Date Received: 2016-01-26
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I have a student loan from attending the XXXX XXXX of beauty. My loan was apparently sold to Transworld Systems Inc . I agreed a year ago to a repayment plan and they said after XXXX consecutive months it would come out of default status and be ready to return finance. Than I get a letter say my account non compliant I call and they are rude and say they sent me email etc to read sign up I make XXXX payments on the phone than I realize it 's a scam they add thousands of fees and you never come out of default. My account # with them XXXX their number is XXXX please help me they are lying crooks.
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2016-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-22
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
Company Response:
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2016-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Transworld System , Inc. ( XXXX ) has repeatedly called my home several times a day for over a week. Knowing that we do not have any late bills, we called them back to day ( XX/XX/2016 ). The agent who answered asked for the ID number that they left on our answering machine. She asked me if I was XXXX and I said no. when she asked me who I was, I told her I was her mother. I then asked what debt my daughter supposedly owed and she refused to tell me. When I told her that my daughter was dead for over 11 yrs. and again asked what the supposed debt was, she refused to tell me and hung up.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company tried to force me to agree to pay $ XXXX. to avoid collections. I told them I could only afford $ XXXX. They would not accept this, so I told them I would send what I could afford. I also informed them that if they were n't willing to work with me, they would get even less if they sent me to collections. I then came into extra money, so ended up sending them {$120.00} over two months ( almost double what they demanded ). They still sent me to collection!!!!! They said it was because I did n't have a formal agreement - which I was n't willing to do because I did n't know that I could meet the required amount each month.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: " XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.
Company Response:
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-19
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-16
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: A debt collector, Transworld Systems sent me 6 letters in one day stating my wages would be garnished for my student loans and they had contacted my employer for information. The creditor listed on the debt collection noticed does not own my loans. All of My loans were consolidated in 2014 and are not in default. I confirmed this fact via XXXX and the Department of education. My loans are not in default and the creditor they claim to be collecting from, XXXX, has n't owned my loans in 2 years. They were paid in full by the consolidation. In addition to the 6 letters, they have called my home phone at all hours of the day. I also received a call on my private cell phone.
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2016-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-16
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: The U.S. Department of Education issued XXXX XXXX a XXXX-Total, Permanent XXXX- which clearly means that I do not have to pay back my student loans. I was served XXXX XXXX, with a Civil Suit by XXXX XXXX XXXX XXXX XXXX XXXX. I have sent them copy of my XXXX several times in XXXX. I have filed a response with the XXXX of XXXX XXXX of XXXX County Pennsylvania. I asked the court to dismiss and cease this civil case. We did file bankruptcy in XXXX. The statute of limitation in PA is four years. There were no payment made on these loans since XXXX. President Obama signed an executive order last XXXX XXXX to expedite these XXXX proceedings to stop these collecting activities for XXXX students. My main concern is how does XXXX XXXX think they can interpret federal law to their collection procedures of student loans? XXXX XXXX, and XXXX have issued me notices that the loans are forgiven. My compliant is clearly this : XXXX XXXX needs to adhere to federal laws pertaining to credit and collections practices as set forth by the United States Congress in regards to student college loans.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2016-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-16
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Consumer Complaint: They have for communication skills XXXX XXXX claims they put me in a loan rehabilitation program for XXXX dollars a month for nine months I have mailed the paper back three times and they claim they have never gotten it so now I have a put my loans into default with a they 're debt collecting agency Threatening me on how they are going to get their money obviously someone is not doing their job because every time I mailed the paperback they do n't get the paper so something is wrong here they also claim they can not postpone my payments so they gave me the option of a loan rehabilitation program
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2016-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No