Date Received: 2022-06-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was under the impression that my student loan was deferred because of Covid. I never received any correspondence, calls, or bill to pay my loan, which caused a late payment. I only realized after signing into my school email and saw an email regarding a loan statement. I quickly paid the balance owed and called to see if they could reverse the late payment from my credit report, which they said they couldnt. I also never received correspondence stating that adverse action would take place. I have never had a late payment on anything and have paid this loan on time ever since and would like for this to be solved.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/2020 I moved from the home owned at the time by XXXX XXXX. Due to foundation issue and flooding I was promised to be removed out of that home into another XXXX property by The Supervisor at the time XXXX XXXX because the home was no longer in living conditions due to molding and the walls detaching from the home. My children had to undergo XXXX stay because of the molding. XXXX XXXX and myself were in argreement that me and my family will be moved and placed in another home, especially with a child with XXXX XXXX XXXX and a XXXX XXXX XXXX After the let down and my family being displaced. I later found out that they are alleging I owe a sum of {$12000.00}. I reached out to an attorney who also wrote them. Which the attorney didnt receive no correspondence. I have over the amount of evidence from pictures, statements by the insurance company, emails from XXXX, and etc. When we reached out to them for the last time they said the no longer owned the debt because the home was sold to another company but yet its still reporting on my credit. Its reporting false information and is violating the fair reporting act.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Consumer 's Original Complaint : XXXX XX/XX/XXXX the shipper XXXX XXXX XXXX XXXX XXXX ) sent a package from XXXX, XXXX to the importer ( XXXX XXXX ) who was studying in XXXX, XXXX. The contents were packaged at theXX/XX/XXXXstore with assistance with the XXXX employee. {$50.00} XXXX the package was returned ( due to cookies ). Customer service was contacted and we were told by XXXX that we would be refunded in 3 days. No refund received.XX/XX/XXXX XXXX the package was shipped again. Est arrival date XXXX XXXX {$56.00} - XXXX XXXX package stuck in customs. The shipper contacted XXXX no less than less than 5 times and an email was sent to XXXX. XXXX asked for the importers information which was provided several times via phone call and email. The importer contacted XXXX twice and was told he would receive an email for deliveryXXXX XXXX the package was returned. Customer service was contacted and we were told by XXXX it was returned due to a lack of commercial invoice. XXXX then told us we would receive a refund in 3 days. No refund received.Approx XXXX XXXX the package was returned with the original commercial invoice attached.XXXX XXXX : The shipper received a bill from XXXX for {$290.00}. After contacting customer service and billing numerous time we were told we would not receive a refund or adjustment to the new invoice both verbally and by email.Two complaints filed : XXXX & XXXX. XXXX has been unwilling to elevate this to a supervisory level.We have disputed the charges with our credit card, written letters, spent hours on the phone both trying to get the package delivered and trying to resolve the bill.I do not know what more we could have done to make this shipment successful or to resolve this dispute and we are respectfully requesting assistance from theXX/XX/XXXX Consumer 's Desired Resolution : Billing adjustment ; Refund XX/XX/XXXXProcessing XX/XX/XXXX web XX/XX/XXXX XXXX Received byXX/XX/XXXX XX/XX/XXXX webXX/XX/XXXXReceived XXXX Complaint Without Tracking Number XX/XX/XXXX XXXX EMAIL RequestXX/XX/XXXX Tracking Number from consumer XX/XX/XXXX WEB XX/XX/XXXXCONSUMER PROVIDED XX/XX/XXXX TRACKING NUMBER :XX/XX/XXXX Tracking XXXX XXXX XX/XX/XXXX XXXX EMAIL Informed XX/XX/XXXXof Complaint XX/XX/XXXX WEB XX/XX/XXXX RECEIVED BUSINESS RESPONSE : Dear XXXX XXXX XXXX This is in response to your recent inquiry addressed to the XX/XX/XXXXXXXX We are concerned to learn of your dissatisfaction with the service you received regarding the shipment traveling on package tracking number XXXX. This package was not released by Customs in XXXX, therefore, it was returned to the shipper on tracking number XXXX and received on XX/XX/XXXX at XX/XX/XXXXXXXX As we discussed, the freight charges are valid, and interline discount is not applicable on return packages. We certainly regret any inconvenience you have encountered while inquiring about the status of the shipment. We understand your concerns and will continue in our efforts to ensure future shipments are handled to your satisfaction. On behalf of XXXX, please accept our sincere apologies for the inconvenience you were caused. Respectfully, XXXX XX/XX/XXXX XXXX EMAIL Forwarded business response to consumer XX/XX/XXXX WEB XX/XX/XXXX RECEIVED CONSUMER REBUTTAL : ( The consumer indicated he/she DID NOT accept the response from the business. ) XXXX has not provided a reasonable explaination as to why the package was returned. We have heard that they contents of the package did not match but they did match. We have heard that a the package was missing a commercial invoice but it did have a commercial invoice attached to the clear pouch when we received the returned box. We had heard that they did not have importer information but this information was provided multiple times both via phone call and email. We were told the first time the package was shipped, we would be refunded. We were not. Had I known this we would not have shipped the package a second time. We were told the second shipping would be refunded. We were not. Instead we received an addition fee for the return costs. Most importantly we have never reviewed a clear explanation of why the package was returned. I had two conversations with XXXX at XXXX on XXXX XXXX XXXX