Date Received: 2017-12-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I started paying back money I owe to a company the collection agency ( Transworld Systems , Inc. ) was working on their behalf. I still owe one more payment ( {$57.00} ) when the collection agency disguise themselves as a contact from my personal cell phone list. It appeared as a work number from one of my friends. When I opened it, I recognized the number from collection agency. It began on XXXX XXXX to the present.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN
Company Response:
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX. You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Since I reached a settlement on my private student loans with XXXX XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX I have made an initial payment to XXXX XXXX XXXX XXXX and, I have made regularly scheduled montly payments as well through XXXX XXXX 'XXXX website ever since. XXXX XXXX is now XXXX XXXX XXXX. XXXX XX/XX/XXXX as I was trying to make another regularly scheduled online payment I received an error message for only one of my file numbers ( XXXX at {$74.00} a month payment ) that I pay my student loans on. The website said, " Invalid file number, last name, and or zip code. Please enter valid information or call our office for instructions ''. XX/XX/XXXX I called XXXX XXXX XXXX XXXX and they said XXXX XXXX XXXX their client pulled the loan back on file number XXXX. I asked for contact information and documentation. They told me to please contact XXXX XXXX XXXX at ( XXXX ) XXXX. I called XXXX XXXX XXXX at the phone number provided, but it rang and rang before going to voicemail. I left many voice mails between XX/XX/XXXX and XX/XX/XXXX, but I did not receive a response. XX/XX/XXXX I called XXXX XXXX XXXX XXXX around XXXX XXXX Arizona time and I spoke to XXXX XXXX. XXXX XXXX gave me another number to contact which was XXXX and transferred me to a voicemail for an attorney named XXXX XXXX after I asked for documentation. I was told she would get back to me quickly. XXXX XXXX 's phone number is XXXX ( XXXX ) XXXX extension XXXX. I left a voicemail but did not hear back quickly. XX/XX/XXXX I called XXXX and was greeted by XXXX XXXX at Transworld Systems Incorporated. XXXX was very nice and was confused as to why XXXX XXXX XXXX said they were no longer collecting payment. XXXX gave me another number for XXXX XXXX XXXX at XXXX. XXXX said he spoke to his boss who was calling XXXX XXXX XXXX to try figure out why XXXX was no longer collecting payment on file # XXXX and that XXXX would get back to me quickly. 4 hours later no phone call as promised from XXXX at Transworld Systems Incorporated. My complaint is I feel trapped that these intertwined companies are trying to trick me into breaching my settlement so that I will forced to pay the full amount on my agreement, instead of the negotiated agreement, by passing the buck/responsibility, and playing a game of guess where the loan is so I ca n't make a timely payment. I have not received documentation that file number XXXX has been transferred back to client XXXX XXXX XXXX in connection to XXXX XXXX XXXX. Despite receiving numerous phone numbers for XXXX XXXX XXXX from XXXX and Transworld Systems. I have yet to have anyone from XXXX XXXX XXXX contact me by phone, email, letter, or text and I have yet to get a phone number that works in terms of reaching someone at XXXX XXXX XXXX. Transworld Systems Incorporated claims they do n't know what is going on even though they are on the checks cashed by XXXX, they were able to look up my file, and while XXXX XXXX was helpful in terms of giving me phone numbers I did not receive a phone call back as promised from Transworld Systems Incorporated. XXXX XXXX XXXX while answering my phone calls has not provided proof my loan has been pulled back by their client XXXX XXXX XXXX whom they were collecting payments on Student Loans for from me. All contact numbers they gave me besides Transworld Systems Incorporated did not work for XXXX XXXX XXXX. Please help me get some clarity on what in the world is going on with my student loan for file number XXXX. I will attach the original agreement including the other file numbers for loans I am paying on time per a monthly basis. Along with proof of payments and the error message that showed up I took a screen shot of today on XX/XX/XXXX. This was the same error message that popped up on XXXX 's website on XX/XX/XXXX. I believe these private student loan companies are using Federal Student Loan Protections for them while not adhering to Federal Student Loan guidelines for protecting borrowers. I was harassed into signing a settlement that took months to agree upon and put my life on hold despite the loans surpassing the statue of limitations in Arizona where I was born and have always lived. Lucky for these Private Student Loan Trusts, Companies, and Collection Agencies they can base statue of limitations on whatever state they decide such as Ohio. A state I have never lived in. These Private Student Loan enterprises blur the lines of community property states to scare us by threatening to come after spouses who had nothing to do with the loan and were not around when the loan was taking out, file false claims in court, try to get XXXX XXXX, and only when you challenge them you are told by your lawyer that the law protects them not you so you have to settle. Just for the grand prize of only you are charged for less exorbitant fees and conditions. However, the XXXX XXXX XXXX XXXX and Trusts try trick you and not hold up to their own agreement by shuffling who owns the loan in shell companies and trusts they create. This allows them to add fees and rack up the loan costs exponentially. None of this is fair lending at all and is outright deceptive debt collection practices. Help me please!!!!!! XXXX XXXX in XXXX, Arizona ( XXXX ) XXXX
Company Response:
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well. The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. XXXX, NY 140-1License required. " No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Company Response:
State: NY
Zip: 14213
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: ( 1 ) XX/XX/XXXX - received a letter from my previous student loan holder ( XXXX XXXX XXXX/XXXX ) that they sold my loan to XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX XXXX . Tried to contact both for updated billing statement but XXXX " could not find me in the system anymore because of the transfer. While XXXX " could not find me because it 's a new account. '' ( 2 ) XX/XX/XXXX - received the first bill from XXXX already stating I owed more than what 's due because of a late payment from XXXX record ( which by the way, no one can find proof of, and my bank shows on-time ( not late ) payments sent by ebill. Usual due payment is {$170.00}, but I had to pay them {$190.00} for a late fee of {$20.00}. After so many back and forths with both companies who still could n't find me but was quick to tell me how much I owed, I paid the higher amount while they promise refund after due " investigation. '' ( 3 ) XX/XX/XXXX came with multiple bills from XXXX : - 1st statement : XX/XX/XXXX showed the correct due amount of {$170.00} with {$0.00} additional Fees Due. - 2nd statement : XX/XX/XXXX showed an on-time payment of said {$190.00} from the previous month ( XX/XX/XXXX ) and a due amount {$150.00}, but there 's an additional Due Fee of {$20.00}. Now, I 'm confused. - 3rd statement : XX/XX/XXXX showed same info as above XX/XX/XXXX - 4th statement : XX/XX/XXXX showed same info again as above XX/XX/XXXX. ** all these statements have different tracking Document ID numbers ** ( 4 ) XX/XX/XXXX XXXX bill came with interesting charges : - statement XX/XX/XXXX showed an early receipt ( XX/XX/XXXX ) of last month 's payment of {$180.00} ( more than what 's due ) ; an added Due Fee of {$20.00} ; and a total due amount of {$240.00}!!! So, I paid early & more than what 's due from the previous month bill, and then I get hit with extra charges! - I called customer service who was struggling so much looking for me on file. He knows I owe, and have, late fees ( which he could n't explain why ), but he ca n't find anything else, or he has " no access to my information. '' After several more back and forths, and multiple requests to speak to someone else or his supervisor, he finds me in the system! He confirms they received my payment on-time as I confirmed with my bank, and states " it was an error in their system upgrade. '' Bids goodbye and gives a promise it wo n't happen again. ( 5 ) XX/XX/XXXX bill was not improved. - statement XX/XX/XXXX showed early/on-time receipt of previous month 's payment of {$180.00} on XX/XX/XXXX. Showed {$0.00} Fees Due. But a Past Due Amount of {$84.00} and Total Due of {$260.00} - I call again. The same painful situation of " sorry ma'am, I cant find you in the system '' despite trying multiple personal data that should be on the record. She even went as far as asking me where I went to school? ( does not matter! ). After, yet again, another painful extended period of time on the phone, asking for the supervisor, she finds me! Confirms receipt of payments on time and apologizes for " upgrading system in error. '' She confirms due amount should only be {$170.00}. Supposedly corrects the problem, and this wo n't happen again. ( 6 ) XX/XX/XXXX comes along with yet another wrong bill. - statement XX/XX/XXXX : shows on-time payment again with the amount paid more than what 's due ( XX/XX/XXXX, {$180.00} ). {$0.00} Additional Fees. Past Due Amount of {$81.00}. Total Due of {$250.00}! - Customer service briefly struggles to find in their system, and again uncertain what the extra charges were for. Speaks with her lead and tells me they are aware of the problem and cant do anything about it until XXXX XXXX XXXX XXXX tell them something. CSR continues to say XXXX is just the billing system. I cant even find a contact number for XXXX! So in the end, I was told again only to pay whats originally due ( {$170.00} ) and ignore other charges while XXXX XXXX XXXX investigates the matter. Meanwhile, these " past due charges '' are increasing by the month! As you can see, I pay on or before due dates of each month, and a little extra for principal payment ( {$180.00} instead of the due {$170.00} ). How many times must I call to correct this problem? How much stress and harassment must I endure to correct this problem while the supposed unexplained " past due charges '' increase? I am certain I am not the only one being billed erroneously. This can account for thousands, if not millions, of fraudulently collected money. Please help! Please advise. Thank you.
Company Response:
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2017-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me a bill. I paid them consecutively {$50.00} for 3x in a row and continued getting " last notice '', " your account will be sent to a collection agency ''. When I repeatedly called them, they said " that was not enough ''. The bill is now down to {$840.00}. I made 3 payments : 1 ) XXXX {$50.00} 2 ) XXXX {$50.00} 3 ) XXXX {$50.00} Somewhere after XXXX I received a final notice and my bill was sent to collections. It now sits with Transworld Systems Inc. for collection. I can never reach the hospital, they are ridiculous. I do n't believe I should have been sent to collections if I was making repeated payments, and on time!
Company Response:
State: MA
Zip: 01826
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sent a letter asking the company to validate the account on XX/XX/XXXX and they sent me a bill from the original creditor with a XXXX balance. They are still requesting me to pay XXXX and they are still reporting on my credit reports.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: For the past month, I have received several daily phone calls from Trans World Systems , Inc. ( XXXX ) I have spoken to several agents and told them repeatedly that I am NOT the person they are trying to reach. I have spoken to agents when they call and I have even given them the phone number of the person they are attempting to contact ... .all to no avail. I was assigned my phone number through XXXX XXXX three years ago. Since that time, I have been contacted by banks, credit card firms, resorts, insurance companies, etc. all looking for the same person. I found that person by simply XXXX the name and I pass that information on. I am sick and tired of getting phone calls from this company day in and day out.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-05
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: A loan unknown to me, because I never pulled a private loan was sent to collections and marketed my credit score. XXXX XXXX XXXX is claiming a {$15000.00} in collections from a loan I pulled 2years ago. I have been out of school for over 10 years, paying all and any of my loans through XXXX. I feel as if this is fraudulent and needs investigated. Please help. XXXX
Company Response:
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A