Date Received: 2016-01-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received XXXX letters in the mail today from Transworld Systems Inc saying I owed debt on a student loan through XXXX. I have the confirmation from XXXX that all loans were paid in 2013. After doing some research online, I 've found that I 'm not the only one who has received issues from this company. The need to be stopped from harrassing innocent people. It also says on the letter that they have contacted my place of employment which is truly unacceptable!
Company Response:
State: PA
Zip: 15601
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-17
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: The school is XXXX, a XXXX XXXX, in XXXX XXXX FL. XXXX XXXX was the lender, but they have relinquished the loan. A company called UAS is sending collection notices for the loan, but would not honor the income based payment arrangement with XXXX. When called, the company instructed us to go to the website. The website instructed us ( The borrower and the co-signer ) to email. After numerous attempts to call and e-mail with no response, we sent in the payment that was negotiated with XXXX. We then recieved late payment notices. We made more attempts to call and e-mail with no response. We sent a certified letter to UAS, which was also not answered. We filed a complaint here, on this website. A man from UAS called on XXXX/XXXX/XXXX in response to the complaint, but refused to identify himself. He said that we had to send XXXX checks to the same address, XXXX remitted to XXXX Student Funding and XXXX remitted to XXXX XXXX XXXX XXXX explaining that UAS is just a third party collector. The co-signer explained that neither of these financial institutions had contacted either the borrower or the cosigner to introduce themselves as the holders of the loan. She explained that without FDIC numbers and the location of their home offices with something in writing showing they were the legitimate holders of the loan, there was no way we would send any more money. The man said he would arrange for these to be sent. UAS then began calling the borrower and the co-signer daily, but when the phone was answered, no one was on the line. On XXXX/XXXX/XXXX, the co-signer called UAS and talked to XXXX XXXX and repeated the nature of the conversation on the XXXX. She instructed the co-signer to call XXXX directly to obtain the information, giving the phone number ( XXXX ) XXXX and saying the company is now called XXXX. The co-signer called and left a voice mail. On XXXX/XXXX/XXXX, XXXX from UAS called the co-signer, but when the co-signer asked her why she was calling, XXXX apologized and hung up with no furtehr explanation for the call. On XXXX/XXXX/XXXX, XXXX from XXXX XXXX XXXX XXXX called the co-signer and said he was returning the voice mail she had left. The co-signer explained that she had called XXXX and asked who was XXXX XXXX. XXXX said they are the same company. He did not tell her why the company was using XXXX names. He then told her that she was not listed on the loan, and he could not discuss it with her, only with the borrower. The co-signer told XXXX that she most certainly is the co-signer and she distinctly remembers signing the loans, but XXXX would not discuss it further with her. After this, the co-signer started to recieve phone calls from a caller with a foreign name on the caller ID - it appeared to be XXXX script, not XXXX alphabet, but it was the same as the UAS calls, no one on the line when answered. The borrower, who had been recieving daily calls with no one on the line began recieving multiple calls from UAS per day, always with no one on the line. Returning the call always results in no answer. Both the borrower and the Co-signer recieve multiple billing statements per week from UAS, and still have not recieved any proof of debt or proof of legitamacy of the financial institutions for which they claim to be collecting. In the period from XXXX XXXX, XXXX to XXXX XXXX, XXXX, the borrower has recieved XXXX collection letters, and the co-signer has recieved XXXX collection letters ( even though XXXX told her she is not the co-signer ).
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2016-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-14
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: Threatened wage garnishment for a loan that is not in default.
Company Response:
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-14
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: This is a situation that pertains to breach of contract services.
Company Response:
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I have received continuous calls from '' Transworld ''. They will not tell me WHY they are calling. They only want verification of my personal info. I 've asked them not to call unless they tell me who they are and why they are calling.
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-11
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I have a private student loan through XXXX XXXX XXXX and they use XXXX XXXX XXXX, XXXX. They have no other repayment options besides just making the monthly payment. They only have XXXX small forbearance period and it is just not enough. I am not going to be able to pay the full amount my lending institution is asking for. Once my deferment for school ends in XX/XX/XXXX, they will be asking me to pay almost {$600.00} monthly. I am only working for a non-profit that does not pay much at all. I attended XXXX XXXX College in XXXX, XXXX XXXX
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2016-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-12
Issue: Getting a loan
Subissue: Can't qualify for a loan
Consumer Complaint: I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.
Company Response:
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2016-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-11
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No