Date Received: 2019-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i went to get some medical exams done, xrays, my insurance paid for everything but i got a bill sent anyways, i received a call from the company and i told them that my insurance covered it but they said it didnt even though i knew it did, the collection company set a derogatory mark in my credit score and now it says the debt was PAID even though i never paid for it ... ... Creditor Name TSI/XXXX Account No. XXXX Original Creditor MEDICAL Responsibility Individual Condition Paid Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Paid collection
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i have 2 errors on my credit report I paid in full the balance 's of three account 's from XXXX XXXX XXXX XXXX on three dates XX/XX/XXXX of {$140.00} and then XX/XX/XXXX of XXXX XX/XX/XXXX of {$21.00} they won't take the two remaining accounts from off my credit report and of XXXX, XXXX, XXXX
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: IambeingsuedbytransworldsystemswhohaspartneredwithXXXXXXXXXXXXtosuemethroughXXXXXXXXXXXXwhocallsmewhilewhereincourtuntilXX/XX/XXXXtomakeanunrealisticdeal.TheyalsonevercalledmeinthebeginningandinsteadcalledandauntwhoIdontevenspeakto.Also,theywantedtomakeadeal.Whatdealyousuedmeandforunjustanduntruthfulreasons.TheyalsoreportedmycredittodayandIreceivedandalertandsoIinformedthecreditbureauofexactlywhathappenedfrombeginningtoendstartingwithXXXXwhichiswhotheloansbelongedtofromacollegeIdidntfinishsincethefinancialaidofficeatXXXXuniversitymessedupandsentmyloanbackinmysenioryearleavingmewithalargedebtandnojobtopayitandIsufferfromXXXXsowhoknowswhenmynextXXXXXXXXwillbe..rightnowIpayXXXXbecausetheysetarealisticdeal.XXXXgavenoreasonableoptionssincetheywereawaretheco-signerdiedthedaytheywantedthemoneyandthensentittoXXXXXXXXXXXXwhowantedmetopaytheirfeesalongwiththefeesalreadyonmyloans..impossibleforwhatImake.Iftheyresuingmewhyaretheyharassingmeshouldntweletthejudgedetermineandorlawyers.RightnowmepayingthemalongwithpayingalloftheotherloanswouldplacemeinextremehardshipforadegreeIdidntgetbecauseofXXXXUNIVERSITY.IwillspendmyentirelifefightingthisandifIhavetoIwillforwhatwasdonetome.NotdoIsufferfromXXXXandXXXXXXXXIamnowbrokeduetoprivatestudentloanswhenIplannedoncompletingmydegreeandXXXXmessedupmyfinancialloansbeyondthedeadlineperiodandleftmewithaschoolbillthattheyfinishedpayingoffbecauseiftheyhadnotmyco-signermygrandmaatthetimebeforeherdeathcalledthemandthreatenedtosuethem.SinceXXXXuniversityhasdonetheirjobatcoveringtheirmistakeupbutmyentirefamilybaredwhitenesstoitandsincethenthesamefinancialaidofficerattheschoolwasfiredforsayingIwasfinancialclearedandacoupleofkidswerewhenwewerentintheendinXX/XX/2009its10yearslaterandIhavebeenthroughXXXX
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: After getting my XXXX and my first job as a XXXX, I started repaying back my XXXX student loan. I began to notice that the monthly payments were rising quickly because the loan was not fixed. I decided to refinance with a fixed rate with my mom as the co-signer. We were shocked to find out our refinance was denied due to my credit report. We finally were able to speak with a representative from the lender to find out more specifics of the credit report. The student loan that was taken out through my mom 's XXXX XXXX XXXX XXXX was listed as a " line of credit '' and showed up as such on my credit report. After many many calls to the original lender, processor and XXXX XXXX, we find out that indeed this is the way the students loans were packaged so that the university could draw on the account each semester. We were obviously not aware that this could adversely effect my credit. Since it is listed as a line of credit, my numbers are off even though my credit score is extremely high. This has affected my ability to refinance as well as my credit for anything else I might apply for. Effectively leaving us with no options and at the mercy of the current raising rates. No one has been able to assist us and we have received quite the run-around in trying to figure out how to proceed with no resolution.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I filed a complaint against XXXX XXXX XXXX aka Transworld Systems Inc, in XXXX for harassment and threats when they were dealing with my husband 's Military Star account. They answered the complaint and said that they received the cease and desist call request but DID NOT address the harassment or threats.They did state that the accounts listed would be placed in a manger 's queue. At the time there were 2 accounts. There has been little to no communication with them since this complaint was filed. His payments were deducted from his military retirement pay and tax garnishments. Mine were made through tax garnishments as well. Both XXXX cards are now paid in full as of XX/XX/XXXX, but I also had a XXXX XXXX XXXX card, which had been current before the garnishment, but is now included in the garnishment, without any other resolution or communication having been attempted by them. I even had to contact XXXX to handle a small remaining balance on my husband 's account that would have been left over due to the garnishment allotment being stopped by XXXX, since I could not get any assistance from TSI. XXXX wound up taking it off his account. We did start receiving bills from XXXX collection aka TSI in XXXX but due to the communication block on the part of Transworld, I was not able to make any payment arrangements on my XXXX XXXX XXXX card, in order to avoid another garnishment. I have made several attempts to talk to someone from the company over the years, with the most recent being XX/XX/XXXX, to XXXX XXXX. My calls were not returned, nor has anyone ever sent information about garnishing my current years tax return for the XXXX XXXX XXXX payment but Treasury offset has a pending collection from XXXX. I have contacted XXXX and asked them for help with this matter but they refer me to TSI.