Date Received: 2016-03-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have received a collection letter from : Transworld Sytems Inc. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have XXXX XXXX Member ID XXXX Group number : XXXX do n't understand where this bill is coming from.
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-09
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Consumer Complaint: Trans World Systems Inc. called me at XXXX on XX/XX/2016, which is past the XXXX cut off time. When I returned the call on XX/XX/2016, I was told that they have no record of my number. Regardless if I have business with them or not, they should not be calling past XXXX.
Company Response:
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2016-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-08
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: XXXX XXXX, 2016 I talked to representative at Transworld Systems about my student loan account. I never given my new number out and the number that the company had was an old number. After speaking with the individual she was to send me a email via fax system for application as a Financial Disclosure for Reasonable and Affordable Rehabilitation Payments. I filed out this form and on XXXX XXXX, 2016 called and asked for the email to send it I was given a email to fax address. After which this woman representative continue to talk over me or past me trying to collect the debt when I was instructed to talk to woman I spoke to on XX/XX/XXXX. I asked for supervisor but no one would get the woman I spoke to in XX/XX/XXXX on the phone only said she would call be back it never happened. However, later this day XXXX/XXXX/16 I received a call from another company saying the company can lower my amount and payments. Now this was a new number because the it was only when I gave it out to Transworld Systems then I received this call from another company called " XXXX '' department. Today was also when I gave Transworld System the correct number because in there system the number was off by one digit. Therefore, my information and personal debt information was given without my permission and someone in the company gave it to a third party. I was never told that my information would be given to anyone or shared. This company that called me was " XXXX '' also texted me that 's third party violation as well because anyone can see text on my phone my wife, sister etc.. What I want from this? .. restitution. My reference numbers at Transworld Systems are : XXXX, XXXX. Transworld number XXXX and the number from this company called " XXXX XXXX XXXX '' is : XXXX
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-09
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: In XXXX of 2012 I inquired about obtaining a degree in the medical field/becoming a medical assistant. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my XXXX I wanted to possibly start in XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the XXXX XXXX XXXX to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2016-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.
Company Response:
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2016-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-07
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Apparently this company Transworld Systems Inc. did not get the correct information from XXXX XXXX XXXX. Or shall I say they " inadvertly '' forgot to send them all of the paperwork that I submitted to them regarding this account. The account is a Identity Theft account. I did not give anyone permission to sign my name or to continue with any transaction. I just happen to find out when I order my credit report in XX/XX/XXXX that a student loan was forged in my name! This company failed to review the supporting evidence and had the nerve to try an decline my IDentity Theft affadavit!. Obviously they are trying to scam their way to getting paid on this account. I have filed and sent them every single paperwork including my police report and the actual original copies that I have from that date.There are XXXX sets of originals here and obviously they TWS has the wrong one. I have the forged copy that was sent to me from XXXX XXXX XXXX whichj obviously did not get to XXXX. XXXX is dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX letter was sent out stating to make corrections and return. Well needless to say I never returned them. I spoke with the representative who stated the letter was self explanatory. IF I dont return they can not proceed with the application. Well " someone '' forged my signature on XXXX/XXXX/XXXX and the forged copy was dated XXXX/XXXX/XXXX with corrections in it that I never made, and originals that I still hold in my possession. TransWorld has failed to provide me with an investigation report and a closure report.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2016-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-07
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment. My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2016-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was involved in a motor vehicle accident in 2012. My relatives PIP insurance did n't cover my medical bills nor my lawyer. Now they left me with a debt that is not mine. The medical bill from XXXX medical center XXXX. I am already paying a debt from the audit-adjustment company right now. I have XXXX to pay still. I need help and someone needs responsibility its not me. I want you to take this amount XXXX off my report. I believe that people need to take care of debts not put me in a situation that makes me feel guilty here. No body has contact me ever since they just want money from me. I am speaking honest here no one should go thru something like this. So please resolve this. I will no longer take responsibility. Someone needs to.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2016-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-05
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: This collection was settled with the company by return of the equipment. Another collection agency removed the debt. This company did not give me the 30 day notice to dispute debt.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2016-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.
Company Response:
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2016-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No