Date Received: 2019-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi,Transworld System INC. has kept sending mails that showed I had a dept of XXXX from XXXX XXXX XXXX XXXX XXXX billed me two times regarding just one same case. I resolved this issue with XXXX, and XXXX erased the additional bill. So currently there is no balance to pay back.But Transworld System INC is sending mails relentlessly. I sent message in order to stop mailing on their website, however I couldn't get answer yet.I had a receipt, XXXX has history about this. The following information is written on the mail from Transworld System.File#: XXXXCreditor: XXXXInvoice #: XXXX XXXX XXXXBalance Due: XXXXThank you!
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern, TSI/940 has charged my account for someones elses bill. XXXX had my infomation on file and a teneat was occupying the property and the bill was in there name at the time I was billed. I never recived any bill because it was not my responsibly. The bill is paid off in full and I called spoke to a rude supervisor who finally resolved the issue and said she update dthe account and it would be deleted off my reporta and transfered to the old tenats responsible. This wa in XX/XX/2018 it still is reporting to my credit report.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
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: Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested Transworld Systems INC to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I originated this private student loan in XXXX in the amount of XXXX. I was deferred until graduation ( XXXX ) and then entered into a lowered payment agreement. Since XX/XX/XXXX, I have been paying the normal payment. 3 months ago, I noticed that my principal balance has increased. So I contacted customer service and was told that my payments had been going to interest-bearing fees. Because I get electronic statements, I was only able to pull statements back to XXXX. The agent said they would send it to an account specialist and get back to me. 6 weeks later, I still had no word, so I called again. The agent this time pulled my account overview and sent it to me. Based on this report, since XXXX, it shows that my payments have been distributed to 'interest ' and 'fees '. No one can tell me what the fees are. Again, I was told it would be sent to an acount specialist but have heard nothing. I called again yesterday, and was read the exact same thing that was on the report, that my payments have been going to interest and fees. Again, it would be escalated. Today I received an email that the payments have been going to interest and fees with no further explanation. The account overview from last month shows that I have paid {$19000.00} on the loan amount of XXXX ( XXXX principal plus origination fees ). {$10000.00} went to interest and {$9500.00} went to interest-bearing fees. My balance details were unknown. The statement that I received this week shows my balance as XXXX, so it looks as though they are now distributing the money toward my principal since my call.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to request an investigation of the following information that appears on my credit report. Item to be disputed : TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX XXXX Account # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX Creditor 's Account # : XXXX Balance Due : {$760.00} Attached are the supporting documents which further detail the circumstances that prevented me from paying the disputed amount and from taking any action before this case was sent to the collection. I incurred some hospital bills during the birth of my first child in XXXX of XXXX. A portion of the bill was paid by the insurance company and I was responsible for the remaining balance. I was diligently making my monthly payments and decided to apply for financial assistance on XX/XX/XXXX. Attached letter from XXXX XXXX XXXX charity care and financial assistance confirms that. My application for financial assistance was reviewed and hospital decided that I was eligible for 100 % charity care write off on the portion of the charges for services I was responsible. It was later confirmed in writing via a letter dated XX/XX/XXXX. A copy of the letter is enclosed and original copy can also be presented on request. Letter states the following : Thank you for using XXXX XXXX XXXX for your medical needs. Your application for hospital assistance has been reviewed and you have been found eligible for a 100 % allowance for all hospital services except XXXX XXXX. This was my last communication with the XXXX XXXX financial department. There were no alerts/communication via phone, email or regular mail after the above-mentioned letter dated XX/XX/XXXX from XXXX XXXX XXXX. I was out of country ( in XXXX ) from XX/XX/XXXX to XX/XX/XXXX. Please see attached copies of the e-ticket and boarding passes. After coming back home on XX/XX/2019, I find this letter dated XX/XX/XXXX from the collection agency name Transworld Systems Inc stating the there is a balance of {$760.00} due on my account. See attached letter. I did not get to read this letter until after XX/XX/XXXX. It was never my intention to avoid paying any balance that I owed to the hospital. I did have some financial trouble during the birth of my child and for that I did seek financial assistance and was diligently making my monthly payments as a responsible borrower up until Ms. XXXX XXXX from the XXXX XXXX XXXX assistance department told me otherwise. I was never given any advance notice about sending my case to collection. First and the only notification that reached me came straight from the collection agency on XX/XX/XXXX stating my account has been sent for collection. When I became aware of this past due account, I immediately called the collection agency and set up a monthly payment plan. I have already made three ( 3 ) installments but my credit score has taken a big hit. I have worked hard to keep a good credit score of 700+ but this collection notice has put me back below XXXX. I have attached all necessary supporting documentation to support my claim. I am requesting you to investigate into this at your earliest convenience. Thank you for your assistance. Sincerely, XXXX XXXX Enclosures : 1. My financial assistance application dated XX/XX/XXXX 2. Letter confirming 100 % write off. Financial assistance approval. 3. Some payment receipts ( more can be provided upon request ) 4. Boarding passes and e-ticket 5. Bill of {$760.00} 6. Letter from collection dated XX/XX/XXXX 7. Payment plans with collection
Company Response:
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX runs an Urgent Care Clinic in XXXX XXXX< WV where I went for treatment. They took my information and credit card #, then asked what I was there for ... .I explained my symptoms and they said they could not help me and told me to go to the nearest Hospital / Emergency Room. I have filed multiple complaints with the company and they told me at one point they were dropping the claim that I owed them since they did not treat me - now I see this is the only negative mark on my credit! They have submitted this for collections ( through " Transworld Sys./XXXX '' at XXXX ). I need this to be removed and not reported on my credit. No service provided, no treatment rendered, but somehow they want to charge a fee.
