Date Received: 2017-04-05
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: My private student loans were originally through XXXX XXXX , which were sold to XXXX XXXX XXXX , LLC . I made arrangements to have payments auto-drafted from my account and up until XXXX 2017, th ey were regularly paid. As of XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero correspondence with them about this. They informed me that I have XXXX additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending XXXX University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I was seen by XXXX XXXX in XX/XX/XXXX for a XXXX. I presented my insurance information at the time of service and was never notified that I owed them {$65.00}. They had my correct address and telephone number but never contacted me by mail or phone that I owed the money in almost 2 years. In XX/XX/XXXX they sent my information to a collection agency ( Transworld Systems ) who in turn reported it to the credit bureaus resulting which totally trashed my credit and dropped my score by XXXX points. I would have paid the debt had I known about it in the first place. It was n't until XX/XX/XXXX that I received a bill for the {$65.00} from Transworld Systems.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: I took out a private student loan with a co-signer with NATIONAL COLLEGIATE STUDENT LOAN TRUST back in XX/XX/XXXX. Since then in XX/XX/XXXX I received summons for motion of judgement by default filed against me in XXXX County GA. The judgement was granted XX/XX/XXXX, even though I responded and contacted the company directly attempting to make payment arrangements. In XX/XX/XXXX the NATIONAL COLLEGIATE STUDENT LOAN TRUST went to XXXX County GA to file for garnishment with my employer and since then my wages have been held. I filed for a traverse which was temporary granted and now I 'm in need of getting the Judgement set aside due to fact the original Motion of judgement never included the co-signer nor The Plaintiff state the date the contract was breached or otherwise not complied with. Plaintiff also failed to mitigate damages by failing to take reasonable steps to reduce or minimize the damages experienced. The Plaintiff is seeking to recover more than entitled to recover in this case, and award of the judgment sought by the Plaintiff would unjustly enrich the Plaintiff. I am a single mother and this garnishment has created an extreme hardship upon me and my family.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I have XXXX collection agencys trying to collect the same debt I called original company that I owe the debt to and they said that TRANSWORLD SYSYEM INC/XXXX should not be collecting debt however they are reporting to XXXX of the credit bureau they are trying to collect a debt that I do not owe them ...
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was issued a traffic ticket number XXXX. I requested a contested hearing within the 15 day time limit. See page XXXX of attachment. I did not hear anything about this traffic ticket until I was sent a letter from Transworld Systems Inc that I received on XXXX XXXX, 2017 that requested {$210.00}. See page XXXX of attachment. I mailed a dispute validity of debt letter today ( XXXX XXXX, 2017 ) Transworld Systems Inc. See page XXXX and XXXX of attachment.
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I keep receiving letters from transworld systems in regards to a debt that I was unaware of. I paid it the moment I became aware of it and called them on 3 occasions to report this and yet they still have not updated this. I am concerned they will mark my credit.
Company Response:
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-03
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I had previously submitted a complaint against National Collegiate Trust ( NCT ), as i was unable to find out any information on the XXXX student loans they were servicing. They reported that they had the loans in their response to my complaint. However, when i contacted them again, they stated they did not have the loans. Now, I am being contacted by a debt collections agency for payment in full of {$26000.00} for these loans. NCT never gave me the opportunity to make payments after my bankruptcy ended in XX/XX/2016 before the loans were sent to collections.
Company Response:
State: MN
Zip: 55109
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-02
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I work in collections so I am very familiar with all fdcpa violations. I was taught the most important rule is YOU MUST VERIFY WHO YOU ARE SPEAKING TO BEFORE DISCLOSING PRIVATE INFORMATION BY VERIFYING THE SOCIAL ETC. I was called by trans world systems, XXXX, she said is this XXXX, I said yes ( just to trap her because anybody can just say yes ) and she immediately went into what debt is owed, the amount, and my intentions of paying it back. I got her name, company name, advised her she never verified who I was and that she violated fdcpa regulations and asked to speak with her manager ( XXXX. ) I told XXXX that her rep never verified my social or anything else and that she violated fdcpa regulations. She told me she has been in collections for 10 years and so I asked her if she verifies the social before disclosing PRIVATE INFORMATION and she said of course. I asked what can she do to correct this problem and she said all she can do is apologize because her rep violated fdcpa regulations. I advised her I will be making a official FTC complaint and if needed will be contacting a attorney. Again she apologized and we ended the call. Also, in atleast one incident, multiple voicemails were left in one day which is also a violation of fdcpa.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No