Date Received: 2015-06-25
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Younomics is charging what I think is illegal interest. My initial loan amount was XXXX. The finance charge from the Truth in Lending statement show XXXX. However, the finance amount doubled. I have documentation that I plan to mail the IRS fraud department. The principle amount on the loan never decreases. I have XXXX XXXX dollar loans. XX/XX/XXXX, I paid over XXXX dollars in payments. The total principle amount never changed from XXXX. The XXXX sent by the loan servicer showed less then XXXX XXXX dollars in interest payments, which is incorrect. The company did not allocate money toward principle, and the XXXX they issued misrepresented the actual amount I paid toward interest. I am an Accountant. I have been keeping track of my payments, and documenting Younomics interest fraud. My monthly payment per loan is XXXX dollars. There is a XXXX dollar late fee, if payment is late. The principle amount never decreases. XX/XX/XXXX, there statement show interest accrued XXXX, plus XXXX late fee. However, they charged me XXXX under the title " current amount '', The amount of XXXX is applied toward the past due balance of XXXX. The principle remains XXXX. If the XXXX current interest accrual is not paid, then it is also added to the past due amount. Every month there is additional amounts added to interest that 's not justified by contract terms. The statement show interest rate is 10.5 percent. Please investigate this company. I am sure there financial statements and tax returns are fraudulent. I have my original Truth in Lending statement, and I am sure I have the contract also.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was contacted Wednesday XXXX/XXXX/15 at XXXX CST by University Accounting Services/XXXX regarding my account and the status. I was previously asked the same questions from another phone call I received on Wednesday XXXX/XXXX/15 at XXXX CST such as when I could pay the account in full, when my next payment would be made, etc. As I explained on this call, I was disputing this balance with my college and I was making minimum payments, as I can, each month but I was unable to pay the account in full. I had marked on my online account to not be contacted by an automatic dialer on their TCPA Authorization. When I asked XXXX why I was being contacted a week later, he advised it was because my account was on the automatic dialer. When I advised that I had previously not given consent to be contacted in this manner, he stated he would have to review with supervisor. After reviewing, they removed my name from the list. I asked what steps I could take as far as already having my name on the no authorization list - no steps given, just to allow 24-48 hours notice. I receive calls from the company while I am working. When I try and contact the company back, the line just rings and places you on hold, never allowing an agent to answer the calls.
Company Response:
State: IN
Zip: 47712
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-23
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: XX/XX/XXXXUNIVERSITY ACCOUNTING SERVICES & XXXX XXXX XXXX XXXX .... THIS IS MY XXXX STATEMENT AND ALREADY IT HAS PAST DUE CHARGES ON IT ... THE AMOUNT I OWE WENT FROM {$900.00} TO {$910.00} with Interest of {$4.00} plus Past Due Charge of {$3.00} ... .and this is my FIRST Billing ...!!! DescriptionXXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXLoan DetailsID XXXXXXXX ; XXXXDescription XXXX XX/XX/XXXX ; XXXXStatus GraceCurrent Balance $ XXXXCurrent Principal $ XXXXCurrent Fees ( Interest Bearing ) $ XXXXCurrent Fees ( Non-Interest Bearing ) $ XXXXCurrent Interest $ XXXXCurrent Interest Rate 8.900000 % Amount Due $ XXXXDue Date XX/XX/XXXXAmount Past Due $ XXXXCurrent Interval MonthlyAccurate As Of XX/XX/XXXXTHIS IS FRAUDULENT AND PREDATORY BILLING ....!!
Company Response:
State: CA
Zip: 95380
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX/XXXX/15 I paid Transworld Systems Inc. for an old military debt on my XXXX XXXX Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted Transworld Systems Inc for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the XXXX XXXX XXXX card and the balances between the collection agency and the debtor do not match. Transworld has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.
Company Response:
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2015-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX was requested to come to house to service a XXXX range top under guarantee, the Tech was very rude and we asked him to leave our home. A few weeks later we received a bill fron XXXX, we thought it was a mistake as XXXX had sent them. We were finally placed on collection, we contacted XXXX and paid the bill over XXXX months ago. We are still receiving letter from Transworld Systems Inc. We would like to complain about Both company. I had called XXXX times Appliance Service asking them to be removed from the list of debtor with no success. Thank youXXXX XXXX
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2015-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-19
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I was in the hospital XXXX of 2014. I received XXXX statement from the hospital. I called the hospital to make them aware I had no insurance and they understood. In XX/XX/XXXX I was accepted for XXXX Assistance. A social worker contacted me and made me aware all previous medical bills will be taken care of up to XXXX months. I gave all information for hospital bill and the woman said it will all be covered. I never again received a statement from the hospital and never received a collection letter or pre list letter. I am very upset and would like this resolved.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2015-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Transworld Systems Inc is sending me a bill for {$720.00} and I do not owe this. It says city of XXXX. The only thing I ever had with the city of XXXX was a bill for XXXX in XX/XX/XXXX This was settled in XX/XX/XXXX through a debt collector XXXX company. Transworld shows nothing what his is for and they keep sending me unknown bills. it only shows an account # XXXX
Company Response:
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2015-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-18
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: Called me at work -Womans tone on the phone was extremely loud. Everytime I asked for proof of the validity of the debt she kept on saying I owe the debt and we sent you stuff, I never got it told her that and then asked me where I worked. Rude ladyCalled me from a cell number - XXXX Kept on asking why ca n't I pay today. Said I was n't til I see copy of bill she refused to send me a copy. They call me XXXX sometimes XXXX times a day and never leave messages
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They will not answer calls to discuss debt repayment options! I continuously call their customer service number, navigate the automated system, am put on hold, told I will speak with the next available assistant in order the call was received, then told by computer voice that there is heavy call volume and to call back at another time and then I am disconnected.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2015-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-18
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I had some medical service performed several months ago. I see on my insurer 's web site that the insurance company has paid their portion of the bill. I have been waiting for a bill enumerating the service performed and what I owe. Instead I have received a notice from a collection agency that my payment is overdue. When attempting to call the collection agency to explain, they do not answer the telephone. This collection agency is Transworld Systems located in XXXX, PA.
Company Response:
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No