Company Response:
State: PA
Zip: 15241
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Disputed that the XXXX XXXX school was adding on large amounts to a debt I knew nothing about never herd of the place until I seen my credit report.
Company Response:
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is the second time I have filed this claim. I filed a claim a month or so ago, and It was resolved on XX/XX/XXXX with it being closed. Transworld was contacted and they did not give information that justified the calls. They are a known scammer. Case # XXXX. They are calling me again and leaving the same recorded message as before. They have called and left messages on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX, XX/XX/XXXX @ XXXX XXXX from the same phone # - XXXX.
Company Response:
State: VA
Zip: 24112
Submitted Via: Web
Date Sent: 2019-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For the loans I had taken for my XXXX school education, I had a balance of around {$160000.00} from UASXXXX XXXX. Because the interest was high, I consolidated my XXXX loans with XXXX XXXX and they made the payment to UASXXXX on XX/XX/XXXX. Meanwhile I had already made my XXXX month 's installment of {$2300.00} as I did not want to be late even on a single day on my payments. So there was an overpayment of a months installment. Even before I closed the loan I called UASXXXX to know what will happen if I made an overpayment and they stated they will either mail a check to me or send it to XXXX XXXX after about 40 business days. So, after about 45 business days, I called UASXXXX and they stated its actually about 60 business days and that the previous customer service representative gave incorrect information. Since then I have been calling almost every week talking to them for around 30minutes regarding an update on the refund and they keep giving different updates every time. They claim they refunded the money to XXXX XXXX on XX/XX/XXXX but when I called XXXX XXXX they did not receive it and they still havent. When I ask for proof, UASXXXX can not provide any proof of the check or the money was transferred. They keep saying they will call me or email me with the updates but they havent done that even once. I am so frustrated with UAS/XXXX because they are wasting my time and making a fool out of me. I worked hard for that money and I paid the monthly payments to UAS/XXXX on time for many years but they have no concern for me and are ignoring me. At the beginning I was talking to XXXX XXXX from UAS/XXXX and she tried to help but she kept saying the same thing to me and I didnt get any new updates from her. Another UAS/XXXX customer service representative, XXXX, was very rude to me and was not helpful. She stated there is nothing else they can do. And numerous times I asked them I wanted to talk to the supervisor or manager but they never gave me a chance. When I called UAS/XXXX on XX/XX/XXXX, while on conference call with XXXX XXXX representative, XXXX stated that they will send the refund again to XXXX XXXX but XXXX XXXX still didnt receive anything. And again I called UAS/XXXX and another customer service representative stated she doesnt see any updates in their system. I asked them again when exactly they send the check and for proof but they couldnt provide it. Even in my busy schedule I called them and wasted many hours because me and my parents worked hard for this money and I dont want to loose it. I was pregnant when I started this whole process and I felt so tortured. Now I have a XXXX XXXX baby and I spend a lot of time calling UASXXXX instead of spending that time with my baby. I have been going through a very stressful process for this refund and I feel very disrespected and cheated by UAS/XXXX.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2019-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I wrote a letter to Transworld Systems Inc stating all required documentation to be sent so I may validate them and they failed to provide all requested documents.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2019-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A