Date Received: 2018-09-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I started receiving harassing calls from this number about 6 months ago. When I finally decided to try and talk to the person on the phone they told me I had a debt in collection is excess of {$500.00}. I have medical insurance and have not had any major medical costs so that number seemed unlikely even if I had missed a bill. After arguing with the person on the phone for about 20 minutes, they said there had been a mistake on my account and they were billing me twice, so my debt was actually only half of the original amount so if Id like to pay now that would be great. My radar went way up- scam? I asked for more information on the origin of the debt and the information they gave me was useless- I couldnt get enough information to call the doctors office and confirm that I had indeed missed the payment. The next time the callled I asked for a paper document itemizing the debt. They sent me a letter with no real information on it- original debt? Interest charged? Creditor name? On the letter they gave me a website I could go to and pay my debt. When I try to log in, given the log in information that gave me, it says that my account could not be located. So now, Im sure I am accruing more interest because I will not give my cc over the phone and I can not log in to the portal provided. I still can to figure out the doctors office that it is coming from either.
Company Response:
State: CA
Zip: 94559
Submitted Via: Web
Date Sent: 2018-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present? I have proof of payments, so my balance should be much lower. I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XXXX or XXXX I was given the option to settle the loan for XXXX which I started to make payments toward and I thought this debt was fulfilled. During this process the lawyer was very at one point he tried to recant on the settlement.
Company Response:
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They are calling for the previous owner of the phone number. I do not know who he is and the debit is not mine. I've been asking them to stop calling for TWO YEARS and they robocall me EVERY SINGLE day M-F. This number now belongs to a business, not a person. Transworld Systems Incorporated calling from : XXXX XXXX XXXX XXXX asking for a return call to XXXX with a reference number of XXXX
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My husband and I were seen and treated separately on XX/XX/2018, at XXXX. We each paid a {$50.00} co-pay. We were told that our insurance was accepted. We later received bills stating that {$65.00}, was left remaining on our bills. The total bill for our visit was {$110.00} each. When I received the statement, I called XXXX and explained that we were told our Insurance was accepted there. She said it is accepted, but that is not a guarantee that our insurance will pay. I asked her if they would reduce the bill to a self-pay amount. She said no. I intended to contact my insurance company to dispute. However, it was put off. On the evening of XX/XX/XXXX, I received a letter, dated Saturday, XX/XX/XXXX, stating if full payment of the overdue amount is not received by the due date, ( there was not a due date on the letter ), we will have no alternative but to turn your account over for collection. I paid both of our bills in full on XX/XX/2018. On XX/XX/XXXX, I also received an email with my statement attached that stated the account will be referred to collections within 10 business days if payment is not received. I have been contacted by Transworld Systems, Incorporated. They claimed that my husband and I owe them {$97.00} each. I explained to them that I had paid the bill in full on XX/XX/2018. They now say I owe {$32.00}. XXXX paid the {$65.00} to Transworld on each of our accounts on XX/XX/XXXX 7, 2018. I have explained that the bill was paid prior to it being turned over to collections. They have acknowledged that it was turned over on XX/XX/2018, but they insist that XXXX says we owe the fee for collections, regardless that it was paid prior to it being turned over to their office.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX I reached out to Transworld to inform them that the account that they are reporting under my social is a result of identity theft. Transworld informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX XXXX, previously XXXX XXXX, is the loan servicer for a PLUS loan I incurred while attending XXXX XXXX. Since XXXX, I have been timely making monthly payments on my loan via XXXXXXXX XXXX online website with no prior issues. On the evening of XX/XX/XXXX, I accessed XXXXXXXX XXXX website to log in and make my monthly payment. Upon entering my information and attempting to log in, I received a message that the " service was temporarily unavailable '' and to " try again later. '' I tried to access my account again on XX/XX/XXXX and XX/XX/XXXX and received the same message. At that point, I called XXXXXXXX XXXX customer service phone line, only to encounter an electronic interface that would not recognize my account number or SSN. Despite best efforts, I could not get in touch with a representative of the company. I also attempted to use XXXXXXXX XXXX online email function to report my issue, but was met with the same problem, namely that it would not transmit my email. A quick Internet search revealed that many other customers are experiencing the same exact problem with XXXX. As such, I can not make my payment on my student loan -- which can only result in negative impacts to my credit score, late fees, etc. And evidently the company can not be contacted to resolve this issue on its end. In addition to this complaint, I have filed a complaint with the Connecticut Attorney General 's Office.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello Sir, Mam! I will be so much thankful if you can help me to solve this problem with XXXX XXXX. Starting on XX/XX/XXXX ; I started inform them that if there is any changing in copayment for my medication not to send it anymore, but they ignore my messages and on XXXX they sent me a medication with higher copayments, and directly even not opened it I delivered it back to them. So they still asking me to pay the credit of {$120.00}, below you can see my messages to them : 1 ) XX/XX/XXXX Good Morning Please be informed that if there is any changing in co-payment so I dont need it So dont send any medication without my approval Regards XXXX XXXX 2 ) Hello customer service Please be informed that the medication sent to me on XX/XX/XXXX ( XXXX XXXX XXXX ) was sent back as unopened to the sender in XXXX XXXX in IL I receive it So please cancel the co-payment of a {$120.00} Thank you Respectfully XXXX, XXXX 3 ) Good Day Please be informed that I refused to receive the medication which was sent by your dealer and it was delivered back to them directly so I am not going to pay for a medication that I didn't receive it Appreciate your business Thank you Respectfully XXXX XXXX JXX/XX/XXXX 4 ) Good Day customer service First of all I would like to thank you for your good service, then, concerning the amount of XXXX that I have to pay for none received medication. If you want me to do so send me again the medication XXXX XXXX XXXX. 90 Tab then I am ready to pay that amount PS. Please notice how many times I contacted the customer service asking them not to send the medication if there are any changes in co-payments. But they Ignore my messages and they sent it. Directly I sent it back not opened as I received it So please find a solution to this case Warm regards XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: CA
Zip: 93955
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A