Date Received: 2015-08-19
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.
Company Response:
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.
Company Response:
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2015-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-18
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: XXXX XXXX XXXX CA. I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. My Story below!! I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You
Company Response:
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2015-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-14
Issue: False statements or representation
Subissue: Indicated shouldn't respond to lawsuit
Consumer Complaint: the policy with XXXX was never renewed due the fact of the changes on the policy. The representative of XXXX on XXXX in he city of XXXX XXXX XXXX, XXXX XXXX tripled the policy amount by including under my insurance persons I did not know and never met. This was brought to the attention of the representative as soon as XX/XX/XXXX. After the disagreement several changes were made with which did not agree still. After that phone communication with XXXX 's NEW assistant I walked in the office to let tem know what I did not wish to have them as my agents any further and that I was shopping other places for insurance. as a matter of fact I am insured now under XXXX and when XXXX representative XXXX XXXX fond out that I got insured Though XXXX send a false bill to TSI. Note I received the debtor 's false collection only days ago, XX/XX/XXXX.XXXX should be ashamed of being represented by thieves. this claim can be supported by e-mail contacts between myself under XXXXXXXXXXXX and XXXXXXXXXXXX. That might be the reason why the representative did not include the electronic communication. respectfully, XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2015-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-13
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Consumer Complaint: I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.
Company Response:
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: contract cancelled with XXXX yet they kept billing. when they did not receive payment on what was not owed them, they had a collection agency try to collect. this agency TRANSWORLD SYSTEMS was notified XXXX in writing that this was not money owed and they continue to sent these harassing notices to an XXXX year lady.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2015-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received a notice from a collection agency regarding a medical bill, but never received a medical bill from the hospital.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-11
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I attended XXXX college in XXXX California XX/XX/XXXX-XX/XX/XXXX upon enrolling I was told that i would n't have to pay anything until after i graduated ; however, some time later i got called into the financial aid office telling me that my loan was n't gon na cover all of my tuition. They made me take out a " Genesis '' loan and told me i would have to make payments while i was at school or they would n't allow me to continue. Some time later after the closure and lawsuit of corinthians I get a letter in the mail saying my " Genesis '' loan was being moved to another company called XXXX. I was told that i would have to pay this no matter what.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2015-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-10
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, XXXX AND EXCELLED IN HIGH SCHOOL AND XXXX -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX XXXX IN IT FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH FED LOANS ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO XXXX PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX -- -- -XXXX ON XX/XX/2015 I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS.
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes