Date Received: 2019-05-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My Power has been disconnected since XX/XX/XXXX and I owed a balance of {$1600.00}. I have been displaced from my home since then. I have a XXXX XXXX on my account with XXXX since XXXX. That is a provision set up for people who use life saving breathing apparatuses that run on electricity. The rent is still being paid at my home, even though my children are sleeping on the floor at their sister 's house in XXXX, XXXX & I am at a friends in XXXX. I went to get assistance from XXXX County on XX/XX/XXXX to restore services as I had to wait for a full calendar year to pass since the last date of assistance. I have black mold in my home and I am trying to move. I have filed a lawsuit against my current landlord for damages that occurred since XXXX, XXXX from the mold. With that, the agency is willing to pay the {$1600.00} so that I may move out and get my kids back home. Due to the nature of the housing program I am in, I can not be provided with documentation to move out until my Power is restored. XXXX added a balance that they claim I owed from XXXX to bring the total amount owed for the restoration of service to {$6900.00} and some change. Which renders the agency in the county incapable of helping me restore my service. I called them on XX/XX/XXXX to ask them why my balance had increased 434 %, the rep. in the credit department wouldn't tell me why my balance went up, he made me call the collection agency that they forwarded my account to which is XXXX, in XXXX, VA. Their rep. XXXX XXXX reviewed my account and could not find any information or invoicing connected to that balance. She advised that I had two accounts and two balances in XXXX 's system. She could see where they added the balance in XXXX and then stated that she believed they were double charging me and advised that I call back and ask for more information on the {$5000.00} balance. She did so on a recorded line, so there is proof of her statement. She told me to call XXXX. I called back to the credit department at XXXX, I spoke to Mr. XXXX, he looked up my account and told me that the balance was from an old address in XXXX. He could not find any further information on the balance, as there is no supporting information. Essentially, they have no records in regard to the balance, only that it appears unpaid. My issue is that I apply with the Office of Energy Assistance just about every year as I am pretty poor. In that, they offer what is called an arrearage payment every 7 years as that is how the arrearage payments work. I applied for that arrearage back then, which made me have to wait until 7 years passed to get it again. I also received that arrearage last year..which is around 7 years later. My contention is that they DID indeed receive that payment, but kept poor records surrounding my account. I asked Mr. XXXX do they typically allow someone to move and start an entirely new account with such a balance, as I explained that it had in fact been taken care of. before I received a new account. While he stated that it is not unheard of to still allow an account to be opened, it's atypical to see it done when a customer has such a large balance. I explained to him that in my opinion, that is poor business practice. I spoke to my ex-husband about it and he said they did the same thing to him and then disconnected his service for an old account they found and made him pay to restore service. He was pretty upset that XXXX is allowed to basically run an audit and tack a balance on someones account so many years later and force them to pay to have power. You can not live in this tri-state area and not have XXXX as your power company unless you live in XXXX. So essentially, my ability to live and thrive as well as my kids is being held ransom for a 7-year-old ghost balance that they have no information on. From what I understand, any debt on your credit report must be removed after 7 years how is this a legal practice for XXXX. It seems that they know that 7 years have passed and if I am such a bad customer per their words, why not make me pay in XXXX when they gave me a new account? Why wait until now? Why allow someone who owes you {$5000.00} to open another account in the same company? I want the balance removed, so that I may pay the {$1600.00} and go home. My children have been sleeping on the floor at their sisters for almost a year now to due us not having power & not being able to move from the mold. As soon as I get some help, they add a HUGE balance because they know I have to have power to live here, so someone will pay it. I also want it removed from my credit report as they appear to have no data on that account number to even know if it has been paid or not. Thank you for hearing my story.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
