Date Received: 2016-05-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.
Company Response:
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2016-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-05
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: This is a collections attempt for a $ XXXX balance with XXXX XXXX XXXX XXXX XXXX . The balance was paid on XXXX XXXX, 2016 to the doctor 's office directly for the full balance. I received phone calls between then and XXXX XXXX, 2016. I called in and informed the company that the debt had been paid. I asked them per the Fair Debt Collections Practices Act, to cease further communications on the debt. I continued to receive phone calls and then received a letter today on XXXX XXXX, 2016 about the debt. I called in and spoke with a collections supervisor, XXXX XXXX, about the continued collection attempts after my cease and desist. I informed her that if there were any additional collection efforts on this bill, I would be consulting with an attorney. I appreciate collections efforts within the scope of the law, however, collecting on a debt that has already been paid is illegal.
Company Response:
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.
Company Response:
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-05
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-04
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.
Company Response:
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2016-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: I XXXX from XX/XX/XXXX - XX/XX/XXXX. 23 years ago, as a XXXX XXXX in XXXX and XXXX, I opened an account with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). After paying the balance in full in XX/XX/XXXX, I closed the account and made no additional purchases. I eventually left the XXXX in XX/XX/XXXX and subsequently took up residences in XXXX, XXXX, XXXX and now XXXX. I bought my current home in XX/XX/XXXX. When applying for this mortgage, my credit report had a clear record, without any delinquencies. On XX/XX/XXXX, I received a certified letter from XXXX 's collection agency Transworld Systems Inc. ( TSI ) that provided notice of a wage garnishment to be applied due to outstanding debt to the federal government of more than {$2000.00}. I had no previous knowledge of these charges and began to investigate. After many phone calls, emails, letters and reviews of credit report information, I was able to ascertain that sometime in XX/XX/XXXX, XXXX allowed this 20-year closed/dormant account to be re-activated and permitted someone to charge over {$2000.00} using my temporary XXXX address from XX/XX/XXXX. The following timeline and facts apply : On XXXX XXXX XXXX, I received a certified letter from XXXX/Transworld Systems Inc. ( TSI ), that advised me of a Notice of Intent to initiate administrative wage garnishment proceedings. The action stemmed from an apparent XXXX debt. ( ATTACHED ) On XX/XX/XXXX, I called XXXX and collected as much information as they would tell me. From this call I learned the charges occurred in XX/XX/XXXX against an account that had been closed/dormant for 20 years. XXXX advised the issue was now being handled by their collection agency, TSI. On this same day, I emailed a request to XX/XX/XXXX/TS requesting a fraud investigation into this matter. On XXXX XXXX XXXX, I received a letter from TSI acknowledging my fraud allegation and requesting additional information from me to support my claim, to include a police report, XXXX forms of ID, XXXX copies of signatures, and affidavit of forgery. On XXXX XXXX XXXX, I received an email from TSI indicating Proof of Debt was requested from XXXX. This TSI email stated " The garnishment order will remain on hold to afford you time to review all documents provided. '' ( ATTACHED ) On XXXX XXXX XXXX, I received the XXXX Proof of Debt. This information was limited to partial account statements but failed to indicate what products were ordered, when they were ordered and where they were delivered. On XXXX XXXX XXXX, I provided the requested information to TSI, to include the affidavit of forgery, sample signatures, police report, identification copies and proof of residency location over the last 20 years. On XXXX XXXX XXXX, I received a letter from yourself, XXXX XXXX XXXX, Risk Supervisor for XXXX, indicating receipt of my dispute and notification the case was assigned to an investigator. On XXXX XXXX XXXX, I received a notice from the Department of Treasury, Bureau of the Fiscal Service, that {$2200.00} was withheld from my federal tax refund due to this disputed XXXX debt. This letter indicated the involved agency ( XXXX ) previously sent notice to me indicating the intent to collect the debt to include intercepting federal payments, including tax refunds. The original certified letter received from AAFES/TSI made no mention of this and only addressed wage garnishment. Federal law under the Treasury Offset Program includes a Due Process prerequisite that requires a 60-day notice is provided to the debtor of the intent to offset as well as the opportunity to dispute the debt. I was n't provided notice of intent to offset. The notice I was provided did n't allow for due process and the 60-day requirement. And the dispute was acknowledged by XXXX and TSI yet the offset still occurred ( ATTACHED ).
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2016-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-28
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2016-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-28
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Transworld Systems Inc claim they are the record keepers for XXXX but per XXXX state law, they are a trust not a lender like XXXX XXXX XXXX claim. In order for any servicer or collection agency to collect on this, they will need to show the dates of delinquency, how much is owed, when the loan was sold, proof that XXXX still owns the loan because is a known fact that XXXX sells debts into investment vehicles which means the loan could be anywhere. XXXX must have all of the correct documentation before anyone could collect on it per XXXX law. This is showing as 180 days past due but I have never received actual where my loan is, a promissory note is not enough information since debts are bought and sold all of the time. I spoke with a consumer rights attorney XXXX and they XXXX say the same thing, that the servicer and the collection agency must have proof they are suppose to collect on the loans. XXXX is a XXXX trust, not a lender or guarantor. I was also notified that XXXX used XXXX XXXX to finance which means they are not a lender because they are not a bank or credit union. It is illegal to collect on this debt without the proper documentation. I want the loans completely removed from my credit report because what XXXX must have possession of the loan to collect on it which is hard to prove since they sell loans as investment vehicles to shareholders.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.
Company Response:
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2016-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No