Date Received: 2017-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I settled on 2 loans by XXXX XXXX XXXX XXXX but I am not sure if I own the loan, I do n't have any paper work proving I own the loan and they did not provide any information after I asked many times.
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2018-01-04
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 was paid
Consumer Complaint: Transworld System Inc has contacted me three times, once at home and twice at work. All three times I have informed them that I paid XXXXXXXX XXXX XXXX and they keep telling me it is not paid. The amount in question is XXXX Dollars. XXXX XXXX received it no later than XXXX XXXX, 2017
Company Response:
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Apparently a company called TSI has made repeated calls to my parents home phone after being repeatedly told that this not my phone number. Additionally I know nothing about this supposed debt and have not been provided anything whatsoever in writing.
Company Response:
State: CA
Zip: 95688
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been in good standing on my variable rate loan for the past 10 years that has been on autopay the entire time. In XXXX XXXX I received information that my student loan has been purchased and will be serviced by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The letter stated that I would not notice the difference, the transition would be seamless, and my auto pay will still be active starting XXXX XXXX. The first payment was never taken out of my checking account. XXXX stated that this was a computer issue and would be corrected next month. Well months later and the autopay is still not working and they are telling me that for XXXX it should work. I noticed another error 3 weeks ago when my XXXX payment was never taken out via auto pay. My interest rate starting showing XXXX XXXX in XXXX XXXX, when it has been XXXX XXXX for the past several months. When I inquired about the interest rate change they stated it was because it was variable that 's why it went up. After reviewing my loan documents and history of interest rate changes, I figured out that my account with XXXX was not reflecting the XXXX XXXX interest rate reduction I was entitled to. I inquired with them on this issue around XXXX XXXX, when they contacted me to inform me that my payment was never received via auto pay. The customer service rep. stated that this was an IT issue and will be corrected in the next few days and would receive a follow up call. A week we by and I never received a phone call, so I started emailing the company to have a paper trail. On that email response they stated that my interest rate went up because of the rise in interest rates, which is false. On XXXX XXXX, I called to follow up on the interest rate problem. I spoke with a manager for over 40 minutes explaining everything that happened over the past several months and she stated that she would work on the issue and call me back in 3-4 days tops. I followed up today XXXX/XXXX/XXXX, since I have not heard anything from the company. Today I spoke with another rep today and told him everything that happened over the last few months. His first replay was that it should go down to XXXX XXXX after my first auto pay kicks in. I was told 4 different things in the past month and nothing was fixed and it still shows XXXX XXXX online. He stated that he is in a room with other customer service reps and really can not do anything. All he can do is write this up and send it to IT. I am completely fed up with this company and lack of transparency. I have been paying this loan for over 10 years and have never missed a payment. This company bid of the loan handing services and does not have the resources to handle the job. They are incompetent and should not be allowed to service student loans.
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2017-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I received a call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XXXX XXXX XXXX XXXX took our my normal automatic withdrawl for my student loan in the amount of {$220.00}. They then also took out another {$220.00}. On their files it said that they then paid back the double debit from my account, refunding me {$220.00}. The records from my bank show that a debit was taken on {$220.00} on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX with no refund given. I first called their company on XXXX XXXX, XXXX and was told to send an email to customer service along with my loan number. I did this that same day and and email was sent back saying that it was being forwarded to an account XXXX and I would hear back from then. I then called again on XXXX XXXX, XXXX as well as XXXX XXXX, XXXX with no progress made and got no answers. During the XXXX XXXX called the representative advised me to not make my XXXX XXXX payment. I did this as a XXXX time non-payment with it saying no money was due. Since that time no money has been refunded, no principal has been taken off of my loan amount, interested has continued to incur on my loan, and I have not had a reply email or phone call from the company. I emailed them also on XXXX XXXX, XXXX as well as today, XXXX XXXX, XXXX with no response.
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2017-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX ( XXXX XXXX XXXX ) contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing it.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I first sent a certified letter to XXXX on XX/XX/XXXX and I received no response. The second letter was sent on XX/XX/XXXX which instructed me to contact Transworld because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted Transworld in XX/XX/XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Company Response:
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THIS ACOUNT SHOWED UNDER MY XXXX AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.
Company Response:
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you
Company Response:
State: NJ
Zip: 08721
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A