Date Received: 2018-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I came to CFBP regarding this very matter in XXXX. Now CFPB has initiated this ... " CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} Million and Stop Suing for Invalid or Unverified Debts XX/XX/XXXX '' I understand that the CFBP could not assist at the time for whatever reason in XXXX referencing case number : # XXXX. When I came to CFPB asking for the assistance. After I did my research I found that I never even knew XXXX XXXX XXXX XXXX XXXX. and that I had never had any dealing with them at all. I am requesting that CFBP add XXXX XXXX XXXX to the above referenced publication on the CFPB website.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received 16 calls in 3 weeks attempting to collect a debt for someone who does not live at my home. I have told the caller to stop calling but they continue. The calls come from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are very rude. I can not help them but they persist.
Company Response:
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-15
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Over the past 3 years I have experienced life changing events that have caused me to have difficulty to make my student loan payments in a timely manor. I have been through a very costly divorce and custody battle with my ex-husband after 10 years of marriage. I had contacted XXXX the servicer of my XXXX XXXX XXXX loans on multiple occasions requesting help with my student loan payments. There were no options available to me other than to pay the payments set. In XX/XX/XXXX I was unable to make the payments. The accounts serviced by XXXX for XXXX XXXX XXXX defaulted after 120 days of non-payment. I was able to locate that my loans were in default status with a collections company called XXXX, XXXX XXXX XXXX. In XX/XX/ I made a {$2300.00} payment to XXXX XXXX XXXX over the 5 loan origination 's to bring them current. I requested a reasonable payment plan and for my loans to come out of default status if I brought them current on the past due payments. I had brought the past due amounts current in XX/XX/XXXXand I was willing to resume payments. The collections agency XXXX XXXX XXXX on behalf of XXXX XXXX XXXX refused to work with me. They continue to threaten me that the entire balance due of {$36000.00} is due immediately. They threaten me with wage garnishment and that these loans will stay on my credit report until the full amount is paid. I have paid XXXX XXXX XXXX for almost 9 years. The payments have been consistent. This company is being unfair, unrealistic and abusive. It is not practical for me to come up with {$36000.00} when I have been struggling to make my minimum monthly payments. I have investigated that many companies will bring an account out of default and negative credit reporting when the account is brought current. This company is refusing. They threaten to ruin my life and my financial stability for many years to come. Even though I have made an evident effort to reconcile my debts. When I called XXXX & XXXX the first week in XXXX to make a payment. The representative refused my payment and told me to just mail it in. This makes it appear as if my payments were even more sparse. I know they are able to accept payments by phone because they took my payment of {$2300.00} by phone. I assume since the payment was much smaller in scale. It was not worth the representatives time. I am absolutely disgusted. I have been a good payer of my debt to this company for 9 years. Now my life and my children 's life will be ruined for ten plus years because they refuse to work with me.
Company Response:
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I can provide any documentation/specific information needed for these cases, please just let me know what you need. I have 7 binders full of paperwork ... too much information to include here. The facts : 7 separate cases filed against me, under the following variations of XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX *Current alleged total of all loans is over {$190000.00} and continues to accrue interest. This is more than double the original amount. Our situation : In XX/XX/XXXX-XX/XX/XXXX, I took out loans to help pay for living expenses during college. In XX/XX/XXXX, after our family business went under, we had to declare bankruptcy. Our no asset Chapter XXXX was discharged in XX/XX/XXXX, but that did not help with the loans as they were classified as private student loans. We have continued a slow but steady income increase since that time ( currently up to $ XXXX/year as a family of XXXX ), but due to life circumstances ( cars breaking down, household repairs, medical issues ) we just barely squeak by with month to month finances. We have already cut back on all extras. If we are faced with a garnishment or bank levy ( which is seemingly more likelyas we have multiple judgements against us from these loans ), it would destroy our ability to squeak by. Our issue : As I said, inXX/XX/XXXX-XX/XX/XXXX I took out loans to help pay for living expenses during college. These loans were advertised as alternative education loans, which could be used to pay for living expenses, past tuition, and study abroad programs. They were not certified through the school, but instead required me to simply send in a copy of my schedule for that semester. They mailed a check directly to me, in my name. It never went through the school or financial aid office. Im stating all of this because from the research Ive done, these loans do not qualify as true education loans per the bankruptcy code. Therefore, beyond the issues with credibility of their documents in the cases against me, I believe these loans should have been discharged in our XX/XX/XXXX bankruptcy and this whole mess never should have wasted the courts and our time. I can point to exact portions of the bankruptcy code to support this claim, if neededplease just ask. In XX/XX/XXXX, XXXX XXXX XXXX ( from here on XXXX ) filed suit against me, combining 2 loans into one lawsuit under the plaintiff XXXX XXXX XXXX XXXX XXXX XXXX-I. I answered, and filed pro-se as I could not afford a lawyer and every lawyer I talked