| 03/10/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPT OF DE XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
TSI/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
TRANSWORLD SYSTEM INC/ XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., XXXX, XXXX XXXX at XXXX ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. XXXX ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 11/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Office of the President CC : Nationwide Credit INC XXXX. XXXX XXXX XXXX, DE XXXX CC : XXXX XXXX AFFADAVIT OF TRUTH Dear Executive Office, Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts, Nationwide Credit Inc & XXXX XXXX the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of this alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the debt collector Nationwide Credit Inc & XXXX XXXX reporting this alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law.
15 USC 1692A 803 Definitions ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
15 U.S Code 1692g Validation of Debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. Banks are debt collectors.
Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3rd party organizations such as XXXX, XXXX, and XXXX without my written consent.
15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) BUREAU.
The term Bureau means the Bureau of Consumer Financial Protection.
( c ) The term Board refers to the Board of Governors of the Federal Reserve System.
( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
( e ) The term person means a natural person or an organization.
( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.
( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract.
( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.
( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.
( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
A national bank has no power to lend its credit to any person or corporation.
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. National Bank of Commerce v. Atkinson, 55 E 471.
Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted Transunion, Equifax, and Experian in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully.
Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information.
Toby D. NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORP., Defendant-Appellee.
Philbin v. Trans Union Corp., 101 F.3d 957, 962 ( 3d Cir.1996 ) ( quoting 15 U.S.C. 1681 ( b ) and Guimond v. Trans Union Credit Information Co., 45 F.3d 1329, 1333 ( 9th Cir.1995 ) ) ( citations omitted ).
Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. 1 Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. The alleged debt owed that the debt collector Nationwide Credit & XXXX XXXX is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law.
15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) CONSUMER REPORT.
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Pursuant to Federal Law 15 USC 1692 C, the debt collector Nationwide Credit & XXXX XXXX must cease collection, and communication of in reference to the alleged debt owed that I am refusing to pay. This inaccurate collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. Nationwide Credit & XXXX XXXX has violated my rights pursuant to Federal Law by communicating with a third party about an alleged debt owed.
15 USC 1692 Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
15 USC 1692b 804. Acquisition of location information Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector Pursuant to 15 USC 1692E ( 11 ) Nationwide Credit & XXXX XXXX initial communication with a consumer must be disclosed that they are a debt collector and there is an attempt to collect a debt. I the consumer have not received disclosure written or oral stating that Nationwide Credit & XXXX XXXX had the intent to collect a debt or that they are debt collectors. This is a willful violation of FEDERAL LAW and my rights as a consumer. This alleged debt is now null and void. A debt collector may not use any false, deceptive or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
15 USC 1692E False or Misleading Representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Pursuant to 15 USC 1692E ( 3 ) Any communication from an attorney on behalf of Nationwide Credit & Terminix International is a violation of FEDERAL LAW. The letter sent to me from XXXX XXXX is signed by a legal assistant. As a consumer this is willful violation of my rights pursuant to FEDERAL LAW.
15 USC 1692E ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full.
15 U.S. Code 1692g - Validation of debts ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation.
I certify under penalty of perjury that the foregoing is true and correct.
Respectfully, XXXX XXXX
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| 01/27/2020 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On or near XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) filed a civil action law suit with their chosen debt collectors of XXXX XXXX XXXX against my mother and me for the amount of {$41000.00} alleging XXXX XXXX issued a student loan to us and later assigned it to XXXX. My mother and I were served with a summons sometime near the end of XXXX begging of XXXX of XXXX. We then proceeded to file in Forma Pauperis along with our answer to the complaint filed by XXXX XXXX XXXX for XXXX.
My mother and I then filed an amended answer on or near XX/XX/XXXX. Shortly thereafter, on or near XX/XX/XXXX XXXX XXXX XXXX filed a Motion for Summary Judgement for XXXX. The motion was heard on XX/XX/XXXX and denied by the court due to the collection law suit being moved sometime in XX/XX/XXXX to the State of Nevadas court annexed program which is a non-binding arbitration governed by statues and court rules for the State of Nevada for any civil law suit that is less than {$50000.00}.
Arbitration took place on XX/XX/XXXX. On or near XX/XX/XXXX the Arbitrator filed his Decision and Award with the court. The Arbitrators Decision attached to this complaint concluded that there was no evidence that a contract was made or funded by XXXX XXXX to my mother and I. Even if a loan was made, there is absolutely no evidence that XXXX was assigned the loan or has the right to collect it. The Arbitration Award was rightfully in favor of me and my mother. Shortly after, on XX/XX/XXXX XXXX XXXX XXXX filed a Request for Trial De Novo on behalf of XXXX. During our research on how to file a Motion to Strike Request for Trial De Novo my mother and I discovered that XXXX XXXX XXXX, XXXX, and Transworld Systems , Inc. ( TSI ) willfully violated several laws and court orders to pursue debt collection litigation against us!
A Motion for Summary Judgement was filed by XXXX XXXX XXXX on behalf/for XXXX on or near XX/XX/XXXX contained an affidavit from XXXX XXXX, an employee of TSI, an application from XXXX XXXX XXXX alleging it to be a contract, an alleged Chain of Assignment, Pool Supplement/Bill of Sale, and various accounting documents. On XX/XX/XXXX in the United States District Court for the District Delaware, the Consumer Financial Protection Bureau ( CFPB ) entered into a consent order with XXXX and TSI specifically prohibiting XXXX and TSI from pursuing debt collection and providing specific statements or documents in attempt to collect alleged debts. The judgement order in which XXXX and TSI are listed as Defendants in the following case : Case 1:17-cv-01323-UNA and can be viewed directly online at the CFPBs website at : https : //files.consumerfinance.gov/f/documents/201709_cfpb_national-collegiate-student-loan-trusts_proposed-consent-judgment.pdf.
Further and more specifically the consent judgement order entered into with CFPB, XXXX and TSI have conduct requirements. Starting from paragraph numbered 8 of the consent judgement order, and quoting the case which is Case 1:17-cv-01323-UNA Document 3-1 Filed 09/18/17 Page 10 of 40 PageID # : 30-33 below, states that : ( Note that Defendants are XXXX and TSI ) 8.Defendants must provide all Defendants Servicers that are engaged in the servicing or collection of Debts with actual notice of this Order within thirty ( 30 ) days of the Effective Date.
9.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not violate sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536, and must take the following affirmative actions : a.Defendants shall take all actions necessary to comply with the terms of the Order, including but not limited to ensuring that all of Defendants Servicers acting as Defendants agents comply with the terms of the Order.
b.Defendants must require that any of Defendants Servicers or other agents retained by Defendants in connection with servicing or collection of student loans ( 1 ) agree to abide by the terms and conditions of the Order and ( 2 ) require any agents that Defendants Servicers hire in connection with servicing or collection of student loans to abide by the terms and conditions of the Order.
c.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not initiate a Collections Lawsuit to collect Debt unless they possess : i.the documentation necessary to prove that a Trust owns the loan, including but not limited to, documentation reflecting the complete chain of assignment from the Debts originator to the specific Trust claiming ownership ; and ii.a document signed by the Consumer, such as a promissory note, evidencing the agreement to pay the loan forming the basis of the Debt.
d.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not initiate a Collections Lawsuit to collect on a loan for which the applicable statute of limitations has expired.
e.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not collect any Debt through Collections Lawsuits that Defendants or their agents have any reason to believe may be unenforceable.
f.Defendants, their officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, are permanently restrained and prohibited, in connection with the collection of a Debt, from submitting any Affidavit : i.containing an inaccurate statement ; ii.in which the Affiant represents, expressly or by implication, that the Affiant is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records when that is not the case ; iii.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the Consumers Debt when that is not the case ; iv.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the loans chain of assignment or ownership when that is not the case ; v.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the documents relating to the loans chain of assignment or ownership when that is not the case ; vi.representing, expressly or by implication, that the Affidavit has been properly notarized if the Affidavit was not executed in the presence of a notary or if the notarization was otherwise not compliant with applicable notary laws ; or vii.in which the Affiant represents, expressly or by implication, that any documents or records concerning the Debt that forms the basis of the Collections Lawsuit have been reviewed by the Affiant when that is not the case.
XXXX XXXX XXXX, XXXX, along with XXXX XXXX and XXXX XXXX XXXX of TSI submitted affidavits after the CFPBs judgement order that were not only identical, but also violated all seven stipulations on or near XX/XX/XXXX in their Motion of Summary Judgement, in Arbitration held on XX/XX/XXXX, and again on or near dated XX/XX/XXXX in their trial brief attempting to collect a debt through a lawsuit willfully violating the court order issued XX/XX/XXXX in the United States District Court for the District Delaware Case 1:17-cv-01323-UNA blatantly committing contempt of court, fraud, and perjury.
Continuing by quoting paragraph number 10 of the CFPBs judgement order for Case 1:17-cv-01323-UNA Document 3-1 Filed 09/18/17 Page 11 of 40 PageID # : 33 states : 10.Defendants are permanently restrained and prohibited from reselling Debt that is time-barred or for which Defendants lack the necessary documentation required by Paragraph 9 ( c ) without obtaining the written agreement of the purchaser to comply with this Order.
11.Defendants, their officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, are permanently restrained and prohibited from, in connection with the collection of a Debt, providing any testimony in a Collections Lawsuit that contains any misrepresentations, including false statements that the witness : a.is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records ; b.has personal knowledge of the Consumers Debt ; c.has personal knowledge of the loans chain of assignment or ownership ; or d.has personal knowledge of the documents relating to the loans chain of assignment or ownership.
12.If Defendants determine that any of their agents, including but not limited to all of Defendants Servicers, are on behalf of Defendants engaging in any conduct prohibited by this Order, including but not limited to Paragraphs 9 and 11 of this Order, Defendants promptly will take the necessary steps to ensure that their agents cease any and all practices that violate this Order.
The documentation is abundantly clear of the numerous and deliberate violations that XXXX XXXX XXXX, XXXX, and TSI have committed against my mother and I including section 9 ( c ) ( i ) and ( ii ), all section 11 of the judgement order, FDCPA 15 USC 1692e, 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692f, 15 USC 1692g, and sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536.
Rather than withdrawing their affidavit and or collection law suit, XXXX XXXX XXXX, XXXX, and TSI refuse to remove their affidavit from any pleadings or cease collection efforts in accordance with paragraph 14 of the judgement order for Case 1:17-cv-01323-UNA Document 3-1 Filed 09/18/17 Page 12 of 40 PageID # : 34 - 35 14. With regard to pending Collections Lawsuits in which Defendants, through actions taken by Defendants Servicers acting on behalf of Defendants, have filed an Affidavit that contains any misrepresentationsincluding but not limited to false statements that the Affiant ( 1 ) is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records, ( 2 ) has personal knowledge of the Consumers indebtedness, ( 3 ) has personal knowledge of the loans chain of assignment or ownership, ( 4 ) has personal knowledge about the maintenance of documents relating to the loans chain of assignment or ownership, or ( 5 ) has attached as an exhibit a true and correct copy of a documentDefendants must either withdraw the pending Collections Lawsuit or ensure that the Affidavit is withdrawn. Defendants must instruct their attorneys, Defendants Servicers, and their agents to either withdraw the pending Collections Lawsuit or notify the court of the following in writing while simultaneously providing the court with a copy of the Order entered into between the Bureau and Defendants : Plaintiff withdraws the affidavit of [ insert name of affiant ] pursuant to an Order entered into by the Consumer Financial Protection Bureau and the XXXX XXXX XXXX XXXX XXXX.
My mother and I included a copy of the CFPBs judgement order in its entirety as an exhibit and requested the court to take judicial notice of the judgement order in our Motion to Strike Request for Trial De Novo filed on or near XX/XX/XXXX. The matter was argued in court on XX/XX/XXXX and the court denied our motion to strike. The presiding judge commented in regards to the CFPBs judgement order we attached to our motion was along the lines of that the findings where highly disturbing and was positive they would be argued and presented to the short trial judge.
Lastly, the collection law suit was moved to the State of Nevadas Short Trial Program set to take place on XX/XX/XXXX. Pre-Trial conference was held on or near XX/XX/XXXX. We confirmed our addresses with the court on or near XX/XX/XXXX and again during the pre-trial conference that was held on or near XX/XX/XXXX verbally confirming where to send documents however, XXXX XXXX XXXX deliberately sent pre-trail discovery, interrogatories, and admission documents to our previous address in hopes they would not be caught abusing the discovery process and cause delay successfully stonewalling us from properly defending ourselves and submitting documentation in a timely manner to the court against the fraudulent collection law suit they continue to pursue. Further, this deliberate and scrupulous action of sending pre-trial discovery, interrogatories, and admissions to our previous address caused us to receive the documentation on or near XX/XX/XXXX when the court required all the paper work due on XX/XX/XXXX as ordered by the Pro-Tempore Judge in his notice we received on or near XX/XX/XXXX. The pre-trail documents contained the same false statements, documents, and affidavits that are the source of this complaint.
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX yet again continues with unfair and deceptive collection efforts by avoiding or failing to contact my mother and I for pre-trial conferences that was to be initiated by them. In all due fairness and to no fault of my own, my cell phone does not receive the best reception at times and is damaged causing it to not always work or run properly. However, this does not excuse the fact my mother who is the co-defendant in this fraudulent debt collection law suit was never contacted. Had a conference line been provided or issued to call by the Pro-Tempore Judge, an issue of not being contacted or potentially missing a phone call due to technical errors to attend pre-trial conferences would have never been an issue and easily prevent underhanded or abusive legal tactics. Regardless, XXXX XXXX XXXX has all the contact information required to contact me and my mother including phone numbers and deliberately abused initiating the pre-trial conference calls by only contacting my telephone leaving a message and not contacting my mother by phone whom is a co-defendant and I was with during both scheduled times for conferences in this fraudulent debt collection law suit making it appear as if we were ignoring and willfully un-attending pre-trial conferences. We were informed via letter received by the Pro-Tempore Judge on XX/XX/XXXX that we may now face court sanctions due to the abuse and blatant deception of XXXX XXXX XXXX not contacting my mother/co-defendant on XX/XX/XXXX.
XXXX XXXX XXXX, XXXX, and TSI continue to submitting affidavits with false and misleading statements and pursue debt collection lawsuits without having the full chain of assignment! They have been informed of the CFPBs judgement order and have all the documentation we have filed with the courts including all the information regarding this matter. Unless the CFPB immediately enforces court orders and the laws against these companies, they will continue this disgusting predatory behavior by filing false statements, misrepresentations, filing debt collection law suits when they do not have the right to collect, and committing fraud against consumers like my mother and I.
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| 12/30/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To the XXXX member Appeal : XXXX of my kids have XXXX and have been receiving services at the center for XXXX and related disorders.
XXXX XXXX XX/XX/XXXX started services at XXXX about 5 years ago. I always had many issues with their billing department such as : double billing for services, no-shows that never happened and was always very difficult to get ahold of anybody. I had to talk to multiple people to get things resolved and even then it would take months to get done.
On XXXX XXXX got billed her deductible twice, after talking to about 6 different people on multiple occasions, a lady by the name of XXXX was able to clear it all out so I had a balance of XXXX .
XXXX never got charged a co-pay for those services since they were using a code that did not require it. XXXX XXXX ( XX/XX/XXXX ) started services at XXXX about a year ago and was also not charged for co-pays. The billing code used previously was XXXX.
I received a bill for XXXX kids charging me ONLY the deductive at the beginning of this year and there were no other charges reflected on this bill. I send my payment in for both thinking I had a XXXX $ balance for both accounts, after the deductibles were paid.
XXXX was recently discharged since she is doing very well so I got a goodbye letter with a XXXX dllr balance on it, which I was not aware of. I called about three times and left a voicemail to find out what this amount was for. I finally got a call back last week letting me know that XXXX has a balance since XXXX for her deductible. I told the person I talked to that XXXX had a XXXX $ balance for XXXX and that I did not know what the XXXX dllrs were for. He explain to me that the recent payment went towards the XXXX balance and the rest is for the copays for XXXX. This was the first time I had ever heard anything about a copay. I explain to him that I do not get billed for co-pay and have not for 5 years. He encouraged me to call my insurance company as my coverage had changed. I told him that I had reviewed the coverage and the coverage had not changed, which was then later confirmed by anthem. I then asked if XXXX had a balance, which he currently has a balance over XXXX!!!
Since the person I talked to did not know any of the details of the balance and did not know " how to look, '' I asked to have a call back from a manager or a supervisor, which never called me back. I have left three voicemails with XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX but have not received a call back. I have also called and left voicemails on their main line but nobody has called me back as of XX/XX/XXXX. On XX/XX/XXXX I called XXXX and we both tried to call them to get ahold of them but were not able to talk to anybody ; they never called XXXX back either.
Until this date XX/XX/XXXX, I have not received a bill from XXXX other than the one where they billed both XXXX and XXXX for their deductibles. I was not aware that, all the sudden, they were getting charged a copay. I called XXXX and did further investigation and they explained to me that for some reason, now they are using a different code to bill us. The new code being used is XXXX along others.
I am always up to date with my bills and have a credit score of XXXX, so as you can imagine the above details have brought a lot of stress to our family. I would like to appeal the co-pays up until the date I found out which is XX/XX/XXXX. I am also aware that I am responsible for the deductibles which I will pay for once the other balance has been resolved. I firmly believe that this was unethical billing since I was not made aware of this change and have not received any notification from the facility. I have made several attempts to reach out to them but have not been successful. The one time I did talk to someone, he was not able to give me details about the amount.
Please let me know if you have any questions at XXXX or at XXXX XXXX XXXX XXXX.
Received a call from XXXX for the first time since XXXX and I started tried to get ahold of XXXX billing. Let a message to call him back. I called back and left a voicemail reminding him that last conversation we had where he was not able to answer any of my questions, so he was going to have his manager call me back.
Since I disputed the balance with XXXX, I did not hear from them again until XX/XX/XXXX. I have called them multiple times and left multiple voicemails, with no successful discussions.
I have left 6 voicemails since then. Only one person called me back on XX/XX/XXXX by the name of XXXX. She said that she will investigate and call me back but never did.
XXXX Wed, XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) To : you ( Bcc ) + 1 more Details Hello XXXX, I have not received a reply from you on the XX/XX/XXXX email. Please respond to my email.
Thanks, XXXX.
-- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/XXXX XXXX XXXX Subject : Re : XXXX Hello XXXX, I reached out XXXX my insurance and they sent me a letter where they state that it was XXXX responsibility to keep me informed of our balance. They advice me to appeal the balance for the copay 's accrued since XX/XX/XXXX of this year. Can you tell me the process to appeal?
Thanks, XXXX.
-- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Sent : Fri, XX/XX/XXXX XXXX XXXX Subject : Re : XXXX Hello, If I had known that I was going to start paying a co-pay in XXXX, I would have switch to " XXXX buy in '' because we can not afford to pay XXXX dllrs copays three times a week.
Therefore, I am disputing the whole balance up until I found out we had a balance in XXXX. Can you please tell me the process to dispute a balance?
XXXX.
From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX Subject : RE : XXXX Hello, XXXX XXXX XXXX and many all other insurances changed from T codes to 9 series codes effective XX/XX/XXXX. This was a requirement and a long process in the XXXX insurance industry.
Again, I am asking what you are asking for in regards to your balance.
Thank you, XXXX XXXX XXXX Collections Lead XXXX x XXXX From : XXXX XXXX [ XXXX : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX I called my insurance and they said that they dont just decide to start charging copays for services. XXXX started billing with a different code that came with a copay. The code used to start with a T now it starts with a 9. Per their manager it was XXXX responsibility to notify us that we would start paying a copay. Which did not happen. What is even worse, we never got a statement.
XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Who do i need to talk to to dispute the charges? It is me Why am I now being billed a co-pay when I didn't for 5 years? Your insurance company determines your copays. Prior to XXXX, they did not indicate there was any patient responsibility. I can not answer the question of why they have now decided to apply copays to your policy, as it is their decision.
Why did I not receive a statement? I have no explanation as to why you did not receive your statement as it was handled by a person no longer with XXXX.
Why was I not made aware of the co-pays? It is not customary that we inform policy holders of changes to their policy.
Below is what I found when I checked your benefits with your insurance. I can not waive the outstanding balance. I am offering to work with you on the balance. If you have a discount in mind please provide that information to me. I am also offering a payment arrangement as copays have accrued since your call XX/XX/XXXX.
XXXX XXXX From : XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX The payment in XXXX was only for the deductible and the statement only had the deductible in it. No other charges. I am aware that XXXX was handling this account since she had to fix it multiple times.
Who do i need to talk to to dispute the charges? I would like to talk to a manager to figure out what happened and what can be done about it. I have not received any concrete answers as to : Why am I now being billed a co-pay when I didn't for 5 years? Why did I not receive a statement? Why was I not made aware of the co-pays? What is the process to dispute these charges?
I am aware that this is not your fault but I need someone to fix this problem.
I called my insurance and they said that there were no changes in my insurance so it is not my responsibility to know about this changes.
Please have your manager reply to this email answering all the questions above.
Thanks, XXXX.
From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : 'XXXX ' XXXX Subject : RE : XXXX Your account was being handled by XXXX XXXX prior to it being handled by XXXX XXXX.
Since XXXX is no long with the company I can not speculate as to when you were last billed. But I do know she had been in contact with you.
We received a payment from you in XXXX and this would only happen if you were made aware of their being copays on the account.
Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Hello, You responded to one question but there were three. Can you tell me why were were not notified that we were going to start getting charged a co-pay? Why did your company not send us a statement until I requested one?
From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX Subject : RE : XXXX Hello, I responded to your email from earlier today and am responding to this email. I will contact your insurance about the deductibles as we did not receive any additional information after their first decision.
XXXX From : XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Hello XXXX, I tried calling you today but again the call was terminated multiple times. I sent you an e-mail asking you some questions but you have not replied.
Can you tell me why were were not notified that we were going to start getting charged a co-pay? Why did your company not send us a statement for 8 months?
Also, deductibles have already been paid for XXXX and XXXX for XXXX and XXXX so they need to be credited back to our account ; For both years. I called the insurance and that is what they reported. It was not the payment made to XXXX.
XXXX.
-- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX XXXX Sent : Wed, XX/XX/XXXX XXXX XXXX Subject : Re : XXXX Good morning XXXX, I still have not heard from you. I emailed you back twice. Please reply to my emails. I still have not received a statement from XXXX XXXX of my kids.
XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hello, Just following up as to what I can reference when I call your insurance. Please let me know the information they need to relay to me.
Thank you, XXXX XXXX XXXX Collections Lead XXXX x XXXX XXXX From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX Subject : XXXX Hello, Sorry about the phone tag issue. Just wanted to send out an email to confirm what I know at this point.
I have not received an email from you. I located your email address from XXXX email.
Phone issue I have reported this issue to our IT and they have our contracted phone company auditing our calls as I have been experience many issues since switching to our new system.
Calls from XXXX XXXX I went back to all of my voicemails for the past two weeks and have not received a voicemail related to your claims.
If you could tell me what information they were calling for, I can gather that and call their claims department. And if you have the info of the person you were working with I can use as reference.
I have audited the account and determined that we are invoicing based on the insurances EOBs, but if there is additional info please let me know.
Thank you, XXXX XXXX XXXX Collections Lead XXXX x XXXX XXXX The above are reference emails from the lead I talked to.
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX - Received a confirmation email that XXXX XXXX XXXX received my payment of $XXXX via my XXXX account (that I did authorize) for 1 T-shirt and 1 lapel pin. Contact info for XXXX XXXX XXXX (XXXX XXXX), XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Phone: XXXX The confirmation email is pasted below:
From: XXXX XXXX XXXX
To: ME (I've taken out my email address for privacy)
Sent: Wednesday, XX/XX/XXXXXXXX XXXX
Subject: Thank you for your order!
Order No. XXXX
Thank you for your purchase!
$XXXX XXXXl
Billing Information
XXXX
Order Summary
ITEM DESC QUANTITY TOTAL
XXXX Lapel Pin (RARE) [Original - No Longer Produced] 2nd Version (XX/XX/XXXX 1 XXXX XXXX T-Shirt (Black) Available in S-XXL Also Available in OD, Tan, White, Grey 1 $XXXX
Subtotal $XXXX
Shipping - USPS PRIORITY FLAT RATE $XXXX
Tax $XXXX
TOTAL $XXXX
Notes
XXXX T-Shirt needs to be XL with Small front logo and Large Back logo as pictured.
This email was sent to you by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX | XXXX
1XX/XX/XXXX- I contacted XXXX XXXX (of XXXX XXXX XXXX) via email to inquire about the whereabouts of my purchase. I also indicated that I would contact XXXX Resolution services for a refund if I received no response.
XX/XX/XXXX - XXXX responded via email), " It takes 7 to 14 days to process an order and shirts have a 3 to 6 week lead time. How dare you threaten me? Please contact XXXX. I'll have your account sent to collections, report you to all three credit bureaus and sue you for breach of contract. Try me."
NOTE: This was the only response I will ever receive from XXXX XXXX.
XX/XX/XXXX- Between these dates I may 7 more email contacts with XXXX XXXX to inquire about items I paid for over 5 weeks, and eventually just requesting a full refund - to no avail.
XX/XX/XXXXXX/XX/XXXX- I contacted XXXX Resolution services to request a refund.
XX/XX/XXXX - Shortly after contacting XXXX, I received an email from USPS that a Shipping Label was created by XXXX XXXX XXXX.
XX/XX/XXXX - I "XXXX" XXXX XXXX XXXX and discovered many people that have been threatened by him, like myself, and received letters from collection agencies regarding XXXX XXXX XXXX for items that had already been paid for.
XX/XX/XXXX - I received the products I purchased from XXXX XXXX XXXX. Even though the T-shirt was not the size I ordered, especially after reading the scams of XXXX XXXX XXXX, I decided to just leave matters alone and move on.
XX/XX/XXXX - I received a letter from a collection agency, Transworld Systems Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX (Phone: XXXX) stating I owed Creditor: XXXX XXXX XXXX $XXXX USD. My reference number on their file is: XXXX.
1XX/XX/XXXX - I contacted Transworld (I poke with Agent ID XXXX), explained the scam, and was told that this account was "On Hold" as they were waiting for more information from XXXX XXXX XXXX. I asked if XXXX XXXX XXXX had a time limit to provide information before disregarding this particular collection, and I was told there was no time limit. I informed them that I was given a 30 day time limit to respond and why does XXXX XXXX XXXX have no time limit. Again, the agent repeated XXXX XXXX XXXX has no time limit. In my opinion, XXXX XXXX XXXX can keep my collection on hold as long as desired, based on Transworld's response, and keep me in a state of concern indefinitely.
XX/XX/XXXX - I contacted the Consumer Protection Agency regarding this complaint and was directed to file a complaint against Transworld Systems Inc. on this Consumer Protection Agency web page, and to contact the Federal Trade Commission regarding XXXX XXXX scam operation.
It is important to note that XXXX XXXX XXXX has a very long "Terms of Service Agreement" disclaimer on it's website. This agreement stipulates a few of the following and my communication inquiries (NOTES) to XXXX XXXX:
1)" If an issue does arise, we are more than willing to work with our customers on correcting any such issues to the extent of considering a refund on a case by case basis." Additionally, "We offer a 100% Customer Satisfaction Guarantee...All of your purchases are protected by XXXX Buyer Protection Program."
NOTE: XXXX XXXX XXXX XXXX XXXX (XXXX) in fact did not uphold the Terms of Service contract himself by NOT applying this so-called "willingness" to communicate with your customer, or consider my particular case to be a "case by case" refund consideration. XXXX failed to update me on my paid for merchandise or offer me a refund in full seems to indicate XXXX XXXX was doing nothing more than trying to frustrate me in a vindictive manner. I mentioned to XXXX on numerous emails that I am a completely unsatisfied Customer, and the fact that XXXX does not truly apply the "100% Customer Satisfaction Guarantee." XXXX website claims have been proven to be false based on it's failure to professionally respond to my own customer inquiries and concerns.
2) " Failure by a customer or buyer to first communicate an issue with XXXX, and the act of filing premature or fraudulent disputes or chargebacks is bank fraud."
NOTE: I have repeatedly communicated my concerns on my PAID FOR merchandise - with NO RESPONSE from XXXX, and even requested a total REFUND - with NO RESPONSE. XXXX in no way honored it's own Terms of Service Agreement with me the Customer.
3) "As a general policy refunds WILL NOT be issued for unreasonable expectations, or extended shipping times, or delays due to international shipping periods."
NOTE: Per your XXXX website, the following is posted, "Up to 47 dozen shirts an hour. Quick turn around...priority shipping standard on most domestic orders."
"Up to 47 Dozen Shirts an hour?" Really? Where is the 1 and only T-shirt I ordered almost 6 WEEKS AGO? I also paid you for Priority Shipping on a Domestic Order! After 6 weeks without my paid for merchandise, surely that is not even considered "Priority" shipping. Your website again makes claims that are not supported at all!
4) "...disputes are a Breach of Contract, as you, the consumer, have a responsibility to contact XXXX, and inform us if there is an issue with an order or whether an order failed to arrive."
NOTE: I have complied fully with your Terms of Service by repeatedly contacting you via email with my Customer issues, yet you have failed to answer my multiple inquiries and my multiple requests for a TOTAL REFUND due to my complete dissatisfaction regarding your TOTAL FAILURE to respond to any of my purchased customer issues with you. Unbelievably you also specify that "...Disputes are a Breach of Contract'? Oh, really? Seems like you and XXXX have no intention to hear any disputes from your customers. Of course your failure to respond in kind to any of my customer inquiries validates your lack of real intentions towards any of your customer concerns and exercising Best Business practices.
The Disclaimer details of "XXXX XXXX XXXX (XXXX)", as referenced above, can be found posted on the webpage internet link: XXXXXXXX.
The following are the actual posted XXXX Terms of Service Agreement Disclaimers, including other posted claims regarding customer satisfaction guarantees:
Web Hosting by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX (c) XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are Not-For-Profit Corporations. All proceeds from all sales of all items and merchandise offered go to benefit the Not-For-Profit efforts of XXXX XXXX XXXX XXXX and 40 other veteran and law enforcement organizations in four countries. XXXX XXXX XXXX XXXX is a XXXX XXXX XXXX whose efforts are focused on helping the families of our XXXX XXXX.
AS A CUSTOMER, YOU ARE RESPONSIBLE FOR KNOWING THE TERMS AND CONDITIONS TO WHICH YOU ARE AGREEING TO BY COMPLETING AN ORDER OR PURCHASE ON XXXX. PLEASE BE AWARE THAT THE TERMS AND CONDITIONS YOU ARE AGREEING TO BY COMPLETING AN ORDER OR PURCHASE ON XXXX ARE LEGALLY BINDING.
TERMS OF SERVICE AGREEMENT
As a general policy we do not offer refunds, but we understand that at times issues may arise. If an issue does arise, we are more than willing to work with our customers on correcting any such issues to the extent of considering a refund on a case by case basis. Our items are customized to fit, and if it is a size or fit issue we will work with you to correct it. If necessary, we will honor a refund on a returned item. Exchanges are also available and our preferred method of rectifying an issue. We will do our best to work with our customers on matters that require returns or exchanges. We gladly accept exchanges or returns of unwashed, unworn or defective merchandise within 30 days of receiving your purchase.
As a general policy refunds WILL NOT be issued for unreasonable expectations, or extended shipping times, or delays due to international shipping periods. These are handmade items and when there is an increase in orders there is an increase in production time.
Chargebacks and disputes are both in direct violation of XXXX Terms of Service. Customers and Buyers have a responsibility to read all of the information provided on the website, information pertaining to lead times and processing time frames and contact information. Failure by a customer or buyer to first communicate an issue with XXXX, and the act of filing premature or fraudulent disputes or chargebacks is bank fraud. When a customer wantonly files a premature or fraudulent chargeback or dispute, XXXX reserves the right to pursue compensation in full through legal action, including small claims court and collection efforts by a third party collection agency, which does report the debt to all three credit bureaus. Premature and fraudulent chargebacks and disputes will incur an automatic $XXXX fee in addition to any fees charged by the original payment processor and the collection agency. In addition to this, any legal action involving a small claims court will automatically incur a XXXX additional charge. Chargebacks and disputes are a Breach of Contract, as you, the consumer, have a responsibility to contact XXXX, and inform us if there is an issue with an order or whether an order failed to arrive. Placing the blame for mail loss or mail theft on XXXX is simply the incorrect way of handling a situation, as we deal with mail loss and mail theft on a daily basis. Falsely or fraudulently initiating an illegal chargeback or an illegal dispute is a direct violation of XXXX Terms of Service and a Breach of Contract. You will be sued for the amount of your purchase, and you will be reported to all three credit bureaus and you will be submitted to collections for the entirety of your bill, including a 50% surcharge and $XXXX in fees along with any additional fees or costs associated with any collection effort.
Additionally, on the XXXX website, it clearly indicates the following:
1) FOR ANY QUESTIONS OR CONCERNS OR SPECIAL ORDERS PLEASE CONTACT US AT XXXX OR UTILIZE OUR CONTACT FORM AVAILABLE AT OUR "CONTACT US" PAGE.
2) We offer a 100% Customer Satisfaction Guarantee. If you are not satisfied with an item you purchase from us we will gladly exchange it for you. All of your purchases are protected by XXXX Buyer Protection Program.
3) UP TO 47 DOZEN SHIRTS AN HOUR. QUICK TURN AROUND. AS LOW AS $XXXX PER SHIRT. MADE IN THE U.S.A.
4) PRIORITY SHIPPING STANDARD ON MOST DOMESTIC ORDERS!
5) 7 TO 14 DAY PROCESSING PERIOD ON ALL ORDERS
PROCESSING DOES NOT INCLUDE PRODUCTION TIME FRAMES
Lastly, Transworld Systems Inc, is supporting the XXXX scam by supporting a creditor that has a record of scam complaints. The following sites have listed many consumer complaints against XXXX:
XXXX:XXXX XXXX
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Summary of Attempts to Pay Debt First Notification of Debt was sent on XX/XX/XXXX for the amount of {$750.00}. I was given the account # XXXX with the options to pay by mail or in person.
Attempted to deliver a check to downtown XXXX office located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The windows were boarded up, and I couldnt figure out which door was XXXX XXXX. I called XXXX, but was put on hold for several minutes. I had to leave to go to work.
I called again to ask if the building was open. They said it was open just boarded up in preparation for possible unrest downtown.
I decided to mail the check for the full amount of {$750.00} proof of postmark shows it was sent XXXX XXXX. This was within the 30 day validation period in which collection cost and interest would not be assessed. Letter was received on XX/XX/XXXX.
Second Notification of Debt was sent XXXX, XXXX, XXXX for the amount of {$880.00}, which includes the initial amount of {$750.00} as well as a Collections Cost of {$130.00}. I was given the account # XXXX with the option to pay online, by mail, or in person I initiated the process of Disputing my Debt on XX/XX/XXXX.
First call was placed XX/XX/XXXX at XXXX. The employee initiated the dispute, and the dispute would take approximately 30 days to be resolved. I asked whether or not I would continue to incur interest on the amount while it was in dispute. She said it would incur debt, but that could be disputed after payment was made.
Second call was placed XX/XX/XXXX at XXXX. I spoke to an employee named XXXX. He told me that the account would be on hold during the time of the dispute, and it would not continue to incur debt. I asked if I could get written confirmation of that. He said that written confirmation would take approximately 30 days to get confirmation sent, which would be the amount of the time the dispute itself would take. He said they could not email the letter, because email isnt secure. He said they could fax it to me, and I said I would find a fax number. He said he would call me in two weeks to follow up on the progress of their investigation into the dispute.
I received a call back from USPS after being put on a waitlist on XX/XX/XXXX at XXXX. A post service employee informed me the TSI employee who signed the Certified Mail slip for the check was named XXXX XXXX.
Third call was placed XX/XX/XXXX at XXXX. I was going to inform TSI who the employee was that signed for the check. I started to explain this to the employee who answered, but couldnt explain without telling her the whole process I have already gone through including the first and second calls, so I asked to speak to a manager. She said the manager was doing New Hire Training, and took a call back number for me. I asked if I would be receiving a call back today. The employee said I would either receive a call back today or tomorrow morning.
I never received a call back.
Fourth call was placed XX/XX/XXXX at XXXX. I immediately asked to speak to a manager. I gave the woman my information including the first account number I was given, and she said that she could try to find a manager, but the account is closed. I said I would still like to speak to a manager, because I would like to understand what happened. She says she doesnt have a manager available. I ask if she can check the second account number I was given. She tells me this account is open, and I owe {$880.00}. I tell her that this is why I need to speak to a manager, because I sent a check, and I know who received it at their company. She said that they havent received any payment, and they cant get rid of the ticket for me. I said I didnt want to get rid of the ticket, but I had already paid it. I asked when a manager would be available. She said I could call back in an hour.
I made my first call to XXXX Municipal Court on XXXX XXXX, at XXXX. I explained to the woman who answered what had occurred so far with the collections agency. She recommended I ask for a supervisor. I said I had twice, but was never connected to one. She said she wasnt sure what she could do to help, but she would transfer me to accounting. I was connected to accounting, and I again explained the situation. She said I would have to go through the collections agency, if the money had been taken from my account and that I should also contact my bank. I said the money hadnt been taken, they just denied that I had paid. She said that if that were the case there is a possibility the account could be pulled from collections and paid directly to the XXXX of XXXX Municipal Court. She gave me the appropriate email address, and suggested I send all proof I had of my attempt to pay as well as my interactions with the collections agency.
Fifth Call was placed on XX/XX/XXXX, at XXXX. I requested to speak to a supervisor. I gave XXXX my account number, and I again explained the situation. She took down the information pertaining to my situation, and said she was going to attempt to locate a supervisor. I was asked a new question this time. She asked if there was some sort of hold placed on the account by my bank. I told her that I had not, but I hadnt heard anything about the check being held by my bank, and that the full amount was still in my account. A supervisor wasnt available again. I continued to speak with her. She asked if I had proof of when this check was sent and to which address. I told her yes I have my certified mail receipt, which proved the day it was sent and to the XXXX DE address that was noted on the slip I was supposed to detach and send with my payment. She said she was going to reach out to a supervisor to see what the next step was. I was placed on hold. The call ended with me on hold after a total duration of 14 minutes and 36 seconds.
Sixth Call was placed on XX/XX/XXXX, at XXXX. I warned the employee I would need to speak to a supervisor. He asked to verify my account. I gave him the information. He asked why I would need to speak to a supervisor. I said because I have already paid the full amount of the debt. ( I misspoke meaning to say I had sent a check for the full amount of the debt. ) I also explained that I was waiting to speak to a supervisor when the call abruptly ended. He said it would be a few moments, but this time hold music was not playing. He asked if I had already checked with my bank. I said I have not yet. He said he was about to get in touch with his supervisor. They were just reading all the notes first. Fifteen minutes into the call I was told I was being transferred to a supervisor, and the call began. I was taken off hold to be told that he was having a technical issue, and that he is restarting his system. I was told he is now ready and hold music began again. The phone was answered and I again explained the circumstances to the supervisor. I discussed the two separate account numbers I was given, after he asked a question. He said it looked like the court had placed a duplicate of my account into collections so the first one was closed, and that is possibly why the check had not gone through. He said he would have to research it, and verified my call back number. I said I had a few questions before we hung up. I asked if while the account was in dispute would the account stop accruing interest. He said it would continue to accrue interest, but after we figure this out we could see if something could be done about it. I said the problem was that I had already sent the full amount before their interest and collection cost. He said that the collection cost and the interest is the courts they just collect debt on their behalf. I said that I had already called the court today, because this is my fourth attempt to speak to a supervisor, and the only one that had been successful. They seemed to have no communication with the company, and even attempted to call them, but couldnt get through. I said I would just like to know who is in charge here, because this is my future and my credit score on the line. He said that they are not one of those companies that buy debt for pennies on the dollar. They only collect on the courts behalf, and that he was going to look into this. After this, the call ended.
On XX/XX/XXXX I received this email reply from XXXX XXXX, an accounting clerk at XXXX Municipal Court, Hello. I spoke with you on XX/XX/XXXX regarding your issues paying TSI. I just wanted you to know that your email was received and it was sent to a Judge for review. I hope to have a response for you within a week or so. Thank you and take care.
On XX/XX/XXXX I received a second email from XXXX XXXX, Hello again. I received a response from the Judge. She has allowed me to remove the case from collections. I show that you have a balance of {$100.00} left on this case. You can make that payment to the Court ( not TSI ). You can make an online credit card payment or mail a check or money order. I have set a delay date of 30 days. Please let me know if you have any questions. Thank you.
Upon receipt of this email I view my bank account and see that the original amount of {$750.00} is gone from my account. I am concerned, because I was told that TSI had no record of this payment. I reply to Ms. XXXX on XX/XX/XXXX asking if they had received that money, and what the additional amount due of {$100.00} is for. Thank you so much for all your help. I just want to ask, because my record of payment hasn't changed in the online payment portal, did you receive the {$750.00} amount from the original check. It has been cashed, and I want to ensure that money has been received by you. I also am confused as to what the additional {$100.00} is for if you could explain that to me.
On XX/XX/XXXX I received this response from Ms. XXXX, Hello. The payment of {$750.00} was made to TSI. They sent the Court {$630.00} and kept the {$110.00} to go towards their interest and/or fees. So after we received the {$630.00} from TSI the balance remaining is {$100.00}. If that amount was still owing at collections it would still have additional interest accumulating on it. I have pulled the balance from collections and the {$100.00} is the amount that is still owing with the Court. Please let me know if you have any other questions. Thank you.
I paid the additional amount online to the court at XXXX XX/XX/XXXX to resolve the matter with the court, but TSI had no right to withhold money for their interest or fees, because they received my check before interest or fees could be applied. I believe they lied about receipt of the check in order for my debt with them to accrue more fees and interest.
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
15 USC 1681 subdivision ( a ) accuracy and fairness of credit reporting. consumer reporting agencies have assumed a vital role in assembling evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agency exercised a grave responsibility with fairness impartiality and respect for the consumers right to privacy.
15 USC 1611 criminal liability for willful and knowing violation.
whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issue there under I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of America called XXXX XXXX do hereby solemnly declare say and state one secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED.
PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit.
FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) trans world systems Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt.
FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that transwold systems is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section.
IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS TRANSWORLD SYSTEMS AND ITS AFILIATES HAVE SENT ME LETTERS WITH DIFFERENT AFFILIATES NAMES SUCH AS RESURGENT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX THIS IS ABUSE IN ITS FULLIST EXTENT I HAVE NO CONTRACT WITH ANY OF THE COMPANIES LISTED ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt.
Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.
abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy.
communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem.
A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications.
And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my express written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER in accordance with the WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. collectors ARE NOT ALLOWED to contact THIRD PARTIES to discuss a debt unless they will give him express consent by the DEPTOR the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at XXXX XXXX XXXX are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have 5 business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions AND RULES UNDER THE FCRA AND CFPB this account which is clearly not mine 18 U.S.C 8 OBLIGATION OR OTHER SECURITY OF THE UNTIED STATES DEFINED The term obligation or other security of the United States includes all DEPTS Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; 15 U.S.C 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) REGULATIONS Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) INFORMATION TO BE INCLUDED The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS ( 1 ) IN GENERAL, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant.
( B ) certified or licensed for such purpose by a State; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
I XXXX XXXX expressly prohibits source receivable management from divulging my personal and private information to any third parties non affiliates and to send out a check to this address at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX and the amount of old balances owed I opt out of source receivable management and its affiliates from divulging and sharing my personal information as it is my right under the fair credit reporting act.
I OPT OUT OF MAXIM CAPITAL SHARING MY PERSONAL INFORMATION WITH NONAFFILIATES!
I WILL NEED YOUR RESPONSE within five business days of receipt of this affidavit.
AS THESE LAWS APPLY TO ALL FINANCIAL INSTITUTIONS, CREDIT AGENCIES, COLLECTION AGENCIES, ALL VIOLATIONS MUST BE ANSWERED FOR The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from ME. And TRANSWOLRD SYSTEMS AND ITS AFFILIATES ARE IN CLEAR VIOLATION
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| 08/26/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2004 a private student loan in the amount of {$25000.00} was disbursed to my mother by XXXX XXXX XXXX ( XXXX ) and/or a lender represented by XXXX. To date, 14 years later I am still completely unaware if XXXX was the original lender or simply the servicer on behalf of the lender, all I know is the XXXX XXXX XXXX/National XXXX XXXX ( XXXX/XXXX ) appears on my credit report regarding the account in question.
At the time of origination, I was XXXX years old and under the impression I was signing forms for my federal financial aid and did not realize I was signing a credit agreement for a private student loan. It was not until some time after the fact that I learned what had actually occurred. On multiple occasions throughout the years I have contacted XXXX requesting that the account associated with the loan be updated to remove me from the account. I explained to XXXX that I did not recall completing/submitting the initial application for the loan and when I signed the credit agreement I did not understand what I was signing the document had been misrepresented to me as a financial aid form and not a private loan agreement. I also informed XXXX that I had personally never seen any documents or disclosures related to the loan, the funds from the loan were not utilized to fund any portion of my education. And most importantly XXXX and/or the lender never actually disbursed the loan to me ( borrower ) but instead disbursed funds directly to my mother ( co-signer ) and as a result I demanded that the account be updated to reflect the correct responsible party to whom which {$25000.00} was disbursed. XXXX refused to provide any form of assistance even though I stated that myself and the party who physically received the funds were willing to sign any required documents to have me removed from the account. It was not until my last attempt at requesting removal that a customer service agent at XXXX/XXXX informed me that he didn't think they could update the account to remove me and name my mother as borrower because the original loan was a " student loan '' and should have been accessible only to students enrolled in a higher education program. He shared that even though my mother had maintained all payments on the loan because was not a student at the time he didn't think he could correct the account.
After receiving this information a few years ago I realized that XXXX/XXXX was not willing to update the account because it would force someone ( lender/loan officer etc. ) to be held accountable for utilizing deceptive lending practices. Although it's been 14 years since the loan was initially disbursed I am reaching out to CFPB because until now I failed to possess concrete proof that the loan was never disbursed to me. The original XXXX/XXXX account has now gone into default and since been sold to TransWorld Systems Inc. ( TSI ).
After receiving calls from TSI, I submitted a dispute letter stating that although XXXX had not removed my name from the account the debt did not belong to me and requested that they contact my mother ( co-signer ) regarding repayment of the debt. I inquired as to options and or arrangements my mother could utilize to settle the account because I refused to provide TSI with any of my information because I never received the loan in question. I told TSI that although my mother is working now she initially fell behind as a result of job loss and a decline in her husband 's health but if they contacted her to make arrangements I be willing to assist her, if necessary, because I am sympathetic to the circumstances that led to her current financial state however because I never received the loan in question I refused to take personal responsibility for the matter. It was at that time I was told by TSI collection agent XXXX XXXX that after reviewing the credit and assets of myself and my mother, TSI has decided to solely pursue me for the debt because based on my mother 's current credit she would not be able to access another loan to cover the balance of the defaulted account. Mr. XXXX told me I either needed to charge the balance of {$17000.00} on my credit cards, obtain a personal loan to cover the balance dues or refinance my home to access funds to cover the TSI account all to which I told Mr. XXXX he was crazy. Mr. XXXX provided me a settlement offer of $ 13,000+ which I refused because I told TSI the debt not mine and under no circumstances would I take out a personal loan for which I'd be responsible for repayment to cover a debt that is legally not mine. At that point Mr. XXXX stated since I was not willing to do any of the options he suggested, he would report to TSI that I was unwilling to resolve the debt so they could begin steps to sue me for the balance.
It was not until after I received a packet of information from TSI attempting to validate the original debt and the sale of the debt from XXXX/XXXX to TSI that I realized XXXX has been in possession of documentation that verified the loan was never disbursed to me ( sole borrower listed on the account ) and as I suspected my request for removal from the initial account were not honored in efforts to cover the deceptive lending practices utilized by the original lender/lending officer. At the time the loan was disbursed my mother had been out of work for a short period of time due to a XXXX. It was my suspicion that the loan officer utilized deceptive practices to justify disbursing a loan to a party that did not qualify for the purpose of increasing the number of loans that he/she processed and closed. In essence the loan officer used my status as student as a loophole to provide a " private student loan '' to my mother who was not a student and therefore not eligible to apply for and/or receive the student loan. It is clear on the credit agreement which we both signed I am listed as borrower ( sole borrower ) and my mother is listed as cosigner. At the time of disbursement, I was of legal age so in accordance with credit/lending practices funds associated with the loan should have been disbursed directly to me. It is my assumption that the original lender/loan officer hoped everything would remain intact in terms of my mother 's employment and her ability to repay so that the lending discrepancies would not be highlighted. In an effort to " justify '' disbursing the loan to someone other than myself, on the lenders " note disclosure statement '' they identify myself and the party who received funds as borrower ( s ), although our signatures are not on this form, however in the credit agreement which both parties signed, I am identified as borrower and she as cosigner. According the Credit Practice Rules outlined on the Federal Trade Comission 's website for businesses located at : https : //www.ftc.govXXXX The section subtitled " Notice to Cosigners '' reads as follows : A " cosigner '' is different from a co-buyer, co-borrower, or co-applicant because a cosigner receives not tangible benefit from the agreement, but undertakes liability as a favor to the main debtor who would not otherwise qualify for credit. On the other hand, a co-buyer ( one who shares in the purchased goods ), a co-borrower ( one who shares in the loan proceeds ), or a co- applicant or co-cardholder ( a person who is authorized to use a credit card account ) do receive benefits. Therefore, they are not considered cosigners under the Rule, and you are not required to provide the notice to them.
