Date Received: 2017-02-14
Issue: Getting a loan
Subissue: Can't qualify for a loan
Consumer Complaint: Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).
Company Response:
State: ID
Zip: 83702
Submitted Via: Web
Date Sent: 2017-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A medical procedure was undergone without my knowledge of the procedure 's price. It was called for by my physician, and I was not made aware of the cost for the procedure. I was not made aware that my insurance would not cover anything until the procedure was over. Due to my lack of consent, my legal obligations to pay this amount is questionable. Still, I am actively working towards paying this debt with XXXX. While I was working to pay it off, it fell into collection within 6 months. The resulting impact on my credit score alerted me of this. It seems improper to send this debt to collection when I am actively working with XXXX to pay off the debt.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2017-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-12
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Reported medical bills on all XXXX credit bureaus XXXX XXXX XXXX, and XXXX saying I owe them but I did not sign anything stating I owe them for the bills and the hospital where services rendered wrote the bills off.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2017-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-13
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I never receieved anything about these medical bills being sent to collections. Is there anyway I can pay these or set up a payment plan?
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. I have this private loan with UAS loans for {$5000.00}
Company Response:
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: I have been receiving letters from a debt collector on a debt that I am disputing. I have written numerous letters to the collector disputing this debt as well as contacting the doctor 's office that claims I owe the debt. I have been told by the collection agency twice in writing that my debt has been marked paid, but then a few months go by and it all starts again. My attorney sent them a letter of representation XX/XX/XXXX. I received a letter from them dated XX/XX/2016 saying the debt has been marked paid and the account closed. Then XX/XX/2016, I get another letter explaining some crazy billing error and that once again, my account was open and I owe the debt. Then I receive a letter addressed to me with the original amount they claim I owe, only this letter asked me to send my payment to some company I have never heard of. I replied to the letter informing them that I have never heard of such a place and I do not owe any money to them. Again, the letters started XX/XX/2016. On XX/XX/XXXX, I sent my 4th letter to this company reminding them that I am represented by an attorney and reminding them that I do not owe the debt. Today, while I am at work, I received a phone call on my cell phone from a number I didnt recognize. I answered it quickly since I am at work and the person on the other end spoke with such a thick accent that I could barely understand him. I asked him who he was and he said something I couldnt understand and then he said the letters XXXX, only not in the correct order. Those are the initials of the doctor 's office that claims I owe them money. I whispered into the phone that I dont owe them anything and I quickly hung up. I dont know what else to do. I have told them in writing that I dispute the debt. I have told them now over the phone that I dont owe them. My attorney has told them in writing. They have not tried to contact my lawyer at all. This company is breaking the rules in the Fair debt collections act and I want them to stop.
Company Response:
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Getting a loan
Subissue: Qualify for a better loan than offered
Consumer Complaint: I was accepted into XXXX University XXXX XXXX XXXX XXXX program in XX/XX/XXXX. I successfully completed the program, however decided not to attend and instead apply to XXXX. I chose this route after learning that the facts that XXXX promoted about their graduates obtaining American XXXX were not true, and I did not want to jeopardize my future career. In order to pay for my tuition I had to take out a private loan. I applied for a XXXX XXXX XXXX loan which I was approved for, however when I informed the registrar department about my loan servicer, they encouraged me to instead take out a loan with XXXX student loans. They informed me that they had a very good relationship with this loan provider and how they disperse funds very expedient. They also told me that if my XXXX loan does not get dispersed before the end of the week, they will drop me from my classes. Out of fear of losing my spot in the program I did apply for the XXXX loan. XXXX filed for bankruptcy and I received no paperwork about my loans for years ; not until I graduated from XXXX school in XX/XX/XXXX I received correspondence. At that point my student loan had doubled in amount due to the high interest rates. However, this loan has exponentially increased compared to my other student loans. I feel like i was coerced by the registrar department at XXXX to take out this loan which is now 3x the amount. If I had gone with my original loan servicer, my balance would not be as high. I am still in XXXX and my loans are in deferment for atleast another 2 years. From investigating I have also learnt that XXXX now offers a money back guarantee for their XXXX program. I was looking for some guidance on what to do in a situation like this.
Company Response:
State: PA
Zip: 18411
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A credit inquiry was mistakenly placed under my credit report. I have tried contacting the collection agency, Transword Systems, to get this item resolved, however they are not very helpful. What they do is start transferring me from XXXX department to another, and sometimes out right refuse to help me. My credit has taken a very large plunge ( it has gone from mid XXXX to mid XXXX ). Every attempt I have taken to tried and get this resolve always results in me being transfer, and no one actually helping me.
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No