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: I have made this dispute with XXXX on several occasion. This last occasion I submitted indisputable proof. Every 30 business days or so since the start of the new year I have disputed 3 accounts with XXXX all three are with the same company for medical bills. The debt collection agency is TSI/ XXXX also known as Transworld Systems and the account numbers are as follows XXXX, XXXX, & XXXX. My last dispute on XX/XX/2019 which was received on XX/XX/2019 by XXXX and was verified by a Manager at XXXX by the name of XXXX employee number XXXX, this dispute letter simply addressed the fact that the account was showing as a charge off and also was showing a past due balance which it can not show a past due if the account is charged off. It also didnt show a DOS or DOLA date, further violating my consumer rights. The open date was also showing an incorrect date for the account and with all of these things I asked them to delete the misreported account from my credit file. I also sent in a copy of checks that I wrote to the collection agency and the stipulation of cashing those checks which was to remove the accounts from my credit report and consider them paid and satisfied. They cashed those checks and did not have those files removed, they did not even update the payments that I sent back in XXXX or try to deduct that from the balances shown after they cashed the checks. The information has been updated every month for the same amount as before they cashed each check. I called XXXX on XX/XX/2019 I spoke with two agents explaining all this and they refused to help me so I asked for a supervisor I got XXXX employee number XXXX who also refused to help me after 30 minutes of being on the phone so I asked to speak to a manager. Thats when I spoke to XXXX employee number XXXX and I asked him what the course of action is when a customer disputes an account for accuracy and provides proof what does the investigation by XXXX intel? His response like all the other XXXX robot agents is that they only initiate the investigation they dont report information or change it, so they present what the consumer says to the agency that has reported the item and then whatever the response is by that company they go with that and close the dispute. I explained how that was a clear violation of my rights given the proof I had presented, plus that fact that they didnt even update the amounts of the checks they cashed to reflect on the balance. XXXX and XXXX ruled in my favor so how is it given the same information XXXX just goes with whatever Transworld/TSI has to say when I clearly proved them to be reporting false information. After and hour and ten minutes on the phone getting nowhere, the conversation ended with the manager blatantly telling me that they will not change anything until TSI updates the information and that TSI doesnt have to prove any of what they are reporting. Its baffling to me that XXXX even opens a dispute at all given that they dont investigate. Something needs to be done.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of XXXX, I was reviewing my credit report when I noticed a collection account was added. It was for {$90.00} from Transworld Systems collecting for XXXX XXXX Hospital. I was surprised because I didn't even know that I owed any money. In XXXX of XXXX I was taken to XXXX XXXX Hospital by ambulance because of XXXX. I tried to refuse medical service but the police and paramedics insisted that I be taken to the hospital. Once I arrived to hospital, I again refused service and I left on my own. I did not have medical insurance and I did not want to incur any medical bills. I never gave XXXX XXXX Hospital my name or any of my information, nor did I ever receive a bill from them. I also never received a bill from Transworld Systems. I had no idea I owed any money and because I refused medical service, I did not expect to owe any money. On XX/XX/XXXX, shortly after I became aware of the debt on my credit report, I called Transworld Systems to resolve the debt. I explained to the customer service agent that I never received a bill and wasn't aware that I owed anything. I told her that I could make the payment but I asked that the collection account be removed from my report. She said that it would not be removed but only updated to show that it was paid. The customer service agent told me that bill had be sent to XXXX XXXX XXXX XXXX, XXXX, IL. Which is my old address. I've come the conclusion that XXXX Hospital must have gotten my information from the police officer or the police report. My ID at the time was outdated and did not have my current address. Again, I did not give XXXX Hospital any information, so my best assumption is they obtained the wrong information from my outdated ID. I told the customer service agent that I did not think it was fair that I should have a negative mark for a debt that I was completely unaware of. She again told me the best should could do was update it as paid and suggested that I contact a credit specialist. I wasn't satisfied with that resolution so I ended the call and did not make the payment. I later decided my best action would be to make the payment and file a complaint with the cfpb. On XX/XX/XXXX I made the full payment of {$90.00} to Transworld Systems.
