Date Received: 2019-02-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hi, This question is regarding the lawsuit that the CFPB made against XXXX XXXX XXXX in XX/XX/2017. I had many default judgments with them and have been paying a company out of Utah called XXXX XXXX for the wage garnishments. I had asked them why they are taking payments with this lawsuit because I thought they were not allowed to pursue judgments while this is being investigated. I was told I had to pay anyway. I believe that these garnishments were all made after the statute of limitations in the state of Utah. I am so strapped paying them and my federal loans that I cant afford a lawyer. I believe that they have been taking my payments when they shouldn't be. Can someone let me know whether they can legally continue to take my money at this time? I had no idea of my rights when this went to court and no one at XXXX XXXX or XXXX XXXX XXXX will answer my questions regarding this lawsuit. I would appreciate any information that would shed light on my predicament or even what direction I'm legally able to take to get this taken care of. I would be so appreciative of any information you could grant me. I am barely surviving trying to keep afloat with the ridiculous payment they are forcing me to pay to avoid garnishing my wages and bank levies. I can be reached at XXXX or are ( XXXX ) XXXX. Thanks so much for your time. Sincerely, XXXX XXXX
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified by Transworld Sys Inc. of their account # XXXX of a debt claimed by XXXX XXXX XXXX for {$760.00}. I have not received any invoice from XXXX XXXX XXXX, and I have requested one several times from Transworld System showing any charge without anyone sending an invoice. There is no proof or basis given for the charges. In addition, medical services will mean that I get a notice from Medicare on what Medicare was charged, permitted, and paid. Medicare will show what I owe. I have not received any information from Medicare regarding XXXX XXXX.
Company Response:
State: VA
Zip: 24541
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from TRANSWORLD SYSTEMS in XXXX of 2017 in the amount of {$910.00}. First and foremost, I have confirmed that the debt collector, TRANSWORLD SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, TRANSWORLD SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to TRANSWORLD SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet TRANSWORLD SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$910.00}.
Company Response:
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: First and foremost, the account in question was paid the minute i signed the promissory note, which is treated the same as cash. This third party interloper is trying to make me repay the loan when I funded the loan myself with my signature, when the note is now matured after 9 months and is now the banks security. The promissory note before the 9 months is a valuable negotiable instrument. They are using the United States Postal service to collect and alleged debt. 18 USC Section 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than five years, or both. If the violation affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. Here are some questions that will explain my position and I want them answer fully by the third party interloper : 1 : When I signed a promissory note, which account did the money come from? 2 : Was the money taken from an I.R.A., savings account, investment account, checking account, or any other type of account? 3 : Was the promissory note deposited into an account in the name of the bank? 4 : Was a check written backed by the fu nds in the amount of the promissory note? 5 : Did the promissory note back the demand for payment issued by the bank? 6 : Does the bank understand what the term check kiting means? 7 : Did the bank present a loan agreement after the promissory note was signed? 8 : Does a banking institution have the ability to deposit an I owe you, and write a demand for payment from the account where the I owe you was deposited? 9 : When a loan agreement is signed by anyone, is the bank presenting itself as a creditor, and is the signee considered a debtor before or after the promissory note is signed? 10 : If the bank is a creditor, and the signee is a debtor, did the bank have the money borrowed before or after the promissory note was signed? There is no contract between me and the third party debt collector. They stole and copied my original wet ink signature off of my original promissory note and created two new account numbers while trying to extort money out of me to repay ( pay again ) an alleged debt. Again the loan was paid in full when I signed the promissory note which is the same as cash. WHY I SHOULD NEVER PAY A COLLECTION AGENCY? First of all, they are not the original creditors. They are second and third party creditors. When they buy debt from the original creditor, they are usually buying a " screenshot '' or paper. What this means, is they purchase a portfolio of accounts and they have the option to purchase copies of all the documentation with the file. This documentation does not come free, and can triple or quadruple the price of the portfolio. Collection agencies almost never purchase full documentation, so they are unable to provide legitimate validation. Third, they are buying accounts as a form of investment. If a debt is charged off by the original creditor, which means it has been removed from their balance sheet as uncollectible from the borrower. It must be validated according to the FDCPA should it come back in some other type of collection. That means a collection agency working for the original creditor or third party that purchased the account. Remember, there are times that a debt is used as a tax loss by a creditor. This means it can not be collected at a later time as the collector would then obtain UNJUST ENRICHMENT.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Attempts to collect a debt not owed.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir/Madam, I was sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XX/XX/XXXX. The entity claimed they owned my private student loans. However, they did not have the proper documentation to prove this. In XX/XX/XXXX, XXXX decided to dismiss the case against me with prejudice and drafted a Release and Settlement agreement. XXXX refused to accept my redlined changes and the document was never executed. XXXX District Court ended up disposing of the case for statistical purposes which means in other words the case was dropped. As a result of XXXX meritless claims my credit score has been negatively affected. I am unable to get a loan for much needed home repairs as I had a basement flooding recently. I know that it is a violation of CFPB policy for an entity to submit false information to the credit bureaus in order to collect. In XX/XX/XXXX, CFPB have filed a consent order against XXXX and Transworld Systems ( TSI ) and this was one of the reasons. I know I can not be the only individual who has filed a complaint against XXXX in this regard. Please have XXXX remove all negative collections, trade lines and amounts from my credit report. They have no right to continue to impact my credit score when they have no legal standing. I have filed complaints with the Credit Bureaus but they are unable to conduct a proper investigation. CFPB needs to intervene and request that XXXX and TSI remove all trade lines, negative collection amounts from my credit report immediately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have call from XX/XX/2019 and XX/XX/2019 that were made by transworld system Inc trying to collect a debt that is not for me but for the previous owner of my phone number. I have told them that he doesnt own this phone number any more but they are still calling me.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: requested validation on basis of violation through cfbp and on XX/XX/, 2019 received packet that contained someone else information and accounts. Therefore I'm positive my confidential information was sent to someone else. My initial complaint Detailed and implied my concerns of HIPPA violation. To send wrong information and someone else at that is the icing on the cake. The 30 day window has passed for validation.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A