Date Received: 2017-02-19
Issue: Incorrect information on credit report
Subissue: Account status
Consumer Complaint: I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-18
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: I have been contacted recently by a debt collector who has threatened to garnish my wages if I do not pay a debt. The account was closed in XX/XX/XXXX, and the statute of limitations on collection would have run out in XX/XX/XXXX. I was told " If I do n't start paying immediately, we will garnish your wages. '' This debt is past its statute of limitations, and I 'm being called at work and threatened for a 6 year old debt. The amount of the debt has also almost doubled from the amount of when the account was closed, from {$3700.00} to now a reported {$5300.00}. I ca n't afford to shrug off over {$5000.00} and they are not allowed to garnish my wages for this old of a debt, please help.
Company Response:
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2017-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.
Company Response:
State: MI
Zip: 48116
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I am the co-signer on a student loan for my son received in XXXX from XXXX. After some time XXXX took over the loan. My son graduated from college in XXXX. I completed a chapter XXXX bankruptcy in XXXX. Transworld Systems , Inc. sends me a collection letter. This loan has a charge off date of XX/XX/XXXX and the charge off amount {$24.00}, XXXX. My most recent telephonic conversations with Transworld results in a settlement of {$10.00}, XXXX. I asked them to confirm this agreement of {$10000.00} in writing to protect myself. The payments would be {$2600.00} for XXXX consecutive months. On XX/XX/XXXX I was told the letter requested would arrive in 7-10 business days. The letter did not come. I called back XX/XX/XXXX was told letter was not sent ; but now we will send. On XX/XX/XXXX I called to see if letter was sent. No letter sent. A manager, XXXX -- XXXX, told me to " trust '' them ; that if after I send all the money if there is a problem, he would confirm the settlement agreement. CFPB I would like to start sending the payments while I have assistance from family, but I do not want to get " burned '' when Transworld sends a collection for the amount I will save with this settlement. Otherwise, I am retired and on a fixed income. My son will be contributing to this reduced settlement. I just want some form of evidence to support the agreement of {$10000.00}.
Company Response:
State: TX
Zip: 78114
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid my debt of {$190.00} on XXXX XXXX, 2016 to XXXX. I repeatedly get letters from Transword systems inc. Account # XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me. On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received. I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I previously spoke with both the hospital & collectors regarding this bill. Both said they were trying to help me figure out where the charges came from. I paid cash fees, upfront, for the procedure related to this bill. The itemized bill statement that was sent to me does not make sense in terms of how the miscellaneous charges add up. XXXX could not explain who charged the extra {$500.00} on my bill & stated they would look into it & contact my insurance & surgeon.
Company Response:
State: MI
Zip: 48220
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have previously disputed this debt as not belonging to me. I do not go to XXXX hospital and was not seen for this debt. I previously disputed this debt with the credit bureau 's and it was removed but it was re-applied soon after. I have tried multiple times to contact Transworld Systems only to have them hang up on me. I am never able to reach someone to discuss this situation. I get transferred then the phone call disconnects.
Company Response:
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-16
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I have been informed by the original creditor that Transworld System Inc, is the collector for this debt, I have never been informed and or received any type written communication or notice from Transworld System Inc.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No