Date Received: 2016-09-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.
Company Response:
State: WA
Zip: 99203
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-13
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: I was authorized to speak for a co signer. However, the Debt Collector Trans World Collecting on behalf of XXXX ( rep. XXXX ) keeps calling me. I am not on the loan but they wo n't stop calling me. Despite the fact she keeps calling me, she will not fax or mail the original contract to me. She refuses to make a counter offer and has lied several times about the negotiations.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2016-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-13
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I never received notice that I owed this debt. I found out when I went to urgent care and they told me that I had a balance that was sent to collections two years ago. I then came home and looked at my credit report on XXXX XXXX and saw that it just showed up this month, it has n't been on any previous credit reports. The amount that I was told was owed was also different from the amount shown on my credit report. Urgent care had my correct phone number and address in their system so there is no reason that I should n't have received a bill.
Company Response:
State: IN
Zip: 46947
Submitted Via: Web
Date Sent: 2016-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-12
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Transworld was asked by me on XXXX/XXXX/16 and XXXX/XXXX/16 to provide proof that XXXX XXXX XXXX owns this debt because I never signed any contracts with them. Transworld wanted me to settle this debt at XXXX % without giving me the proof that I asked for. They turned over the accounts to a collections law firm which can sue over this. I want all XXXX accounts removed to my credit report due to fraud. I only received some documents after it sent to a collections law firm, this is not legal to do this per the attorney I spoke with. The set up of how Transworld fits into this equation is not clear because it states that XXXX XXXX XXXX owns this debt but why did not the owner notify anyone that they owned debt shortly after it was purchased, it shows to me that Transworld and XXXX XXXX XXXX wants to muddy the waters by not disclosing everything. Transworld claims they ca n't remove any credit reporting but XXXX XXXX XXXX should remove due to fraud. The paperwork shows XXXX XXXX XXXX, XXXX XXXX XXXX, and then XXXX XXXX XXXX therefore the loans went through several channels ; no way that XXXX XXXX XXXX owns this debt. I had a conversation with XXXX XXXX and they acknowledged that they owned for a short time. It is illegal to make anyone pay this loan because the loans went through several channels which makes proving that XXXX XXXX XXXX own the debt a problem plus Transworld did get into trouble for not sending the validation of debt before sending this debt to a collection law firm. The loans should be removed from my credit report completely because XXXX XXXX XXXX and Transworld just violated the FDCPA by sending the loans to a law firm to avoid sending a validation of debt.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-11
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Consumer Complaint: I called the trans world system inc to inform them that they purchased a debt that has been resolved and to contact the originator creditor, but refused to and asked me to provide proof that I do not have as a co-signer.and threatened of legal proceedings.
Company Response:
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2016-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-08
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I was told by XXXX that XXXX of my loans had defaulted and were sent to TransWorld Systems Incorporated. I have been calling TransWorld Systems Incorporated and leaving messages for a return call to find these loans, check the balance, and establish a payment plan. I have yet to hear back from this company.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-08
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I have previously submitted a complaint about a private loan taken out by XXXX XXXX XXXX ( a loan which is now held by University Accounting Services, LLC ). As the procurer of this loan, under the class action suit that was filed on XXXX XXXX, 2014, I am entitled to certain benefits according to the settlement offered in this case. I have not received any information regarding this and when I attempt to contact the loan servicer, the only information I receive is that since it is a private loan I am not entitled to " loan forgiveness '' under Borrower Defence.
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2016-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: This account was discharged in bankruptcy XX/XX/2010 over six years ago. The account was XXXX INC AND RECENTLY TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX ( a collection agency for XXXX ) has sent a threatening letter demanding payment for really I have no clue what. It does n't break down what its for or why we owe this amount. Its been over 7 years since we had XXXX service at a home that was discharged in the bankruptcy as well. Ive since contacted my lawyer and if another letter is sent we can sue and get paid for harassment. After all bankruptcy is hard but its for a fresh start and not to be harassed nearly 7 years later.
Company Response:
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2016-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My insurance company at the time paid the debt owed to a hospital. The hospital has not acknowledged the debt paid to whomever is continuing to send out debt collection notices. When I told the insurance company, they said it 's the hospital 's fault, they made the payment to the hospital, and even checked it for a third time now. Yet I continue to receive bills/debt collection attempts from the hospital 's XXXX-esque system that they apparently deny any control over. I am beginning to think some accounting segment of the hospital is irresponsible or trying to scam people out of twice what they owe for services.
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2016-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-02
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: XXXX University, XXXX FL, is owned by XXXX Colleges. I took out a private loan through XXXX University called a XXXX Loan for approximately {$4600.00} on or about XXXX of XXXX to cover the part of tuition not covered through the Federal Student Loan program. XXXX switched the loan servicer from XXXX to UAS, LLC ( University Accounting Service ), PH # XXXX XXXX on or about XXXX XXXX of which I had no control over. The following is an excerpt of what has happened to XXXX Colleges : " XXXX and XXXX borrowers : On XXXX XXXX, XXXX, the XXXX announced new information about this relief. The Department has found that between XXXX and XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX " XXXX '' XXXX, as well as XXXX, misrepresented job placement rates for many of their programs of study. The Federal Court ruled that ALL student debt for students attending XXXX Colleges/ XXXX University is to be fully discharged for those attending between XXXX and XXXX. XXXX responded to me the XXXX University Loan in question was transferred to University Accounting Services ( UAS ) and they are not the " loan servicer '' any longer. I did NOT request this change nor did I have any control over this change. I feel XXXX transferred this loan to UAS to avoid paying what was due to defrauded borrowers as they were aware of the lawsuit and impending decision. The following is an excerpt from the CFPB website .... " In XXXX XXXX, the CFPB sued XXXX XXXX XXXX XXXX for luring tens of thousands of students to take out private loans, known as " XXXX loans, '' to cover expensive tuition costs by advertising bogus job prospects and career services. The lawsuit also alleges that XXXX used illegal debt collection tactics to strong-arm students into paying back those loans while still in school. Under the XXXX loan program, nearly all student borrowers were required to make monthly loan payments while attending school. '' ... ... '' Provide more than {$480.00} XXXX in debt relief to XXXX victims : Although XXXX Colleges will no longer operate the schools, tens of thousands of students remain saddled with debt incurred under XXXX 's alleged predatory and illegal lending scheme. XXXX worked with the CFPB and XXXX to secure {$480.00} XXXX in debt relief for borrowers who took out XXXX high-cost private student loans. These students will see an immediate XXXX percent reduction in the amount that they owe on outstanding private student loans. " XXXX CollegeXXXX University promised me job placement when I was being recruited and never fulfilled their promise. I felt abandoned by their job placement / career services department and am still paying for this loan. I feel the 40 % reimbursement DOES apply to me. By XXXX stating they are washing their hands of this matter, as they say the loan was transferred to UAS, is not an appropriate resolution. I am a victim of fraudulent practices by XXXX College/XXXX UniversityXXXX Lending and now University Accounting Services ( UAS ) LLC, and request a 40 % reduction of the original Genesis loan amount of {$4600.00}. That amount equates to a {$1800.00} refund in accordance with the federal settlement. Furthermore, UAS violated federal and state laws by purchasing so-called " XXXX '' loans trying to collect on them. UAS knew at the time they purchased the loans that XXXX had been accused of engaging in misleading and deceptive tactics to enrolls students, and, in turn, pressure them to take out the costly loans.
Company Response:
State: FL
Zip: 33770
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes