Date Received: 2021-02-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am having a lot of difficulty tracking who owns/who is collecting on a private student loan. At first, I was paying a lender called " XXXX XXXX XXXX '' ( since approx. XXXX ), which then became Younomics at some point in approx. XXXX. Given the HIGH interest rate on the loan, and the fact that I have student debt around {$150000.00}, I worked out a payment plan with Younomics, with me paying approximately $ XXXX towards what started out as a ~ {$20000.00} loan. Given the high interest rate ( which I find unconscionable, and I'm not even sure which loan this is because I never borrowed from a company called XXXX XXXX XXXX ), you can imagine that {$150.00} is a drop in the bucket. Even after paying for almost 10 years, my principal amount has not gone down. However, this is what I can afford given the amount of money I pay towards other student loans, housing, etc. In XX/XX/XXXX, when I tried to renew my payment plan as I had been doing every year for several years, I received a response with a three page document asking for a litany of information that I don't believe a lender is entitled to, including my income, every other loan I am responsible for ( including monthly payments and amount outstanding ), my monthly budget in every aspect ( food, utilities, support payments, insurance, other ), my account balances, my employer, my account numbers, my SSN, etc. It was invasive and I refused to fill it out. The email response I received when I asked why I had to fill out this form when I never had to before was, " This is the new process now. '' It seems unconscionable to me that a lender can change its terms/processes without any notice to the borrower. I continued to pay the amount I had been paying and refused to fill out the new form. Since I refused to fill out the form, the payment arrangement expired and my monthly payment amount went up significantly. I can not afford this. The loan then apparently transferred to a company called XXXX XXXX. XXXX XXXX has been reaching out in the last year, and I gather they are a debt collector. I've emailed XXXX numerous times in XXXX asking them to prove they have the legal right to collect on this loan - they have not responded. They have put multiple bad marks on my credit score. I understand that I am responsible for the student debt I took out, but I am drowning in student loan payments. This is a private loan that I took in college, when I was 18-21 years old, without any real understanding of what interest, APR, etc. meant. I don't even know which loan this is since it has hopped from company to company so many times and every time I ask for proof of ownership of the loan or a promissory note I signed signaling that the person try to collect the loan has the legal right to do so, I do not get any response. I don't know what else to do, and I don't understand why 15 years later, a $ XXXX loan is still haunting me and now destroying my credit. Please help.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against TRANSWORLD. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Dear Sir/maam Subject : complaint about unlawful collection activity of a credit card, & collection agency. Being a dentist, I had no source of income for months ( 6 ) last yr, due to covid mandatory shutdown. but XXXX XXXX kept calling, emailing me for monthly dues.all credit card cos were required to offer a deferral programme.but this is the only credit card, that did not even have a deferral programme. they only waived late fees for 2 months, and kept charging me even late fees?? I talked to them couple of times, once the agent said, its ok if I cant pay, they will stop the collection for a period of time. But they never did that, only kept adding late fees, and sending me monthly bills, month after month.shockingly, they were mean enough to call me all the time, even on my home phone, and disturb sleep of seniors at home! Due to their lack of total sensitivity, I stopped even trying to talk to them.whereas, all other credit cards cos, have been humane, and offered my deferment plans.and I am paying them all on time now. I do know, that all credit cards cos were supposed to offer deferment plans, to those effected by lockdown, and total loss of income.but, XXXX XXXX had no such plan?? I am also head of household, so any effect on my credit score adversely effects the whole family.its not even my fault. my office was closed again since XXXX XXXX, due to very high covid cases in this county. i am trying to take baby steps to re-open, but not much business.it will take few months to even get business back to where i can afford to pay essential bills. dont forget, i have to file taxes too. all the late fees added so many times ( aleast 6 times ) need to be removed. i can only think of paying sometime next yr, in 2022, not this yr. Finally, XXXX XXXX was quick to transfer my acc to a collection agency.i just can not can not afford to pay this years sir. Have soo many urgent bills like electricity, food, gas, rent,,, to pay first. I have seniors at home too. I have no choice to file a complaint about this ongoing harassment. Thanks XXXX XXXX XXXX credit # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Item 1. I've asked you to validate the debt Item 2. XXXX/XXXX owns this contract Item 3. I owe nothing Item 4. You are reporting this as if I have an open tradeline with you Item 5. My CRA is impacting my credit reporting details, credit score when it's impactful from a FCRA standpoint Item 6. You responded to CFPB complaint that was immediately closed and based on FCRA compliance Item 7. Your correspondence is erroneous, fraudulent and incomplete Item 8. I do not owe this debt, you have failed to provide a signed contract Item 9. Please delete this erroneous tradeline
