Date Received: 2016-05-19
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I have already filed a complaint against younomics with CFPB where I have stated that I am disputing the loan amount and the interest charged. Complaint Number : XXXX. However, younomics ' agent/affiliate University Accounting Services went ahead and reported to the credit bureaus that I was behind payments. As a result my credit scores have fallen drastically adversely affecting my ability transfer credit card balances to 0 % APR cards and my ability to obtain new loans or advances. I spoke to someone from University Accounting Services yesterday, XXXX XXXX, 2016, to withdraw the reporting, to no avail. Instead they on their own, and without me requesting, have granted forebearance on my account from XXXX/XXXX/2016 to XXXX/XXXX/2016, but claiming that " during Forbearance, interest accrues and is capitalized at the end of the Forbearance period. '' Since I am disputing the debt itself and am complaining about the lack of response from younomics, younomics or its affiliate University Accounting Service should not adversely report to the credit bureaus and should withdraw the adverse reporting done so far.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-19
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-18
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.
Company Response:
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-18
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: Yesterday I received the list with the rehabilitation checklist and I am going to return the information requested tonight. I am going to summit all the information requested because I am desperate and I want to find a way to finally end this nightmare, but that does not mean that this is a fair deal. For the last two years, with a big sacrifice, {$200.00} a month have been deducted form my check to pay my {$2100.00} student loan. In simple math {$200.00} X 24 month = {$4800.00} or more than twice the total amount of the loan. During those XXXX month, I never received any information from Transworld letting know the balance due or any information about my rights, you only collected the money and that was it. But I finally got tired of paying and decided to call and ask for information and after calling more that XXXX different phone numbers, ( I was transferred from one to another and to another ) I finally got in contact to a person called XXXX XXXX that informed me that if I wanted to put an end to this nightmare my only option was to continue paying the {$200.00} for 10 more months, plus a additional {$5.00} charge for 6 months and after that my loans was going to be pulled from " default '' and I was to be able to pay my principal. That means that {$4800.00} + {$2000.00} = {$6800.00} and then star paying the principal? How can a deal like this could be legal? I know that the collection Offices main business is to collect, but taking money away from a person with a {$12000.00} net salary a year? I am going to do my part of the deal, but I am letting you know in advance that I am going to look for legal help and I am going to start sending letter to the Congress, to the newspapers and even to Obama at the White House, to let them know how unfair people with students loans are crushed by the collection offices. Thanks XXXX XXXX XXXX account # XXXX
Company Response:
State: PR
Zip: 00969
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named " XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-18
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: I filed a Identity Theft claim with this company XXXX XXXX XXXX when I found out that someone had forged my signature on a student loan. They replied that the owner of the loan was Transworld Systems Inc and that they had denied my claim. When I sent all the necessary paperwork to Transworld Systems Inc . They in turn replied that they do not make the decision on the IDentity Theft Claim. That the creditor XXXX XXXX XXXX are the ones who denied the claim. When I sent the information back to XXXX they in turn say its Trans world Systems Inc. Attached are all documents sent to both parties and their replies indicating that obviously no one wants to take the blame. The IDentity thft account has been sent to numerous collection agencies ( XXXX ) and when I speak with the agencies they all say that the original creditor is TSI Transworld Systems Inc. NO one is clearing my name from this account and I need resolution to this and quick! This ping pong has been going on since XX/XX/XXXX. I already put in other complaints against these companies with other government agencies like the Attorney Generals Office and FTC. Some how in writing to the companies and supplying all documentations isnt enough. On XXXX XXXX I had agreed to sign for a student loan for a friends daughter, with XXXX XXXX XXXX. Once there, they had spelled my name wrong and told me that they will send me corrected forms and that I will have to send them back with my initials. Needless to say I received the paperwork from XXXX XXXX on XX/XX/XXXX. Once Received I called XXXX XXXX XXXX at the number on the bottom of the letter and ask the representative how do I stop this process as I then realized that I did not want to proceed with the signing. The representative stated that the letter they sent me was self explanatory. If I did not return the forms signed and initials were indicated within the 30 days no further consideration will be given to the application. ( Letter attached ) so I did NOT return anything to them. I still have the original forms they sent me in XX/XX/XXXX IF you notice on the attached copies of the letters I have the LENDER COPY, BORROWERS COPY AND THE COSIGNERS COPY still in my possesion. I also have the Lender copy that XXXX XXXX XXXX sent me when I requested information on this Identity Theft. The Lenders copy has a date of XXXX/XXXX/XXXX with a forged signature. But for their conveience they seem to be only circulating to the the XXXX application I did on XXXX/XXXX/XXXX to the collections agencies and other parties involved so that they can try and collect on this so called debt .No XXXX seems to be able to find the forged signature application but yet they, american XXXX services were the people who sent it to me in the first place when I requested applications and other information used on this Identity Theft Account. It was only XX/XX/XXXX that I realized that this loan was out there. I am not XXXX to constantly pull my credit report for no reason but when I was refinancing my house, the broker told me that I had to explain the amount on this loan. Thats when I realized and immediately but in the IDentity Theft report with the FTC and file a police report and commenced with obtaining information used in the Theft Account with XXXX XXXX XXXX. Thats when XXXX immediately turned around and sent the account to a collection agencies. I told the collection agency everything they in turn sent it back to XXXX and then they turned around again and sent it to NCO then to XXXX XXXX, Now its with XXXX XXXX XXXX. They are a scam company and from what I am reading on the Database for the Attorney General in Pennsylvania there are alot of people complaining about these companies.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: " Debt '' {$2400.00} - was paid twice - first payment on XXXX/XXXX/XXXX over the phone ( due to XXXX system upgrade, we found out our payment was cancelled ) and second payment was made on XXXX/XXXX/XXXX ( same credit card ). In between the time - we did NOT receive any notice that this was being escalated to collections. Please see below for full history explanation XXXX XXXX unjust consumer treatment in this matter. Background : Our medical provider submitted a prescription through our XXXX ( the mail-in pharmacy identified on our health insurance on XXXX/XXXX/XXXX. Before we could redirect the prescription to our local pharmacy ( who offered a better price ) - XXXX XXXX shipped the prescription to us without our consent. We contacted them on XXXX, XXXX, and XXXX to attempt to return the order and/or get credited for something we did not authorize. They would not concede. We received the first bill for the unauthorized shipment on XXXX/XXXX/XXXX ( Bill # XXXX ) - the bill contain no itemized list of what we were being charged for ( just a payment due ) - so we contacted XXXX on XXXX/XXXX/XXXX to request an itemized bill be sent. The women ( XXXX ) on the phone was not able to even tell us verbally over the phone what the bill was for. So she said she had to submit a request to another dept to have a paper copy of the itemized bill to our house which she claimed would arrive in 7-10 business days. We 'd already accepted we were paying for duplicate medications due to physician error - but we were not paying blindly for something XXXX could not even tell us what the bill was for. We waited until XXXX/XXXX/XXXX to contact XXXX again/follow-up on the status of the itemized bill. Once again the representative ( I did n't take their name ) told us that they could not see what the bill was for and would need to submit a request to have an itemized bill sent to our house via snail mail. We received Bill # 2 from XXXX on XXXX/XXXX/XXXX - again, with No itemization. We still had not received the itemized list promised to us on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. No one could tell us what the bill was for. So we called AGAIN on XXXX/XXXX/XXXX - and asked for a supervisor. We received the same message - we ca n't tell you what the bill is for - need to submit to other dept to mail you copy. We FINALLY received a copy of the itemized bill ( telling us what we were actually paying for ) on XXXX/XXXX/XXXX. We needed to clarify a few of the prescriptions listed on the itemized bill with my dr ( as XXXX was a prescription I was XXXX/would never have been prescribed ). And we called XXXX ( yes, 7 calls later ) on XXXX/XXXX/XXXX to clarify the prescription they sent was different then listed on the itemized bill and to PAY the bill. We provided a credit card number - they said they would process it and we thought everything was done. Between XXXX/XXXX/XXXX ( non-itemized Bill # 2 ) and XXXX/XXXX/XXXX we did NOT receive any additional bills NOR did we receive any notice that this was being escalated to collections. The first indication we received that this was sitting with collections firm " transworld systems '' was when I received a call ( without providing my name or the name of the company they were calling on behalf of ) this week on XXXX/XXXX/XXXX. In my gut I knew this was XXXX incompetence - so immediately contacted them to see what the issue was ( since we had paid them over the phone on XXXX/XXXX/XXXX ). The women we spoke with was very apologetic saying that they had just upgraded systems in XX/XX/XXXX - XX/XX/XXXX and were still having issues. It looked like the system canceled our payment. So we paid AGAIN on XX/XX/XXXX - this time checking our credit card to ensure. As of XXXX/XXXX/XXXX - I 'm still receiving harassing, nondescript, phone messages from TWS including a letter in the mail today - XXXX/XXXX/XXXX. I have always had extremely good credit and am concerned this awful experience will tarnish that credit. Please help
Company Response:
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2016-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company wrote me a letter about a debt I do not owe. They say the debt is owed to XXXX XXXX. I have never done business with such a company. The amount owed was {$30.00}. The fees were {$4.00}. The total was {$34.00}.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2016-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No