Date Received: 2022-04-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my bill and payment for {$40.00} dollars did not go through when it was on auto-bill. After seeing late payments hit my credit report, I reached out to the lender/company and they said that the payments were not accepted because the name on the credit card that was being processed did not match the name on the student loan account. They never notified me of the rejected payment or explained why the payment was rejected and gave me this late payment. I now have difficulties being extended credit because of these marks and the company will not help me with this unfair situation.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Started getting letters from the debt collecting company for {$210.00} because I was supposed ly employed by a fake company called XXXX shipping last year where I was supposed to be shipping products to consumers through the United States Post office and also XXXX now that I found out after 30 days of being employed was never paid for the position that I work for and I was cut off from all communication from fake company phone calls numbers website at the work but was never compensated now I'm coming to find out after almost a year that people are coming after me to pay for these packages that were sent out and never paid for through this fake company I was never paid I feel like it's unfair for me to have to pay out money to a company that is defrauding people through a legitimate website indeed where people are looking for work to support their families and pay their bills and this company is defrauding people setting up websites with these people and then making them work for 30 days with a promise of a check for the work and being cut off on that 30th day where you can not contact anyway this company is defrauding people besides myself and causing hardship to to honest people like myself and now are faced with debt collectors trying to collect money from us the people that was defrauded like we're criminals and the company is operating scaring good citizens of the United States there should be a law against people opening up companies and then scamming people employees out of their time and their money without any means to prove that this is all a mistake because I am the one that's the victim
Company Response:
State: CA
Zip: 95209
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX my insurance company sent me to XXXX to pick up a rental car due to an accident I had. We had the car for almost 3 weeks and returned to XXXX. On XX/XX/2021. I saw a charge from this company for {$37.00} I never received an invoice and the insurance company told me they will be paid for the rental car we didn't know why we had this charge so I told my bank to dispute this charge. On XX/XX/2021, I received a phone call from the bank letting me know what I was charging for, and when they told me they were tolls payments I approved the transaction, which was paid right away. later in XXXX, I received a collection letter from Transworld Systems Inc, letting me know I owe them {$44.00}. I have been calling, and sending letters with the payment proof like the bank statements and the bank letter more than twice times and they continue saying that I have to pay for the service and the late fees. I never received a written response to my letters and I have been dealing with them for more than 8 months and I don't see they solving this situation. Now in the last call I did their response by phone was I'm in the red list. I don't know what else I can give them to proof of payment and when I asked I didn't receive a response
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX claimed I owed money on a shipment from overseas. I asked the shipper to pay this bill. They did not. XXXX XXXX sent me several bills while I was trying to get the shipper to pay. XXXX sent my account to TransWorld Systems , Inc. for debt collection. Meanwhile I paid off XXXX XXXX. Transworld continues to send me collection notices even though this debt is paid. I would like them to cease and desist.
Company Response:
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This complaint is regarding the XXXX XXXX, and is serviced by UAS XXXX. I have been a XXXX XXXX XXXX XXXX XXXX forgiveness program since XXXX, and had received two years of partial loan cancellation through this program for XXXX and XXXX. Since loans were paused during the pandemic, I waited to apply for my last three years of forgiveness until I was advised by UAS to do so this XXXX. My application for the final three years of teacher loan forgiveness was denied. However, the conditions of my employment as an educator have remained unaltered since I began working with XXXX more than four years ago when I first applied and was accepted for cancellation. This suggests that UAS has changed their express terms and conditions pertaining to the loan forgiveness program. However, I was not put on any reasonable notice of a change in the material terms of the agreement, and the acceptance of my application for multiple years established a reasonable expectation that I would continue to qualify so long as the nature and terms of my employment remained the same. I relied on these reasonable expectations that UAS established through past performance in my financial and career planning decisions. This situation has deeply affected my mental/emotional health, and I'm not sure what my next steps should be. UAS has also been requesting payments during the pause in federal loan payments, and it is affecting my credit score which will likely disqualify me from a mortgage. I have already submitted a complaint with the company and on studentaid.gov, both of whom will not take any action. Thank you so much for your time.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX was unresponsive when trying to cancel their services. After 11 months I realized the services that were promised were never delivered. They promise a home warranty service in which appliances and major issues within your home would be replaced if deemed to not replaceable. I had an issue with my AC and was told by one of their repairmen it would cost a lot of money to clean the outside vent. I was charged {$99.00} for the repairman to tell me I had an issue. If you see their reviews you will see that this company is a SCAM. After attempting to call their toll free numbers and waiting on hold for up to 6 hours, their number ( s ) would hang up on me. As soon as I placed a stop payment through my bank, I started to receive harassing phone calls. However, calling customer service is a nightmare if you are trying to cancel their service. Its as if they know that you are. The collection is now 3x the original amount. I attempted to cancel their service in XXXX of XXXX. Last ACH Debit was XX/XX/2021. The original amount bill was {$44.00} and now it is {$130.00} I should owe nothing. I was not on a 12 month contract. There was no contract signed. No cancellation policy in place or sent to me.
