Date Received: 2019-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Continued from last complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter by email threatening to put me in collections a collection agent already contacted me previous before the email. Saturday I received a statement from the collection agent. According to the statement the balance is higher than what the service provider is asking for.
Company Response:
State: OK
Zip: 73159
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My husband took my XXXXyr old son to XXXX XXXX on XX/XX/19 as my son was ill. My husband had to leave during my son 's appointment, so I met him there and continued forward with the appointment. My son was flu positive and received prescription for XXXX. Ms. XXXX noted as my husband and I were both exposed we should consider taking XXXX XXXX. She provided prescriptions for both my husband and myself, which I filled and paid for. Subsequently, my husband and I both received {$89.00} exam bills from XXXX XXXX for the date of XX/XX/19. My insurance was billed directly but my husband was billed as un-insured as he was not in the XXXX XXXX system ( though we share the same policy ). I called XXXX XXXX to dispute the claims as billing fraud noting these services where never provided to my husband or myself. The representative confirmed they have no vital signs or notes in their system that would indicate any type of exam occurred. He reported it was likely an error on their side and would be resolved. It apparently was not resolved as the bill was turned over to a collection agency. I have paid it as XXXX XXXX correctly played the odds that I would not put in the additional effort to try to fight the collection agency. I do feel this is billing/insurance fraud. We will not utilize their services in the future and will strongly encourage others to avoid XXXX XXXX as well.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2019, I received a letter from a debt collection by mail on behalf of XXXX XXXX XXXX for the amount of {$50.00}. I have been a XXXX of XXXX from 10 years and payment is made always before service can be render and it made to the billing department. XXXX is aware that I am a XXXX XXXX and such person are required to obtain and keep good credit. XXXX has not notified me by mail or any such means that I owed of any such false amount. However, I this letter from the collection agency without any reason to why an amount would be due has not been exercised. XXXX has violated my rights to dispute or see why I would be charged when I would not been able to see the doctor and also, I pay {$80.00} per visit to see the doctor. I don't know why XXXX is creating financial fraud which, can be proving by my credit card payment on any such service that has been rendered .. This is totally financial fraud or reporting on XXXX XXXX part and to not give me the opportunity to dispute their billing by sending or call me about his is fraud ...
Company Response:
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Last Year around XXXX, I received a letter from XXXX XXXX XXXX regarding a student loan- I sent a debt validation letter to them and they sent me a contract but my signature was not on ANY of the documentation, the original lender was listed as XXXX XXXXXXXX XXXX XXXX XXXX . I called them to get more information but they refused and referred me back to the collection agency I disputed ted XXXX through the XXXX and this was removed from my credit report. This time I notice the Original creditor changed to XXXX XXXX XXXX which is now XXXX. I called XXXX while this was still in dispute and they had no record of any student loan from XXXX. XXXX XXXX send this to another Agency in XXXX of XXXX and I repeated the process and again it was removed again. I didn't hear anything from XXXX but received yet another letter in dated XX/XX/XXXX from XXXX XXXX XXXX regarding the same loan. i am exhausted this is affecting my credit an me completing my XXXX. This account is from XXXX!!!!! and it has not even been proven to be mine - How can they just keep sending it to different collection agencies and reporting like it's from XXXX. How can I protect myself and my credit?
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have requested debt validation and debt verification and Transworld Systems has failed to provide copies of any documents that show that this debt is owed by me. Transworld Systems and XXXX XXXX is trying to collecting on the same debt. Neither company has showed any documentation for the debt amount owed, contracts or rights to collect for XXXX XXXX. I have denied this debt and want it removed from my credit report immediately under the laws from the Fair Credit Reporting Act I do not owe this debt and after two attempts Transworld Systems has failed to provide these documents through the Consumer Financial Protection Bureau I have enclosed copies of debt collection letters from XXXX XXXX claiming they are the representative for this debt also
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX XXXX card from XXXX while in the XXXX from XX/XX/XXXX-XX/XX/XXXX. I obtained the credit cards for furniture and retail in XX/XX/XXXX. I paid all my bills on time and if I wasn't able to, there are several programs in place to help, and I used all of them. When I departed the service in XX/XX/XXXX, I asked that my cards be " shut off '' and my accounts " closed. '' I believe it was in writing as they asked me to for my protection. I didn't have work, and no where to go when I got out with my wife and XXXX kids, so I took my family and went to school. I ignored my bills for about three months while I moved, filed XXXX claims, started school, got a part time job, etc. I was also on public benefits and unemployment. I lived like that for the next two years of automotive school. I pulled my own credit report and found that I was in terrible shape. I made a list, called all of my creditors, made my case, and started paying them off, higher interest, smaller amounts first. I contacted XXXX XXXX XXXX XXXX to figure out a way to pay down my debt. When I left the service, I owed {$7800.00} between two lines of credit. I spoke with their collections department and they wanted me to pay $ XXXX. I worked for $ XXXX part time at XXXX 's XXXX parts, and was on EBT ( public aid ). I asked about other options and they said I could make 6 