Date Received: 2017-02-03
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: This is for an XXXX credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as XXXX has now turned the debt over to a 3rd party debt collector called Transworld Systems Inc . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
Company Response:
State: OK
Zip: 738XX
Submitted Via: Web
Date Sent: 2017-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The city of XXXX erroneously issued a parking ticket to me in XX/XX/2015. After a couple of phone calls and a letter, the municipal court vacated the ticket ( the police officer had a typo when they put in the license plate number ). The court had sent me to collections with Transworld ( TSI ) ; I spoke with their representatives twice in XX/XX/2015. On the second phone call, they assured me that they had record of the court 's update and that the issue was resolved. I asked them to mail me paper indicating this, they assured me that they would no longer mail notices and that that was sufficient. However, they recently started calling me again and the collection is still on XXXX of my XXXX credit reports.
Company Response:
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2017-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-02
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: transworld has been giving me the run around and delaying on giving me the other deletion letters.
Company Response:
State: NM
Zip: 87105
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Transworld Systems is in violation of the Fair Debt Collection Act, the Fair Credit Billing Act and the Telephone Consumer Protection Act. Thus, I am entitled to seek damages and remedy for these violations explained below. I found out about this account in XXXX of XXXX after calling my medical provider to receive a routine medical treatment. I was told by the provider that I owed a balance and was given Transworld 's contact info as the collection agency that had my account. I never received a bill or any notice that I owed money to this collection agency, nor did I know that my account was in collections prior to contacting the provider. After contacting Transworld, I stated that I would not be paying the alleged balance owed, that I was in the process of appealing this amount with the provider and insurance agency, and that I would not like any more phone calls until I investigated the matter and that I would follow up. I kept receiving phone calls from different numbers from Transworld, XXXX per day. After a few days, I answered the phone and told the representative that I was still in the process of investigating the medical charges and that I would not like any further calls until I called Transworld back. At this point, the representative took heed and the calls stopped. I spoke with the medical provider and sent another appeal to the insurance agency. On XXXX XXXX, XXXX, I called Transworld to update your records about the alleged account. I told the representative, XXXX, that I never received a bill from the company and asked when Transworld received my medical bill to determine where I fell in the XXXX window that is now afforded to consumers to investigate arbitrary medical charges before their delinquent accounts are reported to the major credit reporting agencies. XXXX, admitted that Transworld received mail back as return to sender that was allegedly sent to my home address. XXXX also told me that Transworld received my account in XXXX XXXX. I expressed my concern to XXXX about Transworld 's violation of the Fair Debt Collection Act, the Fair Credit Billing Act and the Telephone Consumer Protection Act by continuing to call me, repeatedly after I asked not to be called until I finished my investigation of the alleged charges, and by failing to send me any notice of what I was being owed and what exact services I was being charged for. I asked XXXX if Transworld had any internal procedures to deal with this sort of situation before I reached out to other entities to express my concern and she became very offensive. She began to speak to me rudely and harshly, she continued to speak over me and cut me off, and she told me " do whatever I have to do. '' XXXX also threatened me by stating that Transworld would be reporting my account to the credit reporting agencies right away, despite the recent agreement to withhold such reporting 180 days from the date of receipt. XXXX also forecasted that I would not have this bill paid by the insurance company and urged me to set up a payment arrangement prior to completing my dispute investigation and receiving my appeal decision. Next, XXXX placed me on hold with no indication for approximately XXXX XXXX minutes and came back to the phone explaining that she was waiting for a manager to come to the phone. She then told me that I had the option of continuing to wait or having a manager call me back. I told XXXX that I would like a manager to call me back and asked for her name. XXXX was very reluctant to give me her name, ID number, or any other identifier other than her first name and assured me that those in the company would be able to identify her. XXXX then told me that I did not have the option to have a manager to call me back and it was best that I call back tomorrow, go through the entire process over and try to
Company Response:
State: VA
Zip: 22485
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Transworld Systems Inc continues to call the above number, 1x to 2x a day after I communicated to them that there is no one at this number by XXXX XXXX ( spelling?? ). They continued to call daily for 2 weeks after I communicated this to them. I spoke with a XXXX XXXX at Transworld today XX/XX/2017 and again answered the same question that there is no one here by the name they are asking for and to stop calling this number. I work nights so the continued phone calls are most disturbing and a form of harrasment in my opinion.
