Date Received: 2021-07-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: The current issue is I am not able to see, pay, and manage my 2 student loans when I log into UAS ; this issue was present and unfixed since XX/XX/2021. The following is background concerning this issue : My 2 student loans with XXXX University were supposed to be in deferment without interest accruing until XX/XX/2021. UAS kept interest accruing during the deferment period despite multiple calls and emails. I submitted a prior CFPB complaint regarding this past issue, UAS resolved it by taking the accounts offline in XX/XX/2021. Since XX/XX/2021, when I log into UAS, I have not been able to see any balance, interest, or loan information. I can successfully log into XXXX. The loan information is not present when I log in. I have attached the prior CFPB response, and the loan aggregate reports and screenshots spanning multiple months of 2021 ; please pay attention to the dates as they will illustrate the issue. This issue is unresolved despite multiple phone calls and emails to UAS. These loans are now out of deferment and I need to manage and pay these loans this month, XX/XX/2021.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company has entered a collection from a landlord during the pandemic. The XXXX form was given to the company regarding the address. There is a debit listed now which is causing a housing issue for future renting. The amount is not correct, the unit could not be used during the time and there were issues with the water which remained unresolved. The unit was unlivable during the pandemic. There was harassment and the landlord entered the unit continuously and there was no way to stay in the unit during the pandemic regardless of there being a rent moratorium. There were issues with the electricity and the landlord was unusually aggressive and argumentative about these issues. There was no stay for the time period which the collection is being made, and there was no drinking water from the faucets, the toilet didn't flush, the lights turned off on their own, there was an electric panel where the lights had been shut off then the landlord or maintenance would enter and unplug things inside the unit. The collection is an illegal collection and no payment arrangement was even offered. The washer dryer in the laundry room was unplugged when clothes were put in it to wash and use was not allowed by the landlord. There were things broken inside the unit and constant harassment.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: While renting a car for 6 weeks, I was hit twice and filed two separate loss incidents with XXXX, where I rented the car. Claim # 1, the driver who hit me acknowledged that they were at fault and stated that they would like to pay cash to fix the scratches on the BACK of the bumper. Claim # 2 I was hit, but the other driver claimed she had yielded, so each of our insurances determined we would each be responsible for our own cars. The damage for claim # 2 was on the XXXX of the bumper because the other driver had merged into my lane. I am willing to pay for the damage to the side bumper. However, XXXX sent me an invoice for all the damage, and included the damage to the BACK of the bumper which should be billed to the driver for claim # 1. I have sent several emails to XXXX XXXX who is handling my claim, but he has not responded to me. I spoke to him and he said I'm not being billed for the other damage, even though the invoice shows the back bumper damage to repair. I have asked for documentation on claim # 1 so that I can understand how they are separating the claims. After several weeks I received an email stating that they would be dividing the two claims, collect the damages from claim # 1 from the third party, and send me an updated bill, however, I have now received a letter from a collections agency, Transworld Systems Inc. ( TSI ) for the full amount of both claims. I have now mailed a certified letter to XXXX and TSI requesting again that the claims be separated and billed appropriately and that documentation of such is provided to me. I eagerly await their response.
