services that could be beneficial to you including: Online Banking, Mobile Banking, account alerts, and a business line of creditIf you have any questions or concerns, or would like some additional information on our business line of credit, please call our Contact Center at ###-###-#### option *Thank you for your membership
I previously indicated, you need to physically visit a branch, with your drivers license or state issued ID card to complete the dispute
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 day waiting period in order to release the lienThe lien has been released and the title was placed in the mail to youWe are crediting back the $processing fee and apologize for your inconvenienceIf you have any questions or concerns, please contact our Member Service department at ###-###-#### option #Thank you for your membership.”
Calls were placed to Ms [redacted] beginning on November 2, when her account was days past due We were finally able to make contact with her on November 23, 2015, at which point her account was days past dueShe advised us that she was in process of trying to refinance, at which point she was informed that the account was days past due and it was impacting her creditMs [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 weekA 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 generatedTelhio Credit Union did not receive the payoff on this loan until December 1, We are bound by the Fair Credit Reporting Act and cannot arbitrarily delete accurately reported late paymentsThere is no GAP refund owed, the loan had been opened since 2012.Regards, Joyce RG [redacted]
Dear Mr [redacted] I am writing in response to the recent complaint you filed with the Revdex.com claiming an unauthorized transaction that overdrew your account from PayPalYou indicate in your complaint that you filed a dispute regarding the charge(s), but Telhio Credit Unio refused to reverse the recurring feesI confirmed with my Accounting Department that they have not received any dispute for your account regarding these chargesWhile I researched your complaint, I was able to confirm that you opened a PayPal account on or about January 6, Since the opening of your PayPal account, there have been numerous debts to your account over the last monthsPlease supply a copy of the dispute paperwork you claim to have completed so your complaint can be properly investigated and validatedYou can email this documentation to me at [redacted] visit one of our branches, or fax it to ###-###-####.Sincerely, Marcia L [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
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]
I reviewed the response made by the business in reference to complaint ID 12515167, and find the resolution is satisfactory to me
I have still not received my TitleAs 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 meThis has resulted in decline of my credit scoreUnauthorized credit check is illegalPlease have TELHIO call me and explain the reason for Credit Check Regards, Supratim Dasgupta
The fee charged as a result of the Planet Fitness debit will be refunded, and the account closedAny information previously reported to Chex Systems will be removed
No credit updates were made even after showed proof of payment made after Telhio did not process original paymentMoving to small claims Regards, [redacted]
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 agenciesI 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 day delinquencies would not be reported to the credit reporting agenciesYour account is currently days past due, due for November 22, 2016, with the total due being $Your account initially got behind when we did not receive your August installment, which was due on the 22nd, until September 6thWe did not receive another payment until November 7th, which was for your September installmentWe received another payment on November 15th, which satisfied your October payment, which is why your account is now due November 22, If you would like to forward the email communications you claim to have that state we would not report the day delinquencies to the credit reporting agencies, I would be more than happy to compare them to the account documentation on fileMy email address is [redacted] Sincerely, [redacted]
“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 concernThe $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 timeAs of September 9th, a stop payment was issued on the check due to the check being returnedThe updated address has been provided to [redacted] ( [redacted] ***)Please allow 2-weeks for the arrival of the check due to processing and delivery timeIf 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.”
In review of [redacted] ***’s Revdex.com complaint, this member paid her car loan in fullTelhio Credit Union removed the lien on the title and mailed a paper title to the memberThe member contacted Telhio Credit Union stating she did not receive the title that was sent to the address on fileTo assist the member, Telhio Credit Union e-mailed a lien release letter to the member and stayed on the phone with her to make sure she received the documentationWhen the member took this documentation to the BMV to receive a new paper title, she was charged a fee by the BMVThe fee for new title and notary service is $ Mail lost or fees charged by a third party companies is out of our controlHowever, to provide outstanding member service, Telhio will credit the members savings account $dollars for the replacement of her lost title Mitch V [redacted] | Consumer Lending ManagerTelhio Credit Union
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
Greetings - [redacted] was directly contacted via phone by our Contact Center Supervisor on December 9th to discuss her recent experiences with Telhio Credit UnionThey were able to discuss fee application, along with other information pertaining to credit union products, policies, and practicesThe member's concerns have been addressedA resolution was reached, and their request has been completedThank you,Telhio Credit Union
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 stateIt 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