As a result I'm confident that the lending agency was aware and the loan officer should have been aware that a cosigner does not possess tangible rights to the goods/funds associated with a loan, a cosigner simply guarantees repayment of the debt associated with the loan. Because I now possess proof of what I've stated all along in that I never received the loan, I've again reached out to TransWorld Systems Inc. and XXXX XXXX XXXX and again requested that they remove me from all accounts. In addition I have also requested to XXXX/XXXX, TSI, XXXX, XXXX and XXXX that the accounts for both XXXX/XXXX be completely removed from my credit history. The original credit agreement should have been deemed null and void upon disbursement in 2004 because the lender failed to adhere to the terms by disbursing the loan to someone other than the assigned borrower. I also requested that the both XXXX/XXXX and TSI accounts be removed from my credit history because for years my credit score and creditworthiness have been negatively impacted by the initial delinquency on the XXXX/XXXX account and now more so by the default status and collection account that have added all in connection with the original XXXX account that I should have been removed from.
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| 06/23/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In summary I was never provided with written, emailed or phone call notification by the original creditor or Transworld that I had an unresolved account or outstanding debt.
I had no knowledge that the account with the original creditor XXXX XXXX was un- resolved, and not closed.
As I have not received written, email or phone communication from XXXX XXXX since XX/XX/XXXX, I assumed my account was closed, all debts were paid and that my account was in good standing.
Although I never received the promised " security deposit authorization '' letter from XXXX XXXX within 30 days of XX/XX/XXXX, of XXXX, I assumed the entirety of my security deposit was applied to any outstanding expenses owed to XXXX XXXX and that they closed the resolved account and that is why they never sent the letter.
( I was not aware of the law requiring this letter to be sent out within 30 days regardless of the status of the account ) I have never received written communication or phone calls from Transworld notifying me of an unresolved account or debt either.
If I had received any written communication or phone communication from either the original creditor XXXX XXXX or the debt collector Transworld prior to this account being placed on my credit report as a collections account, I would have sought to validate the debt, and if validated would have resolved the account with payment, as I am diligent in regards to ensuring that all of my accounts are up to date and paid on time.
Instead of providing advanced notification of an unresolved account Transworld posted this account to all XXXX credit bureaus which I was made aware of on XX/XX/XXXX. Prior to this date this account was not listed on my credit reports and I had never heard of Transworld. I look at my credit reports weekly, and have never seen XXXX XXXX nor Transworld listed on my credit reports until the aforementioned date.
Transworld, In response to your last response : Thank you for sending the full lease agreement including the animal addendum as this document in its entirety was not sent upon initial request for a copy of the complete original signed and executed contract.
Your statement posted on XX/XX/XXXX that XXXX XXXX provided appropriate notice that my security deposit was deposited in XXXX Bank is simply false. The law requires that a landlord provide the name and address of the bank a tenant 's security deposit is held in. There are multiple XXXX banks around the country -- -and many XXXX branches in the XXXX XXXX XXXX, so XXXX XXXX simply listing XXXX as the bank is insufficient and inconsistent with what is required by law in terms of disclosure of where tenant security deposits are held.
As proof that XXXX XXXX did not violate the law by not placing the security deposit in an interest earning account, please send the full account history from the XXXX account my security deposit was held in along with the address of the specific XXXX bank branch that the security deposit was deposited in, in XXXX of XXXX.
Also please provide evidence of the earned interest accrued on the security deposit as required by law by providing the full accounting history of the account my security deposit was placed in.
If XXXX XXXX in fact followed the law and placed my security deposit in an interest earning account which per your own written response would have totaled {$24.00} in earned interest on the security deposit, then the total amount of security deposit applied to alleged expenses owed on this alleged collections account would have had to total {$240.00}. Yet on the accounting record you sent which was created by XXXX XXXX on XX/XX/XXXX XXXX XXXX has shown that only {$2400.00}, the amount of the original security deposit provided to XXXX XXXX in XXXX of XXXX was applied to alleged expenses, proving that XXXX XXXX did not follow the law and place this security deposit in an interest earning bank account. Given your response and this finding it also shows that there are inaccuracies within the full account report history XXXX XXXX created on XX/XX/XXXX.
You have stated over the phone and via your written response that XXXX XXXX sent a list of damages within 30 days of the original email notification that the property was officially leased. My husband and I were informed by phone call from XXXX XXXX on XX/XX/XXXX that a tenant for the property was found. I received an email on the XXXX of XX/XX/XXXX indicating that the property was officially leased and that we were no longer responsible for rent and utilities and would receive the " security deposit authorization '' letter within 30 days of XX/XX/XXXX.
I never received this " security deposit authorization '' letter as XXXX XXXX the original creditor alleges. I have USPS Informed delivery, with visual records of all pieces of mail and packages received between XX/XX/XXXX through this present date ( XX/XX/XXXX ). I have kept meticulous records of every single USPS informed delivery visual notification record file in data storage. XXXX XXXX never sent mail to my forwarding address as evidenced by no USPS Informed Delivery visual record of mail sent from XXXX XXXX at any time in XXXX of XXXX or at any point in XXXX or beyond. I repeat, I have ALL OF THE NOTIFICATION VISUAL RECORDS stored as proof.
Please send physical proof that XXXX XXXX actually sent the " security deposit authorization '' letter to my forwarding address within XXXX days of XX/XX/XXXX as required by law. Physical proof includes either a copy of signed certified mail delivery statement and receipt, or an USPS tracking number with delivery confirmation of this alleged letter that XXXX XXXX claims they sent to my forwarding address within the XXXX days required by law.
If you are unable to produce the requested physical verification as outlined above, XXXX XXXX 's claim that this letter was sent and received is false and unverifiable.
Again I am in possession of ALL of the visual USPS Informed delivery email notifications dating back to early XX/XX/XXXX through to present day. There is NO RECORD of any mail sent within XXXX days of XX/XX/XXXX from XXXX XXXX. In fact review of all USPS Informed Notifications has revealed that I in fact never received written communication from XXXX XXXX from XX/XX/XXXX until present day.
The last written communication I received from XXXX XXXX was via email on XX/XX/XXXX as outlined above.
Despite my email, and cell phone numbers never changing, I have NEVER received any communication from XXXX XXXX.
I was never informed of an outstanding balance, and never informed that this account was not resolved and closed.
Furthermore your company Transworld did not notify me that I had an alleged outstanding debt owed to XXXX XXXX. I received no written communication from your company nor phone calls informing me that there was an owed debt to the original creditor or unresolved account. Thus I had no opportunity to respond to your company, seek debt validation letter and resolve any validated debt through payment which would have provided the opportunity for me to resolve this account, that I previously had no knowledge of.
Instead your company skipped those important steps, that are aimed protect consumers and allow them a chance to resolve validated debts before they have negative impacts on their credit -- -and posted the alleged collections account to my credit reports with all credit bureaus.
If I was aware of any validated debt I would have paid it, and resolved the account to prevent this from being added to my credit report. Prior to you placing this collections account on my credit report without prior notification of an outstanding debt, I had a very good payment history. I have left no accounts unresolved when I am aware of debts or unresolved accounts. ( I have not had issues with known unresolved accounts or known unpaid debts within the last 8 years ).
Despite this, without prior proper advanced notification of this unresolved account you posted this account to all XXXX credit bureaus as a collections account, significantly hurting my credit scores, credit profile, access to credit and capital funding.
XX/XX/XXXX was the first time ever that I learned anything about any debt owed to XXXX XXXX. Without written mailed, emailed or phone communication from XXXX XXXX I had no awareness that this account was unresolved and not closed.
For XXXX years I have received NO information or communication from the original creditor, have never received notification from your company and was completely unaware of any issues until this account appeared on my credit reports on XX/XX/XXXX.
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| 06/09/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Consumer 's Original Complaint : XXXX XX/XX/XXXX the shipper XXXX XXXX XXXX XXXX XXXX ) sent a package from XXXX, XXXX to the importer ( XXXX XXXX ) who was studying in XXXX, XXXX. The contents were packaged at theXX/XX/XXXXstore with assistance with the XXXX employee. {$50.00} XXXX the package was returned ( due to cookies ). Customer service was contacted and we were told by XXXX that we would be refunded in 3 days. No refund received.XX/XX/XXXX XXXX the package was shipped again. Est arrival date XXXX XXXX {$56.00} - XXXX XXXX package stuck in customs. The shipper contacted XXXX no less than less than 5 times and an email was sent to XXXX. XXXX asked for the importers information which was provided several times via phone call and email. The importer contacted XXXX twice and was told he would receive an email for deliveryXXXX XXXX the package was returned. Customer service was contacted and we were told by XXXX it was returned due to a lack of commercial invoice. XXXX then told us we would receive a refund in 3 days. No refund received.Approx XXXX XXXX the package was returned with the original commercial invoice attached.XXXX XXXX : The shipper received a bill from XXXX for {$290.00}. After contacting customer service and billing numerous time we were told we would not receive a refund or adjustment to the new invoice both verbally and by email.Two complaints filed : XXXX & XXXX. XXXX has been unwilling to elevate this to a supervisory level.We have disputed the charges with our credit card, written letters, spent hours on the phone both trying to get the package delivered and trying to resolve the bill.I do not know what more we could have done to make this shipment successful or to resolve this dispute and we are respectfully requesting assistance from theXX/XX/XXXX
Consumer 's Desired Resolution : Billing adjustment ; Refund XX/XX/XXXXProcessing XX/XX/XXXX web XX/XX/XXXX XXXX Received byXX/XX/XXXX XX/XX/XXXX webXX/XX/XXXXReceived XXXX Complaint Without Tracking Number XX/XX/XXXX XXXX EMAIL RequestXX/XX/XXXX Tracking Number from consumer XX/XX/XXXX WEB XX/XX/XXXXCONSUMER PROVIDED XX/XX/XXXX TRACKING NUMBER :XX/XX/XXXX Tracking XXXX XXXX XX/XX/XXXX XXXX EMAIL Informed XX/XX/XXXXof Complaint XX/XX/XXXX WEB XX/XX/XXXX RECEIVED BUSINESS RESPONSE : Dear XXXX XXXX XXXX This is in response to your recent inquiry addressed to the XX/XX/XXXXXXXX
We are concerned to learn of your dissatisfaction with the service you received regarding the shipment traveling on package tracking number XXXX. This package was not released by Customs in XXXX, therefore, it was returned to the shipper on tracking number XXXX and received on XX/XX/XXXX at XX/XX/XXXXXXXX As we discussed, the freight charges are valid, and interline discount is not applicable on return packages.
We certainly regret any inconvenience you have encountered while inquiring about the status of the shipment. We understand your concerns and will continue in our efforts to ensure future shipments are handled to your satisfaction.
On behalf of XXXX, please accept our sincere apologies for the inconvenience you were caused.
Respectfully, XXXX XX/XX/XXXX XXXX EMAIL Forwarded business response to consumer XX/XX/XXXX WEB XX/XX/XXXX RECEIVED CONSUMER REBUTTAL : ( The consumer indicated he/she DID NOT accept the response from the business. ) XXXX has not provided a reasonable explaination as to why the package was returned. We have heard that they contents of the package did not match but they did match. We have heard that a the package was missing a commercial invoice but it did have a commercial invoice attached to the clear pouch when we received the returned box. We had heard that they did not have importer information but this information was provided multiple times both via phone call and email. We were told the first time the package was shipped, we would be refunded. We were not. Had I known this we would not have shipped the package a second time. We were told the second shipping would be refunded. We were not. Instead we received an addition fee for the return costs. Most importantly we have never reviewed a clear explanation of why the package was returned. I had two conversations with XXXX at XXXX on XXXX XXXX XXXX XXXX and she contacted XXXX and told us the package was returned due to a lack of invoice but as stated above, the invoice was in the clear plastic pouch attached to the box? It is unreasonable to ship a package and have it returned ( without discussing ) and be charged 6x the shipping costs without a reasonable explanation as to why the shipment was returned. And all while the shipper is spending hours with a broken customer service system trying to resolve the issue.
XX/XX/XXXX XXXX XX/XX/XXXX MORE INFO RECEIVED FROM THE CONSUMER : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX AM ( 8 days ago ) to Better Thank you, XXXX. I just submitted the 2nd tracking number because there was not a spot for both tracking numbers so I will include them both here below : XXXX XXXX ship : XXXX XXXX XXXX XXXXhup : XXXX I entered the XXXX XXXX number into the link.
Ironically, when my son ( the umporter ) called to pick up the package in XXXX he was asked for the " invoice number ''. He said ( at that time ) that he only had the tracking number and they told him he needed the invoice number to pick up the package which caused a lot of confusion because we are so used to working with tracking numbers. My impression is that their customer service and support I nearly broken. Sad to see from. XXXX who, as a company, has always impressed me until now.
I greatly appreciate the support with this.
Warm regards, XXXX XXXX XX/XX/XXXX XXXX EMAIL Forwarded Consumer Rebuttal to Business XX/XX/XXXX XXXX XX/XX/XXXX MORE INFO RECEIVED FROM THE CONSUMER : see attached XX/XX/XXXX WEBXX/XX/XXXX RECEIVED BUSINESS ' RESPONSE TO REBUTTAL : Dear XXXX XXXX, This is in response to your inquiry addressed to theXX/XX/XXXX XX/XX/XXXX in reference to tracking numbers XXXX XXXX XXXX.
Please continue to reach out to XX/XX/XXXX Revenue Services at the number listed on your invoice regarding charges.
On behalf of XXXX, please accept our sincere apologies for any inconvenience you have encountered. We look forward to serving you more satisfactorily in the future.
Respectfully, XXXX XX/XX/XXXX XXXX EMAIL Sent Business ' Rebuttal Response to Consumer XX/XX/XXXX XXXXXX/XX/XXXX Case Closed- Answered XX/XX/XXXX XXXX XX/XX/XXXX ReOpened the Complaint XX/XX/XXXX XXXX XX/XX/XXXX CONSUMER REJECTED BUSINESS RESPONSE : ***Document Attached*** On XXXX XXXX the XXXX Bill of {$290.00} was paid in full using a XXXX XXXX card XXXX The credit card charge was then disputed and XXXX ( through XXXX ) was provided all details of this dispute. On XX/XX/XXXX, the XXXX Credit Card Transaction Dispute was settled in our favor. ( Letter Attached ). On XXXX XXXX, XXXX, we received an additional bill from XXXX in the amount of {$290.00}, We returned the bill with a copy of the letter from XXXX explaining that the dispute was settled in our favor.
XX/XX/XXXX XXXX EMAIL Forwarded Consumer Rebuttal to Business XX/XX/XXXX WEBXX/XX/XXXX RECEIVED BUSINESS ' RESPONSE TO REBUTTAL : Dear XXXX XXXX, On behalf of XXXX, please accept our sincere apologies for any inconvenience you have encountered. We look forward to serving you more satisfactorily in the future.
Respectfully, XXXX XX/XX/XXXX XXXX EMAIL Sent Business ' Rebuttal Response to Consumer XX/XX/XXXX XXXX XX/XX/XXXX Case ClosedXXXX Answered XX/XX/XXXXXX/XX/XXXX MORE INFO RECEIVED FROM THE CONSUMER : On XXXX XXXX XXXX XXXX we received a collections notification from TRANSWORLD Systems ( TSI ) for the amount of {$330.00} on behalf of XXXX XXXX On XXXX XXXX we disputed the bill with ( TSI ) the collections agency. We also contacted XXXX on XXXX XXXX XXXX XXXX 's explained that the dispute resolution through XXXX / XXXX is binding and final that the dispute was resolved in our favor and that the money was not owed. In summary, XXXX did not provide services paid for nor an explanation as to why, but billed us {$50.00}, {$56.00}, and {$290.00}, which was all paid in full and disputed through our bank and credit card. Then XXXX refuses to accept the dispute resolution and then rebills us and then sends the bill to collections. This has now turned into harassment from XXXX. What happened to XXXX XXXX 's XXXX? Its a shame.
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| 12/21/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX world systems-hippa? 3 years old. Medical.. wont respond to letters sent.
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
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| 05/08/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Starting back in XX/XX/XXXX, I got in contact with a company called XXXX XXXX XXXX ( XXXX ) XXXX, which is a debt consolidation company. They were going to consolidate my debt which was only through XXXX XXXX originally. The agreement would be that I would make one payment to XXXX and they would disperse to each of the five loans for a fee of {$50.00}.
That is when the harassment began. I was sent a harassment letter stating that they were going to sue me and garnish my wages. They were contacting my employer between XX/XX/XXXX and XX/XX/XXXX. According to the Fair debt collection practices act, they can not threaten to sue or call your employer after you inform them to not contact employer. ( 806 Harassment or Abuse of the Fair and Accurate Transaction Act ) Part of 2 on XX/XX/XXXX,. They sent a sheriff to my residence to send me a return of service of summons. They said on the paper it was XXXX XXXX but it was in the late evening because we were at work during the morning hours. XXXX abused the legal system when I was paying a larger amount that took full advantage of the situation. Which has caused me to have XXXX, XXXX XXXX which it was unnessary when I making payments and they never should have take this far. I had requested documents when girlfriend called that day which was XXXX. ( XXXX XXXX phone detail on account XXXX ) My loan ( promissory Note ) I originally signed was with XXXX XXXX for all five of my student loans. In XX/XX/XXXX, XXXX XXXX XXXX Merged with XXXX based XXXX XXXX XXXX. These two large banking companies completed the acquisition of XXXX XXXX in quarter three of XX/XX/XXXX. This is when my student loans were sold to XXXX XXXX XXXX XXXX XXXX, which is a debt collector out of Delaware as a trust, not a lender. They bought or sold to multiple private student loans for the purpose of hedging. ( XXXX ( XXXX ) XXXX.