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted the company in XXXX to get them off my credit ask to send proof of bill thu XXXX XXXX company then sends me bill from XXXX XXXX XXXXnvoice date was dated XX/XX/2019, saying I owe it on invoice there no address of referring doctor just say name of what I think is a XXXX office and 2nd floor there no street name that. Also they have not sent no document of me signing anything I will like them to get this off my credit. Also when I go on quest website there no record of it I also attached
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was alerted by a credit monitoring company I use that a derogatory account was added. I looked at the account and it was Trans World Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. I was not familiar with the account that stated that account went in delinquent on XX/XX/XXXX for {$480.00} and was assigned on XX/XX/XXXX. I had not received a letter from this company and didn't know who this was so I called them and they said it was for XXXX XXXX. I had not had XXXX XXXX for almost 7 years and was sure I paid the bill they said I did not so I asked them why was the date XXXX and they said it was the date it was sent to them I asked them why was I never contacted and it was just put on my credit ad delinquent with out giving me a chance to pay and they had no answer for that. After speaking to like 3 people over two days I just paid the amount. I was not happy with this so I decided to call back on XX/XX/XXXX to find out more about this because it just didn't understand how I had a account open in XXXX when I lived in a area that XXXX XXXX didn't serve. I called the company and the rep answered he went into a long spill about me winning a {$100.00} Visa or Mastercard and before he could help me I needed to pay {$2.00} shipping fee to get the card to me. I told him I didn't want the card I just wanted help with my debt to understand what address it was for he said he couldn't help me until I paid the {$2.00} fee I refused and he hung up on me. I called back 4 times and each time the same thing no one would talk to me unless I agreed to pay {$2.00} for this credit card. I ask for a manger and was put on hold when a manager answered they started out as if they was going to help and they went right into I must pay this fee first so they could give me information I was requesting about the debt and if not they I couldn't have it. I told her it was illegal and ask for her name and she hung up on me. I was not able to get any information about my account I tried calling XXXX XXXX they told me it was sent to TransWorld and I had to contact them for information. At this time I have paid this and I really don't think it's my account and they have also now reported it on my credit as in collection/charged off and I have disputed it and can not get it removed.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a debt collection letter from Transworld Systems for {$370.00} for an apartment application fee. I did not apply for an apartment in that building or at that time. I told Transworld that this was identity theft and they sent me a packet of information, by mail, to complete a report about the identity theft. The packet also included the original apartment application that someone submitted on my behalf without my permission. The apartment application includes the last four digits of my social security number, my state driver 's license and my prior address ( which was my current address at the time of the application date ). It also provides a reference of a " friend, '' a name I do not recognize and a person I do not know. The paperwork in the packet asks for my social security information.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I have received a letter from Transworld Systems Inc. from XXXX Ohio in regard with an account with XXXX XXXX XXXX XXXX. I called the number on the bill XXXX. The call was answered on a line with bad reception. The person did not identified himself. When I asked, he gave me his first name and after several attempts his last name : XXXX XXXX. I explained to him that I intend to make a statement in regard with the collection, then I asked for his license number or any other information that will help me identify the person taking my statement. Mr XXXX XXXX did not have a debt collection license which is required by the state of North Carolina where I reside. He refused to transfer me to a licensed representative and rudely hang up on me. I am asking for protection from Transworld Systems as their collection practices seem to be unlawful.
Company Response:
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A collection charge showed up on my credit report that doesn't belong to me. I made multiple attempts to resolve and dispute with the collection agency and the credit agencies, but without success. The amount is : XXXX Collection agency : XXXX XXXX - phone - XXXX original creditor : XXXX XXXX - utility bill The collection agency confirmed for me that the utility bill had a different mailing address than mine. I have been living at an all bill paid facility for the last 9 years and i don't pay electricity nor water. i have no knowledge none what so ever about this collection account. Thanks
Company Response:
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The medical debt collection from Transworld Systems Inc was placed on my credit reports without proper notification. I previously disputed the account with all three credit bureaus. I was able to determine the original creditor as XXXX XXXX. I have paid the debt with the original creditor as shown as the attached documentation. I am requesting that the collection account from Transworld Systems Inc be removed from XXXX credit report.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A