Date Received: 2023-01-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have asked numerous times for a different repayment option, or an extension for temporary deferment due to a strenuous repayment plan of {$770.00} a month. Regarless of paystubs, W-2, monthly expenses lists, and other financial assistance I have showing I am unable to keep this repayment option I am being told I have no choice but to pay the loan amount due. No-one at XXXX XXXX University XXXX XXXX XXXX XXXX is willing to help me so that my life is not severely affected by this. I am a single mother trying to pay this every month and experiencing extreme mental health issues over this with no care in regards from the lender or finance company they sold me original loan company over to.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Improper medical billing and attempt at collection of dual XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX I lived at an apartment complex. As the lease was ending ; the landlord failed to provide me a notice 60 days from the time my lease was ending as stated in their lease contract. They harassed me about their failure to do so and was not able to provide me the notice. However, that was not the end of the harassment and discrimination. I moved out and placed the keys in the unmarked and hard to facilitate drobox before the next business day started in the am and the landlord added a key fee of XXXX or so bucks. I pleaded that they run the security cameras and they would see the keys were placed in the drop box- before they were in the office next business day. I later received a bill from my move -out that was invalid. After months and days and weeks going back and forth with XXXX about the figures ; it was found that XXXX was miscalculating by excess time that I was never in the apartment. once I provided the correct calculations - she refused to provide me the remaining balance of my deposit. It has been over XXXX XXXX years since the communications. However, the XXXX has decided to think it is appropriate to now place the balance that they actually owe me on my credit report XX/XX/XXXX.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Recieved a medical collection otice form Transworld Systems Inc for MY MINOR age SON who is XXXX and not responsible for any medical bills. So the sompany should have verified who the debt should have been sent to and not sent it to a minor.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I called/Disputed a collection letter in the amount of {$1400.00} with XXXX XXXX XXXX I never received information provi g I owed the debt. Today, XX/XX/XXXX I received another demand letter in the same amount. I called and spoke with XXXX, and then supervisor XXXX XXXX they both said the call in XX/XX/XXXX was put in dispute, yet this letter has a new account number. I explained that since both letters were for the same amount they were the same attempt. They once again claimed to put this one in dispute.
Company Response:
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This the only bill I received from XXXX XXXX, that I paid with my insurance this is not my debt, I was not notified of this debt before being placed on my credit bill the only bill I received from creditors and XXXX XXXX is the one Iam sending in
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! YOU PREVIOUSLY IGNORED MY INVOICE SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). FIRST AND FOREMOST IVE NEVER DONE A TRANSACTION WITH TRANSWORLD SYSTEMS INC. SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. TRANSWORLD SYSTEMS INC. HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! IF YOU DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS TRANSWORLD SYSTEMS INC. KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. TRANSWORLD SYSTEMS INC. REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( ONE HUNDRED THOUSAND DOLLARS ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I've recently been getting calls without voicemail messages as well as a collection letter from Transworld Systems Inc ( TSI ) for a debt I supposedly owe to my former employer XXXX XXXX ( XXXX ) from XXXX. When I first started receiving calls and collection letters in XXXX, at that time I opened a dispute with TSI with my former employer XXXX stating that I do not owe any money whatsoever to my former employer. I just learned from a TSI representative that my former employer XXXX " never responded to the dispute from XXXX '', but since my former employer XXXX sent TSI an updated bill, TSI has chosen to resume calling and sending a collection letter. It seems to me that if my former employer XXXX chooses not respond to a dispute from XXXX, then TSI should not resume calling and sending a collection letter until the original dispute has been resolved. I told a TSI team lead that I regard this sort of practice as " harassment '' and I was told by the team lead that this is TSI 's policy.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: TRANSWORLD SYSTEM INC reported a debt in the amount of {$110.00} to the credit bureaus that was opened on XX/XX/XXXX, and I was never notified or received a letter about this debt collection before they reported a collection to the credit bureaus. I have moved out of the apartment on XX/XX/XXXX and called to close this utility bill from XXXX. It is impossible for me to receive any letters if it was sent to that address. Now, this is affecting my credit score because I never received a proper notification from TRANSWORLD SYSTEM INC. I also called Transworld System Inc today to just pay {$110.00} for a pay for delete, but I was told by their representative that they do not do that, so even if I pay for this debt which I have no clue about, my credit will still be affected in a negative way ; this call was being recorded by them as to what their representative stated, and this can be verified by them if they want to do so.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: multiple phone calls, when I answer, they immediately hang up. No letters have been sent to me, only repeated calls but no one will speak. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A