Date Received: 2017-05-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a few collections on my credit report and after I looked into them, to find out what they were about, ( XXXX XXXX ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor ( XXXX XXXX ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around XXXX XXXX ). I called the collection agency ( Transworld Systems ) and told then what I was told by XXXX XXXX billing dept and they sad " sure if they ( XXXX ) agreed to remove it we can ''. On XXXX XXXX I paid Transworld for both of the collections ( One for {$70.00} and the other for {$230.00 } ). I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from XXXX the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.
Company Response:
State: NM
Zip: 87002
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We took our daughter to XXXX XXXX XXXX XXXX in XXXX PA once in XXXX XXXX and once in XXXX XXXX for emergency care. When we registered at the ER we provided our current address and phone numbers. We received bills from XXXX and paid what was not covered by insurance, every bill that was sent to us. Fast forward to XXXX XXXX , we apply for a pre-approval on a loan only to find out that XXXX has sent t 2 i nvoices for us into collections around XXXX XXXX . i called the collections agency Transworld only to find out that the invoices and correspondences about the debt were being mailed to an address that we had lived in 6 years previously. We had XXXX address changes since we had lived at that location. No one from XXXX XXXX ever contacted us directly about these invoices and we regularly receive care from XXXX . Anytime we went in for a check up we were told our account was current, we would receive a bill and we would pay it. Transworld also never made any actual attempts to contact us stating, that they too were sending letters to our old address. They also claimed to have called my cell phone numerous times which was a flat out lie, unless it was an automated call which i would have hung up on without listening to. We have paid the {$150.00} on XX/XX/XXXX when it was brought to my attention but XXXX XXXX will not own up to their error and assist us with purging our now ruined credit report. In fact, the XXXX representative XXXX raised her voice to my wife and was unwilling to listen or assist us in any way. I will not stand to have my credit ruined over a clerical issue. XXXX /Transworld can expect to be hearing from a lawyer shortly.
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
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 have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member. Upon getting my life back together, I completed the rehabilitation program and paid 9 consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are XXXX l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam. I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took out a loa n from My Rich Uncle i n XXXX , which was taken over by Younomics. In XXXX , I joined the XXXX XXXX . Pursuant to the Servicemembers ' Civil Relief Act, my lender should reduce my interest rate to no mo re than 6 % - they refuse to do so. I am currently being charged 10.75 %, and am still on XXXX XXXX . I have consulted my installation legal attorney, who suggested I file a complaint with the CFPB.
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX of XXXX I was granted deferment on my loans when I enrolled full time in school. XXXX of XXXX I began receiving letters that my loan payment was overdue. I tried for one week to get answers in regards to these notifications, but every time I called the " system was down '' and they could not bring up my information and assured someone would call me back soon. Finally, on XXXX XXXX , of XXXX I was assured that my account had always been in deferment and I was to ignore the emails and letters. Today, XXXX XXXX XXXX , I was informed that my co-borrower has received notification of payments being over 160 days past due and that consequently their credit has been negatively impacted. When I called the company today I asked to speak immediately to a supervisor. The phone called last for 21 minutes, 19 of which I was on hold. The supervisor came to the phone to tell me the " system was down '' and she could not pull up the necessary account information. I demanded someone return my call today because this was not a matter that could be ignored any further and she laughed and said that would not happen. Additionally, I have never had a smooth transaction with this loan company. I was so happy to get out of business with XXXX and switch to my credit union because I thought I would n't have to worry about being conned. Each time I have requested sums from my loan there has been some sort of issue ( i.e. the database showed I had exhausted funds when I still have {$12000.00} left, the payments were late to the school thus causing me to be locked out of my school accounts ) . I have always paid my loans on time and with no issues. I would simply ask the same out of the company I will be indebted to for the next twenty years of my life. I have always treated representatives with respect and appreciation for their help. But today, enough is enough. My co borrowers have now been impacted but irresponsibility I have no control over.
