Tebo Financial Services, Inc.

When we spoke with ***x last week we were told *** *** bureau had been correctedToday we again contacted Equifax and they have assured us this time is has been corrected and it will be reflected as such within hours.We will folltomorrow afternoon to make sure it has been done.Sorry for the inconvenience.*** ***

We report consumer information monthly to both *** *** credit bureau as well as *** credit bureauWe looked at both bureaus for *** *** and both bureaus are reported correctlyIf I can be of further assistance please let me know.*** ***

To Whom It May Concern: After speaking with *** *** TEBO was able to modify the account to a monthly payment frequency, to better align with consumer’s budget, etcAs a goodwill gesture TEBO also updated *** ***’s tradeline to reflect on time payments There was a bit of
miscommunication as to how a late payment would reflectThe consumer was satisfied with all updatesPlease let me know if I may be of further assistance Thank you,*** ***

We spoke with *** *** and explained that there are no late fees being charged on the accountThe account was charged off in but continues to accrue interestAs a goodwill gesture we offered to waive all of the accrued interest and discuss a settlement on the accountThe customer
declinedIf I can be of further assistance, please let me know*** ***

TEBO has been in contact with *** ***, and we are working to move her account to a monthly pay scheduleTEBO strives to ensure all customers are able to align their pay dates with their payment schedule and we are pleased we were able to accommodate *** ***’ needs*** *** has
been with TEBO Financial for several years and we greatly appreciate her businessWe look forward to working with her in the future. Please let me know if I can be of further assistance *** ***

To Whom It May Concern: We spoke with *** *** and explained we do not provide payment bookletsWe have a website where our customers can see their account information, including due dates, payment history, delinquent amounts, etcWe are working with MrHoward to modify his account to a monthly payment frequencyThis will ensure he is always aware of his due date* *** *** was satisfied with this action Please let me know if I may be of further assistance *** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

To Whom It May Concern:We have reviewed Mr***’s complaint and provide youwith the following clarificationsOn February 2nd, a representativediscussed the account with debtor’s attorney, Ms***Due to thestatus of the account, TEBO was unable to accept a reaffirmation agreement
with*** and *** ***As the last payment received on the account wasJuly 8th, 2013, a payment history was sent via email to Attorney*** on February 2nd, 2015, so she could pass the informationof account standing to the debtorsAs no such agreement was filed and debtor’s casedischarged, we were unable to attempt to collect the debt or send suchcommunication to Mrand Mrs***We are happy to provide accountdocumentation at Mr***’s requestIf I can be of further assistance, please feel free tocontact me. Bob BowmanPresident

[redacted] has been contacted and arrangements have been made on her account. [redacted] has thanked us on numerous occasions for working with her during this difficult time and apologized for not contacting us before filing a Revdex.com complaint. We will continue to work with her during this time.If I...

can be of further assistance please feel free to contact me.[redacted]

Ms. [redacted] is an excellent customer. As soon as we receivedher complaint our Collections Manager reached out via email to offer assistance.His direct number is [redacted]. We have also attempted to reach Ms.[redacted] by telephone to offer assistance. As of today we have not received...

aresponse.  Our goal is for every consumer to have a good experience with TEBO and we look forward to helping Ms. [redacted]. If I can be of further assistance please let me know.Bob Bowman

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The resolution stands as noted in the initial Revdex.com complaint against TEBO.  The necessary complaints with the (CFPB) Consumer Financial Protection Bureau and (Atty Gen) Attorney General Office has already been filed against TEBO. I will file a motion for sanctions for violation of the discharge and serve it upon TEBO, if this Revdex.com complaint is not resolved.Please be advised all attorney fees and the punitive damages which have already occurred, will be pursued aggressively.  All complaints filed against TEBO will serve as proof of my attempt to correct this matter without involving the courts.If TEBO "believes" they did not violate any state or federal laws, I will exercise my rights to proof other wise.Let me know if any additional information is necessary.
[redacted]

On July 23, 2015, debtors redeemed the 2003 [redacted] for $2,502.43. Prior to redemption, TEBO advisedthe amount to redeem in detail to debtor. TEBO diligently prepared documents and detailed explanations of calculations as requested by debtors.TEBO sent both alpha and numerical explanations of the interest accrued since last payment on July 8, 2013. TEBO also sent debtor invoices TEBO paid to the repossession agency to clarify the calculation for repossession fees; such feesare listed on payoff quote as “loan fees”. According to debtors signed contract, “Allowed expenses are expenses we pay as a direct result of takingthe vehicle […].”All amounts given were proper and accurate. TEBO believes it acted in full compliance with state and federal laws and regulations. Let me know if I can be of any further assistance.Bob Bowman

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
In regards to Tebo's response to the complaint, our bankruptcy was discharged on February 25, 2015.  After the date of a discharge bankruptcy. communication is not prohibited by any State or Federal laws.  Also, we did received a call from one of Tebo's representative the day before the repossession took place. Therefore, Tebo did initiate communication contrary to the response to this complaint.  If Tebo is adhering to Bankruptcy laws by not initiating communications regarding the debt, why was the vehicle repossessed if Tebo is currently operating and classifying the debt under a discharged bankruptcy. As stated in my USPS certified mail correspondence, any balance owed will be paid within the coming week.  Any Repo and Bankruptcy violations will possible be pursued if a resolution is not received.
Regards,
[redacted]

To Whom It May Concern:   We spoke with [redacted] and explained we do not provide payment booklets. We have a website where our customers can see their account information, including due dates, payment history, delinquent amounts, etc. We are working with Mr. Howard to modify his...

account to a monthly payment frequency. This will ensure he is always aware of his due date[redacted] was satisfied with this action.   Please let me know if I may be of further assistance.   [redacted]

To Whom It May Concern:   [redacted] account with TEBO charged off in February of 2013. As of today’s date, the account is still open. After speaking with [redacted], he is aware of the balance due, and has made arrangements with TEBO, to settle the account. As a goodwill gesture, TEBO will...

waive any outstanding interest on [redacted]’s account.   If I may be of further assistance, please contact me.   [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 1[redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.] I would like to know at what point do you take the doubled account off my credit .. I know that by the fair reporting act this is illegal.. When I see that it shows up as one account then I will pay the settlement 
Regards,
[redacted]

To Whom It May Concern:   After speaking with [redacted] we made payment arrangements for the past due amount, and will be extending one payment as a goodwill gesture. Currently there are no late fees on the account.   We greatly appreciate [redacted] business and look forward to...

working with her in the future. [redacted] was very satisfied with the arrangement.   Let me know if I can be of further assistance. [redacted]

After reviewing the account, as a goodwill gesture we have agreed to purchase this account back from the agency that purchased it in 2016. We will also remove the negative reporting and report this account as closed and paid in full on their credit bureaus.If there are further questions, the...

customer can contact TEBO directly at[redacted] We will be happy to assist them.Regards,[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

To Whom It May Concern:  [redacted] stated she wanted no further calls made to her place of employment, once we received her request we ceased calls to her employer immediately. We received $4223.11 for insurance proceeds after [redacted]’ vehicle was declared a total loss. Her balance...

remaining after all insurance proceeds were received was $1756.44. As a goodwill gesture TEBO waived the balance, less her deductible of $500.00, and interest from the date of the last payment made, to the date of loss. Her balance is now $527.71. We have attempted to resolve this matter with [redacted] directly, but she stated she did not want to speak with anyone from TEBO at this time.  Please let me know if I may be of further assistance.  Thank you, [redacted]