Date Received: 2015-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There was some wrong billing statement generated from XXXX for the phone which I returned within 7 days. I was told that the XXXX account balance was XXXX at XXXX but XXXX generated statement for next XXXX months which I solved with XXXX in XXXX. I called with the debit collection agency in XXXX for zero balance which they verified over phone.But then the collection agency has sent false statement to the credit reporting agency in XXXX with some invalid amount
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2015-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A debt I 've already paid is on my credit report as a collection.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-02
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: ON OR ABOUT XX/XX/2014 TRANSWORLD PLACED A INVALIDATED DEBT INQUIRY, ON XXXX/XXXX/2014 SENT THEM VALIDATION REQUEST CEAST AND DESIST ORDER IN VIOLATION OF TCPA, FDCPA, FCRA ETC.
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-01
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. I find it very unethical of this company to let so much interest add back up to such a high amount. This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: XXXX XXXX, XXXX XXXX, and University XXXX XXXX, XXXX are misrepresenting zombie debt on my credit reports as well as attempting to collect debt that is outside of the Tennessee statute of limitations. According to a letter received from them " the accounts were brought current with the first payment due on XXXX/XXXX/2015 '' -- They are attempting to disguise and misrepresent this zombie debt as current and collectable in an attempt to collect a debt they are not legally entitled to.
Company Response:
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.
Company Response:
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Company Response:
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2015-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-28
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: Transworld now owns this debt but I never received any notice from anyone saying the ownership has changed. I have tried to contact XXXX XXXX but he never returned my calls which he is suppose to do. XXXX XXXX XXXX is a horrible servicer because they are constantly giving misinformation. I made a payment on XXXX/XXXX/XXXX which was XXXX which XXXX XXXX claims was a regular weekday but and their office was closed and the system allowed me to make a payment on that day, I also made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX which was made on a weekend which XXXX claims you ca n't do. I was credit reported on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, now I made a payment on XXXX but it did not post until XXXX/XXXX/XXXX because they were closed on Friday, the day after XXXX which they reported to my credit even though the payment was there, the supervisor advised because the payment was made on the XXXX it will be updated, a payment on XXXX/XXXX/XXXX was posted but the payment was made on XXXX/XXXX/XXXX which was a Saturday but XXXX claims you ca n't make a payment on weekends which I have on numerous times, I also made a payment on XXXX/XXXX/XXXX therefore the credit reporting needs to be removed. This is illegal due to the FCRA because XXXX XXXX XXXX claims their system " credit reported '' me. I can take legal action against Transworld and XXXX XXXX XXXX for illegal FCRA. XXXX needs a set standard as to when credit will be reported because I was told it was based on when the payment was made, since they removed the credit reporting for XXXX and XXXX they should remove it for XXXX since they can see the payment was made. Like I advised before, I made a payment on XXXX/XXXX/XXXX which was XXXX and the payment did not post until XXXX/XXXX/XXXX ( which is not my fault ) and I also made a payment on a Saturday which was XXXX/XXXX/XXXX and it did not until XXXX/XXXX/XXXX, the supervisor removed it because she states they go by the date the payment was made. Clearly XXXX XXXX does not know what she is talking about and clearly needs to look the calendar for XXXX because they removed credit reporting for the same issue but not willing to remove it now. I could lose my job over this and then I will have take legal action against you due to XXXX because you now own this debt. All of the negative credit reporting should be removed, I already spoke with a FCRA attorney and he advised me that XXXX can legally remove XXXX 's credit reporting because the payment was made on the XXXX which they acknowledged and every time I ask for your company 's information, they are unwilling to give it to me which I should have by law since your company is receiving my money every month. XXXX also makes it difficult to make complaints because they do not take any responsibility for anything, the only reason why any credit reporting was removed was because I complained about it. I want all the negative reporting removed so I can get the private loans with another provider which I ca n't do unless the credit reporting is removed, private lenders are credit based so I would need a good credit score to get a favorable rate. Once I am able to get the private loans with another provider, you will be able to get your money because I ca n't continue to deal with this situation with XXXX and I ca n't afford to lose my job over this.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2015-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2015-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-28
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services. My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans. Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes