Date Received: 2018-08-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Subject : Follow up information regarding Treasure Offset Program ( TOP ) Reference number : XXXX I had filed a complaint in regards to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and a third party collection agency Transworld Systems , Inc. I filed my complaint on the following basis. 1. Did XXXX sent me a letter in regards to Treasury Offset ( TOP ) 2. Transworld never advised per letter that they will collect on debt 3. Transworld added further fees to benefit themselves at my expense. 4. Any attempt to contact XXXX to re solve this matter was not accomplished. XXXX refused to assist on resolving my concerns with the excuse by customer service that I was fully aware of a debt. 5. Attempt to communicate with Transworld was with excuses to collect and I spoke to a supervisor that refuse to assist in resolving the matter any further. I was treated unfairly and with disrespect. Soon after I filed my complaint with the FTC consumer complaint ( XX/XX/XXXX ) the following occurred. Consumer Financial Protection Bureau, provided me copies of Transworld debt collection ( itemized ) they continue by saying of Federal laws protecting my rights but my rights were not protected why I tried to resolve this matter before my complaints. Secondly, all documents received by CFPB and attached to me on the resolution could not be read. Why CFPB did not notice this matter. XXXX, then proceeded to send me documents of the same attachment. XXXX sent statements and a letter in small font ( required magnifying glass to read ) and if I had concerns of my right to communicate this with XXXX, again prior to my complaint, I called XXXX trying to resolve this matter and they continue to say you know you had a debt! Why call if they will not listen to me and try to get this matter without a third party collection. The problem, I read per XXXX letter provided by Transworld XX/XX/XXXX XXXX : if you do not pay your debt or take other actions described below within 60 days from the date of this Letter. ( XXXX XX/XX/XXXX ) 60 days from XX/XX/XXXX is the first week of XX/XX/XXXX. The agreement has been violated and the law broken. Both XXXX and Transworld has conspired to insure my Federal Tax Refund is taken away regardless of the agreement set forth in XXXX letters. My Federal Tax refund dated for XX/XX/XXXX of {$540.00} was taken away from me. I am aware of the TOP law since I work for an agency that handles this type of collection. We advise of the 60 day rule and collection will not be prior to the 60 days.
Company Response:
State: TX
Zip: 78539
Submitted Via: Web
Date Sent: 2018-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from Transworld Systems , Inc. My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
Company Response:
State: NE
Zip: 68005
Submitted Via: Web
Date Sent: 2018-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX claims that I owe money from a student loan I took out in XXXX with XXXX XXXX/My Rich Uncle/XXXX XXXX. They sent me a letter on XX/XX/XXXX stating that if I do not dispute this debt within 30 days they will take legal action. According to Indiana and New York State laws the statute of limitations on contracts for money or with a promissory note is 6 years. The last payment I allegedly made, according to their loan servicer, XXXX XXXX XXXX, was on XX/XX/XXXX. I do not recall nor have been shown any evidence that I made contact with the company since that time ( they claim in their complaint that I have had contact with them ). I should add that I have never ( to my knowledge ) spoken to XXXX. They did not give me 30 business days to dispute the debt before filing suit. I made an attempt to dispute the debt via certified letter, to the address that was on the letter they sent to me, on XX/XX/XXXX that was not responded to ( they received the first notice on XX/XX/XXXX that the letter needed to be picked up and signed for and they received a second notice on XX/XX/XXXX ). I received notice of a summons and complaint in my mailbox on XX/XX/XXXX. I believe this lawsuit is time barred by law and that sending the initial letter stating they would take legal action as well as not allowing thirty days to dispute the debt is a violation of the Fair Debt Collection Practices Act. Additionally, the summons sent was improperly served upon me and has not been followed with a certified letter per Indiana Trial Procedure. The case is not in the Odessey Case Management System where all such court cases are available to the public on the internet. Younomics has a suspicious relationship with XXXX XXXX/XXXX/My Rich Uncle, which are now defunct organizations/financial institutions ( as of XXXX ). Their loan servicing company is a subsidy or partner with XXXX XXXX which was involved in a lawsuit with National Collegiate Student Loan Trust, who was forced to forgive or pay back millions of dollars to borrowers.
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Got a call from XXXX at Transworld on behalf on XXXX XXXX. Trying to collect on a bill I paid upon receiving from XXXX XXXX. I never received a followup from XXXX XXXX about the bill being owed. I received a collection letter about a month ago about this, which I disregarded as I did not owe anything.
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone used my information at the hospital. They were told this. Police reports were filed as well as a FTC report.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I was recently assigned the phone number ( XXXX ) XXXX and I am receiving recorded/automatic calls that are not intended for me. I have previously requested to have TSI ( Transworld Systems Inc. ) remove my phone number as I am not the person they are trying to contact. The recording says to call XXXX and ask for XXXX XXXX XXXX. The ID CODE / Reference # for the call is XXXX.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I am having an issue with XXXX ( XXXX XXXX XXXX ) over the handling of my Federal Perkins Loans. I have two loan amounts totaling {$5500.00} and another for {$4000.00}. In late XX/XX/XXXX I received notice from XXXX that the loan amount for {$5500.00} would start accruing interest and the first payment would need to be {$170.00} in XX/XX/XXXX. The loan payments would only be done quarterly. I started paying the loan in XX/XX/XXXX with no issue. A notice was sent to my family member at a former address of mine including information about the {$4000.00} loan in early XX/XX/XXXX and included information that the loan would start accruing interest in XX/XX/XXXX with a first payment date in XX/XX/XXXX for an amount of {$120.00}. XXXX claims that before any billing cycle, customers should expect to receive a statement in the mail or electronic correspondence 20 days prior to the billing date. I only received statements electronically regarding my XX/XX/XXXX payment for {$170.00} for my {$5500.00} loan. In XX/XX/XXXX, XXXX began sending me emails saying they would soon be moving their information and billing processes to a new website in XX/XX/XXXX. I received no other information from XXXX regarding the payment status of my {$4000.00} loan and continued to only make auto payments on the {$5500.00} which was due on XX/XX/XXXX. In mid XX/XX/XXXX, I received a statement from XXXX in the mail saying that I hadn't paid an amount of {$120.00} from the {$4000.00} loan that was supposed to be due on XX/XX/XXXX. I immediately went onto the XXXX website and noticed I had a balance due on the {$4000.00} loan for XX/XX/XXXX, but I wasn't sent prior notice before the bill date that the amount was due. I paid the amount of {$120.00}, payment was processed on the old XXXX website on XX/XX/XXXX and the payment came out of my bank account on XX/XX/XXXX officially. From XX/XX/XXXX XXXX was migrating their information for their old website to their new website. During the week of XX/XX/XXXX I began receiving credit alert updates that I had a delinquent account on my student loans and my credit score dropped nearly 50 points. I filed a formal complain with XXXX XXXX on XX/XX/XXXX after noticing that XXXX claimed I hadn't paid an amount of {$130.00} for the month of XX/XX/XXXX and the account was still past due. The only amount XXXX had informed me to pay was {$120.00} from the statement they sent me after XX/XX/XXXX. I called XXXX for the first time on XX/XX/XXXX to get information on the issue, on their website at the time my {$4000.00} loan claimed I owed over {$250.00} in payments for the month of XX/XX/XXXX and XX/XX/XXXX. I spoke to a representative and they told me they were still experiencing issues with their website and to call back later in the week to confirm any inaccuracies on the website regarding payment status would be corrected. XXXX new website doesn't include any prior statements or documents for my account over the past 8 months. There is no way of looking into old statements, even the ones that were sent to me prior to XX/XX/XXXX regarding my {$5500.00} loan. I called XXXX on XX/XX/XXXX since the website said I owed a balance of {$130.00} for the month of XX/XX/XXXX with a past due amount from XX/XX/XXXX of {$8.00}. I still hadn't received any word on why my credit report was still being impacted with an inaccurate amount that I owed ( {$130.00} ) and I was given any information on where the {$8.00} amount from XX/XX/XXXX had came from. The representative I spoke with said the only way to rectify the balance and clean my credit report was to file for forbearance on the amount of {$8.00}. I called XXXX again on XX/XX/XXXX to see if I could speak with a supervisor regarding the inaccuracy on their website saying I still owed a past amount due. Another representative told me about the forbearance option and said they would forward me to a supervisor. No one responded to request however, and I still haven't received an update from XXXX. The loan amount for the {$4000.00} loan was {$120.00} and XXXX is no saying I still owe {$8.00} to them but this money comes from a XX/XX/XXXX balance. On XXXX website the payment breakdown of my XX/XX/XXXX payment shows an {$8.00} fee which added together with the principal and interest equals an amount of {$120.00}. This other {$8.00} fee that is now added onto my payment amount for XX/XX/XXXX doesn't have any correspondence or notice to claim where it coming from. My credit report claims that this {$4000.00} monthly payment is supposed to be {$130.00} and that isn't what XXXX has even sent me a statement for. XXXX is impacting my credit report by claiming a delinquent account for an amount that isn't accurate for what they asked to paid monthly on the {$4000.00} loan. XXXX website also doesn't include any prior information regarding my loans ( statements, documents, etc ) which makes it impossible to find a paper trail for their claims that I still have an outstanding balance on a loan from XX/XX/XXXX. This is inaccurate since this loan didn't start taking payments till XX/XX/XXXX, and even then XXXX didn't communicate with me through email correspondence or through the mail that the {$4000.00} loan would be taking payment 20 days prior to the due date. My credit report also shows no delinquency for the month of XX/XX/XXXX on the {$4000.00} loan for any amount, so I am confused to why I would suddenly have an outstanding balance of {$8.00} from XX/XX/XXXX. XXXX has been unresponsive and unwilling to send me any documents, statements, or other correspondence over the alleged {$8.00} past due balance from XX/XX/XXXX on the {$4000.00}.
Company Response:
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This Collection agency ( Transworld Systems Inc/TSI ) is relentless and very unethical. TSI provided a very old ( " 2005 '' ) copy of a loan that was signed and date before I filed Bankruptcy and they are relying on a paragraph ( Section 12 ) of the old document instead of adhering to the Court Ordered/Discharged Bankruptcy document that was provided to them. The old 2005 Loan agreement is MOOT after it has been included in the Bankruptcy and discharged. As stated to Ms. XXXX XXXX of TSI " If a consumer can prove hardship while filing Bankruptcy ; Private Loans that are included in the Bankruptcy can be discharged and XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX ( XXXX ) were both included in the Bankruptcy and Discharged one of the loans were even a " ChargeOff ''. However, they have an Attorney by the name of Mr. XXXX XXXX who is a " Personal Injury '' Attorney handling the XXXX XXXX XXXX ( XXXX ) loans. Because of the very shady business practices of TSI and constant violation ( s ) of the Federal Consumer Laws and the Bankruptcy Federal Court order, this agency, investor of the loan ( s ), etc. needs to be investigated, that is obviously audit, and sued. I do believe that I am not the only consumer that is being bullied by their antics.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
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: I have been disputing a bill from XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX. The dispute keeps coming back as a valid bill. I went to XXXX XXXX XXXX hospital back in XXXX and was treated for a XXXX XXXX. I was not having a XXXX XXXX I told the physician on duty that I believe I pulled a XXXX in XXXX XXXX. They held me there for 12 hrs and treated me for a XXXX XXXX. But when was released I was given a prescription for XXXX XXXX that was never noted in the hospital notes. I disputed this bill with XXXX XXXX XXXX and they did drop their portion of the bill. I have been in dispute since XX/XX/XXXX with XXXX XXXX XXXX XXXX which is now in a debt collector 's hands Transworld Systems. I contacted Transworld today and the bill is for {$1400.00}. They said the best they could do is settle for a {$1000.00}. I do not feel I should have to pay this because XXXX XXXX 's agreed to drop their portion. I've been trying to get this removed from my credit reports. It keeps going in and out of dispute and Transworld said they could not help me. I am XXXX. My wife does not work so she can take care of me. I feel I'm being taken advantage of the system. All I want is this removed from all 3 of my credit reports. I am ready to get an attorney so I know what my rights are. I have had enough. I spent over 1 and a half hours on the phone today with Transworld XX/XX/XXXX and got no where. I need to know what my rights are.
Company Response:
State: CT
Zip: 06705
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has been calling me for the past XXXX months. I've tried to get them to stop but they continue to leave me messages. This is an office phone number and they do not seem to understand that I am not the person they are looking for.
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A