Date Received: 2017-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The organization XXXX XXXX XXXX XXXX XXXX ( XXXX ) claims I owe them {$250.00}. I have never had any previous credit or debt with XXXX. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency Transworld Systems. As of XXXX XXXX, 2017 a letter states that I owed {$250.00}.
Company Response:
State: PA
Zip: 17268
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sent a Debt Validation to this company once I realized they are listed on my credit reports XXXX XXXX, 2017. The collection agency failed to validate debt. They " did not validate the debt in the required time frame, only after was incomplete proof provided in the form of a final bill. A bill statement does not obligate me to pay. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: recieved a letter from transworld systems saying i owed {$110.00}. i decided to pay as our holiday insurance didnt cover the full debt. there was no e-mail or online payment so i had to send a cheque which i sent recorder delivery on that day. they recieved the cheque a few weeks later ( posted from the XXXX to usa ). they as yet havent cashed the cheque but i have since recieved a further 6 letters demanding the money that i have already sent. i have emailed them ( found this information on their website ) 4 times, written to them a further 2 times but they do not reply to anything ... .i just recieve more threatening letters. i have sent the cheque they requested, written to them and sent e-mails but they still keep writing to me demanding i pay.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. I am attaching my insurance copy and also attaching a copy of the debt collection. I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2017-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been called 5 times since Monday, XXXX XXXX 2017 by XXXX XXXX XXXX XXXX. They have no account associated with my name or phone number, but they continue to call anyways. I have requested to be placed on their do not call list 3 times, the first request being over 48 hours ago ( on Tuesday, XXXX XXXX 2017 ) and they are still calling my phone. The most recent call was today, Thursday, XXXX XXXX at XXXX.
Company Response:
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The original student loan in the amount of {$20000.00} was discharged in a Bankruptcy hearing in XXXX ( see attached ). Even though this debt was discharged, the federal student loan corporation kept harassing me to make payments on it and accept the debt. At the time, I was working as a XXXX for the XXXX XXXX and was afraid it would impact my career, so I opted to pay on the loan to stop the constant harassment. This was the era when there were very few to no consumer protection rights regarding debt collector harassment tactics. Even the Department of Education utilized many debt harassment tactics that would be considered unjust and illegal in todays world. Over the years, I made payments and at certain periods of time the account went into a deferred status and I stopped making payments for a period of time after my lawyer told me that this debt was fully discharged in bankruptcy court and that I should not have been making any payments to the Department of Education or any other entity claiming to own this account. This account eventually fell into a default status and that is when the Department of Education brought in XXXX XXXX XXXX to aggressively go after the garnishment of my wages. I elicited the help of a lawyer ( XXXX XXXX XXXX ) to represent me to the Department of Education regarding the aggressive tactics taken by XXXX XXXX XXXX and their attempt to garnish my wages. After in-depth research into my case, my lawyer crafted a letter that explained how the bulk of the original student loan was dischargeable under Bankruptcy Law ( see attached letter ) and that XXXX XXXX should not have been allowed to garnish my wages. XXXX acquired this account from XXXX which in turn took it over from an aggressive and now defunct debt collector named XXXX XXXX XXXX who were hired by the Department of Education to garnish my wages as previously mentioned. XXXX is currently showing a total current balance of {$70000.00} on a {$20000.00} original student loan that I have paid approximately {$85000.00} to {$90000.00} towards over the years since its inception, but have not been given any credit for by them. XXXX refuses to acknowledge the amounts that were garnished ( 15 % net income ) from my paycheck from XXXX to XXXX which totaled in the amount of {$49000.00} ( see attached ), not to mention the thousands of dollars I have already paid to date on this account. I feel XXXX has been highly deceptive and fraudulent with how they have represented this account. They have refused to allow me any options for the repayment of it at a reduced rate until such time that I could get someone at their company to hear my case. I have provided them documentation showing that I have paid this account in full, however they refuse to acknowledge the documents I have provided nor do they respond to any requests for an audit of this account. In addition, XXXX is actually being more underhanded and fraudulent with this account by adding onto the balance the unsubstantiated unpaid interest that they supposedly inherited from XXXX. I have also requested a lower interest rate ( currently 8.25 % ) and they have stated I am not eligible with no further explanation as to why? There are currently several lawsuits against XXXX for the very same fraudulent and underhanded practices that I have mentioned above.