Company Response:
State: OR
Zip: 97068
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-01
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: Prior to filing bankruptcy last year I had a private student loan through National Collegiate Trust for a sum of approximately {$19000.00}. A year later after my bankruptcy is discharged I get a call from their debt collector and now it is {$30000.00}. How can they charge {$11000.00} in interest in one year, when I took out the loan in XX/XX/2006 for {$15000.00} and it only accrued {$4000.00} over a period of 10 years.
Company Response:
State: OK
Zip: 746XX
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I received several private student loans back in 2006. I did not complete school. I began to hear from something called the XXXX Trust which was confusing to me as I took out loans from XXXX Bank. I have since found out that XXXX Bank is not even permitted to issue these loans anymore because they would sell them to places like the National Collegiate Trust. According to my research these are passed around like stocks on a stock market. Anyways, I began to receive harrassing calls but I chose to ignore them because I had no idea who the XXXX Trust is. I then received a summons in the mail so at this point I called back. The lady on the phone told me it was about collecting student loans but that my prescence was not needed in court. I did not hear anything for almost a year. I imagine this is so the time allowed to appeal such a case would expire. They then began to try and garnish my wages. I was shocked that they were able to garnish 25 % of my wages. I had read with federal loans there are all kinds of programs to help people pay them back and set a max percentage of wages to be used. Unfortunately private student loans do not operate under these laws and they also are protected like federal loans from bankruptcy. How can this be? This is ridiculous. Not only is the amount they are claiming completely false but I am left with no options. Then I check my credit report and they arent even listed on it? How can this be? Are they trying to allow me to obtain a house or a car so they can use it against me? This makes no sense. The XXXX and XXXX this has caused is worse than any amount of money I can assure you of that. I cant be the only person in this situation either. I just want a fair chance to be a good contributing member of society and to the economy. Please will someone look at my case and tell me something can be done. Not just for me but people in my shoes as well.
Company Response:
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I made a payment via money order to XXXX XXXX & they claim I never made a payment. Not only that but this debt is from XX/XX/XXXX. XXXX XXXX has now decided to send this debt to a credit collection company as a XX/XX/XXXX debt on top of claiming that I never paid them. I have had issues with them in the past including a {$600.00} bill from an old residence that I requested have it 's service terminated. They were unable to get in to suspend service so they charged me for three months service without informing me they were unable to get in the residence. When I asked why they did n't inform me that they were unable to suspend service at the old residence a representative responded with " that 's not our responsibility.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I attended XXXX, PA from XX/XX/XXXX-XX/XX/XXXX. During this time my school misrepresented job placement rates for many of their programs of study and violated federal law. I was forced to go with a high interest private student loan ( 14.9 % ) through XXXX XXXX, which was a institution owned by XXXX. I was supposed to receive a letter by XX/XX/XXXX if i was included in this settlement. I never received one yet i am a victim. I have contacted Universtity Accounting Services about this and they neglect to answer my question. This complaint pertains to complaint Case : XXXX Document # : 1 Filed : XX/XX/XXXX XXXX XXXX of XXXX PageID # :1.
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-30
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Health Care Debt, but the collection agency can not give details of the money owed. Transworld System Inc.TSI send me a notice of collection for XXXX XXXX XXXX but can only tell me an amount owed ( {$50.00} ). I do not fee I should just blindly pay a bill for unknown services
Company Response:
State: NJ
Zip: 08055
Submitted Via: Web
Date Sent: 2017-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No