Statute of limitations is another thing that was brought to my attention. I had multiple loans that were taken out between XX/XX/XXXX and XX/XX/XXXX and payments were never made, because I never signed an agreement with XXXX. According to the laws in Ohio, no debt collector can take legal action after six years ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ) Chapter XXXX : INTEREST XXXX Maximum rate of interest.
( A ) The parties to a bond, bill, promissory note, or other instrument of writing for the forbearance or payment of money at any future time, may stipulate therein for the payment of interest upon the amount thereof at any rate not exceeding eight per cent per annum payable annually, except as authorized in division ( B ) of this section.
http : //codes.ohio.gov/XXXX Ohio Usury Laws Ohio has established a usury cap on personal loans in that state at 21 %. This usury cap applies to personal loans that are made in Ohio and involve an individual that is borrowing the money in question.
In Ohio, if a personal loan agreement that contains an interest rate above the 21 % level is brought before a court in that state, the agreement will be declared illegal. The net effect of such a judicial declaration is that the loan agreement will be voided. Once voided by the court, it no longer is enforceable. In other words, the borrower will no longer be obliged to make payments pursuant to the loan agreement. The borrower is off the proverbial hook.
XXXX XXXX XXXX ( Assignment ) When XXXX XXXX XXXX buys the loans, they then transfer them to subsidiaries such as XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. ( There are several trusts ) For each year from XX/XX/XXXX-XX/XX/XXXX, the transfer from the original lender to XXXX XXXX XXXX is done through what is called an assignment, which they would not produce for me, but would prove that they are the current owners of the loan.
Not accurately reporting my payments to each of the three credit bureaus ( XXXX, XXXX, XXXX ) when I filed a dispute about XXXX XXXX XXXX XXXX XXXX, they had 30 days to prove that I didnt make payments. In about 45 days, I received letters that all three bureaus removed them from my report failing to disprove my dispute. ( copies of each report attached ) violating the Fair and Accurate Credit Transaction Act.
Breech of Contract. FromXX/XX/XXXX, through XX/XX/XXXX, I had made payments promptly and never late. ( Statements from XXXX verifying attached ). XXXX, XXXX XXXX XXXX, the law firm representing XXXX, started requesting that my wages be garnished. So that is when I got a local lawyer involved, XXXX XXXX, to negotiate the terms and stop garnishments. The agreement was that I pay {$120.00} per loan for five loans. This was agreed to by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX attorney on XX/XX/XXXX. On XX/XX/XXXX, they filed again for garnishment when I was making payments on time. I then decided to fight back and went to court on XX/XX/XXXX, and explained that I havent missed any payments and that I was doing everything in my power and proved payment history. Judge XXXX said that we had to negotiate terms within 10 days and get back to the courts. On the last day, XXXX XXXX, attorney with XXXX, XXXX XXXX XXXX called to negotiate terms. He admitted that the reason for garnishment was because the payments were not being applied accurately on their part, which went against the agreement. During the negotiation for payments on the phone, I said that I would pay you XXXX, and what is your counter. He refused to negotiate which put him in contempt of court. The judge called him with no response. This was confirmed by XXXX XXXX, collection supervisor XX/XX/XXXX @ XXXX.
This is the breakdown of the servicers/owners and the inaccurate charges on the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( owner ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX now renamed Transword System Incorp XX/XX/XXXX ( servicers ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$26000.00} {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$4000.00} {$370.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$15000.00} {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$8000.00} {$8000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$18000.00} {$2100.00} LOAN # INTEREST RATE % $ AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAID OFF XX/XX/XXXX XXXX Defamation of character which was public by filing garnishment with the course when I was making payments every month, by publishing records in the XXXX XXXX under the Court News. When I talked to XXXX, a representative at the XXXX County Clerk of Courts, she said that they wouldnt publish it because its not a criminal offense. XXXX, XXXX XXXX XXXX has accounts with the XXXX XXXX and publish records to scare people. Verified that accounts with XXXX XXXX with XXXX XXXX and XXXX in Advertising-XXXX ( XXXX XXXX ) References & Contacts Consumer Response Center XXXX XXXX Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington DC XXXX XXXX XXXX XXXX ( XXXX ) and XXXX Michigan XXXX : XXXX XXXX ; phone XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX XXXX XXXX ( XXXX County Judge Secretary ) XXXX http : //www.ohioattorneygeneral.gov/XXXX XXXX " http : //www.ohioattorneygeneral.gov/XXXX '' debt-collectionFAQs 1345.02 unfair or deceptive Acts or practices http : //www.ohioattorneygeneral.gov/XXXX XXXX " http : //www.ohioattorneygeneral.gov/XXXX '' ag/contacts Bill HR XXXX XXXX XXXX, XXXX XXXX ( Borrowing statute ) Private student loan bankruptcy fairness act ( HR532 ) www.consumerfinance.gov/complaint XXXX ; Consumer Financial Protection Bureau Ohio Attorney General XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, OH XXXX Ohio State Bar Association XXXX XXXX XXXX XXXX XXXX Rep XXXX XXXX District XXXX ; phone XXXX ; fax XXXX XXXX XXXX XXXX District XXXX ; Phone XXXX ; fax XXXX /XXXX XXXX option 2 Bankruptcy Abuse Prevention and Consumer Protection Act or 2005 ( undue hardship test for student loans ) the XXXX Test, the totality of the circumstances XXXX Transworld System Incorp XXXX Test Supervisor XXXX/XXXX XXXX XXXX Court Case # XXXX ; Judge XXXX XXXX XXXX ; Attorney XXXX XXXX XXXX XXXX XXXX Garnishment XXXX XXXX
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| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Over the last three years, Ive consistently tried to work with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To rectify identity theft and fraud issues and bring my account into good standing.
After six months of the worst customer service Ive ever experienced in my entire life and three years of noncompliance at XXXX XXXX XXXX XXXX, all the way up to the highest echelons of leadership.
Its no longer a matter of seeking a vote of no confidence from the Board of Directors.
When employees actively cover up and willfully try to defraud customers on record on the phone multiple times over the course of two years.
Theres a history and timeline of preventing customers from access Two accounts in and timely manner.
While simultaneously going behind customers ' boxes while assuring them that they would be probably followed up promptly and then customers finding out that their bills and then inflated by {$2000.00} while following up with law enforcement on three separate occasions.
XXXX here for six change also knew his XXXX XXXX knew that I was due for neck and back pain-relieving procedures in XX/XX/XXXX. They further sent my wages to be garnished in the middle of me having that procedure forcing me to postpone it.
XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knew this several times and then lied about it when I called her back. She further refused to follow up with management or her staff regarding every one of the issues that I brought to the attention multiple times.
When this was brought to both XXXX XXXX and XXXX and the loss prevention manager I was threatened. XX/XX/XXXX.
This is after my XXXX XXXX XXXX has been compromised six times causing me to have to replace it and be without funds.
The fifth time that my XXXX account has been hacked And repeated hacks on my XXXX account resulting in the closure of all of them.
XXXX XXXX XXXX XXXX then proceeded to send my information on to TSI Transworld in Ohio in Delaware and Washington DC. This is after they informed XXXX and Social Security and IRS and Department of the treasury.
While at the same time refusing to honor or credit any payments that have been made since XXXX legally and properly.
As per XXXX every two weeks.
And every two weeks since XXXX.
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that been non-compliant and their financial obligations to their vendors and customers. Of which some happen to be permanently XXXX and have mobility issues.
No, follow up by XXXX XXXX XXXX XXXX or the XXXX XXXX XXXXXXXX XXXX and identity theft, the employee in Security and Public Affairs Conduct, no follow up on cybersecurity reports, follow up on staff being absent without leave from the post, and follow up on dereliction of duty the XXXX XXXX XXXXXXXX XXXX XXXX. And follow up by the XXXX XXXX XXXX XXXXXXXX on its employee 's felony fraud and Ponzi scheme is happening on face to the community.
Now follow up on willful dereliction of duty and willful neglect of the victims of fraud and failure to advocate for victims of fraud on base.
Now follow up by leadership on base on the conduct of each of the individuals of the security Squadron and Public affairs XXXX XXXX XXXX they refused to answer on why they were sitting on cybersecurity reports for five months. While being out of uniform.
No, follow up on drug screenings for those same individuals including a XXXX XXXX and commander a XXXX XXXX XXXX XXXX. No, follow up on XXXX XXXX XXXX XXXX XXXX XXXX on being AWOL from XX/XX/XXXX to XX/XX/XXXX.
No, follow up on the contact of XXXX XXXX or the loss prevention manager or XXXX XXXX or the manager of the commissary or the main exchange or the gas station or the security Squadron or Public Affairs or the Command I was ever following up after refusing my mail. And police report on the conduct of employees happening in XXXX XXXX XXXX XXXX XXXX XXXX.
No, follow up on a XXXX XXXX, a XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, the information security officer on XXXX XXXX XXXX XXXX, Information security officer at XXXX XXXX XXXX XXXX XXXX crediting my account and a legal and proper and timely manner. Why they were threatening customers with a {$10000.00} fine if I didnt send them five copies of my signature and medical insurance account information including XXXX XXXX and XXXX.
And why the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas cant seem to follow up on routine customer requests in the seven and 10 business days every other customer and business is required to buy law in America under the consumer protection act and Fair Credit Protection, And freedom of information act.
The United States XXXX XXXX personnel are in direct violation for willfully withholding reports on employees committing a felony fraud against customers while selling secrets And customer account information to individuals in entities overseas.
Each individual is still me in an email is keenly and very aware of the actions that they are doing as XXXX XXXX was caught on record perjured himself with the correct address and didnt seem to want to follow up on that correct address with freedom credit repair. XXXX XXXX has perjured herself for three years in a row. As has XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, and Store Loss Prevention Managers were all aware of the situation and lied about it, and perjured themselves multiple times, and after the Loss Prevention Manager threatened me as I was giving him the Attorney General 's phone number on XX/XX/XXXX three years after not researching and honoring XXXX XXXX XXXX XXXX 100 % Guarantee on ANY Identity Theft Issues. Instead, each employee contributed to the fraud by sitting on a report, covering them up from management, refusing to make calls and emails, refusing an official XXXX XXXX Police Report. XXXX XXXX, XXXX XXXX, and XXXX XXXX all went behind Law enforcement, XXXX XXXX Staff, and XXXX customers while engaging in Gift Card fraud. XXXX XXXX and XXXX XXXX were recorded several times, lied about accounts, threatening customers, and bragging that XXXX XXXX could not lose his job.
XXXX space command security squadron repeatedly refused cybersecurity reports and updates. XXXX XXXX XXXX XXXX sat on emails and returned physical police reports by mail without submitting them. XXXX XXXX a Command refused to go across the street and interview Employees about the fraud situation on base.
XXXX Space Command Security personnel were out of uniform and XXXX On duty.
Resulting in prolonged financial hardship and undue stress due to willful neglect on the part of active-duty XXXX XXXX security personnel refusing to advocate for victims of a XXXX XXXX perpetrated by their friends and coworkers on base.
Each of the Managers and Employees, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Loss Prevention XXXX, HR Supervisor, XXXX XXXX ( AWOL from Post ), XXXX XXXX XXXX XXXX XXXX XXXX, Public Affairs XXXX Space Wing, Commander XXXX Space Wing all need to be removed from XXXX XXXX or Office and each prosecuted to the full letter of the XXXX under XXXX XXXX Dishonorable Discharge mandated law and Federal Criminal Law under Consumer Protection Act and the Fair Credit Reporting Act, Felony Wire Tap Fraud, Failure of XXXX Space Wing to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure of XXXX Space Wing Public Affairs to Address fraud and poor XXXX and Security conduct and very poor performance on base and promptly.
Failure of XXXX XXXX to instill order and discipline on base, Failure to stand a watch, failure to report for duty in official Government XXXX, Failure to advocate for victims of fraud on base, and for willful dereliction of duty on multiple occasions since XXXX.
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| 07/17/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX.
Washington, D.C. XXXX To : XXXX XXXX Senior Account Manager XXXX XXXX XXXX XXXX XXXX, XXXX.
XXXX, Arizona Regarding Contract # XXXX : Cease & Desist Collection Harassment - Threats to Ruin Credit Breach of Contract as a result of dereliction of duty to perform as per contract agreement.
Based on the facts herein, I am demanding an immediate cease and desist of the Transworld Systems Inc. Collection Process. I am demanding a complete refund of the original {$390.00} Policy Fee ; I am demanding reimbursement of {$140.00} for XXXX XXXX XXXX XXXX the second plumbers repair fees ; and I am demanding reimbursement of {$220.00} for costs from plumber # 3 who finally completed the proper repair the bathroom damage.
You are on notice that I am hereby demanding full reimbursement to XXXX XXXX in the total amount of {$790.00} immediately due and payable upon receipt of this letter dated XX/XX/2018.
The Fact are as follows : XX/XX/2018 a home warranty was issued to my client XXXX XXXX with an effective date of XX/XX/2018.
XX/XX/2018 XXXX XXXX discovered a water leak bathroom. The wall and the floor around the shower and toilet was continuedly wet. XXXX XXXX called XXXX XXXX XXXX XXXX XXXX , XXXX to have it repaired as per the Warranty Agreement : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, XXXX sent XXXX XXXX XXXX and who misdiagnosed the leak and told XXXX XXXX that the water leak was not covered, that he would have to hire an outside plumber to install a new shower water spout and replace the aluminum shower door frame work before XXXX XXXX XXXX XXXX XXXX , XXXX would repair the water leak. This was insane and of course an obvious excuse made Mr. XXXX very angry after paying {$390.00} for the coverage and now being charged an additional {$50.00} service fee to be told he needed to hire a outside plumber and no repairs were made.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, XXXX sent XXXX XXXX the service call bill for the {$50.00} service charge. XXXX mailed Check # XXXX to XXXX XXXX on XX/XX/2018. XXXX XXXX claims they never received the Check.
XX/XX/2018 XXXX XXXX again called XXXX XXXX XXXX XXXX XXXX , XXXX attempting to get them to do the repairs as per the warranty. Again, he was told by XXXX XXXX he must first hire a plumbing contractor to replace his Shower water spout and the aluminum shower framework before they would agree to fix the water leak. Standard stall tactics used in 74 complaints.
XX/XX/18, XXXX XXXX called XXXX XXXX XXXX, XXXX, the person that came out to inspect the water damage. He wanted the bathroom leaked repaired, his thinking was that he was a licensed plumber and I could pay him out of his own pocket to get the leak fixed. When I called him, he said that he could not fix the leak. And that I would get no help from XXXX XXXX XXXX XXXX , XXXX, but he gave me the number of another plumber named XXXX, he said XXXX could do the repairs and stop the water leak.
XX/XX/2018 XXXX XXXX called XXXX and he came out the next day. XXXX looked at the damage and tried to give me an oral estimate of repair. He suggested an unethical solution, he said that we could charge my homeowners policy and get them to remodel my bathroom and all I would have to do is let his company talk to my insurance company and pay my insurance deductible. I did not want to do this. He said that he would give me a written estimate the next day, but He never followed thru with an estimate. I still had the water leak and the damage was continuing. At this point XXXX XXXX turned this over to XXXX XXXX the Realtor, in hopes he could get this problem resolve and get a refund of my premium from XXXX XXXX XXXX XXXX XXXX, XXXX and use these funds to hire a professional plumbing company to get the leak fixed.
XX/XX/2018 XXXX XXXX researched XXXX XXXX XXXX XXXX XXXX , XXXX and it appears that this company has all the makings of a scam company after reading the 852 Complaints filed with the XXXX XXXX XXXX as well as hundreds of others listed online. Many of the complaints were the same exact problems XXXX was experiencing with XXXX XXXX XXXX XXXX XXXX , XXXX and decided he would cancel the contract.
In his discussion with a woman at XXXX XXXX, he was informed in-order to cancel he must first pay the {$50.00} Service Fee plus a {$75.00} cancellation fee. While in the process of canceling the contract the person at XXXX XXXX XXXX XXXX, XXXX abruptly hung up on him before the process was complete.
