Date Received: 2017-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or about XX/XX/XXXX this collection agency was reporting as XXXX, I disputed this information as not my debt and the item was deleted from my XXXX report. This same information is reporting again in XXXX with Transworld Systems as XXXX, the information was reported again with the same collection information as the deleted information. Additionally, the collection agency never sent any written notification of this alleged debt.On or about XX/XX/XXXX, this agency confirmed to XXXX that this debt was valid.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX from XXXX XXXX XXXX calls repeatedly about a Dental bill, that I keep telling him that the amount owed is correct. He refuses to document the file and send the claim back tot he dentist. He calls atleast six ( 6 ) times per day. I spoke with XXXX gian today and explained that the amount owed can not be correct and that I would like a statement of account to review. He told me that I needed to listen to him and do what he says or he will not resolve my account.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XX/XX/XXXX I had to hire an attorney to help me with a civil lawsuit for some very old private education loans because I was being sued for 8 separate private student loans originally taken out from XXXX XXXX between, XX/XX/XXXX and XX/XX/XXXX. My attorney worked on my case for over a year to prepare us for court, but though I knew I had never made ay payments and believed the loans to be too old to collect on, compounded with the fact that they had changed hands numerous times between the time I took the loans out from XXXX XXXX to the time the XXXX XXXX XXXX XXXX XXXX sued me, my lawyer decided I should settle with the collection agency and agree to pay the loans as well as the incredibly compounded interest. We never even went into a courtroom. No one ever produced any paperwork signifying they owned the loans, that the loans had not already been charged off by XXXX -- I had told my lawyer I had had to pay additional taxes one year because of charge off notifications. Decisions were made about my future and my children 's future in a little room where I was not invited in and I was handed a judgement in XX/XX/XXXX of graduating monthly payments to be made, seemingly, forever. I began making payments and by fall of XX/XX/XXXX, my payments were now going to yet another collection company by the name of XXXX XXXX XXXX. My bank denied the payments to XXXX XXXX XXXX at first because it was an unannounced and unfamiliar company seeking the funds from my account. I revised the payment methods with some hiccups due to their not being able to access the funds from my savings account -- where I was transferring part of my check from work every month to make the payments -- and eventually began making payments now to XXXX XXXX XXXX. I made payments to them from XX/XX/XXXX to XX/XX/XXXX at which point the payments were too much for me and thinking back to a closed-door conversation with a lawyer wherein he told me if it got to be too much I could declare a bankruptcy because the private student loans were now a in a judgment, I stopped making payments thinking that would be the route I would have to go in order to keep my head above water for my children and myself. In XX/XX/XXXX I met with a lawyer who told me I could not discharge the debt but since no one had been in touch about the payments to wait and see if they got in touch. As it happened, in XX/XX/XXXX a friend sent me the article in the XXXX about XXXX XXXX XXXX and the lawsuits against them because of lack of paperwork and trying to collect on loans that were too old. I sent that article to both my attorney from the lawsuit and to the attorney I had hoped would be able to help me discharge the judgement. I did not hear back from either one. On XX/XX/XXXX the offices of XXXX XXXX XXXX attempted to garnish my wages through the State of CT Superior Court in XXXX XXXX for this very same XXXX trust debt. I submitted a claim of exemption form with a description of the circumstances involved and attached on article outlining how XXXX and its affiliates are currently barred from collection actions due to the ongoing audit on their portfolio of XXXX, XXXX private student loans. I have subsequently been given a court date to provide evidence to support my claim that there was the possibility of illegality in the way in which I was sued for payment for outdated loans.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-25
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Back in 2015 XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring XXXX XXXX XXXX, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It wasn't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by XXXX XXXX XXXX on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since 2015. They have taken over $30k from me unlawfully. Also, XXXX XXXX XXXX has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact XXXX XXXX XXXX several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX claimed that I owed them XXXX possibly XX/XX/XXXX. After retaining funds from two banks accounts, along with the payment made XX/XX/XXXX. This debt was paid in full ( and then some. ) I received a letter today from Transworld Systems Inc. stating that I have a collection account due to non-payment. This is false information as this debt has been paid in full ( on 3 various transactions, through XXXX, XXXX XXXX, and XXXX. ) I also have the letter from XXXX XXXX, at XXXX stating this debt has been PAID IN FULL.
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2017-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed a collection with XXXX several times in the past year. The collection agency is Transworld systems Inc. XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with XXXX several times in the last few years. Every times it comes back as verified by XXXX. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor XXXX XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. I have informed Both XXXX and Transworld Systems Inc. That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.
Company Response:
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: The original loan was with XXXX and then that company went bankrupt. The loan kept gaining interest and it was not communicated to me who was the owner of my loan and what was happening with my loan. I did not know who to contact. Now, XXXX is the owner but they are hard to contact because they do not list a telephone number or who their staff is.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A