Date Received: 2015-11-27
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2015-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-24
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: While my son was a student at XXXX University ( XXXX, GA ) from XX/XX/XXXX - XX/XX/XXXX, he took out XXXX Private student loans to help finance his education. These loans originated with XXXX XXXX XXXX XXXX, XXXX. and I am listed as the co-signer. Since entering into these original student loan agreements, these loans have been transferred/sold multiple times to various depositors/collectors seeking payment. XX/XX/XXXX, we received correspondence from XXXX - XXXX XXXX XXXX XXXX ( at the address of a relative where neither of us has ever resided ) requesting full payment of these loans. After learning of this correspondence, we immediately contacted this entity disputing that we had any type of loan agreement or arrangement with them and asked for the supporting documentation to substantiate their claim. At this time we provided them with our current address and telephone number ( which is the still same in present day ) as a means of contacting us with the requested information. To date we have yet to receive a reply from this entity. On XX/XX/XXXX I was served with a court summons where I am listed as the defendant in a civil court case ( lawsuit ) where National Student Loan Collegiate Trust XXXX is the plantiff seeking full payment for one of the previously mentioned student loan agreements. Upon further review of the court documents, I learned that this civil court case was opened XX/XX/XXXX with the documentation initially being served to an address that is not my current one, a different address from where the correspondence we initially responded to was sent. Upon asking for the requested information from the loan depositor/collector, we were then served with a lawsuit, a lawsuit from an organization that currently does not have any agreement in place with us as they have sold this loan ( investment vehicle ) multiple times themselves. In addition to this civil case, I have since learned that a total of XXXX civil court cases ( XXXX for each of the student loan agreements ) has been opened although only one has been officially served. The plantiffs in these other cases are National Collegiate Student Loan Trust XXXX and National Collegiate Student Loan Trust XXXX respectively.
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: keep calling several times a day sometimes they just hang up when my machine picks up or today left a message this is XXXX calling from trans world systems, about a debt
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2015-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XXXX/XXXX/14 my wife was in XXXX. I had called her insurance company, XXXX XXXX, asking them what I could do. The representative told me to take her to the Emergency Room and not to worry because it would be covered under her plan. About a month or two later we started getting notices from the ER billing agency that the insurance company was denying the claims, but no reason was given. I kept telling them to please contact the insurance company to get the reason, and regardless, to have the recorded call audited for the representative telling us the service would be covered. I also contacted the insurer to have them audit the call and get this settled. No one contacted me back from either the billing agent or the insurer. Next thing we knew we received a letter from a collection agency, Transworld Systems , Inc., that we owed the money, and again, no explanation. These calls are recorded for a reason and this was one of them. I was TOLD to take her to the ER and that it would be COVERED. Now, the bill is in our laps and no entity is taking the initiative or responsibility to audit that call.
Company Response:
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2015-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-19
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I was a student at XXXX college when the school closed, XXXX of the XXXX colleges. I am stuck paying my private loan in full. How can I get this loan wiped or reduced? My loan was from XXXX but changed their name to UAS. They do not seem like they want to help.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2015-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-18
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Consumer Complaint: I pulled my XXXX XXXX Credit report on XX/XX/XXXX. I noticed there are XXXX inquiries by the company " Transworld Systems INC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no trades to justify the inquiries. Not only does that bring down my credit score it makes it harder for me to gain employment, I also fear it make be my ex boyfriend trying to locate me, he is a debt collector.