XX/XX/2018 XXXX XXXX received a Past Due Notice to pay the Service call for Work Order # XXXX. Now, not only is totally aggravated with the fact XXXX XXXX XXXX XXXX XXXX , XXXX refused to do any repairs he is now being harassed by XXXX XXXX for payment he thought he had already made. Meanwhile the water continues to leak and now 3 months of limited use of the bathroom and unable to use the Shower. XXXX had a growing concern as the water continued to leak he feared it would get into wall area making it prime environment for mold growth.
XX/XX/2018 In desperation to regain full use of the bathroom unable to shower XXXX XXXX called XXXX XXXX XXXX XXXX and talked to XXXX XXXX, a licensed Plumber and made an appointment.
XX/XX/2018 XXXX with XXXX XXXX XXXX XXXX arrived and correctly determined all the damage was caused by a broken toilet ring behind the toilet. In XXXX XXXX the toilets are mounted directly on the wall and this was the source of the hidden leak behind the wall. He told me it would cost {$140.00} to repair and replace the ring and XXXX had him repair the toilet. At that time, XXXX said there was quite a bit of leakage that had been going on for quite a while to do that much water damage to the wall, a cabinet, and the baseboard all around the toilet. If XXXX XXXX XXXX. had done a correctly inspected and properly diagnosed this back in XXXX the damage would have substantially less. I hold XXXX XXXX XXXX XXXX XXXX , XXXX 100 % responsible because they failed in their responsibility and just flat refused to resolve the issue. Instead the damage continued until I got the licensed plumber to do the repairs. At this point the leak was behind the wall and has been stopped, but the damage remains to the drywall and baseboard. I expect that the repair will cost several hundred dollars.
XX/XX/2018 It was discovered that XXXX XXXX XXXX XXXX had not properly installed the toilet wall seal correctly and discovered it was still leaking. XXXX XXXX hired yet a third plumbing company to come out and repair the toilet wall seal again at a cost of {$220.00}.
XX/XX/2018 XXXX XXXX having still to resolve the matter, XXXX XXXX sends a Demand Letter from their Collection Division demanding payment of the Service Call Fee of {$50.00}. This was the 1st threat to ruin XXXX XXXX credit.
XX/XX/2018 XXXX XXXX received Transmittal from Transworld Systems Inc. Collection Agency demanding payment of now {$75.00} fee and threatening to file a Judgement against his credit. It is commonly known that a judgement from a collection company will cause horrendous and long-term damage to Mr. XXXX credit. XXXX XXXX is using this tactic of force and collusion with a collection company to demand payment for services they never rendered. This is a direct violation of ethical standards and a breach of the Home Warranty Contract.
XXXX XXXX Signed on the day of XX/XX/2018
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| 06/25/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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As set forth in the attached correspondence with XXXX, I consigned for two student loans for my ex-fianc and Ive been making the payments. These loans are being serviced by XXXX XXXX XXXX ( XXXX ). Below are details about the loans : -Promissory Note 1 : Executed on XX/XX/XXXX for academic period XXXX. The original amount was $ XXXX and the amount was changed to $ XXXX and the date was changed to XX/XX/XXXX. The initial for these changes is not in my handwriting. -Promissory Note 2 : Executed XX/XX/XXXX for academic period XXXX in the amount of {$32000.00}. It was increased from $ XXXX to {$32000.00}, but this initial for this change does not appear to be my handwriting. In XX/XX/XXXX after examining the promissory notes again, I confirmed my suspicions that the amount of the loan had been increased and the initial was not mine and it appears to be that of the borrower. Subsequently, I filed fraud complaint with XXXX. XXXX never informed me that they receive the fraud package, but when I checked online, no payment was due. On XXXX XXXX, I called XXXX several times during the course of the investigation to make sure no payments were due and they informed me that ( i ) servicing had been suspended during the investigation and a credit bypass had been placed on the account and ( ii ) at the conclusion of the investigation, I would be informed of the results and when payments would be due, if any. On XX/XX/XXXX, I received a call from a collection agency informing me that the loans were 90-day past due. At which time, I called XXXX and was informed that the lender had denied the fraud allegation and that servicing had resumed on XX/XX/XXXX and that I would be informed of when the next payment was due. They were unable to tell me why it was denied and how to appeal it. I was told that I would receive a letter of the findings of the investigation in the mail. On XX/XX/XXXX, XXXX reported the account 90-day delinquency. When I spoke to XXXX on XX/XX/XXXX, I was never informed about when the payment was due or that payment had to be paid before XXXX XXXX to avoid negative credit reporting. On XX/XX/XXXX I called XXXX again and spoke with XXXX and he was very concerned with the sequence of events. He said that I should have been notified of the conclusion of the case and given an opportunity to repay. He said he was going to request that the negative reporting be removed. on XX/XX/XXXX, I called XXXX again and was informed that on XX/XX/XXXX a letter was erroneously sent to the XXXX, the primary borrower, about the result of the fraud investigation and on XX/XX/XXXX a letter was sent to me re : the fraud denial. I informed the agent that I had not received anything in the mail regarding the fraud allegation. While I was on the phone with the representative, I checked my paperless inbox and a letter had been posted on XX/XX/XXXX entitled Loan Information for : XXXX XXXX with a very cryptic message stating : This letter is in response to the to the Identity Theft/Fraud allegation. The Guarantor of the above-referenced loans disapproved the allegation based upon review of documentation. The letter did not provide the specific reason for the denial, and despite me opting not to receive electronic communication, I never received this letter via mail. On XX/XX/XXXX, XXXX received my consumer report dispute. I was informed of this when I called on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX again and spoke with XXXX ( Employee id # XXXX ). He discussed the matter with XXXX, the person I spoke with on XXXX. On XX/XX/XXXX, XXXX called me back to let me know that XXXX was not in the office today and he would give me a call back on XXXX. On XX/XX/XXXX, XXXX called me back again after speaking with XXXX and they recommended I contact the XXXX Department who would be able to address the fraud appeal and the credit issue since they were the impetus. He transferred me to their inbox where I left my name and number. The voicemail stated that they would return my call within 24-48 hours. As of XX/XX/XXXX, my call still had not been returned. On XX/XX/XXXX, I called XXXX again. I spoke with XXXX ( employee id # XXXX ) I was informed that XXXX had determined that the 90-day delinquency that had been reported was correct. However, she was not able to tell me how to appeal the decision. After confirming that the Fraud Department still checks their mailbox, she transferred me to the mailbox again where I left another message. After realizing my communication with XXXX has been futile, I filed a complaint with the CFPB ( Case # XXXX ). As of XX/XX/XXXX, the Fraud Department had not returned my phone call, and I still have not received any information about why my fraud claim was denied or how to appeal the decision. On XX/XX/XXXX, XXXX finally posted a response via CFBP portal. In the letter they denied the fraud claim and told me I could send an appeal letter to them and upon review, they would forward it to TSI for further review. In the alternative, they told me I could contact TSI directly at XXXX to dispute the decision. From XX/XX/XXXX through XX/XX/XXXX, I called TSI and left several messages. I have still have not received a call back from TSI. On XX/XX/XXXX, I submitted an Appeal to XXXX directly as indicated in their XX/XX/XXXX letter. I asked for a response within 30 days. On XX/XX/XXXX I called XXXX to follow-up on the status the Appeal. I spoke with Employee # XXXX. She informed me : ( i ) they received the Appeal on XX/XX/XXXX, ( ii ) there was no notation on the Appeal and it was just sitting in my file, ( ii ) they received it and failed to forward it to a department, ( iv ) there was no matter procedure as to where it should be submitted and ( v ) there are special request codes that are required to be inputted but no special request code was imputed for this appeal and ( vi ) she was going to submit it through the Fraud Department. On XX/XX/XXXX, I submitted a Second Appeal.
When I call TSI at the number listed in their response, I am transferred to a voicemail, in which they state that the person at extension XXXX ( **the telephone number called** ) is busy and to leave a message. Despite leaving numerous messages for TSI regarding the fraud complaint and appeal beginning on XX/XX/XXXX, I have not received a call back and neither have a I received a response to my appeal of my fraud claim denial. Also, as indicated in XXXX XXXX response to XX/XX/XXXX CFPB Compliant they state : " On XX/XX/XXXX, XXXX received your request to appeal the denial of your ID Theft claim. On XX/XX/XXXX, XXXX forwarded your request to TSI. We sincerely apologize that your request was not forwarded to TSI sooner. To date, XXXX has not received a response to your request. You will receive notification once a decision has been made by TSI. '' To date, I have not receive a response from TSI or XXXX regarding either Appeal. TSI has been derelict in responding to both XXXX and myself regarding my fraud complaint. TSI has failed to respond ( i ) to my numerous calls and voicemails to address my fraud complaint and ( ii ) the substance of my fraud complaint and appeal.
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| 12/30/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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1. I have three private student loans that are owned by XXXX XXXX XXXX ( XXXX ) and were serviced by XXXX XXXX XXXX ( XXXX ).
2. In XXXX, I became delinquent on the loans due to financial hardship caused by a family medical emergency. I could not afford the monthly payment for the three loans. My spouse, who is the co-signer on the loan, contacted XXXX several times requesting a payment plan to help us become current on the loans. XXXX told us there were no payment plans, deferments or forbearances available for us, and that our only option was to pay the entire amount due. A partial monthly payment would not help us to become current. I was at a loss and did not know what to do since I could not afford the monthly payment for the loans.
3. I defaulted on the loans in the summer of XXXX and XXXX stopped servicing the loan. I immediately contacted XXXX and asked for the contact information for the creditor or new loan servicer so that I could request a payment plan. XXXX said that Transworld Systems ( TWS ) was the new loan servicer, and XXXX gave me the phone number for TWS.
4. I immediately called TWS, and the agent said that TWS had no record of my loan. The TWS agent referred me to XXXX. I called XXXX and the agent said that XXXX had no record of my loan.
5. In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) called me to set up payments for these three student loans. XXXX negotiated a settlement with me, sent me a document stating the terms of the settlement ( see attached ), and set up direct debit payments with me. I was thrilled with the prospect of getting up to date on my loans, and my spouse was applying for a second job to be able to keep with these settlement payments. In XX/XX/XXXX, the first direct debit payment ( in the amount of {$1100.00} ) was withdrawn from my checking account. Several weeks later, XXXX credited {$1100.00} back to my checking account without notice. I called XXXX to ask why this happened, and the agent said that XXXX had no record of my loan. XXXX did not debit any additional payments from my checking account and I never heard from XXXX again.
6. In XX/XX/XXXX, the status of these three private loans changed to current on my credit report ( see attached ). Since XX/XX/XXXX, my credit reports have stated that my private loans are now in deferment. However, I never requested, signed paperwork or agreed to a deferment. I am concerned that XXXX XXXX XXXX ( XXXX ) put the loans into deferment in order to restart the clock on the loan default and extend the time for the stature of limitations on the loans. Despite the fact that my loans are listed as current and in deferment on my credit report, I received a collection call from XXXX XXXX on XX/XX/XXXX.
7. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ) contacted me to collect payment for XXXX of the XXXX private student loans mentioned above ( which has an outstanding balance of {$24000.00} ). The agent told me several times that XXXX XXXX now owned my student loan. However, I later discovered that this is incorrect, and that XXXX XXXX was only collecting the debt on behalf of the creditor. I asked the XXXX Associates agent many times for information in writing regarding the loan, and for the contact information for the creditor. The agent refused to provide me with this information, talked in circles for one hour, and constantly insisted that I immediately make a payment in the amount of {$400.00} over the phone. I did not want to make a payment until I had some information regarding the loan in writing. Finally, after one hour of arguing with two different agents, XXXX Associates agreed to send me information regarding the loan in writing and the contact information for the creditor. I have not yet received information in writing regarding the loan.
8. On my credit report, XXXX/XXXX XXXX XXXX are currently listed as the creditors for my three private student loans. On XX/XX/XXXX, following the phone call with XXXX XXXX, I called XXXX XXXX XXXX ( XXXX ) to ask if XXXX could provide me with any information regarding my private student loans. The XXXX agent told me that XXXX is no longer servicing my private student loans. He said that the loans are now being serviced by Transworld Systems ( TWS ), and gave me the phone number for TWS ( XXXX ).
9. On XX/XX/XXXX, XXXX XXXX called me a second time at about XXXX XXXX. I missed the call, and called XXXX XXXX back on XX/XX/XXXX at about XXXX XXXX. During this second phone call with XXXX XXXX, the agent told me that XXXX XXXX was probably not working with my student loan any longer, and that my loan was now " warehoused, '' or " in limbo, '' until it was decided which company would work with my loan. The agent gave me the phone number for XXXX XXXX XXXX ( XXXX ) ( XXXX ) so that I could request additional information regarding my loan. I called this phone number for NCT that XXXX XXXX provided to me, however, I discovered that this was actually the phone number for Transworld Systems ( TWS ).
10. I called Transworld Systems ( TWS ), and the TWS agent told me that my private student loans had been sent back to XXXX XXXX XXXX ( XXXX ). However, as I mentioned above, I spoke to XXXX earlier in the day on XX/XX/XXXX, and the XXXX agent told me that the loan was now be handled by TWS. The TWS agent said that she would contact XXXX and would call me back with additional information. I have not yet heard back from TWS.
11. I believe that the current creditor for my loan is XXXX XXXX XXXX ( XXXX ), and that no company is currently servicing my loan. As far as I know, XXXX does not have a website, phone number or mailing address. The XXXX XXXX XXXX ( XXXX ) does not list a phone number or website for XXXX. The XXXX lists the address for NCT as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX. However, the XXXX also states that XXXX is Believed to be out of business, and that, Mail sent to the business on XX/XX/XXXX was returned by the U.S. Postal Service as Undeliverable as Addressed ( XXXX XXXX XXXX ). I do not have a way to contact the creditor or the servicer for my private student loans to make a payment or request information regarding the loans.
12. As a consumer, I believe that I have the right to contact my creditor to make payments and request the current status of my loan. However, I believe that I have been denied this right ever since my loan went into default in the summer of XXXX and XXXX stopped servicing my loan. I believe that denying me the right to make payments on my loan is a violation of federal law under the Fair Debt Collection Practices Act.
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| 05/02/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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|
Web |
Older American, Servicemember |
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On XXXX XXXX I made a dispute requesting the last four years of statements. Emailed received said that they can't provide the last four years of statement. On XXXX XXXX requesting proof before XXXX .
You'll have to contact TSI and ask.
Is XXXX XXXX representing you in regards to this account? If you have retained an attorney, I can only speak with your attorney going forward.
XXXX XXXX XXXX
Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it
-----Original Message-----
From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [ XXXX ]
Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX
Subject: RE: Dispute
How would I know whether XXXX decides to consider settlement in XXXX ?
-----Original Message-----
From: XXXX XXXX [mailto: XXXX ]
Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF
Subject: [Non-DoD Source] RE: Dispute
In order to stop the garnishment you have to pay the balance in full. Payment plans will not stop federal offsets.
If the garnishment has started and XXXX decides to consider settlements in XXXX , yes, paying a settlement in full would stop the garnishment as doing so would remove the lien attached to your social.
Thank you,
XXXX XXXX XXXX
Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it
-----Original Message-----
From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [mailto: XXXX ]
Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX
Subject: RE: Dispute
What is the amount that I have to pay? Once the garnishment start can I make a offer in XXXX ?
-----Original Message-----
From: XXXX XXXX [mailto: XXXX ]
Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF
Subject: [Non-DoD Source] RE: Dispute
The only way to prevent garnishments of federal funds is to pay the account in full. The lien on your social will remain in place until the debt is satisfied.
Thanks,
XXXX XXXX XXXX
Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it
-----Original Message-----
From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [ XXXX ]
Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX
Subject: RE: Dispute
What can I do to avoid the garnishment off my XXXX XXXX until I can make offer in XXXX ?
XXXX XXXX XXXX
LDTA
XXXX
DSN XXXX
-----Original Message-----
From: XXXX XXXX [mailto: XXXX ]
Sent: Friday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF
Subject: RE: Dispute
Everything was requested on XX/XX .
Thanks,
XXXX XXXX XXXX
Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it
-----Original Message-----
From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [mailto: XXXX ]
Sent: Friday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX
Subject: RE: Dispute
I want some kind of proof before XXXX . I would like a copy of the statement that you send me for this debt from your company and XXXX XXXX statement.
-----Original Message-----
From: XXXX XXXX [mailto: XXXX ]
Sent: Thursday, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF
Subject: RE: Dispute
We cannot provide the last four years of statements; however, Proof of Debt was requested on XX/XX/XXXX and will be sent to you by mail. It was also mailed in XXXX XXXX XXXX .
Thank you,
XXXX XXXX XXXX Division Manager | Government Services Division Toll free: XXXX | Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it
-----Original Message-----
From: XXXX XXXX XXXX CIV USAF AETC 42 CPTS/FMF [mailto: XXXX ]
Sent: Wednesday, XXXX XXXX XXXX XXXX XXXX
To: XXXX Subject: Dispute
Please forward the last four years of statements. Account number XXXX .
XXXX XXXX XXXX
|
| 05/12/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
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This is my THIRD complaint with the CFPB. PLEASE READ THIS IN ITS ENTIRETY!!
To start, I sent in my forbearance request to a XXXX XXXX XXXX of University Accounting Service ( UAS ) by email on XX/XX/XXXX as per her request and was told it will take 10-14 days to process. We are now past that 14 days and I still have not heard anything. Then, I sent a follow-up email asking for confirmation of receiving my email to both XXXX XXXX and UASs main email, UASconnect, on XX/XX/XXXX. I still have not heard anything from XXXX XXXX while someone from Borrower Relations at UAS contacted me on XX/XX/XXXX asking to provide information that was already included in the paperwork submitted and attached to the email they were included on ; I have since replied with all of the attachments again ( see attachments ). I am beginning to wonder if XXXX XXXX even works for UAS or if UAS is a legit company. Due to a lack of response, I will end up being delinquent as my payment is due on XX/XX/XXXX, which is through no fault of my own. If these issues are not addressed, it could also result in possibly having to go into a default status causing a major negative impact to mine and my co-borrowers credit report.
Based on my agreement that was signed with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, I should be given two choices when it comes to repayment. However, XXXX XXXX informed my co-borrower that she was not aware of a second option and requested that I send in a copy of my agreement so she could read through it and help me understand it better. ( 1 ) UAS should have a copy of my agreement on file already and ( 2 ) it should not be my job to provide it. This leads me to believe that UAS may have lost the original agreement or possibly that UAS forged mine and my co-borrowers signature on another agreement that we have not received nor have we signed a second/new agreement.
This brings me to a third issue that I previously brought to UAS attention. My payment due date has been changed three times. The first time it changed, UAS claimed that they had the right to change it based on when I graduated in XXXX ; this response was received in the first complaint I filed with the CFPB submitted XX/XX/XXXX. The second time, UAS changed it back to the tenth of every month as promised per my request, through my second CFPB complaint submitted XX/XX/XXXX ; and a week later changed it to the fourteenth of every month. UAS says my due date can be found in my promissory note. However, I have no due date listed in my agreement/promissory note. UAS also claims that as I furthered my education I forfeited my right to a 6-month grace period, which is not stated anywhere in my agreement. As a result, I have had to file an in-school forbearance while completing my XXXX program to which I do not qualify as this is not an option listed in my agreement under forbearances ( only military and financial hardship are listed ).
The fourth issue is that after filing an in-school forbearance, I have had the interest capitalized, which I know happens as it is stated in my agreement. However, no where in my agreement does it say that my credit limit increases as a result of capitalized interest. The agreement, and every definition, states that capitalized interest is added to the principle of the loan. Based on this, my credit limit should still reflect {$75000.00} and my principle should reflect {$74000.00} plus capitalized interest. My agreement also states that my credit limit will not increase unless the borrower or co-borrower asks for an increase. This has had a negative impact on my credit and my co-borrowers credit. I request that my credit limit be set back to {$75000.00} like it has been since the acceptance of my application in XXXX.
The fifth issue is that XXXX does not want anything to do with this loan. When we ask them questions about it, they tell us they have never heard of the loan as they no longer offer it and refer us to UAS. UAS, in response to those questions, asks us to contact our lender, XXXX, for help. As you can see, we are constantly being sent in circles. We spoke with a manager at a branch of XXXX on XX/XX/XXXX and said she would get with the loan department to figure all of this out, but we have not heard back from them and it is now XX/XX/XXXX. Another example of this as of XX/XX/XXXX, XXXX has sent us back to UAS with a phone number and link to make payments, while also stating that the lending department cant review the loan details and that manager has given the information to their boss who is going to do more research.
Going off of making payments, it was brought to my attention that I am being over-charged for monthly payments. As previously stated, there are two options for repayment listed in my agreement. One of the two repayment options has the amount being amortized over a span of 25 years, and the other option has the amount being amortized over 40 years for the first 2 years of repayment and then the amount gets amortized over 23 years. Both payment options give me a monthly payment that is less than what UAS is charging me. UAS appears to be amortizing my amount over 18 years. I have confirmed this with my mom who works at a completely different credit union and is well versed in the federal regulations associated with lending products.
I could go on and on but at some point UAS has to stop creating their own rules that are outside of my signed loan agreement. UAS needs to correct their mistakes and stop taking advantage of people who have loans with them. Looking at everything, UAS is constantly changing things about my loan to suit their needs. If that is the case, then why should I be held accountable for a loan that the servicer is treating as their own personal loan? Since when is it okay to take advantage of graduating college students? Would you allow your kids to have the same thing happen to them? I am beginning to wonder if any one can help me with this since the CFPB does not seem to acknowledge any problems as this is the third complaint sent through them. I have spent numerous nights questioning whether it was worth it to have gone out of state for college or if I should have held off. I have had numerous anxiety attacks, depressive episodes, and spent nights crying hoping this would all be over. Therefore, I will be seeking legal help and follow-through with arbitration as this has been going on for three years.
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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XXXX XXXX XXXX, the servicer on my XXXX College Loan, updated to a new online borrower portal called XXXX XXXX in XXXX and XXXX of XXXX. I have been repaying this loan since XXXX ( with autopay for the last several years ) without incident until the switch to XXXX XXXX took place. A problem with my autopay on or around XX/XX/XXXX set off a series of events I will detail below that culminated in 2 late payments and a negative effect on my credit score - this all despite my extensive and well-documented efforts to pay my loan and re-set up my autopay via email and phone. I think that there was an internal problem on the part of XXXX when they switched over to the XXXX XXXX system, and that this problem was compounded by an inability or unwillingness on their part to help me fix it. I would like ( 1 ) for my credit to be restored, and ( 2 ) for the two recent missed payments to be removed from my record.
All attachments are labeled A through I and referenced as such below.
In XX/XX/XXXX I received an email ( A ) that XXXX was anticipating system down time while they upgraded to the XXXX XXXX online borrower portal. I was informed that no late fees would be assessed in the month of XX/XX/XXXX, and there was no indication that action needed to be taken on my part to continue my recurring payments ( that had been set up and working well for years ).
On XX/XX/XXXX I received an email that the switch to XXXX XXXX was complete and that my account was active ( B ).
On XX/XX/XXXX I received an email that I had a new document on the XXXX XXXX system to review ( C ). This document showed that as of XX/XX/XXXX my account was current, with an automatic debit of {$140.00} ( my usual amount ) to take place on XX/XX/XXXX. Great.
On XX/XX/XXXX I received another email that I had a document to look at. This document, dated XX/XX/XXXX, stated that my account was PAST DUE in the amount of {$180.00} ( D ). This was a surprise to me. I logged on to the website and viewed my payment history ( E ) and indeed, the status of the XX/XX/XXXX autopayment was " failed ( unapplied ) ''. I tried to pay online then and there but there was a problem with the system and I was unable to make the payment ( as happened to me again, on XX/XX/XXXX ). I tried to call, but it was after business hours. I was able to try to establish that my autopay was still set up, and received an email confirmation that autopay was indeed set up on my account ( F ).
On XX/XX/XXXX, the date my autopay was set to debit from my account, I received an email that " due to my request '' my autopay had been cancelled ( G ). As the loan was due that date, this resulted in my account now being TWO MONTHS OVERDUE. I did not request for my autopay to be cancelled at any time.
On XX/XX/XXXX I called XXXX XXXX customer service to sort out why my autopayments were failing ( on XX/XX/XXXX ) and being cancelled without my knowledge ( on XX/XX/XXXX ). Importantly, I also had my credit card out and was about to pay the balance of the bill, but the representative STOPPED ME, saying she " saw two different due amounts listed '' and that she would refer me to their account specialists to see how much I owed, and would follow up with me. She never followed up. There should be a quality assurance recording of this phone call. I could have paid my bill that day, but she advised me against it. I am sorry I followed her advise. I told her of my concern that my credit could be affected by my unpaid balance, she told me the account specialists would look into it. Notably, she asked if I was using a XXXX Bank account to pay my bill, which I thought was strange. I have an old XXXX Bank account that I closed years ago, and have used my XXXX XXXX XXXX account to make payments on this loan for years. I have a suspicion that when the switch to XXXX XXXX took place, the XXXX Bank account was erroneously used for my autopay and this is why my autopayments began to fail at the exact same time they switched their system. Just my hunch. Not my fault, and I shouldn't have to pay for their mistakes with my own credit score.
On XX/XX/XXXX I received an email that again I had a document available on the XXXX XXXX website. I viewed it and to my horror, it showed that my account was still {$360.00} past due ( H ). I thought at least the status would be suspended due to my recent phone call and active case with customer service. I immediately tried to pay the account online but there was an error. I wrote an email to customer service detailing that I had just tried to pay online but couldn't, and requested that they fix this problem right away, and was met with the response " we will refer this to our account specialists. '' ( my email not attached but available ).
On XX/XX/XXXX I called customer service again. I was able to pay the balance this time over the phone, bringing my account current. I also set up autopay over the phone yet AGAIN and thought the issue was resolved. I again asked her to ask about fixing my credit and again she said she would refer me to their account specialists.
On XX/XX/XXXX I received an email ( H ) that again, my recurring payments had been cancelled, again without my knowledge.
On XX/XX/XXXX, I went online and just paid the balance that was due XX/XX/XXXX ahead of time as I just wanted to feel secure that I was not going to be late on any more payments.
The status of my account now is that it is current, and my next payment is due XX/XX/XXXX, supposedly as an automatic debit. I will, of course, be checking that day to make sure the payments go through and will pay it manually if there is ( again ) a problem.
Throughout this ordeal the customer service has been lacking. Clearly, there was some kind of hiccup with my account when they changed their systems and the end result is that after trying to do the right thing at every turn and work with their customer service time and time again, I now have registered late payments for XXXX and XX/XX/XXXX that are affecting my credit. I'm trying to buy a house and this is really affecting me. They don't seem to be willing or able to set up my autopay correctly and work on reversing the damage they've done to my otherwise super stellar credit. My last recourse is to file a complaint with this agency.
|
| 01/25/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I have sent the following two ( 2 ) letters to Transworld Systems Inc, filed a Federal Trade Commission Identity Theft Report, and am now filing this complaint for their recent violation of Fair Debt Collections Practices Act, including 809 Validation of Debts 15 USC1692g. TSI is attempting to collect a debt which I do not owe and for which I am not responsible. I believe their most recent actions have been taken in bad faith and for the purpose of harassment.
First letter, mailed XXXX XX/XX/XXXX : Transworld Systems Inc.
XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX Wednesday, XXXX XX/XX/XXXX To Whom It May Concern : Today I received a notice of debt, dated XXXX XX/XX/XXXX, account # XXXX, former creditor account # XXXX, in the amount of {$1600.00} for service allegedly rendered on XXXX XX/XX/XXXX. I am writing within 30 days to dispute the validity of this debt in its entirety.
Please provide me with the original itemized invoice, including the service location, service provider, diagnosis, any medications, et cetera to substantiate this alleged debt.
Furthermore, I suspect this is medical fraud. Thank you.
All the best, XXXX XXXX XXXX Second letter, mailed XXXX XX/XX/XXXX : Transworld Systems Inc.
XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX Transworld Systems Inc.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Saturday, XXXX XX/XX/XXXX RE : Account # XXXX, Former creditor account # XXXX To Whom It May Concern : This letter is to follow-up my previous request, made Wednesday, XXXX XX/XX/XXXX, to dispute of this debt in its entirety and requesting an original itemized invoice, including the service location, service provider, diagnosis, any medications, et cetera to substantiate this alleged debt. I made this request following receipt on XXXX XX/XX/XXXX of the initial bill you provided for alleged services, dated XXXX XX/XX/XXXX, in the amount of {$1600.00}.
The documentation you provided, which I received today, Saturday, XXXX XX/XX/XXXX, including your cover letter dated XXXX XX/XX/XXXX and a XXXX Statement of Account, dated XXXX XX/XX/XXXX, received by mail on XXXX XX/XX/XXXX, does not sufficiently answer this request. No original itemized invoice, diagnosis, any medications, et cetera were provided. The XXXX Statement of Account, dated XXXX XX/XX/XXXX, stated merely the date on which service was allegedly rendered, XXXX XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, three CPT codes ( XXXX, XXXX, XXXX ), accompanied by inadequate descriptions ( emergency interp XXXX XXXX XXXX, XXXX XXXX XXXX, and emergency XXXX & XXXX XXXX XXXX ), XXXX XXXX as the provider, charges for {$110.00}, {$48.00}, and {$1500.00}, and the total charges {$1600.00}.
This documentation is insufficient and lacks diagnosis detail, justification of charges, doctors full name, medications prescribed, and other pertinent information such a signed contract or note to determining the legitimacy of this debt. Additionally, since the response was sent presorted first-class mail U.S. postage paid DPCH and lacks a time and date stamp, I have no way of knowing on what date you mailed me this letter, since your cover letter is dated XXXX XX/XX/XXXX and the XXXX Statement of Account is dated XXXX XX/XX/XXXX, I conclude this response to my dispute was mailed to me on or after XXXX XX/XX/XXXX.
At no time prior to XXXX XX/XX/XXXX did I receive a single contact regarding billing for these alleged services, from the former creditor you list, XXXX XXXX XXXX XXXX, or any other party. The XXXX Statement of Account classifies the debt as past due and adds additional language, Your account is now seriously past due, and a delinquency review is being conducted. Were this a true and legitimate debt, why would the debt have taken approximately 365 days to go into collections, rather than the industry standard between 90 to 180 days on non-payment?
I reiterate my initial written dispute as to the validity of this debt in its entirety, which dispute I originally provided in writing on Wednesday, XXXX XX/XX/XXXX. I do not have any responsibility for the debt you are trying to collect.
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed.
I wrote you within thirty ( 30 ) days to inform you I dispute this debt in its entirety and request detailed documentation of alleged services provided. Since you already reported this debt to a credit bureau ( s ) on XXXX XX/XX/XXXX, before replying to my written dispute, you should also have reported to any credit bureau ( s ) at that time that the debt is disputed. You failed to do so.
Your failure to indicate the disputed nature of this debt when reporting to credit bureau ( s ) on or before XXXX XX/XX/XXXX, prior to responding to my written dispute of XXXX XX/XX/XXXX in a cover letter dated XXXX XX/XX/XXXX, with insufficient invoice documentation dated XXXX XX/XX/XXXX, no postmark provided, earliest possible mailing being presumed XXXX XX/XX/XXXX, could be perceived as an action taken in bad faith and for the purpose of harassment in direct violation of the Fair Debt Collections Practices Act, including 809 Validation of Debts 15 USC1692g.
Please note, your violation of my consumer rights has forced me to file a dispute of this debt with XXXX directly, since you failed to cease attempts to collect the debt and instead acted in bad faith and for the purpose of harassment and reported the debt while failing to advise the credit bureau ( s ) this debt is disputed. Your bad faith actions have already resulted in negative impact on my credit.
I pay medical debts for which I am responsible. I am not responsible for this debt. Furthermore, I still suspect this may be medical fraud, now worsened by your bad faith actions for the purpose of harassment made in direct violation of the Fair Debt Collections Practices Act, including 809 Validation of Debts 15 USC1692g.
I have filed an identity theft report with the Federal Trade Commission regarding this matter ( XXXX ) and am filing a formal complaint with Consumer Financial Protection Bureau. Thank you.
All the best, XXXX XXXX XXXX
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| 06/15/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Three of us moved into XXXX XXXX in XXXX of XXXX and were leased to move out XX/XX/XXXX. One roommate moved out a few days prior to the XXXX, and the remaining two were to move out on the XXXX. The two remaining roommates went on the XXXX, however, to find that their locks had already been changed. This actually constitutes an illegal eviction from a property as we still had more days left on our lease.
After getting into the apartment through the garage, the remaining two roommates moved out.
Approximately two months later, we received an outstanding balance of {$2300.00}, and were notified they were keeping our {$500.00} deposit that did no go towards that outstanding amount. Upon review of the balance form, a number of charges were incorrect and not something that should or could have been charged for. ( 1 ) charge for missing XXXX - two of the roommates PHYSICALLY DELIVERED this item to the resident office prior to move-out ; ( 2 ) shower/tub resurfacing - it had been stated on our move-in sheet that these were rusted and " gross '' ; and most notably ( 3 ) items left in the apartment - we left zero items in the apartment, which made one roommate contact XXXX to request more information. During this communication, it was discovered that XXXX had incorrectly charged this because they had illegally evicted us prior to our actual move out, so they took all of their evidential pictures and documentation PRIOR to all three roommates moving out. This means they did not walk the apartment after all three were moved out, so they had thought items that had not yet been LEGALLY MOVED were " left '' behind.
We then spent approximately six months going back and forth with XXXX regarding the outstanding charges, ultimately getting all three of the above-mentioned incorrect charges removed, bringing the total cost down to {$1100.00} ( balance change XX/XX/XXXX ).
