ComplaintsforTBF Financial

• Initial Complaint

  08/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with ************** I do not have contract with TBF financial. They did not provide me with the original contract as requested.

  

  Business response

  08/22/2024

  ******************- TBF Financial, LLC has reviewed your file and verified the information as accurate.  Through your prior contact with TBF, they do not show any requests for documentation.  TBF would be happy to supply it to you.  Please contact TBF at ************ to make such a request.

• Initial Complaint

  08/11/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with FINANCIAL PACIFIC LEASING, I don't have a contract with TBF FINANCIAL, they did not provide me with the original contract as I requested

  

  Business response

  08/12/2024

  Naeb-

  TBF does not have any record of a request for documents.  TBF sent letters of notification to you on 6/4/24.  TBF is in possession of the executed documents with Financial Pacific Leasing, which include notarized personal guaranties.  Suit has been filed in regard to this matter.  For further information, please contact ***** & ******, PLLC ************.

  Thank you, *****

  Customer response

  08/12/2024

   
  Complaint: 22124357
  
  I am rejecting this response because: They couldnt provide any evidence I signed with them for any credit or loan. Never heard them or talk to them. Remove the fraudulent accounts reported to my credit history.
  Sincerely,
  
  ***********************

  

  Business response

  08/13/2024

  ******************-

  Per yesterday's response, all of the documentation is in the hands of TBF's attorney.  Their information was supplied in the response.  Suit was filed in June and you should have been served with all of the documents you allege to have requested.  Also, the personal guaranties were notarized.  That is sufficient evidence that you did sign the guaranties.  If you truly wish to resolve or obtain any information, you may contact TBF's attorney, ***** & ******, PLLC ************.  *********************

• Initial Complaint

  07/02/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with TBF FINANCIAL LLC. I do not have a contract with TBF FINANCIAL LLC. They did not provide me with the original contract as requested.

  

  Business response

  07/05/2024

  **************-

  You contacted TBF Financial directly via phone on September 26, 2023.  TBF explained the situation to you at that time.  You have never asked for a copy of the contract.  Actually, TBF offered you a copy of the contract and you refused a copy.  Should you still want a copy of the contract, please contact TBF directly at ************.

• Initial Complaint

  06/06/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with TBF Financial LLC. I do not have a contract with the collection agency, they did not provide me with the original contract as I requested.

  

  Business response

  06/06/2024

  *****-

  I can't find your name in our system.  This could be due to a name change or other reason.  Please contact TBF Financial at ************ for further assistance.  *********************

• Initial Complaint

  05/05/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ***** capital. i do not have a contract with this collection agency tbf financial. i did not sign any paperwork with this collection agency. they did not provide me with the original contract as requested .

  

  Business response

  05/06/2024

  ******************** - TBF is the title holder of this claim.  Judgment was entered against you on March 1, 2022.  TBF owns that judgment.  Should you wish to reconcile the account, please contact TBF Financial at ************.

  Customer response

  05/06/2024

   
  Complaint: 21670296
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

   

  my identity was stolen . I did not sign any documents  on the loan . You are referring to a fraudulent loan opened under my name . I have provided a police report a id theft report and a ftc report. This debt is not mine. You are violating the law by reporting this. I never signed a contract with you ever. Remove it now before my next step is to *** you for violating my consumer rights under the fcra.

   

   

   

   

  

  Business response

  05/07/2024

  ***** - TBF again offers you the ability to contact them directly at ************ to resolve this matter.  You sent a handwritten letter received January 24, 2023, stating in part 'I am willing to make payments to alleviate the debt, if your willing to adjust your report to the credit bureaus. Otherwise, there will be no benefit to me to pay it as it's a charge off collection on my account already. Paying collections does nothing to help my score. Let me know by mail of your decision. I would like you to adjust the report to current and change it's collection status, in return I can make payments of $450.00 a month to alleviate the debtor and lump sums as I become able.'  The only allegations of fraud were to the credit bureaus in an effort to have the mark ************** TBF has validated this account and welcomes resolution.

• Initial Complaint

  02/16/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Financial ***************. I do not have a contract with TBF Financial LLC, the ***************** trying to collect and report to the credit bureau. They did not provide me with the original contract as I requested.

