Date Received: 2018-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Transworld Systems Inc with an address in XXXX XXXX XXXX and in XXXX XXXX stating that they are collecting a debt from XXXX XXXX XXXX. I contacted XXXX and the representative verified that I owe no money and that they do their own collections in-house. I checked online for other complaints against Transworld and read of many other folks who they are also trying to collect monies from for nonexistent debts. I believe that this company knows that I do not owe any money and are trying to defraud me. Will you please try to stop this criminal activity. Thank you.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I took out a private student loan through XXXXXXXX XXXX in XX/XX/XXXX for {$30000.00}. I was told that I was required to have a coborrower despite trying to get the loan without one. Neither my husband and I were employed at the time as he had just lost his job and I was attending school full time in addition to raising our child. We were desperate, young and naive. I joined the XXXX a few months after I took out the loan in order to provide a stable financial income and health insurance for my family. After a lot of headaches, I finally got the company to honor the Soldiers and Sailors Credit Relief Act to lower the interest accruements while I was overseas. When I got out of the XXXX, I continued my education to finish my XXXX degree. I was intending to go to school to be a XXXX XXXX. In this time, the loan had been transferred to another company. I found out in XX/XX/XXXX, just a few months after graduating college that I would not be able to attend XXXX school because I had a XXXX XXXX XXXXXXXX and was going XXXX. I was no longer able to drive or work. My husband and I continued to make payments despite me not bringing in any income. About a year after receiving my diagnosis, I was considered to be a 100 % service connected XXXX veteran and my federal student loans were dismissed. At this point I had paid over {$11000.00} on this original loan only to find out that it had not dropped in balance by even a cent. I reached out to the company only to be told that even paying {$530.00} every month would not decrease the balance for quite a while. I informed them of my diagnosis and that I could not work seeing if we could lower the payments. They not only refused but began harassing myself, my husband, my in-laws and my father. I would inform them every time that I was doing my best but could not afford to pay over {$500.00} a month. The calls continued sometimes several times a day. The loan was transferred twice after that and each time my husband and I would tell them that we could make small payments monthly. ( None of these companies had any record of us paying the previous {$11000.00} either. ) They refused to take them stating that the amount we could pay ( between $ 50- {$100.00} ) was not sufficient enough to make a difference. My husband, in that time, had begun college so that he could have a career and provide better financially since I could not. He has told them several times that we have every intention of paying the loan but can not do so at this time seeing as neither one of us has an income other than my XXXX and the small amount he gets from his GI Bill. We have begged, pleaded and cried over the harassment and rudeness. We are out of options. The loan appears to have been transferred back to XXXX XXXX XXXX and of course the calls continue. They have threatened to take us to court which we have told them to do so because at that point they could no longer continue charging interest ; however, they have only continued to harass us and increase the balance by charging interest. We have every intention to pay our loan ; however, our priorities are a roof over our familys head and food to eat. I do not ask for anyones sympathy in going XXXX, but I do expect respect not only as a veteran, a XXXX woman but as a human being. I take full responsibility for being nave enough to take out a large loan when I was younger, but I can not fathom the indecency of these people. Our credit is no longer good, and we could not even take advantage of a veterans home program to decrease our interest rate on our mortgagee ( which would result in lower monthly notes and more we could afford to pay on the loan ) because of this loan. They refuse to work with us. I dont know what else to do and am pleading for some help and guidance in this situation.
Company Response:
State: LA
Zip: 70785
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft. Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.
Company Response:
State: NJ
Zip: 08037
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/2018, an amount of {$330.00} appeared on my credit report on XXXX XXXX. I recently just submitted a complaint. It was in regards to XXXX XXXX and debt that was owed by a family member that knows my information and put the collection on me.We also have the same name its my dad. I live with my mom and the bill is in her name, I'm XXXX years old. The creditor is XXXX XXXX I believe but has been reported by " Transworld systems '' but shows on my XXXX XXXX. I need help to removing this please.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company Transworld Systems Inc continues to call me and my little brother, too. They claim I have a debt, and I have asked them to provide documentation showing the debt. Yet, they continue to call and harass me and my little brother, and even admitted to using an automated dialer.
Company Response:
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans. Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ). Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped. Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loan servicer is XXXX XXXX XXXX XXXX. After one of my loans was reduced because of the XXXX college lawsuit I was able to pay it off. I logged in today XX/XX/18 to XXXX XXXX XXXX website where all my loan information is, to see the balance and also make a payment on my second loan belonging to XXXX XXXX XXXX XXXX. I could no longer see any account information about the loan, no loan balance at all. I called XXXX XXXX XXXX automated system to hear my loan details, the system couldnt tell me my balance either. Its as if my loan just disappeared. I called XXXX XXXX XXXX to ask why I couldnt obtain any information about my loan from XXXX XXXX XXXX XXXX, they told me that the loan holder blocked all online access to the loan information, however they told me that that could still take my payment over the phone. I dont see how its right that a company can take payment for a loan that I have but I cant see the balance of.
Company Response:
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A