Date Received: 2016-01-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: UAS which finances classes at XXXX over stepped it 's boundaries by compounding debt where there was none and then calling me 6-9x/day - constantly to pay. NYS financial law disallows certain practices as usury. Dodd-Frank also disallows certain predatory practices by lenders. UAS circumvents this by having its back office in MO and it 's collectors in NYS. This is illegal and the States ' Attornies General need to clamp down on this predatory lender and harrasser.
Company Response:
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2016-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My wife and I have been receiving calls from a company claiming that we have an outstanding medical bill. They said they can take payment over the phone and that a form of payment has been mailed to us. We called the doctors because we were/are not aware of any outstanding medical bills. The doctors office told us that they do not even use a collection agency and that our account is up to date and paid for. The calls from the " debt collector '' will not stop
Company Response:
State: MN
Zip: 55449
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-07
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2016-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2016-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2016-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-02
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.
Company Response:
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2016-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-01
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-31
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I went to school at the University XXXX - XXXX XXXX, and I am filing a complaint about my private student loans, which were previously serviced by XXXX XXXX XXXX, for one main reason. The collector they were passed onto will not make contact or provide any documentation as to what I owe, and I have waited for over a year for a response. My parents, who were cosigners, filed bankruptcy last year ( XX/XX/XXXX ). I had never missed a payment and had automatic withdrawal set up on these loans. These XXXX private loans then automatically went into default on XX/XX/XXXX. I did not know this happened. No one contacted me via phone, via email, or via snail mail. Not XXXX. Not the new company that supposedly now owns my loans : NCO financial. After a few months I noticed my payments were not being withdrawn, so XX/XX/XXXX I called XXXX and they explained the situation and provided me with a contact number : XXXX. To this day, more than a year later, I have not received a single confirmation from XXXX or NCO in writing as to who is in control of my loan, what I need to pay, how much was defaulted on, etc. Absolutely nothing. I tried calling this number for NCO more than 20 times over many days, leaving numerous messages, but never received a call back despite the inbox saying they would. Most times the number would not ring or would disconnect before the voicemail could pick up, and no one seemed to monitor the voicemail box. I waited another period of time, and then tried to make contact again later in the year. Finally, I spoke to someone ( I 'm guessing around XX/XX/XXXX ) -- because they actually answered the phone. They explained that my parents bankruptcy was waiting to process ( it had been done since XX/XX/XXXX, according to what my parents told me ), and that I should just be patient and they would make contact soon to set up arrangements. Flash forward to today, XX/XX/XXXX, and I am still waiting. Again I tried making calls throughout the week, and once again, the NCO number listed above did not work over the course of several days at all. It would n't even ring. So I called NCO Group at a number I found : XXXX ( XXXX ) XXXX. The man was pleasant, but redirected me to the old XXXX number. Once again, that number did not work. I called NCO Group again and spoke to a lady. She took my social security number once I explained I had no account number because no one had ever made any contact whatsoever about the money that I owe and I had no documentation. She told me that NCO has no record of managing my student loans that is now supposedly in collections. I asked her several times, but she insisted. I then called XXXX, and spoke to numerous people there, and they told me I had to speak to the Department of Education, which could track down my loans, even though they were private. I called the DOE number provided and spoke to someone there. She insisted that she could only help with federal loans and that private ones were not in the database she logged into. Today, I tried calling the original number again, and I got through to the same voicemail I 'd left messages on almost a year ago, but it is full so unsurprisingly I can not leave another message. All I want is some documented proof of who I owe what to, how much, and if any interest or fees are accruing. I have been waiting for over a year for this issue to be resolved ( after never having missed a payment on my loans ), and I find it absurd that no one will just send a letter, outlining my obligations. I 'm also quite concerned from what I 've read that excess fees and other charges can be accumulating despite my payment history and my efforts for someone, anyone, to just tell me what the heck is going on. Thanks for taking the time to read this long message. I hope I 've described my utter frustration adequately.
Company Response:
State: WI
Zip: 53546
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2016-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-29
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I Never received the ORIGINAL Toll Bill of {$11.00} since the Address is INCORRECT. My Address is XXXX XXXX XXXX, NY XXXX NOT " XXXX XXXX '' as shown on the Collector 's Bill. The Original Bill never got to me. I should not pay this Debt Collection Bill since I never even received the Regular Bill.
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No