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been locked out of my account with XXXX XXXX ever since XXXX XXXX XXXX switched over from XXXX XXXX. XXXX manages the repayment for my XXXX XXXX XXXX from my XXXX studies at the University XXXX XXXX XXXX. Over the summer, XXXX transitioned to a new website and asked users to transfer over their accounts. I followed each step and registered for a new account with XXXX XXXX. I received confirmation that my account was successfully activated on XX/XX/XXXX. However, since then, I have not been able to regain access to my account. I have tried logging in with my new credentials, requesting a password reset link, and registering for a new account entirely ( as customer representatives suggested ). None of it has worked. Customer representatives have insisted that my account is inactive and that it is my responsibility to reactivate it. However, that has simply not been possible and their instructions fly in the face of the email confirming my account activation. I have been locked out for months now and unable to make my loan payments because of this faulty system. If my loans are considered delinquent or my credit has been affected, I must appeal both on the grounds that XXXX XXXX has failed to provide me access to my account despite my repeated attempts to regain access. I would like nothing more than to have access to my account and to repay my balance right away.
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX veteran with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. Consumer received no response, so a CFPB complaint was filed on XX/XX/XXXX ( XXXX ). In response to this complaint, TransWorld responded providing statements from the original account as validation. However, these statements do not address the concerns outlined in the complaint, and do not show ownership of this account by TransWorld. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notice from Transworld Systems Inc on XXXX stating that I owed a collection debt from the XXXX XXXX XXXX. I knew nothing about this outstanding violation so I verbally disputed it on XXXXI asked TSI for proof of the debt, I have had an active XXXX XXXX account for many years so I should not have received any toll violations. I did not get a response. As a side bar, I moved on XX/XX/XXXX and all of my mail was not forwarded until XX/XX/XXXX. ( I have proof ... the actual XXXX envelopes with the forwarded date ) In this forwarded mail I received the toll violation notices from the XXXX. I then tried to dispute these fees with the XXXX in XXXX but at this point they were in collection so I was told to contact TSI again. I reached out to TSI on XXXX and spoke to XXXX XXXX. She said that there was no new information regarding my dispute from 4 months ago. This is unacceptable. I paid the actual toll amount to her on the phone of {$8.00}. This collection company can not validate this debt. They are threatening to infere in the renewal of my car 's registration. I asked to speak with her supervisor and was forwarded to a voice mail for XXXX. I should not be required to pay a {$100.00} fee to this collection agency for 3 reasons - I disputed this fee immediately upon receipt of their notice and it's 4 months later and the have not responsed -I had and have an active XXXX XXXX account -I did not receive the XXXX notices in a timely matter due to my move and my mail not being forwarded by the USPS Please assist me in this matter.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the agency TSI/XXXX which whom my debt is associated with several times and have not gotten answers or have been able to pay this debt off. Below is an email that I sent to the company that bounced back as one of their employees gave me a fake email address. I have tried to speak with supervisors on several occasions and below are the times I have called. No one will let me pay off or address this debt at all. I have been contacting them now for over a month! Dear whomever this may concern, My name is XXXX XXXX XXXX. I currently have an open debt with XXXX XXXX Hospital of {$2500.00}. They have passed on this debt to your collection agency. I have tried to reach out to your establishment on multiple occasions and have not gotten the answers or assistance I needed. I first contacted your company three weeks ago on XX/XX/XXXX. On this day I spoke to a man about settling my debt at {$1800.00}. He told me he needed to confirm with the hospital and for me to contact him again the following week. I then tried to contact him again, and no one answered my call. A week ago I called to follow up again and the people I spoke with told me absolutely nothing about settling this debt. They told me they had not heard back from the hospital. I find it very hard to believe that the hospital has not gotten back to them in three weeks. I even offered two staff members to pay {$1000.00} and be done with this. One staff member even laughed at the situation when I was trying to express my concerns. I demand to have my questions addressed and have this resolved. I am on the west coast so taking time out of my day to call your company that only has EST hours is very difficult. I would AGAIN like to settle this debt immediately and can pay {$1000.00} at your earliest convenience. I can be contacted via phone at XXXX between XXXX EST. Please have a MANAGER contact me tomorrow XX/XX/2019. This is my fourth attempt at trying to pay this debt. Thank you for your time and assistance on this. Regards, XXXX XXXX
Company Response:
State: AK
Zip: 99502
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was paid and the company told me that they would remove from my credit report and they lied to me I am very disappointed the way that company lied to me in order to get their money very deceiving company
Company Response:
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A