Date Received: 2019-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: this is my old complaint from XX/XX/XXXXOUR COMPLAINT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Unlawful Debt Collection Practices and Harassment To Whom It May Concern, I am writing to you in your capacity as State Attorney General to make you aware of unscrupulous and unlawful debt collection practices by XXXX XXXX XXXX XXXX XXXX and subsequent illegal harassment through its agencies XX/XX/XXXX, XXXX & XXXX, XXXX within the State of Ohio. I am sure if these events that are happening to me, they are also happening to hundreds of other individuals who owe student loans. It is a travesty of justice and needs to be stopped. On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX ( XXXX ) XXXX, which is a Debt Consolidation Company to consolidate my student loan debt which was owed to XXXX XXXX XXXX XXXX XXXX. This was supposed to help make it manageable for me to pay. The consolidation was to be handled through XXXX XXXX and the agreement was for one payment to XXXX and they would be disperse to each of the five loans for a fee of {$50.00}. As soon as I started paying, XXXX started harassing me for payment. 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 ) On or about XX/XX/XXXX, at approximately XXXX XXXX a sheriff to my residence to provide me a return of service of summons. This is past the time allowed by law to serve papers. In the Court records the sheriff wrote that he served the paper at XXXX XXXX but this was an inaccurate statement as I work the third shift and was not home at that time and I have proof taken on my XXXX XXXX phone ( detail on account XXXX ) that my girlfriend took, as she was home when the papers were served. From XX/XX/XXXX, through XX/XX/XXXX, I made payments promptly and was never late. ( Statements from XXXX verifying attached ). XXXX, XXXX XXXX XXXX, the law firm representing XXXX XXXX XXXX ( XXXX ), started requesting that my wages be garnished. I was forced to obtain legal counsel ( Mr. XXXX XXXX ), to negotiate the terms and stop garnishments, even though I was never late making payments to XXXX. An agreement was reached on XX/XX/XXXX through the attorneys, and we agreed that I would pay {$120.00} per loan for five loans, or {$600.00} per month. On XX/XX/XXXX, they filed again for garnishment while I was making payments on time. The first payment under this new agreement was due on XX/XX/XXXX. Despite knowledge of the due date, XXXX, XXXX XXXX XXXX executed a wage garnishment on Plaintiff on XX/XX/XXXX, in violation of the spirit of the payment agreement. I had to go to Court to stop this illegal garnishment of my wages. On my Court date of XX/XX/XXXX, I explained to Judge XXXX that I had not missed any payments and that I was doing everything in my power to pay and could prove my 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 stated what I would pay and asked what his counter would be. Mr. XXXX refused to negotiate with me even knowing he was in the wrong and this now put him in contempt of court. The judge called the law firm to speak with him and he received no response. I have listed the following abuses I have suffered from the illegal ATTACHMENTS Y : XXXX XXXX ( XXXX KB ) Y : XXXX XXXX ( 2.4 MB ) Y : XXXX XXXX XXXX XXXX XXXX ( 2.6 MB ) Y : XXXX XXXX ( 101.9 KB ) Y : XXXX Release.pdf ( 107.9 KB ) Y : XXXX XXXX XXXX ( 936.3 KB ) Y : XXXX & XXXX XXXX 12.2 MB ) Y : XXXX XX/XX/XXXX [ 1 ] .pdf ( 203.4 KB ) Y : XXXX & XXXX XXXX 12.2 MB ) Y : XXXX XXXX XXXX ( 443.9 KB ) Y : XXXX XXXX ( 77.2 KB ) View full complaint
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I initially took out two loans from a XXXX XXXX through the website " XXXX '' in XXXX. During the recession, the bank closed down and I was unable to find the servicer to pay the debt. Then, 3-4 years ago I received letters out of the blue from a company called " XXXX '' indicating that my debt had ballooned over 200 %, and charging frankly usurious rates ( 11 % +, variable ). While I began paying knowing that I did indeed take out loans, I recently read about companies ( including specifically XXXX ) requesting payments for debts that they do not actually own. I have since requested actual documentation on the loan ( including the original Master Promissory Notes and records of debt transfer ) in order to refinance. They have repeatedly ignored my requests, and at this stage are no longer responding to my requests. I would like this documentation to prove that the debt is indeed mine, and that I am not paying some random company for no reason.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2019 I was checking my credit report on XXXX XXXX, and there is an account in collections on there. I check the account because I was unaware that I owed this alleged debt. I have never received any written communications nor telephone calls from this company.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I checked my credit score for the first time in XX/XX/XXXXafter accepting a seat in a graduate program. I was absolutely shocked to see that I had 9 late payments on my XXXX Loan, as I had received no notices that this bill was not being paid along with the rest of my loans each month. I called XXXX XXXX XXXXs on XX/XX/XXXX and they informed me the only way to clear my credit score of the default and late payments was to get the loan cancelled through a qualifying job. They also gave me access to my account so I could see my bill for the first time. Finally, they told me if I met the requirements for loan cancellation, all negative marks on my credit score would be erased. At the time, I was nearing my one-year anniversary working as a full-time XXXX XXXX. Multiple UAS representatives told me this position qualified for cancellation of my loan payment and erasure of both the default and the late notices on my credit score. I mailed the cancellation paperwork detailing a year of full-time XXXX XXXX employment on XX/XX/XXXX. The 9 month grace period on the XXXX Loan lasted from XX/XX/XXXX ( graduation ) through XX/XX/XXXX, and my cancellation was granted from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, I called to confirm my paperwork had been received. I was told to wait a little longer for processing. I was also reassured that once the cancellation paperwork was received, the default and all late payments would be cleared from my credit history. On XX/XX/XXXX there had been no changes to my account. I called and the representative told me the corrections had been processed, that the late notices would be cleared, and that I should wait until the beginning of the month to see the changes. On XX/XX/XXXX, I called again. I was told to wait until the beginning of XXXX to see the changes. When I told them those were my