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: They are reporting information that's not mine. I had several break ins over time. To many Data Breaches with XXXX. I have tried to explain to the consumers what have taken place. Have faxed over texts that I have received from XXXX talking about the Data Breach. And the police report number that I had at the time I started notice these fraudulent accounts on my report.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was wrongly charged for an apartment I lived in while disabled.The apartment at XXXX XXXX in XXXX XXXX, Ohio that I moved into was never repaired before I moved in and was damaged with burnt old carpet old windows old doors and locks n old blinds.I never caused any of the damage at the apartment.It was already like that and it was unsecured most of the time.After I left people were in the apartment and caused damage.I was XXXX twice at XXXX XXXX.Resulting in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.The apartment I was in was never repaired before entry it was trashed n old when I got it.I didnt mind because I had a dog.Then the manager of XXXX XXXX evicted me and lied about the damage and the original condition of the apartment.I was wrongfully sued and had no lawyer or witnesses and never knew the outrageous charges that were added up by a woman who hated me because we didnt get along.This woman left me stranded in a different town without any way home before n lied n said her vehicle blew up.All lies she was at work in the same vehicle next day.My apartment was entered illegally multiple times by other tenants n their criminal associates and it was entered illegally by the property manager.There were always keys to every apartment left unsecured in the office where people used a butter knife to enter and take keys to my apartment.I had locks replaced multiple times I had friends stay with me because I never felt safe there.I didnt damage the apartment and I am not responsible for the charges racked up by a XXXX trying to take advantage of a XXXX person.I was wrongfully evicted.I was on XXXX XXXX housing assistance and was in a XXXX XXXX XXXX XXXX when I left.I had a letter from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNobody cared.XXXX XXXX was yelling and screaming at me my last day there so bad the police had to make her leave me alone.I lost all my furniture my TV an antique guitar n a lot of my clothes as I couldnt fit anymore in my XXXX year old mothers broken down car.My mother had to drive over 400 miles to come get me and take me in.While I was XXXX from her other tenants XXXXWhat XXXX XXXX does is wrong.Renting unrepaired apartments to people XXXX and then evicting them so she can make up charges and sue them to repair the old apartments n make them newXXXX told me I would never have to leave.She hurt me so bad I became XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never had any money in my life and the apartment i lived in did not have XXXX $ worth of damage to it.And the damage was caused by other criminal tenants and criminals in the bad neighborhood.XXXX XXXX let them all get away with everything and let me suffer alone.Im not responsible for the charges XXXX XXXX said I was.And the apartment was never worked on while I was there.Kinda weird how all the damage happened after I left and was sued on false charges .The apartment was never worth the money shes asking for anyway and XXXX XXXX and XXXX XXXX ruined my life permanently. I can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXThis amount of money I will never be able to pay and am not responsible for any way.XXXX XXXX was full of XXXX n criminal activities and hurt me very badly for life.This is a false damage report with intentions of further hurting me financially and getting her buildings furnished with brand new apartments at poor peoples expenseXXXX XXXX is an XXXX XXXX taking advantage of poor weak old n XXXX people n their lives.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was seen by XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - one visit among many. XXXX XXXX humiliated me and when they send me > {$500.00} in bills, I contested it with my health insurance company. My insurer paid the costs completely for my troubles and for the pain and emotional distress they caused me. Today, XX/XX/XXXX, I was notified that {$180.00} of that bill was sent to collections, with my credit taking a hit and digging up this past trauma over expensive for an experience that has been paid for time and time again.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A