Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have reached out to both XXXX XXXX and UAS and have spoken on the phone with agents from each company more than 5 separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to XXXX XXXX via their website chat and was told to open a dispute with XXXX, I created a dispute with XXXX twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.
Company Response:
State: CO
Zip: 80138
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am fully insured. Yet, a medical facility, XXXX XXXX in XXXX XXXX Fl. incorrectly filed my insurance claim 3 times. The XXXX said they did not get authorization, XXXX XXXX XXXX XXXX XXXX denial letter claimed XXXX was not covered due to an old injury. I thought preexisting conditions were not an issue these days. This leaves me with the debt of {$16000.00}. Transworld Systems , Inc XXXX XXXX XXXX bought the debt and have tacked on {$530.00} in INTEREST for a XXXX week period. I should not even owe this debt. XXXX XXXX had incorrectly filed my medical insurance claim for my procedure 3 times. XXXX complaint is against Transworld Systems for charging an exorbitant interest rate. Another complaint is against XXXX XXXX XXXX XXXX for denying a valid claim. Last complaint against XXXX XXXX XXXX of XXXX XXXX for negligence in theri billing process and lack of good faith adjustment given this was mostly their fault.
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was notified I had a {$700.00} collection on my credit report. When I looked into it XXXX a collection for a utility company out of XXXX, XXXX. When I called them they said a woman used my social security number to open an account. I am going to their process now which includes this complaint and a police report was filed. I do not have any property in XXXX, XXXX where the utilities were shown to be hooked up. I called the company in early XXXX to get this remedied, but need this complaint to proceed.
Company Response:
State: TX
Zip: 78155
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for and purpose
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: IN SUMMER OF XXXX I NOTICED THAT MY CREDIT SCORE HAD DROPPED ABOUT XXXX POINTS. AFTER INVESTIGATING, I REALIZED THAT MY XXXX LOAN WENT INTO REPAYMENT, ALTHOUGH THIS WAS A GOVERNMENT LOAN. I CONTACTED UAS CONNECT AND THEY TOLD ME THEY COULD NOT RECOGNIZE THIS AS A GOVERNMENT LOAN. I ENDED UP PAYING OFF THE BALANCE OF THE LOAN ( APPROXIMATELY {$730.00} ) ON XX/XX/XXXX. I HAVE A BANK STATEMENT THAT REFLECTS THE WEB PAYMENT TO UAS XXXX. THINKING THAT I WOULD NO LONGER HAVE TO WORRY ABOUT THIS LOAN, I NOTICED THE ACCOUNT WAS STILL OPEN WHILE REVIEWING MY CREDIT REPORT. I CONTACTED UAS AND THEY TOLD ME XXXX WAS NOW IN CHARGE OF MY LOAN AS OF XX/XX/XXXX. I CONTACTED XXXX AND THEY HAD NO RECORD OF MY PAYMENT AND TOLD ME TO CONTACT UAS CONNECT. XXXX ALSO TOLD ME THAT THEY RECOGNIZE THE XXXX LOAN AS A FEDERAL LOAN AND IT SHOULD NOT HAVE ENTERED INTO REPAYMENT ( DUE TO COVID PUSHING THE LOAN REPAYMENT TO XX/XX/XXXX ). I HAVE NOW BEEN DEALING WITH UAS FOR 5 MONTHS TRYING TO SOLVE THIS ISSUE. I HAVE BEEN PROMISED PAID IN FULL LETTER, FALSE PROMISES. I HAVE SENT MULTIPLE EMAILS WITH THE BANK STATEMENT REFLECTING THE PAYMENT OF THE LOAN, AND EACH TIME I AM TOLD THIS WILL BE REVIEWED AND I WOULD HEAR BACK IN 7-10 BUSINESS DAYS. WEEKS GO BY, NOTHING. I RECENTLY ASKED TO SPEAK TO A SUPERVISOR AND WAS TOLD THAT A SUPERVISOR WOULD CALL ME BACK, NEVER CALLED ME.
Company Response:
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TSI is a Collections agency for XXXX XXXX XXXX My account ( XXXX ) ended up in Collections in XXXX as a result of misrepresentation from a consolidation agency. Since then, I entered into an agreement to pay down the Collection debt with TSI for $ XXXX. This payment was authorized as an automatic deduction from my checking account each month. For some reason, they terminated the agreement, then started sending threatening letters until I called to Re-establish the auto-draft terms of $ XXXX. In XX/XX/XXXX, my bank ( XXXX ) and I called to receive a payoff balance letter to allow payment this debt in full. The Account was paid and reported as {$0.00} Balance as of the billing cycle ending XX/XX/XXXX. On XXXX XXXX, TSI sent a bill for {$3400.00}. I have not made any additional charges on this collections account, however, TSI has garnished our XXXX joint income tax returns in the amount of {$3400.00}! The pay off balance as of XXXX, XXXX was {$1900.00}. After confirmation from a TSI representative, this amount was paid off with certified funds from my bank in XXXX, XXXX and the debt was reported to XXXX as {$0.00} balance as of XX/XX/XXXX. Therefore, I do not owe this debt.
Company Response:
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice on XX/XX/22 from Transworld Systems, a debt collector that I owed XXXX XXXX XXXX {$13.00} as of XX/XX/22. The notice included the following account invoice # XXXX. They claimed this is my account #. I have never received a billing statement from XXXX. First of all I do not have an account with XXXX. So, I have no account number with them. Second, XXXX informed me that their accounts are 9 digits long. Obviously the account listed above has more than 9 digits. Upon researching Transworld Systems I discovered their reviews often describe them as a scam or fraudulent. I might be experiencing the same
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted XXXX XXXX, my old apartment complex because they said Me and my husband owed a ton of money when we moved out. I contacted them and they took off quite a bit with the proof of documentation I had. I sent quite a few certified mail letters and emails and they wouldnt responded. I tried very hard because I had paperwork from them supporting that I owed no money and I did everything correctly when I moved out. They would never respond to me and I couldnt do anything about it. I never received anything about this going to collections. I have leases and documents since the time I moved in 5 years ago to prove everything but they r not willing to look at anything. Also they recently switched management and dont have a lot of the older documents. They are XXXX who were horrible and I felt constantly endangered for my life because they did nothing to protect anyone. I always felt scared and unsafe.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A