Date Received: 2021-03-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use University accounting services as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have 2 private student loans totaling {$100000.00}. These loans have been in deferment from XX/XX/XXXX to XX/XX/XXXX. During the deferment period, no interest is supposed to accrue, therefore no interest should start accruing until XX/XX/XXXX. This is stated in the loans ' Master Promissory Notes as well as specified verbatim in the loan servicer 's ( University Accounting Service , LLC ) deferment confirmation letters. However, interest has been accruing on a daily basis. When I call, they will acknowledge the mistake and remove the interest only for interest to continue accruing on the next day. Interest continues to accrue on a daily basis necessitating me to call multiple time for them to fix the issue. The issue has not been fixed. Interest on these 2 loans continues to accrue while in deferment.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021 Transworld systems sent out a debt notification letter about an alleged debt. On that same day they also reported to the three major credit bureaus that the account was in collections which is in violation with the CFPA. The notification letter from Transworld systems was received on XX/XX/XXXX and a validation request letter was sent out via certified mail on XX/XX/XXXX and was received and picked up by Transworld systems on XX/XX/XXXX at XXXX XXXX, well within the 30 day window to request validation before action could have been legally taken.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I first received notice in mail on XX/XX/2021 from Transworld Systems for a debt that I dispute. I mailed a debt validation inquiry to Transworld Systems via certified mail, which was received by Transworld Systems Supervisor, XXXX XXXX on XX/XX/2021. To date, Transworld Systems has not provided any debt validation but continues to have a debt account open under my name. USPS Certified Mail Tracking Number : XXXX
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I have been calling this company sense XXXX of 2021 they will not return my calls I have also asked them to do an internal investigation which they have snowballed me for 4 months, I had XXXX and was in the hospital at the XXXX XXXX XXXX I called this company to let them know that I was sick and was told that my payment could be deferred sense I had a life treating illness the derrment was for three months and then you restart your payments and I agreeed to that so I asked them to get the phone records that they refuse to get and will not return my Phone calls and sent it to another collection agency and the price went up by XXXX dollars in 2 months they have lied about everything and to show the lies they have avoided me sense thmontheeen I call leave massages and they don, t call back for month, XXXX.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail on XX/XX/2021 from the Transworld Systems Inc. However, because I am a XXXX, I didn't check the mail until yesterday on XX/XX/2021. The letter is a collection notice of an attempt to collect a debt of {$150.00} to XXXX XXXX XXXX XXXX. I have no idea what this debt is about. I've tried contacting XXXX and XXXX XXXX but I can't get through to an actual person. I will be sending a validation letter to XXXX XXXX today.
Company Response:
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owed the original creditor, XXXX XXXX, a total of XXXX for a former account. XX/XX/XXXX, I made a payment of XXXX. This was updated on my credit report. On XX/XX/XXXX, I made a payment of XXXX. Both payments were made directly to XXXX XXXX. I have disputed the balance owed on this account multiple times to XXXX XXXX and XXXX. Transworld is the collection agency contracted to collect the debt continues to report a balance owed of XXXX. I called Transworld on XX/XX/XXXX and was told that XXXX did not notify them that the second payment had been made. I called XXXX on XX/XX/XXXX and spoke with a XXXX who informed me that the balance is XXXX On XX/XX/XXXX, XXXX contacted Transworld and informed them that the balance is XXXX and to remove it from the credit report. I followed up with Transworld today and spoke with XXXX XXXX ( agent idXXXX ) and was informed that their records show that I owe a balance of XXXX. I called XXXX again and asked for the CEO 's email address as I needed to escalate the matter. I was then told by a rep who worked for XXXX that they would notify the collection agency that the account was not only paid off but they would request to have it removed from my credit report. I feel that I have done my due diligence in taking care of this matter but it is still adversely affecting my credit.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wrote a letter for debt verification to Transworld Systems Inc. and they wrote me back stating I had a XXXX balance. They also attached a Statement of Account from 2015 showing a zero balance. Where is the contract with my signature on it? Transworld did not provide this information because they don't have it because I do not owe this debt! This frivolous claim is effecting my credit. If they can not provide a contract with my signature on it, then I want this frivoulous claim removed immediately from the three major credit reports, XXXX, XXXX and XXXX immediately. This debt has not been verified.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: False Promises and Incorrect Information. Transworld Systems Inc. promised they would delete this account from my credit as I paid it, and it is a utility, during Coronavirus. They are still reporting that account. I wrote them a letter asking them to keep their word. That letter was returned to me. They reported the wrong address to XXXX. They have totally misrepresented all facts associated with this account. I DEMAND JUSTICE!
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company repeatedly contacts me at work from numbers XXXX and XXXX. On XX/XX/XXXX at XXXX they called me at my work number from their number ending in XXXX. I immediately called them back from my cell phone and told them that I CAN NOT receive phone calls at work. I work for a state government agency and all of my call logs are monitored against personal calls. These can get me in serious trouble as " theft of resources '' for using my government phone for personal reasons. The lady I spoke to said that she would have the number removed. Then this morning at XXXX I get another phone call using their number ending in XXXX. I immediately called back and told them I already asked on XX/XX/XXXX not to contact me at work. The only reason give was that it could have been another department that called. I'm sorry but I told your company once that calls are not allowed, it doesn't matter which department uses it. When I asked what it was in reference too I was told they needed my social to look it up, I gave a fake number and hung up because I was hesitant to hand out my info to this company. This company has my cell phone number, they call it constantly all day long. They should not be using my work number after they were told the first time not to.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A