  

  Business response

  02/18/2024

  **********************- You are aware of this obligation and that judgment has been entered against you as of  June 1, 2022.  You have been in touch with TBF's attorney as well.  Should you wish to reconcile your account, you may contact TBF at ************.

  Customer response

  02/21/2024

   
  Complaint: 21303250
  
  I am rejecting this response because: I am not liable for this debt with Financial ***************. I do not have a contract with TBF Financial LLC, They did not provide me with the original contract as I requested.
  
  Sincerely,
  
  *****************************

  

  Business response

  02/22/2024

  ********************** - The claim by Financial *************** was sold to TBF Financial.  The court has ordered that you are liable in the amount of $47,720.27 plus interest to TBF Financial, LLC as of June 1, 2022.  Should you want to resolve, you may contact TBF's attorney or TBF directly at ************. 

• Initial Complaint

  02/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC **** Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC **** Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report originating from TBF FINANCIAL LLC, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Number: **** I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.Sincerely,*****************************

  

  Business response

  02/15/2024

  TBF has reviewed this account.  You agreed to judgment and a payment plan, which you failed to pay.  Should you wish to reconcile the outstanding balance and repair your credit, you can contact TBF at ************.

• Initial Complaint

  02/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 11/30/2023 I submitted an Identity Theft complaint to the **** about a collection account from ******************************************** ***************. Original Creditor) concerning me and my company Creative Music Mgt. The fraudulent account was blocked from my personal credit report on 12/04/2023. I recently pulled my credit report and saw that this deleted FRAUDALENT COLLECTION Acct from ******************** LLC had been reinserted back onto my credit report. As I reported earlier THIS IS IDENTITY THEFT! I am attaching 3 legal documents that confirms the Identity Theft. 1. A copy of the complete Los ******************** Investigative Report. 2. A copy of the *** Identity Theft Report 3. A copy of the Sworn Affidavit, signed under the THREAT of PERJURY, notarized and filed with the Superior Court of ********** County of Los Angeles. This account should not be on my credit report. This is a violation of 15 U.S. Code ****i - Procedure in case of disputed accuracy and certification accuracy of information.I have spoken with TBF Financial (*******************) and Financial *************** (original creditor) concerning this matter and they are refusing to acknowledge these documents, legally proving my that my identity was stolen and used to obtain said services that they are trying to collect on. Instead, they are trying to bully me into paying for an account that I have proven I never opened or authorized anyone in my company to open. TBF Financial have reported via AUD to the 3 ************************** Transunion, Equifax and Experian that this information is accurate and they wanted to place it back on my credit report knowing that it is documented Identity Theft in order to continue their bullying and harassment tactics to me and my family. This fraudulent active account and the reckless unscrupulous behavior by TBF Financial is damaging by good credit that I have worked tirelessly over 40 years to maintain. It needs to stop immediately.

  

  Business response

  02/09/2024

  TBF Financial has submitted a request for deletion of the derogatory by the credit bureaus.  This was done to accommodate the request.  TBF is still reviewing the accusation of fraud.  The account remains open.

• Initial Complaint

  12/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello BBB;TBF Financial;; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections **** d, e f g of FCRA/*****. Remove from my credit report. You violated ****d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated ****e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of ****e;You violated ****e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated ****e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated ****g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; andYou violated ****f of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.As a result of the foregoing violations of the ***** on this matter, I demand an immediate deletion of this account from all credit reporting agency. These discrepancies are clear violations of my consumer rights as stipulated in the provisions outlined within 15 U.S. Code ****b.

  

  Business response

  12/25/2023

  ****************- TBF Financial sent you a notice that TBF has acquired this claim from Financial ***************.  You personally guaranteed this equipment lease.  Thereafter, you agreed to a settlement and payment plan that you failed to complete.  This matter is currently in litigation and out for service.  This is a commercial claim and therefore you are not protected by the ***** as that Act applies to consumers.  Should you wish to discuss this further, you may reach out to TBF Financial at ************.

• Initial Complaint

  10/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with 12 *************** LLC, I do not have a contract with TBF Financial LLC. They did not provide me with the original contract as I requested.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