Date Received: 2016-07-11
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: My loan through XXXX XXXX XXXX was given to an collection agency called XXXX XXXX XXXX ( which I was not notified that the loan will be moving over to another agency on XXXX/XXXX/16 ) as I schedule another cycle of online payments for the collection agency to obtain. However, on XXXX, I spoke to someone from XXXX and they said your loan is not with this office, it has moved to Trans World Systems , Inc. The loan is at TWS but I contact the company on XXXX and was told to wait about 2 weeks because my information has not been cycled in the system. I called TWS, Inc. on XXXX and office was closed for business and called again on XXXX/XXXX/16 which I finally was able to get in contact with the representative who has been handling my loan. I have ask for something to be mailed to me and the representative began to take my credit card information. Effective today, I have reached out to the Trans World and asked for a fax number and they will not give me their fax number but gave me XXXX XXXX XXXX XXXX, but Consumer Affairs stated that XXXX XXXX XXXX has been flagged for and XXXX and explain further why. The representative from Trans World is asking for over the income amount and I agree because naturally I was scared, yet ask for another payment for the next following two months. The payment is " 8 '' times the income I would make and I do not have that income in XXXX. Trans World has failed to provide me with an itemized detail letter of who they are and notification of drafting, etc. No information has been sent from XXXX XXXX XXXX, XXXX XXXX XXXX or Trans World Systems regarding this matter. I 've been paying on my loan and it is growing, which I do not remember taking that amount out. I would like to give them something in writing for the first time besides the recorded call I have made requesting for information after I have given them my address correctly.
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2016-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-06
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX. I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2016-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-05
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Situational brief : XXXX assigned to my husband and myself was confirmed both by the insurance agency XXXX XXXX and the XXXX office to be covered under the plan we had. The PCP was under the XXXX XXXX XXXX, which reportedly handles all billing correspondence between the XXXX and XXXX. -- - What happened : A routine wellness visit and related services were rendered by the doctor, which are fully covered with copay by the insurance plan, to which we paid the copay. The services should have been fully covered and paid out by XXXX to XXXX and the XXXX as a result. However, when the services were billed to XXXX by XXXX 's billing staff on behalf of the XXXX, an incorrect Tax ID was denoted for our XXXX. This was a clerical issue on their part which they have admitted to and apologized for multiple times. Since an incorrect Tax ID was used XXXX denied the covered services as a result. Even though XXXX XXXX was made aware that this was due to the incorrect Tax ID being used, the case was automatically forwarded to their collections department. When XXXX XXXX and XXXX XXXX were both informed of this oversight, Billing assured me that it had been redacted from Collections, however Collections was indifferent. -- - What I 've done to attempt to resolve this : Well over half a year has passed since this began, and all the while I 've been corresponding with the three parties to get this clerical issue sorted out. I have been assured by all three parties that this is of no fault of my own, and that there is absolutely nothing I can do on my end to amend their error ( as the XXXX Tax ID can not be disclosed to me, nor do I have any authority to amend the paperwork with this correct information ). I was assured by XXXX Billing Director XXXX every time we spoke that this would not be sent to collections, that no action was needed by my part, and that I can disregard notices being sent automatically regarding the " amount due '' as they were working with XXXX to sort this out. He explained that he was sending my case to their " specialist that handles cases dealing with XXXX '' and that it would be taken care of and would not hit my credit report. I had since been checking in with XXXX and XXXX periodically and been repeatedly told the same. One month ago I received a notice that my case was being sent to a collections agency if I did not send a Notice Of Appeal to inform XXXX and XXXX of any error. On XXXX XXXX I used certified mail to send this notice. XXXX has yet to confirm receipt. Just recently XXXX confirmed receipt and denied to pay out because the incorrect Tax ID is still being sent, and that I may request the information they have, and send it with a complaint to Illinois Department of Insurance ( I am waiting the 30 days to receive this info to do so ). Yesterday I received a letter from XXXX collection agency Transworld Systems INC. indicating that this has indeed been sent to collections and that it will be reported to all credit bureaus unless I pay the full amount due. -- - Info : The XXXX representative that assured me that this would not happen is the Billing Director XXXX. His direct line is XXXX. The main billing number for XXXX and/or the XXXX is XXXX. The PCP in question is XXXX XXXX XXXX, the direct number of the office wherein service was provided to us is XXXX ( she nolonger practices at this office, as the case is half a year old and she reportedly left due to numerous other instances of the same happening to other patients ' accounts, preventing her from receiving her payments ). The number for XXXX 's collections agency, Transworld Systems INC, which is wrongfully accusing me and holding my credit score hostage is : XXXX The number of XXXX XXXX is : XXXX
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2016-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-27
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. Neither of the XXXX other major credit reporting agencies noted the account as delinquent. The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.
Company Response:
State: CA
Zip: 95616
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-26
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I submitted a complaint on XXXX/XXXX/15 about transworld systems reporting a erroneous collection account on my credit. Per federal and state laws the burden falls on the debt collection agency to validate the debt and if they can not then the account must be removed. Based on the response from transworld systems they are unable to very that I owe a debt and requires more information. I have already supplied name, address, date of birth, and social when filling out the complaint as well as list the masked account number that was visible on my report. How can this be proper reporting when they basically wrote back saying they do n't know who I am. See previous complaint below. XXXX/XXXX/15 Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2016-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-23
Issue: Getting a loan
Subissue: Qualify for a better loan than offered
Consumer Complaint: Transworld is a record keeper for XXXX loans but I asked on XXXX/XXXX/16 and XXXX/XXXX/16 for proof of debt but I never received it and now Transworld will send this debt to a law firm. It is illegal to do this because I have asked several times for proof of debt, the only item I ever received was a promissary note with XXXX XXXX XXXX on it. No mention of XXXX or Transworld, I want all of the XXXX loans forgiven due to the company violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I need this company investigated because XXXX will keep trying to sue on this debt even though they do not have proof that they own the debt, they offered to settle the debt for XXXX % which is not something I will do.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I called Transworld Systems Inc and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
Company Response:
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2016-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems Inc ... Has just submitted a bill for payment of a XXXX Ticket Owed to the XXXX XXXX XXXX XXXX in Washington State, for ( {$230.00} ) This bill was fully paid using cashiers check # XXXX To : Transworld Systems Inc. ( {$200.00} ) Dated : XXXX. This is the second time the same bill has been submitted by the same company. ( Which is already paid ) XXXX they added another fee. This Violates their " Stipulated Order for permanent injunction and monetary judgment '' Signed with FTC XXXX/XXXX/2013, as a subsidiary of XXXX.
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2016-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes