Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I paid online my full past amount due. It was only about {$510.00}. That included any payment up until XX/XX/XXXX that may have been delinquent. Then, when I go to make the next payment in XXXX, I see via my credit report that the account has been delinquent since XXXX of XXXX. So my payment in XXXX, never covered the past due amount because somehow, even though I clicked " pay past due amount '' it was {$6.00} short. I, of course, didn't realize this until this next payment was due, because they didn't care to tell me. But what the issue is here is a random {$6.00} debt that must have been applied the moment I clicked " pay past due amount '' that keeps my account delinquent no matter how hard I try to pay it. I don't want to make another payment in fear they will just take my money and add another {$6.00} to keep me delinquent. This is seemingly predatory, and the lack of communication and effort on the loan collectors side is unbelievably unhelpful. The loan servicer is UAS. When I called the first time to ask why this was happening, the customer service agent hung up on me within minutes of hearing about this extra {$6.00}. When I called back the new agent told me it would take a while to review the account. Meanwhile I can not buy a house because of how these reports are affecting my credit
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a letter on XX/XX/XXXX saying that Transworld stating that they were going to garnish my wages. I returned a letter on XXXX, XXXX asking for validation.They sent documents with items missing other pages, they were missing a whole month from XXXX They didn't wait the allotted amount of time for me to dispute and placed the wage garnish on my account. I believe they violated my rights under the Fair Debt Collection practices act. Also there is no court information so I can contact the court to dispute this. Also this alleged debt is Time barred.
Company Response:
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reported to collections agency. I have dealt with them in the past for the same issue.
Company Response:
State: TX
Zip: 77092
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to covid I applied for forbearance for 6 months, I was advised that while the application was in progress there would be no impact to my credit. My credit score dropped 67+ points. The forbearance was approved until XXXX. My credit score has remained low even though I was advised there would be no impact while the application was processing This happened before and I had to submit a complaint. I have a XXXX and my home is in need of emergency repair due to my sewer line being broken. I am not able to obtain any loan to resolve the issue due in part to my credit score. This is urgent as my home is having environmental and sanitary issues. I also XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX as I am XXXX XXXX due to taking medication for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: XXXX Phone : ( XXXX ) XXXX Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans world systems inc XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Time of call : XXXX local time Date : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Company : Trans world system INC. Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Phone : ( XXXX ) XXXX Time : XXXX Local Date : XXXX The same debt collection agencies have attempted to contact me with the following numbers on these days. When asked for information about the company the agents refused to answer about where the company was located, company phone number, employee ID, refused to transfer to a manager, and refused to stop calling me then proceeded to call me before XXXX before i went into work.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I keep getting bill for something Ive already paid for. The bill they sent has a phone number where no one ever answers. Ive stayed on hold for over XXXX hours waiting! I paid this copay when I picked up my medicine in XX/XX/2022. Their bill does not indicate the date of the transaction so I can only assume its this XX/XX/2022 medication. That is the only medicine I have gotten that is this expensive. I paid it and a copy of my statement is attached.
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I Did live in the address that im being Charged for. Also I don't know how someone could get service in my name without me knowing.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Bankruptcy was XXXX XXXX, a collection was made in XXXX under XXXX and XXXX XXXX XXXX. I then filed a report with the Attorney General Offices in Texas and Washington as well as a dispute resolution through the US Department of Education. XX/XX/XXXX of XXXX I received a letter Transworld Systems Inc collecting on the same debt, I responded to them to dispute the information using the systems that they described in their letter. Explained that the debt was discarded in XXXX, that I went through this process back in XXXX. This has been the first time since XXXX that I have received anything of the sorts, has not shown up on any of my credit reports.
Company Response:
State: TX
Zip: 79930
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from XXXX. After downloading my IRS transcripts from XXXX thru XXXX I noticed every single refund was intercepted. I contacted TSI which was the third party collection agency and was informed XXXX had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my Tsi file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to XXXX for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX checks but on the back the account says XXXX XXXX XXXX. XXXX should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is XXXX and TSI ar nowhere to be found on my credit report. Im being robbed.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A