Date Received: 2018-06-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. -I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeated annoying calls from Transworld Sytems Inc, stating this is an attempt to collect a debt I do not owe.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This complaint is being filed against XXXX XXXX & XXXX debt who represent the creditor XXXX XXXX XXXX XXXX XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX & XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX & XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX XXXX XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX XXXX XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Today I received a call from Transworld, a company that collects debt for XXXX XXXX XXXX. I received that call at XXXX XXXX. Transworld admitted they pursue debts for XXXX and XXXX XXXX XXXX. They stated they could not take me to court but expected me to pay the debt. I told them the debt was discharged in bankruptcy court and was 13 years old. He continued to dispute the debt with me and I continued to say it was discharged in bankruptcy court. Transworld admitted they did not own the debt but were pursing it for XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I get almost daily calls from Transworld Systems. I have no debt. I feel it is just a scam and I will not have anything to do with them.
Company Response:
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was result of auto accident XX/XX/2016. Physician consistently failed to bill insurance regardless of information I provided. Bill was given to Transworld whom I communicated with on several occasions. I do not believe they communicated with physician, I communicated with physicians office, yet health insurance was never billed. Physicians office finally billed health insurance, but they failed to file the claim within the allotted amount of years, and was told my portion of payment is {$0.00}. Physician sent an invoice showing that I owe XXXX. Yet, Transworld communicated to me it was a charge off. I provided documents showing that it wasn't and told them that nowhere on the invoice does it show that it was a charge off. Physicians invoice shows I owe {$0.00}. Transworld has been claiming it is in dispute for more than 30 days. Transworld has done nothing to repair incorrect reporting. They haven't even reported it as a " Charge Off, '' even though it is not a charge off. They have done nothing and it has been on my report inaccurately for over a year I am attaching the documents they have received on more than one occasion.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was a member of the XXXX XXXX XXXX XXXX at XXXX starting in XX/XX/2017 but when I began suffering chronic XXXX XXXX from the XXXX XXXX diagnosed after my enrollment I contacted XXXX XXXX in person requesting refund for the unused 11 1-Hr PT Sessions for {$740.00} explaining that the PT is not suitable for me. I followed-up in person and by email on the refund request writing to the Membership Manager, the PT Manager ( XXXX XXXX ) and the General Manager ( XXXX XXXX ) several times over the next few week weeks. But to no avail at which point I requested my bank to process the refund for services not used by me. As a retaliation I was sent a letter from a Collection Agency on behalf of XXXX XXXX XXXX XXXX at XXXX claiming that I owe {$1600.00} which I paid in advance & in full. There is no contract that stipulates they will not refund for unused sessions especially for health reasons which is all I wanted. XXXX XXXX XXXX XXXX at XXXX is a unit of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Telephone : XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I first found out that I was in collections at the end of XX/XX/XXXX/beginning of XX/XX/XXXX when I checked my FICO credit score through XXXX, with whom I have a credit card. Without realizing that they get their credit information from XXXX, I first contacted XXXX to get my report and dispute the charge. ( This has never happened to me before. ) I found out from them that I was in collections for a {$240.00} bill from XXXX, with whom I had a utilities account from about XX/XX/XXXX until I closed the account in XX/XX/XXXX. The XXXX representative told me the account was dated in XX/XX/XXXX ( I no longer lived at that apartment and my account had long been closed by then ) and went into collections via Transworld Systems as of XX/XX/XXXX. I have NOT received a bill or a phone call from either XXXX or Transworld Systems. Not one. Transworld Systems did not attempt to collect on the debt between XX/XX/XXXX and the time I contacted them in XX/XX/XXXX. Not even since I disputed with Transworld. I've received not one piece of paper in the mail even though they have my current address, even though I was promised updates by mail from Transworld. I will again stress : I did not find out that I was in collections by receiving a call from Transworld ; I found out by checking my credit score through XXXX. XXXX had my phone number until it changed late last year and my previous address ( where I had a XXXX account ) had my updated address to which they could forward my mail. I received nothing in the years since I closed my account. Nothing. Naturally, proving a negative is difficult ; that is, I'm having a bit of trouble proving I didn't receive anything. Nonetheless, I provided XXXX a copy of my lease to show that I no longer lived there to dispute the charge and they successfully removed it from my credit report in mid-to-late XX/XX/XXXX. I had also contacted Transworld Systems, the collections agency, and they contacted XXXX on my behalf to request validation of the debt. According to the representative, they received a document on XX/XX/XXXX that, by her description, was illegible. ( For humor 's sake : a straight up XXXX XXXX move. ) To be clear, she laughed and said she couldn't tell what it was, let alone whether or not it was " supposed to be a validation of debt. '' She apologized and said this wasn't acceptable and would get on it right away. That was 2-2.5 weeks ago. Since then, I contacted both XXXX and XXXX, the latter of which verified the account with Transworld ( not with XXXX ) and won't remove it from my report ( to my added detriment, it also won't show as in dispute ). I'm assuming XXXX will report the same later this week, the end of their 30-day time-frame. I have called Transworld just about every week and they tell me they've followed up with XXXX, but have not received anything. After almost two months of damaging my credit without proof, I'm over it. I haven't been able to get in contact with XXXX, XXXX ( having sold the debt ) has no reason to get in contact with me nor, by my understanding, would they benefit from me being right. As a young person with plenty of other ( student ) debt to worry about, I would really like my credit score not to be held hostage by a utility company. I appreciate your help in this matter. Thank you.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A