Company Response:
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a correspondence from this company ( Transworld Systems Inc ) dated XX/XX/XXXX , that stated they will make a request to have this account/item removed from my credit file. As X/XX/XXXX , this has not happened. On X/XX/XXXX I filed a complaint with the CFPB case number XXXX and the company responded stating that they have requested to have the item deleted from credit file. The account on these correspondences is XXXX . They continue to report this item/account to the credit bureau ( s ) with an account number as XXXX . On XXXX I sent another correspondence to this company, which they received on XXXX per XXXX tracking. As of X/XX/XXXX I have received no reply or correspondence from this company, but they continue to report to the credit bureau ( s ). The company also sent me a copy of a promissory note. In my correspondence I requested the original wet ink signature document as the copy may be a forgery. 1. What is the alleged account number XXXX or XXXX ? The company reports with both of these numbers. On the letters received it is listed as XXXX , but on credit report as XXXX . 2. Why is the company using XXXX different account numbers? Seems to be unlawful and fraudulent activity. 3. Can the company provided the original wet ink signature document ( pr omissory note )?
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A couple of days ago, XXXX XXXX XXXX , I go to check my credit report and was surprised to see that I had XXXX duplicate accounts in collections from the same company, XXXX XXXX XXXX , for the same exact amount from the same original creditor, XXXX . I was livid because I felt as though they were being deceptive with their reporting and wanted to try to get me to pay twice. I got their number online and called them in hopes that they would help clear this matter up. The person that I spoke to was no help. He said that it appeared to be a duplicate but there was nothing he could do to help at that time. If I have to, I 'll consult with an attorney about what steps can be taken to get this rectified but I would like to get this taken care of on my own.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX . 30-day and 60-day delinquencies were reported in XXXX and XXXX of XXXX , respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent b y U.S. Mail to loan servicer XXXX XXXX XXXX XXXX , XXXX XXXX " XXXX '' ) on XXXX XXXX , XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. In XXXX XXXX , I contacted XXXX and XXXX regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request. XXXX even questioned the veracity of my explanation.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection letter from Transworld Systems. They allege I owe {$61.00} in an account # XXXX. I do not owe this alleged debt. I called Transworld Systems to dispute this alleged debt and they were rude and hostile towards me and their agents hung up on me. They are flagrantly violating the Fair Debt Collections Practices Act with their hostile debt collection tactics. I do not owe them any alleged debt, nor do I want any further communication from them. I do not owe this alleged debt. Their debt collection tactics have cause me emotional distress. I do not want any further communication from Transworld Systems in any form.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XXXX XXXX I made a dispute requesting the last four years of statements. Emailed received said that they can't provide the last four years of statement. On XXXX XXXX requesting proof before XXXX . You'll have to contact TSI and ask. Is XXXX XXXX representing you in regards to this account? If you have retained an attorney, I can only speak with your attorney going forward. XXXX XXXX XXXX Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [ XXXX ] Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute How would I know whether XXXX decides to consider settlement in XXXX ? -----Original Message----- From: XXXX XXXX [mailto: XXXX ] Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF Subject: [Non-DoD Source] RE: Dispute In order to stop the garnishment you have to pay the balance in full. Payment plans will not stop federal offsets. If the garnishment has started and XXXX decides to consider settlements in XXXX , yes, paying a settlement in full would stop the garnishment as doing so would remove the lien attached to your social. Thank you, XXXX XXXX XXXX Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [mailto: XXXX ] Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute What is the amount that I have to pay? Once the garnishment start can I make a offer in XXXX ? -----Original Message----- From: XXXX XXXX [mailto: XXXX ] Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF Subject: [Non-DoD Source] RE: Dispute The only way to prevent garnishments of federal funds is to pay the account in full. The lien on your social will remain in place until the debt is satisfied. Thanks, XXXX XXXX XXXX Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [ XXXX ] Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute What can I do to avoid the garnishment off my XXXX XXXX until I can make offer in XXXX ? XXXX XXXX XXXX LDTA XXXX DSN XXXX -----Original Message----- From: XXXX XXXX [mailto: XXXX ] Sent: Friday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF Subject: RE: Dispute Everything was requested on XX/XX . Thanks, XXXX XXXX XXXX Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [mailto: XXXX ] Sent: Friday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute I want some kind of proof before XXXX . I would like a copy of the statement that you send me for this debt from your company and XXXX XXXX statement. -----Original Message----- From: XXXX XXXX [mailto: XXXX ] Sent: Thursday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF Subject: RE: Dispute We cannot provide the last four years of statements; however, Proof of Debt was requested on XX/XX/XXXX and will be sent to you by mail. It was also mailed in XXXX XXXX XXXX . Thank you, XXXX XXXX XXXX Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [mailto: XXXX ] Sent: Wednesday, XXXX XXXX XXXX XXXX XXXX To: XXXX Subject: Dispute Please forward the last four years of statements. Account number XXXX . XXXX XXXX XXXX
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A