Date Received: 2018-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account number XXXX is appearing on my credit report. Please remove from my credit reports. Mailed several attempts to company to validate debt and nothing has happened. I want a validation and verification that it is my account
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX sent me a letter dated XX/XX/XXXX that I owe them {$15.00}. They gave me 10 business days to pay. I received this letter XX/XX/XXXX and I payed them {$15.00} same day morning XXXX. I have receipt with confirmation number XXXX dated XX/XX/XXXX. I received letter from the Collection Company dated XX/XX/XXXX. It means that XXXX put me to collection before the 10 days period had expired.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe my next door neighbor used my personal information to get her electricity on in my name.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Transworld systems is threatening to take my mom 's assets. We have Tried and tried to make a payment plan they won't help us. My mom is the co signer and I'm on the loan as well. They won't even talk to me after being very rude and threatening us.
Company Response:
State: KS
Zip: 675XX
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/2018 I called to attempt to settle my debt with XXXX XXXX. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XX/XX/XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2018-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter of collection from Transword Systems INC that My daughters student loan cosigned by me was placed into default by XXXX XXXX XXXXXXXX XXXX, as she did make payments but not the amount they wanted. I received a call on XXXX From XXXX XXXX at Transworld telling me of the status of the loan and that it was due in full. he asked to verify my daughters address and phone which I did not have access to at the time of the call. I called him again on XXXX and was told that since I am the co-signer I am liable for the full amount of {$10000.00} or a settled amount. I asked about making payments. he stated that payments were not allowed. I stated " well I just don't have XXXX in my pocket '' His reply was, you have a home that is not under mortage and other assets so you do have the money. I felt like this was a threat. He also said he would not deal with my daughter as when he called her she said he had the wrong number. He told me I should pay the loan with a 0 % interest credit card. On XXXX my daughter called talked to XXXX, inquiring about making payments, and was told payments were not an option. On XXXX I called and spoke to XXXX again and asked him why payments were not an option, I was told if it was a federal student loan payments would be optional but are not with a private student loan. He did also say you and or your daughter can make all the payments you want but it will not stop negative action from being taken against you. On XXXX I spoke again with XXXX, he offered a settled amount of {$7900.00} which I could not do. I also asked for a copy of the original judgement which I never received. I called again on XXXX and spoke to XXXX XXXX, I asked for a copy of payment options offered by the company or a policy. She told me that no such document existed. I am not disputing the amount owed, just the collection method. I will have to say that XXXX was always polite on the phone but XXXX XXXX and XXXX XXXX were rude and hateful.
Company Response:
State: KS
Zip: 675XX
Submitted Via: Web
Date Sent: 2018-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX has been harassing me when asked to show proof they sent me a copy of a loan application. My current loan are with XXXX XXXX not these people who can't provide any form of payments missed nothing at all. They claim I owe XXXX dollar but that all I get nothing more I have to contacted them many times and told them show me proof or stopped harassing me.
Company Response:
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I previously submitted a complaint about Transworld Systems Inc who responded by sending me validation of the debt. The paperwork they have sent clearly shows that I owe NO money to the XXXX XXXX XXXX. I spoke with XXXX reps and they have NO open accounts for me. And they stated that they handle all collections in house and never send bills to outside agencies for collection. This latest harassment letter is threatening that interest may be added to the amount that they claim I owe. I am a senior and this upsetting correspondence has an emotional component since it refers to expenses connected with my mothers death. Your website is full of complaints about this company. Cant you make them stop?
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was reviewing my credit report and discovered that XXXX XXXX had added a file that I owed them a past due balance. I contacted XXXX XXXX and inquired about the past due balance. They stated it was for an apartment I once lived in. I explained that I had moved from the apartment I shouldve owed a balance to XXXX XXXX. I nevertheless paid the past due amount to settle the account Immediately. I reviewed my credit file a few months later the same information was listed on my credit file by the name of Infinite XXXX/TSI collection. The debt showed paid, I didnt pay TSI, I paid XXXX XXXX and the agent at XXXX XXXX told me it would be taken care of.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX card..sent account to XXXX XXXX without my knowledge. Always had a {$160.00} allotment from retirement pay since XXXX ... after Hurricane Harvey hit last XX/XX/XXXX, lost car, furniture, eviction from home, mother ill in and out hospital, XXXX XXXX, 2 vehicle accidents..XX/XX/XXXX/XX/XX/XXXX XXXX I went down to $ XXXX/month.. wanted to keep sending what I could. I asked them would they please except this for like 5/6 mos.. til I get back on my feet.. Now recently they have deducted without my knowledge even more of what allotment was.. $ XXXX..requested hardship like XXXX ( XXXX XXXX card ) ..and they want all types of personal info from 2 prior months, ,ie..tax returns, bank statements..just for a credit card.. orig balance was over $ 5000..and now it is down to $ XXXX- $ XXXX..this is ridiculous..PLEASE STOP THIS MADNESS..XXXX XXXX XXXX XXXX XXXX IS OVER XXXX XXXX CARD!
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A