Date Received: 2018-07-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX. On average we get 1-3 calls a week. We owe no debts other than loans through XXXX XXXX XXXX XXXX.
Company Response:
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues. Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ). This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues. I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Well i'am trying to buy a home and all of sudden these people from Transworld Systems Inc. want to put a collection on my credit report XXXX XXXX XXXX ) a very old collection from 2013 or so i believe I never received a notice from them at all. I tried calling several times unable to get a hold of anyone. Its an old collection, reported as new, as said i called the number on the credit report and it wasnt accurate, found number on the XXXX website, gave last 4 digits of my social, they could not validate the account. i also filled a complaint with XXXX and they were unsuccessful in obtaining a response from the company. So i'am asking because they could not validate the account is there anyway i can request a deletion. My wife and I are having a very difficult time trying to get this matter resolved. Please any kind of help would be great.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I put in a complaint maybe a week ago transworld systems Inc. Were calling and harrasing me from different numbers now they are calling impersonating an I.R.S. agent saying I owed them money and they were filing a case against me to call in and rectify the situation ... the first time I called they didn't say anything the second time I called they had a promted opening this is the IRS I am agent so and so to the end of the conversation so I asked them to pull up my XX/XX/XXXX & XX/XX/XXXX taxes so they hang up I have the number they called from and the message they left. This is outrageous I don't owe the debt so they are going to these lengths and tactics to get me to agree to the debts so uncalled for and I would like some resolve.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 02126
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018, this company reported a debt to my credit report that was not accurate. I called them and explain to them that they client never filed a claim under my health insurance to get paid. Even that I provided them with the insurance information. Furthermore they clients received a certified letter from my attorney in XX/XX/2018 stating that any bills that is not paid by the health insurance will be cover by the accident settlement. I also called XXXX XXXX XXXX that I formed me they received the letter and advised all their physicians account managers.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: after multiple attempts to tell them I won't pay over the phone and that I need an itemized bill in the mail, they are still calling and I haven't received anything and its been months. Last call was today, XX/XX/18 at XXXX. From TSI. XXXX. Also calling parents and others I have no contact or association with to get a hold of me. Pushy and harassing
Company Response:
State: MI
Zip: 49428
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: To Whom It May Concern : I was a customer of XXXX for a year. I paid a year of services in advance. I was not satisfied with the work provided and I had called several times to cancel for a refund. However, each time I was advised the problem will be fixed. After several phone calls which took so much time away from my busy schedule, I told them just to cancel my service once the annual paid was finished. However, after the annual paid was completed, they continued treatments without my consent and charged me for work I did not authorize while I was away from my property for work related matters. I had called several times to get this square away. I spoke to the manager and she said it will be taken care of. However, I recently received a letter from Transworld Systems Inc. and stating I owe {$140.00} that they are collecting on behalf of XXXX. They will report me if I do not pay this amount. Here 's the info relating to this matter. Transworld Systems Inc collections Agency XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX ACCT # XXXX Date XX/XX/2018 amount {$140.00} Had i requested this service, I would be more than happy to pay. However, I did not request the service and previous service provided by this company was very unsatisfied. Please help resolve this matter for I do not want to continue receiving letters and/or phone calls for something I did not sign up for. Thank you, XXXX XXXX
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a phone call on XX/XX/XXXX from XXXX XXXX with Transworld systems stating that I owed over {$22000.00} to XXXX XXXX XXXX also known as XXXX XXXX. XXXX states the paperwork came across her desk on XX/XX/XXXX. I requested her to verify debt with sending me the original note and loan and she stated that she was sending information to my email. I provided her with my email address to send original documents. XXXX advised me that she would give me until Monday to come up with some type of payment as she was going to follow up on Monday XX/XX/XXXX. She also stated that I was previously making payments back in XXXX when i originated the loans which is totally incorrect. I never made payments on the loans. The loan in the amount of {$12000.00} was charge doff and my grandmother before she passed paid it in full because XXXX threatened that they would garnish my grandmothers social security. I then found out that the company that provided the loans which they mailed me checks that did not list the college that i was attending filed bankruptcy Chapter XXXX in XXXX as well. XXXX was aware that i filed chapter XXXX bankruptcy XX/XX/XXXX and advised me that i am now responsible for the debt that was not XXXX in chapter XXXX. I requested numerous times to verify the validity of the debt. I have yet to receive anything that verifies i owe the debt, that transworld owns the loan and the right to collect on the loan or the amount of money that transworld claims I owe is the correct amount due.
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A