Date Received: 2017-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I had a medical emergency in XXXX XXXX NV. As a result, I was admitted to XXXX XXXX Hospital. I have XXXX XXXX Health Plan, which requires a {$50.00} co-pay for emergency visits. I fulfilled my financial obligations and paid {$50.00}. Since XX/XX/XXXX, I have been receiving monthly bills from XXXX XXXX Hospital and from their XXXX department, XXXX XXXX XXXX, XXXX PA. The initial bill of {$30000.00}. was paid in full by my insurance company, XXXX XXXX. However, XXXX XXXX XXXX continues to send me an outstanding bill, in the amount of {$1600.00}. I contacted XXXX XXXX department on numerous occasions. Each time, the XXXX XXXX department informs me to disregard all billing, and to discard any bills received. Yet, the bills continue. I filed multiple grievances with XXXX XXXX XXXX regarding the continuous bills I receive. Now, this outstanding bill of {$1600.00}. is now in collections, which affects my credit rating score. This matter is between XXXX XXXX and XXXX XXXX XXXX, and should not involve me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This debt should have been handled several years ago and I am still receiving threading calls to garnish wages and had the police show up at my house. I have now been forced to pay on a collection {$300.00} per month. They are saying that I owe a total of {$47000.00}
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Every day, this company calls me at least 3-4 times a day. It started as two calls and then went up to three calls a day and now they sometimes call me as many as 5 times a day, all usually made before XXXX. Sometimes they call from the same number, other times they call similar numbers ; for example, one number they call me from often is ( XXXX ) XXXX and another they often use is ( XXXX ) XXXX. They 've also used ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX as far as I know. On XX/XX/XXXX, I received a two calls from Transworld Systems Inc. I answered the second call at XXXX XXXX. They informed me of who they were and I requested for them to not call me. The following day, on XX/XX/XXXX, I received another call from them, but this time the number was blocked. I asked who it was, they said they were a debt collector from Transworld Systems Inc, I immediately hung up. I answered another one of their calls on XX/XX/XXXX at XXXX XXXX from phone number ( XXXX ) XXXX, asked them what they were calling in regards to. They told me they were a debt collector from Transworld Systems Inc. I told them to stop calling me. On XX/XX/XXXX at XXXX XXXX they called again from another phone number. I asked who they were and they told me they were a debt collector. When I asked what company they were collecting for, they hung up. The following day, XX/XX/XXXX, they called from the same number ( ( XXXX ) XXXX ) 4 times before I answered their call at XXXX XXXX. I asked them, again, what company they were with. They told me XXXX XXXX XXXX. I told them once again to stop harassing me and hung up. They have woken me up on numerous occasions and several times within the same morning due to the number of times they call. It has gotten to the point where I now keep my phone on silent, which has resulted in me missing very important phone calls ; two of which were job opportunities. I can send screenshots of the call logs if needed. I can also provide further details for specific calls.
Company Response:
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of {$930.00} with XXXX, XXXX and XXXX credit agencies. I requested verification of the debt and account however the business failed to provide adequate proof that I owe TSI. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt to TSI
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed the balance of {$30.00} with XXXX XXXX XXXX XXXX XXXX, requesting documentation that bear my signature that agreed to this charge. It has been over 4 months with no documentation being sent from them. I have contacted them several times over the course of the 4 months with no solution. Now, I receive a collection notice from TransWord Systems Inc - I am filing this report with the CFPB to alert the illegal practices of XXXX XXXX XXXX XXXX XXXX for ignoring the request for validation of debt which is a direct violation of Federal Collection Laws. If Transworld or XXXX XXXX XXXX XXXX XXXX proceeds on inserting this to my credit report, civil ligation will result.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Thursday, XX/XX/XXXX XXXX XXXX When I was in XXXX school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, XXXX, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in XX/XX/XXXX ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a XXXX and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked XXXX to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am XXXX XXXX ). Which I consider to be a threat made simply because I asked questions.
Company Response:
State: CA
Zip: 93001
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello all, This debt is based up on my XXXX XXXX which I stopped using it two months after getting it. Now, I receive this debt with an amount of XXXX USD even though I had the XXXX XXXX device at home. I would like to receive details of the amount that the company XXXX XXXX XXXX XXXX XXXX XXXX is asking me to pay. I will appreciate receiving information about it. The letter was received XXXX XXXX,2017 from Transworld system Inc based on the debt had with XXXX XXXX XXXX XXXX. Best Regards, XXXX XXXX XXXX
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I was in a Chapter XXXX bankruptcy that was XXXX in XXXX of XXXX. A few months later I started receiving collection letters about student loans. I spent hours on the phone trying to sort it out since I had n't received any other notification from any of them. XXXX XXXX XXXX did not want to give me the information regarding the lender and said I had to work with them. I tried contacting chase to get it squared away and thought I had it set up on deferment. In XXXX I got a letter from XXXX and XXXX XXXX offices stating I was being sent to collections. The man on the phone was very rude and I asked multiple times for the information for the company that had the loan and what exactly it was for. I said that I had already worked with the lender and he said that I had to set up payments. He had me concerned that I would have my wages garnished so I started trying to negotiate with him and when I told him there was no way I could afford those payments he got even more pushy. I told him I was at work and could n't do this at the time. I have since received a couple other calls and a letter from an attorney stating a suit has been filed against me and they would like to represent me. I have yet to receive anything about this suit and ca n't seem to get in touch with anyone that will help me. The amount on the letter is {$10000.00} and the letter from the law firm is dated XXXX/XXXX/XXXX. Letter came in my former name of XXXX. I do not find it fair that I did n't get any notification until an attorney is involved.
Company Response:
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The initial bill was for a legitimate medical fee. XXXX and XXXX XXXX could not agree on which insurer was responsible. Time elapsed. Finally paid the bill but check was returned to my bank. Subsequently have received multiple letters from a collection agency even though I paid the bill on XXXX XXXX, 2017.
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been contacting/attempting to contact XXXX XXXX of Trans-world Systems Inc. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me. I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims XXXX returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A