instructions from the previous month, the representative told me he would contact the account specialist. He also confirmed my credit history would be completely cleared. On XX/XX/XXXX, I called to follow up and was asked to send screenshots of my credit report. I did this while on the phone with the representative and she told me they had made an error, that she would follow up with the account specialist, and that the late charges would be cleared. ( The default was cleared at some point before this, but the 9 late notices are still damaging my score. ) She promised to call me the following day and asked me to follow up if I hadn't heard from her. I called again XX/XX/XXXX after the previous representative did not contact me, and was told by a different representative that my credit score had already been cleared and to wait for the beginning of XXXX. After I explained how many times I'd heard these same instructions, she told me she'd email the account specialist. On XX/XX/XXXX, my account still was not cleared. I emailed to follow up and emailed again on XX/XX/XXXX. On XX/XX/XXXX, I received a response that my account would be updated at the beginning of XXXX. On XX/XX/XXXX, I was told to contact XXXX XXXX. I did so and on XX/XX/XXXX, the XXXX representative responded : " I requested the negative history from 2/XX/XX/XXXX-XX/XX/XXXX to be deleted and 'deferred loan ' used for the same time period. Please allow 10 days for the AUD to update. '' On XX/XX/XXXX, I receive a credit score alert that 2 late payments had been removed, bringing the total late notices down to 7. On Friday, XX/XX/XXXX, my history again showed 9 late payments. The XXXX representative sent an urgent email to UAS billing service and requested another credit update. Since then, I have not heard from XXXX despite 2 follow-up emails on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I called and spoke to a supervisor, who discovered a technological error that prevented my credit score from being cleared. He gave me his word this would be fixed immediately and forwarded the issue to the UAS tech department for resolution. On XX/XX/XXXX, I called to confirm the supervisor had done what he promised. That supervisor said the cleared credit history was being submitted to the credit bureaus that afternoon. On XX/XX/XXXX, I'd seen no change to my credit score, so I called and was told the correct information had been submitted XX/XX/XXXX. This was clearly not true, so I called back and was told to wait for the beginning of the next month. I then spoke to the manager, who said the correct credit score was submitted XX/XX/XXXX and to wait 24-48 hours for an email. On XX/XX/XXXX, I'd heard nothing and called to inform her that UAS is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for false credit reporting. As of today ( XX/XX/XXXX ), I still have heard nothing from UAS and my credit history is unchanged.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received what I believe to be a fraudulent debt collection letter for a debt I never owed or have not been contacted previously. I believe it is a scam. I did not try to contact the company because i did not wan them to even know I was interested. I have attached a copy of the letter. My address is even wrong on the letter. It is a 5 digit house number not a 4 digit.
Company Response:
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was reported to Transworld system Inc in the amount of {$300.00}. Debt was paid in full however collection agency fails to report to credit bureau to have collection to be removed
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently noticed a collection account listed on my credit reports from Transworld for {$310.00}. I am not aware of where this collection came from and I am requesting debt validation. Please provide copies of a signed contract and copies of billing transactions to validate this debt
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed a collection on my credit report for a hospital bill that I never remembered receiving treatment it says from XX/XX/2014. I disputed this with the credit bureaus and they stated that it was my account and verified. Then they sent me a letter saying a bunch of medical procedures and drugs that the hospital gave me as well as an itemization of everything I allegedly had that was treated for. Noted, there are XXXX family members that have the same name as mine only difference is our middle initial. I never received ANYTHING from this company prior at my mailing address. I believe rights were also violated per HIPPA since they listed medications, and what the charges were. This debt has never been proven to be mine but any 3rd party collection shouldn't be sending me an alleged bill stating that I take XXXX which is a narcotic. I'm embarrassed that there is a document with my name on it with all these services and medications listed. I am seeking a lawyer to remedy the legal aspect.
Company Response:
State: GA
Zip: 31548
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Transunion is the only Bureau to fix this, XXXX and XXXX are unable to. I had a XXXX account from XX/XX/XXXX to XX/XX/XXXX, this was closed due to divorce and foreclosure. Since XX/XX/XXXX my debt has been sold twice and re-aged both times. The Current holder is Transworld Systems Inc located in XXXX XXXX, PA. They have my account listed as OPENED in XX/XX/XXXX. This is an illegal reporting under FCRA but with all of my complaints TSI said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying off my loan with XXXX XXXX XXXX consistently for year with no problem. Starting this year I updated my bank account information and all of a sudden all my payments have been failing. I have tried paying to my loan 6 times and they keep failing the payment. I have re-updated the correct bank account information multiple times and they still fail to accept the payment. I contacted my bank, who checked their system and they found 0 record of XXXX every trying to take the payment. I have confirmed the bank accepts ACH ( I have multiple other loans paying from the same bank account with NO problems ). The customer service with XXXX is HORRIBLE. I have called and e-mailed numerous times and I get some person outside the United States who knows nothing and they all come up with a new excuse and never actually help. I have gotten no return contact from someone who will actually fix this. Now they have started going after my credit for their error! I can not get anyone to help and all I want to do is pay my loan and restore my credit history, which should show 100 % payments and no derogatory marks. I am trying everything I can and this is all the fault of XXXX and their failed system.
Company Response:
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A