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Tim Nolan's Tree Service

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Tim Nolan's Tree Service Reviews (3)

Initial Business Response /* (1000, 7, 2016/05/20) */
Contact Name and Title: Judy H[redacted] VP of Risk Mgt
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@summitcu.org
CASE #XXXXXXXX
The negative balance of $262.04 that is being reported to the credit bureau is correct. This balance is from a...

negative checking account that was charged off in February 2011. The reason this is just now being reported is we recently discovered that a certain types of charged off checking accounts were not being reported to the credit bureau. In April 2016 we corrected this error and these accounts started being reported and that is why this account did not show on this member's credit bureau report till that time
The balance showing is owed to Summit Credit Union. I have included copies of the members statements (from XX-XX-XXXX thru X-XX-XXXX as well as a current statement from the first quarter of 2016) which shows when the account went negative in 2010 and that the balance is still owed. I have also included the letters that were sent to this member in 2011, which state "we may report information about your account to the credit bureaus. If you look at the letters and the statements you will notice the member was negative a total of $374.04. However, when a member does not pay off the negative balance, before we charge off the account, we move all available funds and reverse any fees in order to reduce our loss. That is why the balance being reported is $262.04 instead of the $374.04. If a member wants to make restitution we only ask that they pay the reported amount but, if they want services back with the credit union they would have to pay the fees that were reversed as we do not provide services if we take a loss.
The member states, "That she noticed that this alleged account is showing to be Re-Aged which is a direct violation of the FCRA. It is illegal for a creditor to change the "purge from " date on a negative credit listing, causing it to remain on a consumer's credit report longer than allowed by federal law. This is an Illegal practice by Summit Credit Union which is direst violation of the FCRA". Per our attorney, we have 7 years to report this to the credit bureau. Only after 7 years would this have to be removed from being reported. Since this account was charged off in Februarys 2011, it will still be reported up until February 2018 unless it is paid prior to that date.
The member stated that the "purged from" and Re-Aging date were incorrect in the report from April 2016. We have called Equifax and also address the same complaint in E-Oscar to insure that the reporting is correct and accurate.
If you have any questions or need additional information, please contact us.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I accept it.

Due to an error on our part when we quoted what needed to be paid for the title to be released, we did not include the full amount that was owed. His wife, who is joint on the title, had another obligation that should have been added to payoff quote before release of our lien. ...

Because we quoted the incorrect amount in the case we will release the title, but the obligation under his wife’s name is still a valid amount due and we will pursue collection until paid in full.

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Address: 1401 Spring Place, Cleveland, Tennessee, United States, 37311

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