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2015-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Account No : XXXX XXXXAmount in Question : $ XXXXI attempted to see a doctor at Minute Clinic which is within the XXXX XXXX XXXX , close to my home. I was fairly certain that I had XXXX ( XXXX XXXX ) and was scheduled to leave for New York the following day on a work trip. The doctor at XXXX XXXX took down all of my information, including my insurance information, which took approximately 20-30 minutes because she had difficulty getting her system to work correctly. She then proceeded to tell me that she could not see me because XXXX XXXX does not handle any eye related problems. I was unclear as to why she did not tell me that when I 1st arrived and filled out the " reason for visit '' on the " sign in form ''. I would like the {$84.00} removed as I never was treated or seen by a doctor. Furthermore, I am confident that my insurance was charged the {$15.00} ( difference between the {$84.00} and the {$100.00} visit ) and therefore I would like that amount refunded as well. It is ridiculous for his company to be able to charge people for treatment which never existed. I have received XXXX notices from Trans world Systems Collection Company dated XX/XX/XXXX & XX/XX/XXXX. I called after the XX/XX/XXXX notice and they indicated a case would be opened. I have not heard back from them ; however I received the additional notice on XX/XX/XXXX. Unless this is taken care of immediately, I am contacting an attorney to start the discovery into how many customers have experienced this same issue.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2015-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: 1. ) I was treated at ER as result of a WORK ACCIDENT XX/XX/XXXX when I was driving a cement mixer truck of the company XXXX. 2. ) The police was present and they DID NOT GIVE ME A TRAFFIC OFFENSE CITATION, because the accident was result of the rainy weather. 3. ) A representative of my employer ( XXXX ) was present at ER and gave the information about their insurance company. 4. ) On XX/XX/XXXX, I received a letter from XXXX inquiring me information about the responsibility of this charges. 5. ) I immediately submitted the information online and by phone call. I got a confirmation e-mail and they stated that will be in contact if they would have additional questions. 6. ) XXXX XXXX, did not contact me anymore.however XX/XX/XXXX TRANSWORD SYSTEMS INC. sent me a letter for collection. Immediately I sent a letter to Transword Systems and to my ex-employer XXXX, to let know them that I do not owe this debt and they have to direct the collection to the insurance company. 7. ) TRANSWORD SYSTEM INC. answered me that they can not effect a change to how the company have listed the account on my credit profile. And XXXX XXXX XXXX, sent me a e-mail, let me know that they informed to the insurance company in timely manner. TRASWORD SYSTEM INC, advised me that I should to contact to you ( FTC ) to file a complain about the way of the debt collection, because in the statement of account contains the insurance information.
Company Response:
State: TX
Zip: 78412
Submitted Via: Web
Date Sent: 2015-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My doctor ordered me to take several medical tests. He did not disclose that there would be a copayment cost with each of them. He is obligated to disclose this to me up front as I am a XXXX patient. I wrote a letter to the medical company saying I should not have to pay the copayment charges as I am a XXXX patient and am supposed to be told up front if there would be any expense to me. The medical company did not reply to my letter but shortly thereafter I received a letter from a collection agency that I must pay. The medical company saying I owe {$100.00} is XXXX MO XXXX. The account with them is " Re : XXXX XXXX XXXX Acct # XXXX {$100.00} ''. The collection agency they used is : Transworld Systems Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. Their reference is : XXXX XXXX XXXX XXXX, Total Balance {$100.00}
Company Response:
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-12
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: I was attending XXXX XXXX XXXX online program starting in XXXX 2009 to pursue an XXXX degree. At the start of my last term I was informed that there was not enough money for me to finish the term and they would n't let me finish unless I took out a private loan for {$2000.00}. The loan statement showed an amount of {$2500.00}. When I first enrolled I told them I was moving to XXXX from the state of XXXX and asked about work opportunities in XXXX in XXXX. They told me it was wide open with plenty of XXXX work in XXXX and within a couple of months of completion of my degree I should be able to find work in the XXXX field. They also told me that I would receive help with job placement upon graduation. The only assistance I received was online job services through my email which I could have found on my own. They also told me that my credits were transferable if I wish to pursue other degrees. They were listed as an accredited college when I started my courses. Since I graduated I have tried to get into XXXX different colleges and they would not accept my credits. I asked why and was informed that XXXX XXXX was not an accredited college. I explained that they were accredited while I attended. They told me it did n't matter. In order to apply for another college I am required to provide a sealed transcript from XXXX. XXXX is now closed and my records are somewhere and I am getting the run around in trying to access them. Due to all the negative publicity in regard to XXXX XXXX and the fact that they closed, my degree is useless which is very frustrating to me because I made the XXXX list and XXXX list several times and graduated with a XXXX GPA. I have now been forced to work for myself. I started a XXXX business and I still can not make enough money to pay on this private loan through XXXX XXXX or my federal student loans. Interest is accruing which is very frustrating to me. My federal loans are over {$30000.00} for an XXXX degree that once again is useless.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No