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently graduated from graduate school in XX/XX/XXXX, at which point a number of student loans I am holding ( from XXXX expenses ) went from being in deferral to being in their 6 month 'grace period '. After learning that my private student loan debt was being serviced by a company called " University XXXX XXXX '' ( XXXX ), I set up an account with the company to see what I owed. What I found was that XXXX listed two loans in my name, XXXX of which was familiar to me ( and which I have since refinanced with another lender ), and another that was not. Specifically, this second loan that I did not recognize was listed as being held by the XXXX XXXX " XXXX XXXX XXXX '' XXXX XXXX ), which has ( to this day ) not showed up in any of my credit reports. After searching the internet, there is no website or contact information available in connection to this lender. Some of the only relevant information I could find about this lender was that their loans were bought in XXXX by another lender " XXXX '' in connection with a foreclosure sale. I have a document from XXXX stating this ( attached XXXX. I have also contacted XXXX and they assured me that they did not own this loan ( however, they did own my other loan serviced by XXXX, which I have since refinanced with another lender ). At this point, I contacted XXXX for clarification regarding the details of this loan and to express my concern regarding its potential validity. UAS responded via email that " Some loans from EEF were purchased by XXXX but not all ''. I contacted XXXX again shortly after to request contact details for the lender. I was told that contact details were not available for EEF and that I should instead direct all inquiries to UAS. Strangely, after some prodding, a representative at XXXX gave me a phone number for XXXX, which when I called it someone answered and confusedly said I had the wrong number. On XX/XX/XXXX, I called XXXX again to request a copy of the Master Promissory Note ( MPN ) for this loan, as well as any other kind of documentation proving its validity. Also, on XX/XX/XXXX, I mailed a signed, formal request for the MPN for this loan to XXXX ( attached ), which I can verify via tracking ( receipt attached ) was delivered to XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX has still not provided a copy of the MPN or any other documentation establishing debt verification to me for this loan. The loan is now entering delinquency, and I don't feel comfortable making any payments without any evidence that the debt is indeed valid. I have expressed this to XXXX and requested that repayment be halted until proper documentation is provided, but XXXX has continued to threaten me with late fees, collection agencies, and negative credit reportings if I do not pay soon.
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received letters regarding a collection account from Transworld Systems. I have consistently requested copies of any and all paperwork with my signature attached with an ID. I have received very nonchalant letters from Transworld stating that I owe {$1000.00}. I have contacted the original creditor which is XXXX XXXX XXXX. They have no knowledge of this account.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Several phone calls were made to the collection agency as well my insurance company. On XX/XX/2014 the sum total of {$560.00} was billed to me after attending the ER. I have insurance coverage for that, but yet I was billed for the service.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I sent a certified letter to the 3 credit bureaus with regards to TransWorld System Inc. My specific complaint was the re-aging of the account. The original creditor is XXXX ( XXXX XXXX XXXX ), they are the local electric company. This debt has been paid. Neither the collection agency nor the utility company dispute this fact. I contacted XXXX and was told the original date of delinquency dated back to XX/XX/XXXX. I explained to XXXX that the creditor was still reporting this file beyond the 7 year statue of limitations. XXXX instructed me to contact Tranword System. I contacted Transworld system and was told to challenge the inaccuracy on the report. I explained to Transworld I had already done so. Transworld sent me a copy of the last bill XXXX billed me for, dated XX/XX/XXXX. I explained to the Transworls agent, and several supervisors, that XX/XX/XXXX was the LAST date of delinquency and not the first. I was then instructed to call XXXX to get proof. I called XXXX and spoke with several layers of supervisors. I explained that Transworld was reporting an incorrect date. They said to talk to Transworld. I asked XXXX to please send me copies of all my statements as proof that the original date of delinquency occurred in XX/XX/XXXX. XXXX agrees with my date. However, I was told that XXXX did a computer update XX/XX/XXXX. I was told my request was impossible as all statements of charged off account prior to XX/XX/XXXX have been permanently purged. I'm stuck in a vicious circle of the original creditor and the collection agency both pointing the finger at XXXX another. It is my understanding that the collection agency must verify this information. Transworld does not seem to want to take the time to understand my specific complaint. It appears all I get are computer generated templates. Sending me a copy of the last bill XXXX has ever sent me is terrific. It's not what the complaint is. The complaint is SPECIFICALLY the date of first delinquency of XX/XX/XXXX. Can you please help me resolve this and if needed can you guide me on how to sue this collection agency. Thank you.
