Date Received: 2019-05-01
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: XXXX XXXX and Transworld System are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. Transworld NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act. These entries from both companies should NOT be reflected at all. I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe XXXX nor do I owe Transworld. DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.
Company Response:
State: TX
Zip: 75159
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Employees from transworld systems called on the morning of XX/XX/2019, I asked them repeatedly to state their business which they refused to do and attempted to get me to identify myself. I told the employee to never call my phone again and I continue to recieve calls from transworld systems from the following phone numbers : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was informed by my credit card company my credit score changed. I checked my score snd it had dropped 90 points! A collection was posted to my credit reports I had no knowledge of. I immediately filed a dispute with XXXX XXXX and then called the collection agency ( Transworld Systems ). I told them I had no knowledge of the debt, and they had not ever contacted me. The alleged debt was from 1988 in Ohio ( Ive lived in California for over 17 years. TSI first told me to file an identity theft report with the police, I said that was ridiculous and asked for a supervisor. I filed a dispute with TSI and am totally repulsed by their slipshod, fabrications attempting to collect debt. I have no derogatory remarks on my reports for almost twenty years and will not yield to these devious tactics.
Company Response:
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On XXXX I get a bill saying I owe XXXX dollars for my Perkins loans. They are a new servicer for my university. I contacted them via phone and message asking for IDR plans. Here is what I wrote : Hello. I can not afford these payments now because I am unemployed. I live in XXXX XXXX Indiana where jobs are slim to none. Unless, I work at some fast food joint. I thought I applied for that income based repayment plan and it was explained to me that that was all I have to do and my federal loan payments will be reduced. However, I have this big bill from you. Can you please help me out? I broke my phone and don't have enough money to get a new one so can you please contact me via this portal or email? Thank you, XXXX XXXX There was no option for it and they told me it was only forbearance. All my other servicers gave me IDR plans and these are government loans so it should be available. on XXXX I received this message back : Dear XXXX, Thank you for contacting XXXX XXXX XXXX. As of today we are still finalizing with your lender what are the benefits avaible for this loan program, for the meantime may we advised you to download benefit form, in your portal, refer to benefit links< benefit forms. You may apply for Economic hardship, Unemployment deferment or General Forbearance, once complete you may send it to XXXX If we can be of further assistance, please call our office at XXXX. Sincerely, Borrower Relations XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- - I didn't want forbearance because I wanted to have payments count towards the number of years I was paying on time to have some of my student loans absolved after 10 years. I wrote them back : Wait. I'm confused, I don't want to be in forbearance. I thought income based repayment plans were like as if I was making payments but my payments are just low to XXXX dollars per month based on my income. I have XXXX income so I can not pay. Can you just enter in the IBR plan? I also just recertified it just in case that helps.I can send you my last tax documents. Can you tell me what I need to do to enter the income based repayment plan? NOT forbearance? I got the answer back : Hi XXXX XXXX, We apologize however XXXX doesn't offer income-based repayment. What we offer are Economic Hardship and Unemployment deferment which postpones payment on your loan or Forbearance which also postpones payment however interest will continue to accrue. If we can be of further assistance, please call our office at XXXX. Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX . So I called them at that number and they refused to understand and put me into an IDR. I don't need to have a doubled bill while I raise children just because interest accrues. This isn't right and no other loan servicer that I have forces these options on me. The agent spoke with a supervisor and then I was told to send the form from studentloans.gov to XXXX. All I got in return was this : Dear XXXX, Thank you for contacting XXXX XXXX XXXX. We had informed you what are the options we had for deferment. If you want to apply for an IDR or IBR, you may apply for a consolidation. Most federal loans can be consolidated into the Federal Direct program that allows for IBR. You may visit the web site https : //studentaid.ed.govXXXX. There may be loan companies that provide consolidation of private loans and offer something similar to IBR. But please take note that consolidation is not for everyone, not everyone qualifies, and consolidation can mean the loss of some benefits from the original loan program. If we can be of further assistance, please call our office at XXXX. Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX . I have no clue why they are telling me about private loans consolidation, and why I have to consolidate to apply for IDR or IBR. No other loan servicer has this issue and this company is trying to get me to do something that will ruin me even further. I need them to do this correctly and understand what they are saying. They seem to get it wrong each time I call them.
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX / XXXX XXXX XXXX XXXX said i owed this amount and it was paid in full and this was not my account as i never lived at XXXX XXXX XXXX. They sold it to transworld system inc and it is still on my credit report this account shoukd not be on my credit report as it is paid in full and not my account please delete immediately as this is not my account thank you.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Thanks for the opportunity to file a complaint. Debt collectors have contacted me for at least 20 years about a XXXX XXXX 's various debts. I am disgusted. I am sending the letter below to this company. Honestly, I fear letting these people know my real name. Why do you ask at the end of this complaint if I am the account holder or debt owner? I am neither. That is the problem. Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear debt collector, Re Transworld systems account number XXXX I am not XXXX XXXX. I have never been XXXX XXXX. It is not a derivative of my name. I have no children and do not have any relatives by that name. No one by that name has ever lived at this address. Fact. Even better, I have been a XXXX XXXX customer most of my adult life and definitely the past 26 years. XXXX XXXX knows who I am and knows that I do not owe them a dime and never have. If I owed that money at my address I would not have heat and lights and you know it. Attaching someone elses first name to my last name and address is filthy. You can threaten that unless I spend the time I have in life on someone elses debt that it then becomes a valid debt for you to pursue? Why dont you pursue the right person? But you never know right? One day, maybe soon, I will be so old and infirm that I just might pay someone elses debt and you will get a commission. Maybe I will die and someone will pay XXXX debt to settle the estate and you will get your commission. Debt collector, try harder to find the right person. Remove my contact information ( address ) from your file. Do not contact me again. If you have reported this debt to my credit file using my address, remove it. I will be filing a complaint with the federal consumer protection bureau. I am sick to death of collectors coming to me for someone elses debt. I am not signing with my name because I believe you will then update your records with it. Look up your own account number. You have the wrong person.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received notice from XXXX XXXX that a debt collection had been added to my account, thereby substantially impairing my credit. I dispute this debt ; I paid my bills regularly for the almost 20 years that I lived in Ohio. This is apparently a claim that I owe {$69.00} to a utility company, XXXX XXXX XXXX I have not been a customer of this company for almost two years, and received no written claim or verification. I want this removed from my credit account immediately. This feels like a scam created to coerce money from me by ruining my credit rating.
Company Response:
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The debt was discharged in chapter XXXX Bankruptcy in 2014. I have tried calling collection agency, phone number is not valid, I have called the client that the collection agency is collecting for, they have stated I have no account in their collection or open.
Company Response:
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a notice from XXXX on XX/XX/XXXX indicating that I have an account in collections. When I checked my XXXX report, I saw an account in collection from Transworld System Inc/94 in the amount of {$230.00}. It says the recent balance was as of XX/XX/XXXX, and it said that it was opened in XX/XX/XXXX. The accouont number is XXXX. I never received a notice of this debt and was not given my right as a consumer to dispute this debt. It has now tarnished my credit. I want this removed from my credit report and I want a notice sent to me so that I can review the debt.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2019-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2019-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A