Date Received: 2017-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems continues to call my home multiple time a day in search of people I do not know. I was given my home phone number by the phone company when I moved to this city, and I have no knowledge of the p eople who previously had this number.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it. They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''. They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer. I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option. I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.
Company Response:
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was being called non stop about my medical bill that XXXX XXXX has sent to tsi. I never received a bill until XXXX the XXXX. I paid for the bill on XXXX the XXXX and asked to receive a recipet but still never have I called today as well and got no answer its been a month I 'm very upset and feel this is a scam only.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX, I received notification that my federal Perkins loan Account # : XXXX, was approved for a Deferment. The letter also indicated that a payment of {$50.00} was due for interest accrued on the Federal Perkins loan. The loan period referenced for the deferment is XX/XX/XXXX. My school XXXX University has requested that I provide a default clearance letter, in order to be eligible for financial aid during the next enrollment period. I was advised by several representatives at XXXX XXXX XXXX that they would be unable to provide a default clearance letter, until the payment of the interest was made to XXXX XXXX XXXX. I am submitting a complaint about the handing of my loan, because the student default letter is being denied, although I have been approved for a deferment of the entire Perkins loan referenced above. I believe that XXXX XXXX XXXX is unfairly withholding the default clearance, based on fees that should be included in the terms of the deferment according to the department of educations definition of a deferment. I was also provided with false information by the agent on XX/XX/XXXX. The agent I spoke with stated that a deferment and a default had the same meaning, and that my loan would continue to be reported as default, although it was approved for deferment. If the terms of the Federal Perkins loan are based on the signed promissory note, it should state the terms specified by XXXX, in reference to the definition and polices of a granted deferment. Definition of default based on www.studentaid.ed.gov : Failure to repay a loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. You may experience serious legal consequences if you default.
Definition of Deferment based on www.studentaid.ed.gov A postponement of payment on a loan that is allowed under certain conditions and during which interest does not accrue on Direct Subsidized Loans, Subsidized Federal Stafford Loans, and Federal Perkins Loans. All other federal student loans that are deferred will continue to accrue interest. Any unpaid interest that accrued during the deferment period may be added to the principal balance ( capitalized ) of the loan ( s ).Company Response:
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2017-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX I was shopping wh en my XXXX XXXX debit card was declined. I reviewed my account on line and identified several transactions which were not mine. I notified XXXX XXXX i mmediately, the card was cancelled ( and a new card issued ) and I was assured I would not be liable for the charges put through. XXXX of the charges were associated with XXXX transactions. I do not have ( nor ever had ) a XXXX account.
Today ( XXXX / XXXX / 17 ) I received a debt collection notice fro m Transworld Systems , Inc. I hav e never received a bill or any prior notice. Demanding payment for the XXXX individual charges of {$13.00} each plus fees for a total of {$44.00}. I dispute this debt. I did not use XXXX , have never had a XXXX account and am unwilling to pay for charges generated by a criminal who obviously hacked my card.Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have been paying monthly installments to a debt that I had let go to collections. For the past year and a half I have been paying {$300.00} to TransWorld Systems Incorporated to pay off a debt of ~ {$16000.00}. I set up automatic withdrawals with TSI and I had received monthly invoices giving me notice of adjusted balance. This month ( XXXX , 2017 ) I looked at my credit report and it noted that specific debt had been closed out ( a total of ~ {$12000.00} at this point ). I also noted that I had not received notice of automatic withdrawal. The regular amount of {$300.00} was still withdrawn from my account. I want to inquire as to why I am still having money removed from my account when the debt has been closed on my credit reports, and I want to inquire if it is reasonable that I have not received notice of the most recent automatic withdraw?
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2017-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX reached out to me to attend their XXXX XXXX program. I expressed to them that I have XXXX and would not be able to secure employment. They assured me that would not be a problem and that I should begin the program. I completed the program in 2013. I have not been able to secure certification nor gain employment in the area in which I trained because of my XXXX . I was made aware that the federal government shut the school down and offered forgiveness to previous students due to misrepresentation and fraudulent programs and guaranteed employment. To date, I have not been able to address the issue and have not been able to receive forgiveness for my loans that I have been paying on.
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2017-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX at XXXX XXXX from phone number XXXX ( XXXX ) XXXX Transworld system attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of XXXX XXXX XXXX XXXX XXXX services. This is starting up I feel because I have in placed a formal review with XXXX for the negitive reporting done by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on XX/XX/XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my past XXXX ( XXXX ) Federal t ax returns. These payment are made directly through EFT to this company out of my XXXX check from SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2017-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have received repeated calls from Trans World Systems, the last call was received on XXXX / XXXX / 2017 at XXXX from XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor, XXXX XXXX XXXX XXXX , and received XXXX notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under XXXX different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.
Company Response:
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2017-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A