minimum due payments which started at 3 months worth of overdue payments at penalty APR OF 20 %, then five more minimum payments and they would drop the penalty APR and accept a smaller payment. The original contract allows them to charge a penalty APR indefinitely, compounded over time. I just couldn't come up with that kind of money. We tried combining those payments together and dividing it by six, and it was still something like {$500.00} / month. Still too much, I told them I would just pay what I could when I could. Next I get a notification that my tax return would be garnished. And so it was, XXXX or XX/XX/XXXX they took my tax return. XX/XX/XXXX they received {$3600.00}. Then I don't remember what happened, but I didn't hear anything for several months. I don't see anything due on my XXXX statement. I ignored that account and focused on others. Then I went through my credit report again in XXXX. My debt had climbed to {$10000.00}. They attempted to take my tax return again, but instead my return went to California child support for my wife 's child support bill- and that's an even crazier story. Then I was was offered a job I couldn't refuse and quit school in XX/XX/XXXX. A couple months of moving and the family mayhem, and it's XXXX. Again. I made contact with XXXX, and they had sold the debt to someone else. I got I touch with them. I started paying off all my smaller debts and now have no derogatory marks. I guess XXXX gave my account to TSI. By now, in spite of taking all my tax returns, my bill was {$19000.00}. I paid all but {$4000.00} before I got out, and now owed almost {$20000.00} on an original debt of {$7800.00}. I made contact with TSI and started paying {$300.00} / month for the last ten months. So now I've paid more than the original debt- less interest and collection fees, and owe a remainder of {$17000.00} of interest that is compounding monthly at my original penalty interest rate of 20 %. I recognize my fault in all of this. As a oung XXXX with a huge family I screwed up badly trying to survive. I have paid off debts non-stop for the last 7 years since getting out of the XXXX in the amount of roughly {$40000.00}. I have {$38000.00} in student loan debt that is on an income based repayment plan. I have asked to have that interest rate lowered to my original contract amount, and have not even gotten a response. I'm angry at this point. I'm doing my best to pay this debt, but the amount of interest they are charging is criminal. TSI is keeping both of my accounts open, one for each credit card, and billing me for two accounts. I asked why they wouldn't let me pay off one for {$2000.00} and get it off my credit report, and they said they can allocate my payments between each account as they see fit. That's great. I have to pay a CRIMINAL AMOUNT OF INTEREST on a debt to someone who did nothing to earn the money ( no services rendered to me ), and I get to pay their {$45.00} fee to XXXX twice per monthly payment. I feel this is unfair, but have not found any real legal cause to take up arms. I've read my original contract, my current credit reports from FTC.gov, and the US code regarding fair credit reporting and debt collection. My original contract States that a penalty APR can be imposed indefinitely, or until 6 consecutive " minimum payments due '' are paid, then the penalty APR reverts to the original app of 6.99 %. I feel like I've paid enough to warrant a lower rate. I don't know what else to do. Hire a lawyer? More debt? I'm just being exploited, robbed, outright stolen from. It can't be right.
Company Response:
State: AK
Zip: 999XX
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX University that gave you the right to collect this debt
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XX/XX/XXXX I received an XXXX credit montoring alert that my credit report had changed. When I checked my report It showed a new collections account from a company called Transworld systems Inc. I gave them a call at the number listed to see what the debt was. On my call they told me the debt was from XXXX, a utility company ( account # XXXX ), and that they would send me a debt verification letter which I did recieve, account # XXXX. The letter was dated XX/XX/XXXX and looks like the debt was a final electric bill from a residence I live at more than 6 years ago. When I explained to them that I never received notification of this debt from either XXXX or XXXX. The representative stated that they and XXXX mailed notices in XX/XX/XXXX to the address listed on the utility account, XXXX XXXX XXXX XXXX XXXX. It should be noted that I hadn't lived at that address for more than 3 years as the utilities billing for that address stopped on XX/XX/XXXX per the debt verification letter they mailed, which Ive included. I lived at the address for 1 year only from the date of XX/XX/XXXX-XX/XX/XXXX verified by calling the leasing company. Unfortunately they do not keep lease copies that long so I was unable to obtain a copy. I asked why they would send notice to a place they new I had moved from and they could not give me an answer. It should also be noted that mail forwarding through the USPS only lasts one year, not 3. Id also like to note that I have had the same phone number since XXXX and never received a call from XXXX or XXXX. I called XXXX and offered to pay the debt in exchange for the collections removal from my credit as the collections notice from XXXX was the only notice of the debt I was given to which the representative responded with " no. '' My issue is had I not received a credit monitoring alert I would still have no idea I had this debt in collections. I've included copies of my federal tax returns from XXXX -XX/XX/XXXX showing I did not live at the address they claim to have mailed the notice to in XX/XX/XXXX XX/XX/XXXX
Company Response:
State: IL
Zip: 62959
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of these accounts listed on my credit report. I would like to have them removed and have my credit report updated immediately.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Have several listings of debts have been paid and company refuses to remove them from my credit report which is hindering my credit rebuilding process and wont allow my credit score to increase.
Company Response:
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2019-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A