Date Received: 2017-02-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In XXXX XXXX I received a statement from my XXXX XXXX card showing a charge of {$72.00} by XXXX in XXXX XXXX ( this credit card was on file with XXXX ). I disputed the charge because it was not mine and XXXX XXXX credited my account. Later the same month XXXX XXXX sent me 2 letters, one stating they had contacted XXXX and the other stating they 'd yet to hear back from XXXX regarding the situation ; pending no followup from XXXX, I could consider the matter closed as of XXXX XXXX, XXXX. However, in XXXX I received a " Past Due '' invoice directly from XXXX for the same charge. I called XXXX on XXXX XXXX, spoke with a woman named XXXX, was able to get details regarding the charge and told her why I was disputing it ( I live in XXXX, the delivery charged to my account was out of XXXX, and the delivery was to XXXX ), and she credited my account and closed it. In XXXX XXXX I got a demand letter from XXXX stating my balance was past due! Despite it was supposedly closed in XXXX! On XXXX XXXX I called XXXX, spoke with a woman named XXXX in the Fraud Department, explained the circumstance, and she opened a case ( # XXXX ). I got a phone call from her on XXXX XXXX letting me know she had seen a scan of the delivery receipt in question ( where I was mistakenly billed ), that it was a billing error ( incorrect XXXX account number entered by clerk ), that it was not fraud but a mistake by XXXX, and the case was closed. Suddenly in XXXX XXXX I got a nasty " Statement of Recovery Enforcement '' from XXXX XXXX XXXX ( account # XXXX ) on behalf of XXXX, regarding the same charge and balance, despite it had supposedly been taken care of twice already!! I emailed XXXX 's collections department, explaining the situation ( again ), on XXXX XXXX. I then received a letter ( dated XXXX XXXX ) from XXXX XXXX ( not XXXX ) stating they were ceasing collection efforts. I was away on a business trip with my husband from XX/XX/XXXX-XX/XX/XXXX, and at XXXX point, when I called our home to check voicemail messages, there were a few voicemails from another collection agency in XX/XX/XXXX ( I do n't remember the name of the agency, nor do I have the number of the agent on my case ). I did call the number twice and left voicemails ( I did not write down the name of the individual because I could n't understand the name ), although in my 2nd voicemail I briefly explained the situation and that they need to contact XXXX because it was taken care of. I never received another call and assumed this was ( again ) resolved. Then on Thursday, XXXX XXXX, XXXX, I suddenly received a " Seriously Past Due '' invoice from Transworld Systems Inc XXXX file # XXXX ) regarding the same XXXX charge from XXXX XXXX!! Supposedly this had been taken care of three times, presumably four ( when I did n't received a return call in XX/XX/XXXX ) and now past-due charges have been applied, totaling a balance of {$82.00} ( {$72.00} + {$10.00} )! I am at my wit 's end!! I have contacted everybody I should have to get this resolved, and now I have another company harassing me!! I do n't know what else to do but report XXXX, XXXX XXXX XXXX, and Transworld Systems for constantly contacting and harassing me, for a mistake XXXX made, when I 've made multiple attempts to resolve XXXX 's mistake and had supposedly had it taken care of multiple times!
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Reporting debt owed with a new open date when in fact the Debt is owed is from 2011.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-24
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: I called University Accounting Services trying to re-establish a payment plan ( XXXX ) for my student loan for " XXXX '' They advise me to call XXXX @ XXXX for them to advise me that my account is XXXX XXXX and they ca n't give me any information to contact XXXX by mail because they do n't even have a phone number for " XXXX '' them self
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.
Company Response:
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.
Company Response:
State: TX
Zip: 78242
Submitted Via: Web
Date Sent: 2017-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt has been paid
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: An online order in the amount of Approximately {$2000.00} was placed with XXXX on or about XXXX, 2016. Said order was subsequently cancelled by the merchant due to the previously opened dispute stemming from defective merchandise etc ... I have never received said order or signed for the merchandise. Collection agency was requested to submit proof of purchase along with their DCA license number numerous times, however, failed to do so. Their correspondence was received in rapid ... less than a week between letters sequence ... that not only violated any and all rules and procedures listed in Administrative Code, but made it look like Debt Collection Agency did n't receive my response and/or did n't feel like responding to my correspondence ...
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services
Company Response:
State: TN
Zip: 37217
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No