Date Received: 2018-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TSI has been calling me for collections regarding an Auto Insurance Policy with XXXX of Michigan from 2012. I explained that this is not possible and that the policy would have been under my husband who has gone thru Bankruptcy and would have had this discharged. I also explained that this debt was for a [ policy from 2012.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX XXXX ( XXXX ) handles a number of small, private loans through my alma mater that I needed during my time there to get through a couple of semesters. Things have been very difficult for me since I graduated, however, and I am now XXXX, making repayment of these loans nearly impossible. I have applied for, and been granted, economic hardship deferment on these loans since 2013. Unfortunately, the process of being granted the deferment has been terrible. The customer service for XXXX appears to have been outsourced, and their agents only know how to read from scripts for their responses to questions and concerns. I was initially told that the only way they would accept the deferment application was via paper mail. It's a very long application and requires multiple stamps. They then proceeded to tell me that they " lost '' my application, several times, despite the fact that I knew it arrived because I had the Post Office add tracking to the envelope. Then they told me to keep waiting, because maybe it just had not turned up in their mailroom. Another representative then told me that all the others had been wrong, and that I had been waiting and accruing late fees and bad marks on my credit score for no reason, because I could have emailed everything. The entire time, I was receiving harassing letters, emails, and phone calls about these loans because I was unable to make payments, but I was assured by multiple people that I should ignore all of this harassment because it would be removed and wiped away from my account when my application for deferment was processed. Even while my loans have successfully been on deferment, after the painstaking process to even apply, I've received multiple letters telling me that I have payments that are past due, letters marked " FINAL NOTICE, '' and even letters threatening to send me to collections agencies if I do not pay the full loan amount, even though my online account shows me that I am still on deferment, and my document inbox on my account shows no record of these harassing letters being sent to me. My attempts to contact them to rectify this issue have been completely useless. All I receive are generic responses taking me around in circles, telling me to talk to other people about the issue. No one seems to be able to help me with it, and if I request to speak to a manager or a supervisor, I'm told I am being connected, and then they hang up on me. Trying to email them or use their support ticket system is worthless, as all they ever do is tell me to call the customer support line. This has been going on for five years and I am reaching the end of my rope. I don't know what to do about this company, and I've tried so hard to do everything the right way and fill out all the paperwork they want me to in order to go through their proper channels. They just refuse to work with me or speak to me as a human being or a customer.
Company Response:
State: OH
Zip: 44654
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I HAVE BEEN RECEIVING CALLS EVERY DAY SINCE XX/XX/2018, I REQUESTED THE ON EVERY CALL TO CEASED AND DECEASED PHON CALLS ACCORDINLY TO THE RIGHTS BY FDCPA. PREVIUSLY I REQUEST THEM TO STOP THE CALLS AS WELL.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/2013. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORTED on XX/XX/2013.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: THE COMPANY IS USING CALLER ID SPOOFING TO TRY AND MASK THE NUMBER. I HAVE TOLD THEM TO STOP CALLING ME NON STOP, THEY CALL FROM THE SAME 3 SPOOFED NUMBERS 3 OR MORE TIMES A DAY. THE FIRST FEW TIMES I MISSED CALLS AND WHEN I CALL BACK SOMEONE ANSWERS AND SAYS THEY NEVER CALLED ME SO I FINALLY ANSWERED TO GATHER INFORMATION ABOUT WHO IS CALLING ME NON STOP WHILE I AM WORK.
Company Response:
State: NJ
Zip: 07701
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Asked them to validate the debt, they only sent copies of a bill claiming its mines but it's not! They're not sending me of what I've asked, which is signed documents by me. They still cant/dont have proof its mines.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/2015 I attended a continued education program through my union and got hurt while I was there so I visited the hospital and got looked at. The hospital ( MARYLAND XXXX XXXX ) gave me the bill and I gave them my current XXXX XXXX insurance number which was up to date which then my insurance took care of it. This debt collection has been showing up in my credit reports for the past 3 years and and is causing financial hardship.
Company Response:
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a medical bill on XX/XX/XXXX from emergency room that I didnt know about and never received anything in the mail. The debt went into collection in XX/XX/XXXX I came to find out about after it went in collection and paid it off approximately by XX/XX/XXXX-XX/XX/XXXX that year. The collection company that had the debt was ( Transworld Sys Inc/33 ) Attach you can find my credit report and see page # 3 showing account was closed.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2018-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX XXXX XXXX, the servicer on my XXXX College Loan, updated to a new online borrower portal called XXXX XXXX in XXXX and XXXX of XXXX. I have been repaying this loan since XXXX ( with autopay for the last several years ) without incident until the switch to XXXX XXXX took place. A problem with my autopay on or around XX/XX/XXXX set off a series of events I will detail below that culminated in 2 late payments and a negative effect on my credit score - this all despite my extensive and well-documented efforts to pay my loan and re-set up my autopay via email and phone. I think that there was an internal problem on the part of XXXX when they switched over to the XXXX XXXX system, and that this problem was compounded by an inability or unwillingness on their part to help me fix it. I would like ( 1 ) for my credit to be restored, and ( 2 ) for the two recent missed payments to be removed from my record. All attachments are labeled A through I and referenced as such below. In XX/XX/XXXX I received an email ( A ) that XXXX was anticipating system down time while they upgraded to the XXXX XXXX online borrower portal. I was informed that no late fees would be assessed in the month of XX/XX/XXXX, and there was no indication that action needed to be taken on my part to continue my recurring payments ( that had been set up and working well for years ). On XX/XX/XXXX I received an email that the switch to XXXX XXXX was complete and that my account was active ( B ). On XX/XX/XXXX I received an email that I had a new document on the XXXX XXXX system to review ( C ). This document showed that as of XX/XX/XXXX my account was current, with an automatic debit of {$140.00} ( my usual amount ) to take place on XX/XX/XXXX. Great. On