Date Received: 2020-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Lending Institution : XXXX XXXX XXXX XXXX XXXX Loan Servicer : University Accounting Service , LLC Both the lending institution and loan servicer have been complicit in withholding funds that have been owed to me for nearly six months. I refinanced away from this lending institution, and a check was sent for the full amount of my loan. I paid off the loan in full and overpaid by an amount of {$290.00}. My account shows a negative balance that reflects that this is the amount owed back to me. The loan servicer indicated that refunds are processed in 8-10 weeks. I diligently followed up with both the loan servicer and lending institution around this time to see 1 ) when the amount would be refunded and 2 ) where the refund would be issued ( bank account, check mailed, etc. ) I followed up again at 10 weeks, 12 weeks, 15 weeks, and 18 weeks time, when no refund had been issued. Both the loan servicer and lending institution indicated the refund was the responsibility of the other company. The bank 's customer service is essentially nonexistent and the people I've interacted were either incompetent or intentionally evasive. The loan servicer customer service was more cordial - at least - but equally unable to resolve the issue. Most recently, the loan servicer said that they only had the ability to flag the issue to the bank, who would have to issue the refund themselves. The servicer said they flagged it to the bank more than two months ago. The bank has not issued a refund. The loan servicer now appears to be ignoring my written support requests, and their customer service line often boasts two-hour-long wait periods, making speaking to a representative difficult to do. I had to give up after 85 minutes holding on Week 20 of non-payments. And please note - I have spoken to them on five separate instances and no one has resolved this issue ... so my willingness to reach out is in decline. WE ARE NOW 21 WEEKS REMOVED FROM MY OVERPAYMENT AND NO REFUND HAS BEEN ISSUED. Loan overpayment is not a uncommon occurrence - interest continues to accrue daily, so when people refinance, they try to get their new lender to issue the correct " payoff '' amount ( something which XXXX and UAS do not clearly provide ), but sometimes a slight under or overpayment occurs. If lenders continue to charge interest and expect on-time payment month in and month out, why are they unable to return funds to consumers when they are owed back? Are they incapable of paying their own debts? It's an abhorrent double standard and this lender has been completely negligent. The fact that there is no standardized system to return funds to consumers for a type of overpayment that happens often simply baffles me. Their predatory variable rate student loans are bad enough - hard to understand what you're getting into as an XXXX year old, but I was fortunate enough through refinance to rid myself of debt to this unethical organization, but they've apparently made it their mission not to honor their own debts. I am writing this to hopefully resolve the ongoing issue with both the lending institution and loan servicer, and hopefully highlight to others that this lender does not have students best interests in mind.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2020-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/2013 a XXXX account was opened with XXXX XXXX. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score
Company Response:
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I received a letter for a debt We agree to the monthly payment. As our agreement, I make my first payment on XX/XX/XXXX. The next payment should be on XX/XX/XXXX, but in the time I received a notification from XXXX saying this company sends me to the collection when they do promise me by phone they won't If I do accept a payment arrangement.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On Tuesday, XX/XX/2018, I responded to a request of Trans World Systems Inc. ( TWSI ) for payment for this alleged debt of {$400.00}. I did not personally incur the debt. The debt was allegedly incurred by my adopted son, XXXX XXXX who was having some problems with the XXXX XXXX XXXX XXXX XXXX, and the said debt was forgiven by the Court, in XXXX County , Florida. On Tuesday, XX/XX/2018, I provided TWSI with proof that the debt was forgiven by the Court. At your request, I can provide you with the proof that I sent to TWSI. Once they received my response they were mandated by law, to refrain from contacting me again until they provided me with the proof that I was indebted to them. They did not. Now, 21 months later they have started contacting me again about the same debt. I submit, that when they failed to send me proof of my alleged indebtedness, they could no longer contact me about the said, alleged indebtedness. Also, they are also precluded from listing the debt on my credit report. I notified them, in writing, that I will be notifying the FTC of their attempt to resume collection of this alleged debt. And, if they had listed the alleged debt on my credit report, I demanded from them, that they remove it. Thank You. XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is my third complaint regarding XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter indicating that the medical debt they reported on my credit file would be deleted. A few days after, I received notification that it was removed. Today, XX/XX/XXXX, the trade line has been added back to my credit and caused a 40 point dip in my overall score. This trade line needs to be deleted immediately as it is affecting my ability to purchase my home. I've attached the letter for your review.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Nationwide Credit , Inc . XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX Account XXXX Dear Nationwide Credit , Inc., This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. If this is not removed from my credit report I will be suing your company. In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received a request for payment from Transworld Systems Inc. for a {$690.00} debt alleged by XXXX XXXX but it appears to the be same amount as the disputed amount from a different individual that was rejected for failure to meet minimum care standards. The alleged debt does not state the date of alleged service, the billing codes applicable, and provides no evidence that Transworld Systems purchased the alleged debt from XXXX XXXX. The alleged debt does not state how much Transworld Systems would be paid for collecting the alleged debt, which could be used to discount an old alleged debt. I have never solicited business from Transworld Systems, and I know they are shady debt collectors with a long history of abuses as documented by the thousands of complaints in the databases of Colorado and Federal governments. XXXX XXXX is not listed in the local phone directory and does not show in the local XXXX and XXXX approved providers. At the minimum, Transworld Systems should be required to provide the actual name of the provider they claim to represent, the actual billing codes involved so that any alleged billing can be compared to that billed, the actual dates involved, the actual location where such alleged billing was incurred, and provide any payments already paid as per XXXX and supplemental insurance. Additionally, I am XXXX and I do not use the phone. I will not use XXXX XXXX friends to address this issue as it is the responsibility of Transworld Systems to address disabilities per the Americans with Disabilities Act, and this is evidence of non-compliance by an abusive and vulgar organization.
Company Response:
State: WY
Zip: 825XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid in full, the medical debt that I owed to the collections company Transworld Systems Inc. After I paid in full, the collections agent proceeded to tell me that they " report regularly '' to the credit bureau . I then asked what reporting regularly meant and I was told " we can not give you any kind of time frame ''. I told them I simply wanted to know what their business practice is and if regularly, meant reporting on a monthly basis or every few months and they continued to respond with " we report regularly and we can not give you any kind of time frame ''. I was also told that even though I paid in full, they will not remove the collection from my record. I am lead to believe that as a consumer, if you try and settle your debt and even pay in full to a collections company you have no guarantee that the collections will be removed from my credit and no guarantee of when it will be reported that it is settled and in good standing. Is it legal for a collections business to collect money from me and then withhold information regarding when they will report my collections paid in full to the credit bureaus? This is extremely frustrating as I gave them my money and attempted to settle a MEDICAL debt so that I could attempt to improve my credit and qualify for an auto loan to purchase a vehicle. I was not told until after they collected the money that there is no guarantee of when they will report it to the credit bureau.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX, I was an absentee minor resident, away for college. The Lease was over in XX/XX/2018. I have gone to the companies credit bureau, and the company has refused to respond to any request made by the bureau to have this issue resolved.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A