to at the time wasnt interested in pursuing the case. After 2 years of back and forth with XXXX within the courts, I lost after representing myself at the bench trial. Their proof of chain of assignment was a self-produced document which they claimed ( through a shady affidavit from XXXX XXXX XXXX ) was a redacted Schedule 2. Dates on this document make it impossible for it to be what they claim ( A create date of XX/XX/XXXX, when the pool supplement XXXX claims it is a part of is dated XX/XX/XXXX, for example ). I questioned the document at trial, and even asked the affiant under oath if she had ever worked for the original creditor on the promissory note provided in the complaint ( XXXX XXXX ) and she admitted that she had not. Still, I lost. I attempted to appeal, but the judge did not approve in forma pauperis status, and I could not afford the filing fees to continueso it was dismissed. I am not employed, ( I have XXXX children and childcare would negate any salary I would make ) so they can not garnish my wagesbut my husband is employed and I live in fear that they will levy our bank account. This is just one case. There are 6 more ( all of which are against both myself and my husband, as he was a cosigner ). 4 of them we have fought pro-se in the courts through to bench trial, with the same result. 1 of them ended in a summary judgement in favor of the Plaintiff because we were never served with any paperwork until we received the order granting summary judgement in XX/XX/XXXX. 1 case is still active, with the last activity being our response to Plaintiffs discovery and our own request for discovery ( which was never answeredand never has been in any of these cases ) in XX/XX/XXXX. All of them have failed to produce an actual copy of the schedule 2 listing my loan as one of the pool involved. There are various forms of computer generated documents that they claim are this schedule 2, but none of them state that they are the schedule 2, nor are they verified or certified by someone other than an affiant from XXXX XXXX XXXXXXXX, and they all have glaring issues regarding credibility. I am hoping there is something the CFPB can do to help us. Or guide us. We dont have thousands of dollars to spend on a lawyer, but it is obvious that the courts do not take pro-se defendants seriously. My mental health can not continue to fight this when the outcome is always going to be in favor of the big company that can spend money on lawyers. Please help.
Company Response:
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection letter from Transworld Systems and a treath for wage garnishment for something I dont have a record that I owe money. I have no idea who they are at why am I being harassed by these company?
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Trans world systems. This company has been calling for over 2 years and overtime I have asked to remove me they state that it will take 24 hours and call me right back the same day and the day after. They call every day even after i called for a week straight to request to be taken off and they say the same thing. They are calling asking for a person we do n't know.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Recorded message says to call XXXX and ask for XXXX XXXX so when we do so we ask for XXXX XXXX but whoever answered the phone says they can help us. We then state that the phone number you are calling is a new one to us and that we have no debt to anyone so please stop calling for which the standard response has been " We will remove you from our list ''. Problem is, they still keep calling.
Company Response:
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Background to the debt : I went to a XXXX XXXX XXXX near my home on XX/XX/XXXX because I left work throwing up and I needed documentation to miss the next day of work. I gave the lady working the desk my contact and insurance information and waited to get called back. After a few minutes, the lady I had spoken with informs me that the way my insurance works, I had to pay everything up front before I went back. I expected this, and paid with no issue. I was seen and went home. A couple of weeks later I received a statement detailing that I owed {$93.00}. I knew this was incorrect right off, so I called the number listed on the statement for XXXX XXXX XXXX and explained the situation to the representative. She apologized for the mistake and said I would receive a corrected statement soon. On XX/XX/XXXX, I received a statement in the mail that showed I owed {$0.00}. At that point I thought this was the end of it. On XX/XX/XXXX I received a notice dated XX/XX/XXXX from Transworld Systems , Inc indicating their intent to collect a debt of {$93.00} on behalf of XXXX XXXX XXXX XXXX. The next day, I sent in a brief letter disputing the debt, as I 've already paid it. I included the statement that showed the {$0.00} balance and a bank statement that showed where I paid. I sent this certified mail. The return receipt indicates that this was received by TSI XX/XX/XXXX. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX indicating a debt of {$180.00} as " still unpaid '' with no explanation as to why it was suddenly doubled. Yesterday, I sent a second dispute to the new amount. When I got home from work, I discovered another notice from TSI indicating that I " still owed '' {$180.00} and suggesting that if I get a tax return, I could use it to pay the balance. This was dated XX/XX/XXXX, a day after my dispute was received, with no verification of the debt as I requested. Today, XX/XX/XXXX, I am sending a third dispute noting that I have filed this complaint as they have continued to contact me after receiving my dispute and to not contact me without verification of the debt that supersedes the statement I have that shows {$0.00} owed.
Company Response:
State: TN
Zip: 37415
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Transworld Systems Inc is reporting a debt collection account with the original creditor of XXXX XXXX XXXX XXXX. I never received notification of the debt owed, nor did I receive notice of my rights to dispute.
Company Response:
State: PA
Zip: 17042
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A