Date Received: 2018-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
Company Response:
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a letter of concern as told by collection Agency by email and fax. I attached my proof of residence with lease and dates as proof that I did not reside in area ( different states ... .I lived in Texas the bill was for Washington DC ). I was told that they would contact utility company to handle situation. I expressed that this matter was urgent because I'm applying for a major purchase and this adversely affecting my score. The agency said they would resolve the situation and they never did. Supervisor said she would resolve issue and contact her the next day because she would expedite the situation. I've called back every day the past week and I keep getting the run around and stall tactics, and nobody has called me back or responded at all.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are reporting an unvalidated debt on my credit report and I sent them a letter on XX/XX/XXXX requesting validation of this debt. They have not sent me anything to meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have requested the following -- all of which they have refused to supply : " What the money you say I owed is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : '' They responded to me on XX/XX/XXXX saying to contact the credit bureaus which I have several times and they tell me it's verified but will not supply proof of this verification. They tell me to contact the company and then the company tells me to contact the credit bureaus -- we are just going in circles at this point and yet no one has supplied me any validation of this debt.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of Transworld added two file to my credit report. So I initially disputed it in XX/XX/2018 as fraudulent due to the fact that I have NEVER had a signed contract and/or account with this company. To no avail they have done nothing, but continue to report invalidated information to all of my credit bureaus. I have sent them letters asking them to provide such information and they have not done anything. This is fraudulent and illegal to have on my credit file.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2018-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent this company a debt validation letter asking them to validate that this account is mine with a signature of mine promising to pay this debt.. I have not received that from them so they cant validate that it was me who opened this account. I am a victim of identity theft and this needs to stop.
Company Response:
State: TX
Zip: 784XX
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX I paid off my loan in full. The total was XXXX and on XX/XX/XXXX another XXXX was withdrawn from my bank account. When I sent a request to get the refunded of XXXX I was told that it would take 45 to 60 days for the money to be put back into my account. I have tried calling multiple times to get a status on when this money will be put back into my bank account and every time I get the same round about answer that they will contact their accounting department that they can only reach by email and call me back in the next 24 hours. I have not heard back from the company since my call on Tuesday. Since I have never got a status on when the money will be given back to us it seems to be that they either do not have the money to give us or are just not planning on giving us the money back.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have multiple hospital bills and they're all now with Transworld System " dept collecter agency '' ... in all my visits to the hospital I've been seen for emergencies and since the first visit when the financial assistance came to take my insurance information I told her I don't have insurance so she told me you could apply for HCAP which is an insurance can cover patients who have low income! and after I gave her my information she said that I'm eligible for % 100 coverage and I will not receive any bills ... so when these Bill 's reported on my credit report I contacted the hospital and they said it was a mistake from the financial assistance that she provided me the wrong informations!!! so now I'm stuck with multiple Bill 's for the hospital and I can't even pay it
Company Response:
State: OH
Zip: 45458
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: During a stay at an XXXX XXXX in XXXX IL back in XX/XX/2017, I left a computer laptop charger behind. I contacted housekeeping and asked if it had been found. Was advised it was at the hotel and they would hold as I visit XXXX often for work. About a week later, a package arrived at my home and it was the cord shipped via XXXX. I never requested it to be shipped nor did I authorize any charges rendered by XXXX. The original charge was around {$22.00} they were trying to collect. Now Transworld Systems is attempting to collect XXXX for XXXX invoice # XXXX XXXX XXXX and my file # wth Transworld is XXXX. My wife and I have excellent credit and never late on payments. This charge however was never authorized and I'm upset this was ever sent to collections. This again was never authorized and I expect a resolution. I can be reached at XXXX or XXXX XXXX XXXX if you have questions. Thank you in advance.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans. As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay. Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing. This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.
Company Response:
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TSI Transworld Systems Inc, is reporting 3 medical accounts to the major credit bureau agencies. I have repeatedly asked for an itemized copy of the charges that reflects what I am being billed for, how much and by whom. However, they fail to respond. ALL of my medical bills were paid by my insurance provider shortly after the time of service. I highly suggest they submit the info to the insurance provider for payment. I am not liable for any debt. In the interim they are and have repeatedly violated the FCRA, FDCPA and other stated and federal laws. I am demanding that this erroneous information be deleted from all 3 of my bureaus immediately ( XXXX XXXX. XXXX and XXXX )
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2018-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A