Date Received: 2019-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In or around XX/XX/2015 I had an auto accident due to the fault of another driver. My vehicle was a complete total loss. The party at fault insurance company booked a rental for me at XXXX XXXX XXXX XXXX. However, after several days into the auto rental XXXX XXXX XXXX XXXX told me to return the auto in which I did. The other party 's insurance company that was responsible for the billing did not cover the amount due as stated to me. I was not responsible for the booking of this rental. XXXX XXXX XXXX XXXX has attempted to collect debts from me that I was not responsible for. I have explained in calls and letters many times it is not my responsibility. XXXX then retained a collection agency and I have also sent letters and faxes about this debt. I ultimately have had no choice but to file with the CFPB with my complaint. They have reported to this account to the credit bureaus causing irreversible damage to my credit scores, interest rates an inflicted financial losses due to erroneous reporting information.
Company Response:
State: MO
Zip: 63701
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX XXXX Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with XXXX XXXX. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a XXXX XXXX XXXX injury. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted XXXX XXXX advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from XXXX XXXX telling me that they had turned the matter over to a collection company by the name of Nationwide Credit. Since then I have received threatening correspondence from Nationwide. Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies. According to the CCPA of 1968 as well as the Americans with Disabilities Act and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of XXXX XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by XXXX XXXX and Nationwide Credit. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07430
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Good morning, UAS is the account holder for my XXXX Perkins loans. The total of the original loan is {$2100.00}. The total balance now is {$2300.00}, and the amount due is {$410.00}. I contacted them to try and extend my forbearance and was told that I would have to make a {$300.00} payment before I could apply for any other benefits. All of my federal student loans except these are on an Administrative Forbearance because I have filed a Borrower 's Defense application. This is because XXXX lost in a lawsuit with the FTC for deceptive marketing practices. I was a student that received a check because of it. I informed UAS about my status and on top of that I can't afford those payments. Please help.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: First off this debt was previously disputed and removed from my report, then purchased by Transworld System which by the way is not licensed in the state of Florida to collect debt requesting investigation
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There is currently a debt collection placed on my credit bureau from Transworld system Inc. They claim that I owe {$7100.00} to XXXX XXXX. I claim that this indebtedness started from an apartment building I owned over 10-years ago. XXXX XXXX was given instructions to turn off all utilities after I closed up the building. XXXX XXXX is posting a collection from over 10-years ago, and XXXX XXXX has gone past the legal timeline where they could file a lawsuit against me personally. Since I now live in the state of Tennessee, that is beyond any common sense scenario. Accordingly, I demand copies of all invoices pertaining to the attached XXXX XXXX account ( s ), and I will prove that XXXX XXXX has passed its legal collection timeline, and Transworld System Inc. no longer has right to report this collection on any credit bureau. My address is attached to mail my requested invoices.
Company Response:
State: TN
Zip: 37138
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to UAS via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. ALL of my student loans are through Navient, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. Thank you, XXXX XXXX
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I discovered two colllections for XXXX XXXX for service to a Rhode Island building that had burned down on XX/XX/2015. Service and billing was extended long past the date of fire despite service being disabled by Fire Department ( building was completely consumed ). In addition bills were sent to an address to Texas where I never lived. I negotiated with XXXX XXXX pay for deletion which they referred to Transworld Systems who responded in agreement, and I made my payment, but it is several months after payment and many letters later, and Transworld Systems still will not delete the collections despite the billing errors and written agreements and follow up letters requesting the deletion be honored and the billing error.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a debt through this company in the amount of {$770.00} from XXXX XXXX from 2014. I dont recall ever going to a physician called XXXX and if I did, I had insurance that covered everything. This debt has not been validated even with multiples letters being sent to the collection agency.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We have a collections on our credit report due to an eviction case that had been dismissed. although the case was dismissed and the attorneys for XXXX XXXX at XXXX ; agreed during mediation not to put anything on our credit reports. However they did and it has been difficult to find housing because of this collections on our credit report, and listed as " XXXX ''. We contacted NCC by email as they are the collection representatives for XXXX XXXX at XXXX. I have enclosed the emails to which I asked for itemized listing of debt, then attempt to settle the debt. I called XXXX XXXX XXXX ( XXXX ) to speak to a representative on XX/XX/XXXX as I was fighting identity theft. I contacted the XXXX office to get proof of residency and to discuss the debt. I left a voice message I never received a call back. enclosed are attachments that will give more detail.
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A