Company Response:
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I noticed this debt listed on my credit report. I have never had any dealings with XXXX XXXX or its subsidiaries. I attempted to get this corrected but it still shows on my credit report.
Company Response:
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Transworld Systems is falsely reporting a medical collection for {$96.00} from XXXX that does not belong to me, that was not authorized by me, that I do not recognize, I do not owe, and could not possibly be enforced in court. Bottom line, I had zero doctors visits in XXXX and zero medical issues over that period. There is no way I ordered any medical services that could have given rise to any legitimate debt. Upon several requests, Transworld has repeatedly refused to provide any specific proof and medical records to validate this alleged collection -- in particular, they have provided no : ( 1 ) details of the contract underlying the alleged amount, ( 2 ) proof that I ordered any medical services, ( 3 ) substance and details of the medical services that are alleged to be ordered, ( 4 ) substance and details of the doctor that ordered any of these alleged medical services, and ( 5 ) substance and details of any medical conditions that would warrant or be associated with the medical services they allege were ordered. In addition, they have provided no proof the alleged medical services were in fact delivered and received, and that the alleged medical provider in fact performed and completed their duties under the alleged contract. That is a required and critical element of a valid contract -- without that, there is no contract. Having possession of some of my personal information does not verify this alleged debt ( e.g. social, address, name ) as that does nothing to substantiate the particulars of their claim. Moreover, i was one of the consumers whose personal information was hacked and compromised by XXXX -- and therefore a higher standard of verification is required. They have continuously, prejudiciously and illegally continued to verify this alleged collection with XXXX, knowing full well that ( 1 ) XXXX XXXX verification standards are extremely lax, ( 2 ) that they outsource their collection efforts to minimum wage employees in the XXXX and XXXX with limited command of English, ( 3 ) they routinely ignore consumers ' disputes and only superficially investigate, if at all, ( 4 ) they have routinely breached consumers ' data privacy and rights under the Fair Credit Reporting Act, and ( 5 ) they have been repeatedly reprimanded by state Attorneys General and federal agencies. Transworld is reporting this alleged collection to XXXX in order to wrongly extract payment on a note that it specifically knows, and should reasonably know is unenforceable and is invalid. XXXX and XXXX very quickly and expeditiously deleted this collection account when challenged. I ask that this collection notation be removed from my credit report immediately, that Transworld cease and desist, and that it agrees not to on-sell this incorrect collection. Details of notation on my XXXX credit report Transworld Systems Inc ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; Original Creditor XXXX XXXX ; Amount {$96.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$96.00} ; Individual Account ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX DE XXXX : ( XXXX ) XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XX/XX/XXXX XXXX XXXX closed my account. I started to get monthly deductions on my my military pay ( LES ). I have the LES that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my LES XX/XX/XXXX it shows the balance owed to the XXXX XXXX at XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter saying that I had a balance of XXXX. owed on my XXXX XXXX and they were collecting it. I informed them it was paid off and had my pay stubs ( LES ) to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XX/XX/XXXX to XX/XX/XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XX/XX/XXXX XXXX XXXX took my wife 's and my XX/XX/XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my military pay statement deductions. If it turns out after making the comparison between my LES 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company Transworld Systems. Can you please help me?
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was paid for on XXXX XXXX, XXXX for the amount of {$170.00}. I was informed that my balance is in XXXX. Recently I have been receiving letters from Transworld Systems Inc. indicating that I owe {$190.00}. I contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial department to inform them, and they assured me that they had contacted the company XXXX times to inform them that my balance is XXXX and that I should n't worry. I have received a total of three letters so far still trying to collect the amount mentioned above. I would really like them to stop. Since it 's the weekend, I ca n't contact them by phone. pd. Money Order # : XXXX XXXX {$170.00} / Provide me an email where I could send a fax or email to be able to send proof of all receipts.
Company Response:
State: PR
Zip: 00729
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A