XXXX and she contacted XXXX and told us the package was returned due to a lack of invoice but as stated above, the invoice was in the clear plastic pouch attached to the box? It is unreasonable to ship a package and have it returned ( without discussing ) and be charged 6x the shipping costs without a reasonable explanation as to why the shipment was returned. And all while the shipper is spending hours with a broken customer service system trying to resolve the issue. XX/XX/XXXX XXXX XX/XX/XXXX MORE INFO RECEIVED FROM THE CONSUMER : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX AM ( 8 days ago ) to Better Thank you, XXXX. I just submitted the 2nd tracking number because there was not a spot for both tracking numbers so I will include them both here below : XXXX XXXX ship : XXXX XXXX XXXX XXXXhup : XXXX I entered the XXXX XXXX number into the link. Ironically, when my son ( the umporter ) called to pick up the package in XXXX he was asked for the " invoice number ''. He said ( at that time ) that he only had the tracking number and they told him he needed the invoice number to pick up the package which caused a lot of confusion because we are so used to working with tracking numbers. My impression is that their customer service and support I nearly broken. Sad to see from. XXXX who, as a company, has always impressed me until now. I greatly appreciate the support with this. Warm regards, XXXX XXXX XX/XX/XXXX XXXX EMAIL Forwarded Consumer Rebuttal to Business XX/XX/XXXX XXXX XX/XX/XXXX MORE INFO RECEIVED FROM THE CONSUMER : see attached XX/XX/XXXX WEBXX/XX/XXXX RECEIVED BUSINESS ' RESPONSE TO REBUTTAL : Dear XXXX XXXX, This is in response to your inquiry addressed to theXX/XX/XXXX XX/XX/XXXX in reference to tracking numbers XXXX XXXX XXXX. Please continue to reach out to XX/XX/XXXX Revenue Services at the number listed on your invoice regarding charges. On behalf of XXXX, please accept our sincere apologies for any inconvenience you have encountered. We look forward to serving you more satisfactorily in the future. Respectfully, XXXX XX/XX/XXXX XXXX EMAIL Sent Business ' Rebuttal Response to Consumer XX/XX/XXXX XXXXXX/XX/XXXX Case Closed- Answered XX/XX/XXXX XXXX XX/XX/XXXX ReOpened the Complaint XX/XX/XXXX XXXX XX/XX/XXXX CONSUMER REJECTED BUSINESS RESPONSE : ***Document Attached*** On XXXX XXXX the XXXX Bill of {$290.00} was paid in full using a XXXX XXXX card XXXX The credit card charge was then disputed and XXXX ( through XXXX ) was provided all details of this dispute. On XX/XX/XXXX, the XXXX Credit Card Transaction Dispute was settled in our favor. ( Letter Attached ). On XXXX XXXX, XXXX, we received an additional bill from XXXX in the amount of {$290.00}, We returned the bill with a copy of the letter from XXXX explaining that the dispute was settled in our favor. XX/XX/XXXX XXXX EMAIL Forwarded Consumer Rebuttal to Business XX/XX/XXXX WEBXX/XX/XXXX RECEIVED BUSINESS ' RESPONSE TO REBUTTAL : Dear XXXX XXXX, On behalf of XXXX, please accept our sincere apologies for any inconvenience you have encountered. We look forward to serving you more satisfactorily in the future. Respectfully, XXXX XX/XX/XXXX XXXX EMAIL Sent Business ' Rebuttal Response to Consumer XX/XX/XXXX XXXX XX/XX/XXXX Case ClosedXXXX Answered XX/XX/XXXXXX/XX/XXXX MORE INFO RECEIVED FROM THE CONSUMER : On XXXX XXXX XXXX XXXX we received a collections notification from TRANSWORLD Systems ( TSI ) for the amount of {$330.00} on behalf of XXXX XXXX On XXXX XXXX we disputed the bill with ( TSI ) the collections agency. We also contacted XXXX on XXXX XXXX XXXX XXXX 's explained that the dispute resolution through XXXX / XXXX is binding and final that the dispute was resolved in our favor and that the money was not owed. In summary, XXXX did not provide services paid for nor an explanation as to why, but billed us {$50.00}, {$56.00}, and {$290.00}, which was all paid in full and disputed through our bank and credit card. Then XXXX refuses to accept the dispute resolution and then rebills us and then sends the bill to collections. This has now turned into harassment from XXXX. What happened to XXXX XXXX 's XXXX? Its a shame.
Company Response:
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 15 USC 1692c ( b ) Transworld System INC is in clear violation of communication practices. Cease reporting to all consumer reporting agencies immediately. Third-Party is anyone that is not immediately associated with your company or myself. Failure to remove the account, subjects ARS to criminal liability for willful and knowing violation of federal law. 15 USC 1611
Company Response:
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I owe the VA approx : {$1800.00}. the IRS set it up that they would take monthly payments out of my social security to apply to this debt, they have been doing that for a number of months. I received a Letter dated XXXX from the IRS informed me that they owed my wife and I, {$1800.00}. They also informed me {$750.00} would be applied to my medical debt with the VA. With this I received a detailed list of all the charges and who they went to. I need his amount to be paid toward this bill and I will be paying whatever is left with check or debit. The VA never informed me they would be turning this over to collections, otherwise this could have all been taken care of. I don't need this messing up my credit.
Company Response:
State: FL
Zip: 34207
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted Transworld System on a matter that pertains to my credit. I have been a victim of fraud. I sent Transworld System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked transworld system to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Transworld system and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Transworld systems listed a debt on my credit report without notifying me of the attempt to collect the debt and providing proof/validation of the said debt. Which is illegal, they are supposed to provide a letter providing me notification of the said debt or giving me the opportunity to dispute the information.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A