XX/XX/XXXX I received another email that I had a document to look at. This document, dated XX/XX/XXXX, stated that my account was PAST DUE in the amount of {$180.00} ( D ). This was a surprise to me. I logged on to the website and viewed my payment history ( E ) and indeed, the status of the XX/XX/XXXX autopayment was " failed ( unapplied ) ''. I tried to pay online then and there but there was a problem with the system and I was unable to make the payment ( as happened to me again, on XX/XX/XXXX ). I tried to call, but it was after business hours. I was able to try to establish that my autopay was still set up, and received an email confirmation that autopay was indeed set up on my account ( F ). On XX/XX/XXXX, the date my autopay was set to debit from my account, I received an email that " due to my request '' my autopay had been cancelled ( G ). As the loan was due that date, this resulted in my account now being TWO MONTHS OVERDUE. I did not request for my autopay to be cancelled at any time. On XX/XX/XXXX I called XXXX XXXX customer service to sort out why my autopayments were failing ( on XX/XX/XXXX ) and being cancelled without my knowledge ( on XX/XX/XXXX ). Importantly, I also had my credit card out and was about to pay the balance of the bill, but the representative STOPPED ME, saying she " saw two different due amounts listed '' and that she would refer me to their account specialists to see how much I owed, and would follow up with me. She never followed up. There should be a quality assurance recording of this phone call. I could have paid my bill that day, but she advised me against it. I am sorry I followed her advise. I told her of my concern that my credit could be affected by my unpaid balance, she told me the account specialists would look into it. Notably, she asked if I was using a XXXX Bank account to pay my bill, which I thought was strange. I have an old XXXX Bank account that I closed years ago, and have used my XXXX XXXX XXXX account to make payments on this loan for years. I have a suspicion that when the switch to XXXX XXXX took place, the XXXX Bank account was erroneously used for my autopay and this is why my autopayments began to fail at the exact same time they switched their system. Just my hunch. Not my fault, and I shouldn't have to pay for their mistakes with my own credit score. On XX/XX/XXXX I received an email that again I had a document available on the XXXX XXXX website. I viewed it and to my horror, it showed that my account was still {$360.00} past due ( H ). I thought at least the status would be suspended due to my recent phone call and active case with customer service. I immediately tried to pay the account online but there was an error. I wrote an email to customer service detailing that I had just tried to pay online but couldn't, and requested that they fix this problem right away, and was met with the response " we will refer this to our account specialists. '' ( my email not attached but available ). On XX/XX/XXXX I called customer service again. I was able to pay the balance this time over the phone, bringing my account current. I also set up autopay over the phone yet AGAIN and thought the issue was resolved. I again asked her to ask about fixing my credit and again she said she would refer me to their account specialists. On XX/XX/XXXX I received an email ( H ) that again, my recurring payments had been cancelled, again without my knowledge. On XX/XX/XXXX, I went online and just paid the balance that was due XX/XX/XXXX ahead of time as I just wanted to feel secure that I was not going to be late on any more payments. The status of my account now is that it is current, and my next payment is due XX/XX/XXXX, supposedly as an automatic debit. I will, of course, be checking that day to make sure the payments go through and will pay it manually if there is ( again ) a problem. Throughout this ordeal the customer service has been lacking. Clearly, there was some kind of hiccup with my account when they changed their systems and the end result is that after trying to do the right thing at every turn and work with their customer service time and time again, I now have registered late payments for XXXX and XX/XX/XXXX that are affecting my credit. I'm trying to buy a house and this is really affecting me. They don't seem to be willing or able to set up my autopay correctly and work on reversing the damage they've done to my otherwise super stellar credit. My last recourse is to file a complaint with this agency.
Company Response:
State: CA
Zip: 94597
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied to return in school in XX/XX/2018, I was advised by finance dept that i had a loan in default I have had student loans for many of years and i have always keep them in good standing i did not understand what was happening I researches NDSL and saw that a federal perkins loan for the amount of {$150.00} was deffered i called numerous places including XXXX they were very rude and stated i would have to pay the money i advised that I never attended the class i advised it was a online and i dropped she stated that they dropped me and i was charged for the full class. they then advised me i needed to call XXXX I spoke to them and they said I now owe {$220.00} i explained I was never advised of this they said it was nothing they could do he gave me information to apply for a forbearance and how to consolidate my loan i first tried to do a forbearance they just had a form did not state that any document were required i filled it out and submitted i got a email advising it was rec 'd after 7 days no response i called XXXX they said i was denied because i did not submit a check stub. i asked why was i not advised of this i got no response and was told to resubmit with check stub, again i got no response i called again a rep placed me on hold and told me i was not in default and they would have to clear my account it will take a few days i called back again 5 days later and was advised the same thing she told me to watch my email. i never got a email so i emailed them. they responded statingmy account was not in dafault it just accerlerated which means it is only past due but not in collections that my account is under a full defferal and i wont have to pay until XX/XX/2018 i sent another email on XX/XX/18 asking for a good standing letter so that i can proceed with school. i then got a reply from XXXX stating that they can not give me a clearance letter because the account is past due that i have a gap in the account from XXXX i sent a reply which they never respomded to asking why each time i call or email i am advised something totally different i also send the email in which they sent telling me my account was clear. i also advised that since i was not sure how they were going to handle my account I consilodated my loans and included this perkins amount I advised that they rec ; d that info as well and should be able to send my clearance letter i still have not gotten a response. I would like to know if there is anything that can be done at this point i think they are attempting to do what ever they can to avoid me from going back to school what ever complaint i can file to get then to release my letter and clear my account i would like to do
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A