Company Response:
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX and XXXX I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2019-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: my daughter took out loans to pay bills while attending XXXX achool. 3xXXXX. i co signed. i with the assistance of an attorney have requested an agreement for a payoff since XXXX XXXX. i am still waiting for a response. my daughter has been making payments since she completed her XXXX and got a full time job. do i have any recourse? i am presently writing up a request for release. are there time requirements for a response? i am frustrated with their lack of response. thank you for any assistance
Company Response:
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Starting back in XX/XX/XXXX, I got in contact with a company called XXXX XXXX XXXX ( XXXX ) XXXX, which is a debt consolidation company. They were going to consolidate my debt which was only through XXXX XXXX originally. The agreement would be that I would make one payment to XXXX and they would disperse to each of the five loans for a fee of {$50.00}. That is when the harassment began. I was sent a harassment letter stating that they were going to sue me and garnish my wages. They were contacting my employer between XX/XX/XXXX and XX/XX/XXXX. According to the Fair debt collection practices act, they can not threaten to sue or call your employer after you inform them to not contact employer. ( 806 Harassment or Abuse of the Fair and Accurate Transaction Act ) Part of 2 on XX/XX/XXXX,. They sent a sheriff to my residence to send me a return of service of summons. They said on the paper it was XXXX XXXX but it was in the late evening because we were at work during the morning hours. XXXX abused the legal system when I was paying a larger amount that took full advantage of the situation. Which has caused me to have XXXX, XXXX XXXX which it was unnessary when I making payments and they never should have take this far. I had requested documents when girlfriend called that day which was XXXX. ( XXXX XXXX phone detail on account XXXX ) My loan ( promissory Note ) I originally signed was with XXXX XXXX for all five of my student loans. In XX/XX/XXXX, XXXX XXXX XXXX Merged with XXXX based XXXX XXXX XXXX. These two large banking companies completed the acquisition of XXXX XXXX in quarter three of XX/XX/XXXX. This is when my student loans were sold to XXXX XXXX XXXX XXXX XXXX, which is a debt collector out of Delaware as a trust, not a lender. They bought or sold to multiple private student loans for the purpose of hedging. ( XXXX ( XXXX ) XXXX. Statute of limitations is another thing that was brought to my attention. I had multiple loans that were taken out between XX/XX/XXXX and XX/XX/XXXX and payments were never made, because I never signed an agreement with XXXX. According to the laws in Ohio, no debt collector can take legal action after six years ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ) Chapter XXXX : INTEREST XXXX Maximum rate of interest. ( A ) The parties to a bond, bill, promissory note, or other instrument of writing for the forbearance or payment of money at any future time, may stipulate therein for the payment of interest upon the amount thereof at any rate not exceeding eight per cent per annum payable annually, except as authorized in division ( B ) of this section. http : //codes.ohio.gov/XXXX Ohio Usury Laws Ohio has established a usury cap on personal loans in that state at 21 %. This usury cap applies to personal loans that are made in Ohio and involve an individual that is borrowing the money in question. In Ohio, if a personal loan agreement that contains an interest rate above the 21 % level is brought before a court in that state, the agreement will be declared illegal. The net effect of such a judicial declaration is that the loan agreement will be voided. Once voided by the court, it no longer is enforceable. In other words, the borrower will no longer be obliged to make payments pursuant to the loan agreement. The borrower is off the proverbial hook. XXXX XXXX XXXX ( Assignment ) When XXXX XXXX XXXX buys the loans, they then transfer them to subsidiaries such as XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. ( There are several trusts ) For each year from XX/XX/XXXX-XX/XX/XXXX, the transfer from the original lender to XXXX XXXX XXXX is done through what is called an assignment, which they would not produce for