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Medical debt was paid on XX/XX/2021. When payment was remitted to Transworld Systems also known as TSI they agreed to delete the record from my report but later refused after payment was remitted. I filed a complaint with CFPB against TSI on XX/XX/2021. On XX/XX/2021 TSI sent a letter admitting the account was paid and that theyve asked the credit bureaus to delete the account. A representative from XXXX said the debt was verified as belonging to me on XX/XX/2021 which is after TSI claims to have requested deletion of the record. I was able to ascertain that TSI had in fact not requested my record be deleted but instead transferred the account to XXXX XXXX XXXX XXXX to prevent the record from being deleted. Attached you will find the CFPB complaint response letter and also a screenshot of my credit report from XX/XX/2021 showing the debt now being reported by XXXX XXXX XXXX XXXX under the CR code XXXX. This is another blatant illegal act and a deliberate attempt to continue reporting false information. I have retained legal counsel and will move forward with litigation against all parties complicit in any, and all attempts to continue to report/collect on this fully satisfied account. Furthermore XXXX was furnished a copy of the CFPB complaint response letter. I submitted a dispute online. I spoke with an agent named XXXX who refused to forward the dispute to TSI stating that XXXX would instead be reviewing information it had received from sources and that the TSI collection would not be removed. I advised him that he should consult with someone from XXXX legal. After being placed on hold for approximately 10 minutes XXXX informed me that the record would not be removed and legal approved his course of action. They would continue with their dispute process. This is egregious. XXXX is allowing a paid debt to be transferred to a proxy agency for purposes of continuing to violate my rights under the FCRA. If XXXX is allowed to take such drastic and illegal actions to knowingly and deliberately damage my financial well-being then the I will never be afforded the financial growth and reconciliation Ive worked for nearly 4 years to achieve. Every day this continues my business is incurring irrevocable financial damage. If immediate action is not taken to correct this fraudulent attempt to ruin my credit I will seek civil damages.
Company Response:
State: KS
Zip: 66047
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Letter to Remove Inaccurate Credit Information : To Whom It May Concern, I received a copy of my credit report and found the following item to be errors. Here as follows are items in error:1.TransWorld Systems Inc : {>= $1,000,000} XXXX XXXX XXXX, CO XXXXPlease validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. Under the FDCPA Act, I am requesting proofof this debt:1.Original contract that bears my signature as a promise to pay2.Itemized account charges for the full amount requested as well as any payment history3.Proof of license to collect in the State of Florida4.License # and Registered AgentIn the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself, if this matter is not resolved. Thank you for your time and help in this matter.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Transworld/TSI has not been able been able to provide me with an original agreement or contract with the original creditor for the alleged debt. I have sent numerous debt validation letters to this company and no original contract or agreement was provided. I have also made several attempts over the last couple of weeks by contacting them via phone and each time I was told by each customer represperson they were unable to provide me any information regarding the alleged debt. I was informed I would have to speak to a specific account representative XXXX she was the ONLY person who could speak. I was told to leave a voicemail she would return my call. It has been several weeks now with no response and I dont understand how a debt it is reporting by a collection agency who cant produce the original contract for the creditor nor provide me any information on the debt. I am requesting this debt to be removed from by credit report due to the company not being able to provide me a contract agreement with the original creditor and for violating the Fair Debt collection practice Act. Please remove this debt from all three bureaus.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. TSI can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however TSI has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from TSI was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )
Company Response:
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi, I just ( XX/XX/2021 ) get this suspicious mail from Transworld Systems INC. With a claim that I owe a debt. Details as follow : File number : XXXX Invoice # : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX The debt amount is {$360.00} The address on the envelope was wrong ( wrong ZIP and State ) I do not recognize this debt and believe that is a fraud. I send a registered mail to the company with a request for additional information. Please advise what to do next. Thanks,
Company Response:
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Good afternoon, I received notification that I have an amount due in collections. I contacted the debit collection Transworld Systems. I have disputed the charge. I contacted the company XXXX. They changed the billing information for my account without my authorization and entered someone else 's credit card for my account. They failed to notify me any balance owed or that my payment was declined for a year. It was for auto insurance payments. I requested the invoices. In two invoices it states I owe a balance. In the previous statement I was informed that I was getting a refund. The invoices were not created at the time the payment was due, or past due. They were created in XX/XX/XXXX and XX/XX/XXXX. My policy with this company ended in XXXX of XXXX. I contacted the company. They claim they tried to draft the payment but could only collect a partial payment. XXXX XXXX told me the last 4 of the card on file. I have no card that has those numbers. They had tried to use someone else 's card that I have never had on file for my account. I even have the original authorization forms with correct information. All payments from XXXX XXXX were drafted off of my correct card. I now have this is collections damaging my credit due to the mishandling by their billing department of my financial information. I did not receive any notice. One that states I am being refunded was sent to an address I haven't live at since XXXX and it is not an address on my insurance policy. I didn't live there when I started the policy.
Company Response:
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Trans World Systems reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A