me, but would prove that they are the current owners of the loan. Not accurately reporting my payments to each of the three credit bureaus ( XXXX, XXXX, XXXX ) when I filed a dispute about XXXX XXXX XXXX XXXX XXXX, they had 30 days to prove that I didnt make payments. In about 45 days, I received letters that all three bureaus removed them from my report failing to disprove my dispute. ( copies of each report attached ) violating the Fair and Accurate Credit Transaction Act. Breech of Contract. FromXX/XX/XXXX, through XX/XX/XXXX, I had made payments promptly and never late. ( Statements from XXXX verifying attached ). XXXX, XXXX XXXX XXXX, the law firm representing XXXX, started requesting that my wages be garnished. So that is when I got a local lawyer involved, XXXX XXXX, to negotiate the terms and stop garnishments. The agreement was that I pay {$120.00} per loan for five loans. This was agreed to by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX attorney on XX/XX/XXXX. On XX/XX/XXXX, they filed again for garnishment when I was making payments on time. I then decided to fight back and went to court on XX/XX/XXXX, and explained that I havent missed any payments and that I was doing everything in my power and proved payment history. Judge XXXX said that we had to negotiate terms within 10 days and get back to the courts. On the last day, XXXX XXXX, attorney with XXXX, XXXX XXXX XXXX called to negotiate terms. He admitted that the reason for garnishment was because the payments were not being applied accurately on their part, which went against the agreement. During the negotiation for payments on the phone, I said that I would pay you XXXX, and what is your counter. He refused to negotiate which put him in contempt of court. The judge called him with no response. This was confirmed by XXXX XXXX, collection supervisor XX/XX/XXXX @ XXXX. This is the breakdown of the servicers/owners and the inaccurate charges on the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( owner ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX now renamed Transword System Incorp XX/XX/XXXX ( servicers ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$26000.00} {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$4000.00} {$370.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$15000.00} {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$8000.00} {$8000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$18000.00} {$2100.00} LOAN # INTEREST RATE % $ AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAID OFF XX/XX/XXXX XXXX Defamation of character which was public by filing garnishment with the course when I was making payments every month, by publishing records in the XXXX XXXX under the Court News. When I talked to XXXX, a representative at the XXXX County Clerk of Courts, she said that they wouldnt publish it because its not a criminal offense. XXXX, XXXX XXXX XXXX has accounts with the XXXX XXXX and publish records to scare people. Verified that accounts with XXXX XXXX with XXXX XXXX and XXXX in Advertising-XXXX ( XXXX XXXX ) References & Contacts Consumer Response Center XXXX XXXX Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington DC XXXX XXXX XXXX XXXX ( XXXX ) and XXXX Michigan XXXX : XXXX XXXX ; phone XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX XXXX XXXX ( XXXX County Judge Secretary ) XXXX http : //www.ohioattorneygeneral.gov/XXXX XXXX " http : //www.ohioattorneygeneral.gov/XXXX '' debt-collectionFAQs 1345.02 unfair or deceptive Acts or practices http : //www.ohioattorneygeneral.gov/XXXX XXXX " http : //www.ohioattorneygeneral.gov/XXXX '' ag/contacts Bill HR XXXX XXXX XXXX, XXXX XXXX ( Borrowing statute ) Private student loan bankruptcy fairness act ( HR532 ) www.consumerfinance.gov/complaint XXXX ; Consumer Financial Protection Bureau Ohio Attorney General XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, OH XXXX Ohio State Bar Association XXXX XXXX XXXX XXXX XXXX Rep XXXX XXXX District XXXX ; phone XXXX ; fax XXXX XXXX XXXX XXXX District XXXX ; Phone XXXX ; fax XXXX /XXXX XXXX option 2 Bankruptcy Abuse Prevention and Consumer Protection Act or 2005 ( undue hardship test for student loans ) the XXXX Test, the totality of the circumstances XXXX Transworld System Incorp XXXX Test Supervisor XXXX/XXXX XXXX XXXX Court Case # XXXX ; Judge XXXX XXXX XXXX ; Attorney XXXX XXXX XXXX XXXX XXXX Garnishment XXXX XXXX
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A