Even with those charges removed, we still disputed the remaining balance because it was a total for replacing the entire, two-story condo carpet, alleging damage. We adamantly disputed this because we had gotten the carpet professionally cleaned prior to moving out ( but before XXXX illegally evicted us ) and had proof of cleaning ( photo and receipt statement XXXX, whereas XXXX provided no proof whatsoever that they needed replacing, and, more so, that the ENTIRE condo needed replacing.
We began receiving contact on XX/XX/XXXX from a debt collection agency of the outstanding balance and continued to receive numerous notices until XXXX of XXXX. We told XXXX about this and they told us to " not worry about it '' as they ( XXXX XXXX were in contact with us over a dispute in the amount and not to respond.
Our guarantor ( none of the three roommates received this ) received a notice from the debt collection agency on XX/XX/XXXX, stating we had 30 days to submit a written dispute of the amount owed. At this time, we had already lowered the price with XXXX and XXXX had indicated to us on XX/XX/XXXX that the debt collection agency had confirmed with them they had the lowered amount ; yet, our dispute notice stated the incorrect, original amount.
We sent in a detailed dispute on XX/XX/XXXX ( all items have been attached to this complaint ). We provided proof of all communications with XXXX, all incorrect statements made by XXXX, information on the illegal eviction, and proof of the carpets not requiring to be replaced. We wanted proof from them/TAVA that the carpets needed to be replaced or else we would not be paying any amount whatsoever.
After we sent in our dispute, we never heard back from XXXX nor the debt collection agency. By XX/XX/XXXX, we all assumed ( and very reasonably so ) that they could not verify the amount claimed by XXXX and could not provide sufficient proof to validate the amount, so we believed it to be resolved.
On XX/XX/XXXX, XXXX of the roommates received notification from the Bar Association she had a debt deficiency with the debt collection agency, thus affecting her application to sit for the bar exam in XXXX. She then contacted the debt collection agency by phone and a mess ensued from there.
She was told the following and in the following order : - stated the debt was in the amount of {$2100.00} ; - stated they agree to the amount of {$1100.00} ; - confirmation they did receive our dispute ; - stated they still needed to hear back from their client, XXXX ; - stated this dispute is shown as being resolved on XX/XX/XXXX ; - stated AGAIN that the amount is {$2100.00} ; - stated XXXX valided the amount was {$2000.00} on XX/XX/XXXX ; - stated they did not have pictures of the carpet after it was cleaned ( even though this was in the dispute and they had already confirmed they had it ) ; - stated XXXX verified the amount on XX/XX/XXXX, then reached out to the debt collection agency on XX/XX/XXXX asking why their amount was of {$1100.00} ( XXXX themselves had a ledger of this amount and had indicated they confirmed this with the debt collection agency back in XXXX XXXX ; - stated they can not find the pictures of the cleaned carpet, then indicated the pictures were " blank '' ( important to note that the pictures were in fact physically printed at a XXXX and physically sent in the mail, so they could not be blank ) ; *Pictures were then sent by us to them again* - stated they would " request '' documents from TAVA.
As is very clear by this conversation with the debt collection agency, they failed to keep accurate and consistent records of this matter ( as did XXXX XXXX, and not only that, but they failed to verify the dispute we had sent in back on XX/XX/XXXX, they failed to validate the CORRECT ( or any, for that matter ) amount in dispute with XXXX, and failed to send written notice of verification or proof of sufficiency in the claim to us, not only in a timely manner ( as generally considered to be within 30 days after receipt of the dispute letter ) but also AT ALL. By XX/XX/XXXX, we all very reasonably believed this was resolved and we owed nothing, yet they are now on this date demanding money, yet they are still unsure of how much they are even demanding, almost one year later.
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| 03/17/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am an identity theft victim. An identity thief used my personal information without my permission to open XXXX XXXX utility account XXXX XXXX XXXX - XXXX in XXXX, Texas ( please see Discount XXXX Invoice # XXXX on page 3 of the attached XXXX XXXX Police Department Identity Theft Police Report ).
Though I have requested it several times, both verbally and in writing, Transworld Systems , Inc. ( TSI, a debt collection agency XXXX has so far neglected to respond to me and to provide me with the records I requested of them relating to an identity-theft-related fraud that was committed in my name. This conduct by TSI is in violation of both the Fair Debt Collection Practices Act and my consumer 's rights under the Fair Credit Reporting Act. I request the CFPB to please contact Transworld Systems , Inc. on my behalf and have TSI perform the actions, and provide me with the records, I am entitled to by law and that I have so far requested of TSI numerous times, both verbally and in writing, to no avail.
Chronologically : On XX/XX/XXXX, Transworld Systems , Inc. called me at my home phone number to collect a {$390.00} bill from XXXX XXXX ( a Texas utility company ) alleging that I had incurred this debt while living in XXXX, TX in XX/XX/XXXX. I explained that I have never resided in Texas or even ever been to Texas. I asked, during that call, and on two additional subsequent calls I made to TSI, that TSI please provide me with a validation notice, so that I could use the information provided by it to file a proper police report about this identity-theft-related fraud, and to also be provided with a TSI address where to send my communications and documents required to prove my identity and the identity theft. The TSI representatives I spoke to assured me they would mail me the requested validation notice. However, they never did.
As stated at the Office of the Attorney General 's website ( https : //oag.ca.gov/consumers/general/debt-collectors ), the law pertinent to this aspect of debt collection is : " Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing. '' However, TSI, to this day, has never sent me a validation notice. It should be noted that TSI has placed this fraudulent debt as an overdue collection item on my credit reports at various credit reporting agencies, thus ruining my credit, but so far TSI has never sent me anything at all in written form, and this is not only unethical but also against the law.
As a result of this conduct by TSI, I have experienced a very great deal of anxiety ( this is my first time being a victim of identity theft ) and several sleepless nights.
On XX/XX/XXXX, I filed a Better Business Bureau complaint against TSI for withholding information needed to properly report this case of ID theft and fraud to law enforcement ( BBB Complaint ID XXXX ).
On XX/XX/XXXX, the XXXX XXXXnformed me that TSI had provided XXXX with a copy of the fraudulent bill and with a TSI address where to send my communications to, which were in turn provided to me by the XXXX analyst handling my complaint, so that I could finally file a proper identity theft police report. However, it is to be noted that TSI never responded to me directly or to my complaint at the BBB website, but has so far elected to communicate privately with the BBB analyst handling my complaint. To this day, I have not received a single word in writing that was addressed to me from TSI, despite my numerous requests.
On XX/XX/XXXX, XXXX XXXX, the defrauded Texas company, contacted me over the phone and informed me they are dismissing all charges against me, acknowledging this debt a result of identity-theft-related fraud.
On XX/XX/XXXX, I sent a certified-mail letter to TSI at the address TSI had provided to the XXXX analyst. According to XXXX tracking information, my letter was received by TSI on XX/XX/XXXX. However, I have so far not received a response to it. In that letter I stated once more that I am a victim of identity theft and provided TSI with copies of : my Federal Trade Commission Identity Theft Report # XXXX, my California driver 's license as proof of identity and the invoice pertinent to the fraudulent utility account. In that letter, I requested TSI, in accordance with the Fair Debt Collection Practices Act, to immediately stop all collection activities about this debt, including reports to credit reporting agencies, and to also inform the business where the account was opened that this debt is the result of identity theft.
In that letter, I also enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information and stated that this document explains TSI 's responsibilities under the Fair Credit Reporting Act ( FCRA ), and that the FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I requested TSI to please send me copies of all records relating to the fraudulent account, including : - Account applications made on paper, online, or by telephone - Account statements or invoices - Records of payment or charge slips - Delivery addresses associated with the account - Records of phone numbers used to activate or access the account - Signatures on applications and accounts - Investigators reports I also asked TSI to please send me a letter explaining what TSI has done to : - Inform the business where the account was opened that the debt is the result of identity theft - Stop collection activities against me - Stop reporting information about the debt to credit reporting agencies - If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft - Provide me with the records I request This letter, which is a standard letter that was provided to me by the Federal Trade Commission as a step to be taken in their Identity Theft Recovery plan, just like my other numerous attempts to communicate with TSI, was never responded to.
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| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On or about XX/XX/2021 I attempted to reach out to XXXX on my XXXX XXXX account to make payment arrangements. I was informed that the account was sent to inhouse collections represented by Transworld Transitioning System and that I had to discuss my account with them because they could no longer accept payments from me. I spoke with an agent from that agency and they could not answer my question on whether XXXX would agree to not report my account as in collections on my credit reports if I made a payment arrangement of a XXXX dollars a month. Transworld Transitioning System transferred me back to XXXX after they advised that they do not report to the credit agencies and only XXXX reported to the credit agencies.
The department in XXXX I was transferred to was closed for the business day and I was unable to ask them this question. On XX/XX/2021, I reached out to XXXX again to ask if they would consider not reporting my account as in collections if I made payment arrangements to pay off the debt. I was referred to Transworld Transitioning System who referred me back to XXXX and who referred me back to Transworld Transitioning where I spoke with a Ms. XXXX XXXX. Ms . XXXX informed me that no payment arrangement on the debt would stop garnishments or liens against me, even though there are no court orders for a garnishment. I asked her for justification on how they could garnish my income in writing and she refused to give that justification to me in writing and stated that the agency does not own the debt so they could not give that to me in writing. She also advised that the agency would not report to XXXX on any payment I made to the collection agency ( this greatly concerned me and I expressed this concern considering that I am attempting to obtain a mortgage loan and I would not be able to show that I am paying on the debt ).
Ms . XXXX and another agent from Transworld Transitioning that I spoke with after I called XXXX back to resolve the issue insisted that they had the right to garnish income because the debt was due in full and if I did not pay it in full, even with a payment arrangement - they would offset the debt and take any future income from me to pay towards that debt. They also refused to put any payment arrangement agreement into writing even though I am terrified that they will clean out my entire bank account if I give them my bank information because I have nothing in writing that says that they will only pull out a XXXX dollars a month.
The second agent still insisted on making a payment arrangement with me and when I refused she said she had to warn me about this refusal and that it would refer to the proof of debt - the only document in writing they would send me but promised to put any amount paid on the account on a receipt but nothing else would be put into writing on the debt. She also promised to report to XXXX and the credit agencies if I made a payment arrangement, even though the other agents refused to do as such ; but like the other agents, she refused to put this promise into a written agreement unless I first made a payment.
To make matters worse, she said that my account was no longer inhouse and that they were an outside collection agency even after denying they own the debt and could not report to the credit agencies on my behalf. I feel frightened, helpless, and trapped. I can not pay the debt in full but I can not afford for XXXX or for Transworld Transitioning System to take all of my money out of bank accounts or offset any income that comes in to my account. I am trying to get my finances straight and my debts settled but I feel my only resolution is bankruptcy because I will live in fear of the these agencies taking my money from me. I can not even set up a payment arrangement on the debt because they have told me that it would not stop the offset of the debt and I have no way of building credit to obtain additional resources to help pay off the debt later because they are not clear and refuse to put into writing if they will or will not report to XXXX and the credit reporting agencies that I am making timely payments on the debt.
This is my last and desperate step to settle this debt in a fair and legal manner without living in fear that any arrangement I make to pay on this debt will result in clearing out my bank account -- or the XXXX of any wages. They refuse to justify other than stating US codes and not any that would cover this issue and by stating page 303 on my loan agreement with XXXX of which I do not have a copy -- that they could garnish income from me. Can you please help me with this issue and let me know my rights? How is it they are able to take my money without even letting me know in writing how much they will take at a time until they collect the entire debt or considering that I have basic living bills that have to be paid so that I am not homeless or without food and utilities?
How is it they can refuse to report positive activity on a credit report when a payment arrangement is made to pay on the debt even as they report negative information on a credit report while each agency not being clear which one is reporting to the credit reporting agencies and what I can do for other than paying the bill in full of which I can not financially afford to pay in full? How is it they are able to take money from a payment arrangement and still garnish my income even while refusing to put into writing that they will only take a XXXX dollars a month from my bank account each month? They will not refuse a payment arrangement but they refuse to put into writing how much they will take a month and that if I give them my account information that they will not take more than the XXXX. This is because again, they insist they can take my money without a court order. As such, I would not be making a real payment arrangement. I would merely be providing them with my bank account information to do with my money in my accounts as they wish with no repercussions against them because I have nothing in writing to protect me. Please, please, help me on this issue. It is causing a great deal of XXXX and XXXX
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| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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I have been disputing this account for over a year and no success. I have requested for them to validate this information that they reported to my credit file. It's very detrimental which is holding me back from receiving any new credit. I seriously have no idea where this alleged debt came from and they have failed to inform me on such.
I asked for the proper information to help me in the process of trying to validate and verify such alleged debt and all they will send is a some thing with my name on it and some other information.
I want to know how does that validate anything? It doesn't!
Rules of FDCPA Debt Collectors-subpart B 1006.34 Notice for validation of debts states that for an alleged debt to be validated is as follows : Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.
Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ).
Show ( ii ) The consumers name and mailing address.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ).
Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ).
Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ).
Show ( v ) The name of the creditor to whom the debt currently is owed.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ).
Show ( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ).
Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ).
Show ( ix ) The current amount of the debt.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ix ).
Show ( 3 ) Information about consumer protections.
( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.
( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.
( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.
( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureaus website at www.cfpb.gov/debt-collection.
( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
I received none of that. Even after asking for over a year now.
This is my last step before pursuing litigation and proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure.
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| 04/30/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was a resident if XXXX XXXX XXXX since XXXX and unfortunately had to move out in XXXX of XXXX. Since then, I have been a model tenant with no issues or complaints and have always paid my rent in full and kept close contact with the office in regards to late payments or emergency issues medically that I encountered. I sent a notice over XXXX stating that due to COVID-19, I would unfortunately not be able to continue my residency within the apartment complex and I would be vacating the property by XX/XX/XXXX. Unfortunately my employment is not going to return full time and our positions have been eliminated. I received a very nasty phone call from a woman named XXXX in the main office whom informed me that she did not care about my notice to vacate and that I would be breaking my contract with XXXX XXXX and would have a balance. On the contrary, my letter stated that I am aware I would have a balance and would not have a problem making a payment arrangement, as I had spoken to someone about before, to resolve and unpaid balances. I did also state in this later that I would continue to pay on my account what I could until XX/XX/XXXX and that my security deposit could be used for any unpaid balances due to the COVID-19 pandemic and my lay off. Unfortunately, since my job is not returning, I have no option but to move out of the state and back to where I am from with family. She informed me that I did not have a choice and that I would keep accruing fees and that she would be filing for my eviction on XX/XX/XXXX and having a sheriff come to the door to remove me.As of my date of filing the vacation letter, XX/XX/XXXX, I was behind one months rent minus {$500.00}. I had a previous communication with XXXX, the interim office manager and she was aware and working with me with the balance. Again, I informed XXXX, the current office manager, I would pay what I could on the balance. She told me that she suggested I get out before XXXX is over to save me time, everyone the headache and money. She was not very helpful. I asked her to speak to her supervisor or someone from corporate and the name of her boss and she informed me that Id get no one, no one will speak to me and shes as high as I get to go.
I informed her that that is against the law during COVID due to Tenant Harbor Safe Act that was passed by the XXXX XXXX and this protects tenants from threats of this nature by landlords, as well as eviction proceedings and retaliation for inability to pay rent due to job loss and pandemic. Tenants can not be penalized or threatened with eviction if they experience financial hardship due to the COVID-19 pandemic. This act was actively in effect during this time period and the provisions were still in place. She informed me that she had no idea what I was talking about and this wasnt a thing and she needed proof to send up to corporate to have corporate review it. She told me that I did not have a choice and that if I was not out by XX/XX/XXXX there would be problems. I informed her again, that I wrote a later stating all my personal items and the property would be cleared by XX/XX/XXXX and she told me, I DO NOT, WE DO NOT ACCEPT YOUR LETTER OF VACATION. Its invalid. It doesnt matter. I did not want to continue to get into a screaming match with her so I informed her I would be contacting corporate and the sheriffs office in the local town. Upon contacting the sheriffs office, the sergeant informed me that there are an over abundance of eviction cases and if the office does file, I would be long gone before any law is lifted. The sheriffs office informed me that there are no active eviction proceedings and they are not aware as to when the boarding department in each city and county is going to be allowed to reopen filings for such proceedings. He informed me as well that not only do I live in and extremely drug infested community, but he does suggest that for the safety of myself and my child, that I document everything that I send. I let the office manager, XXXX, know that I would be sending a certified letter for return receipt and she informed me she would not be signing it and sending it back. I told her I tried to drop off a hard copy signed and notarized and she told me she wont accept it. Im considered a SKIP and that unemployment and loss of job due the pandemic is not an excuse to not be able to pay my rent. I have filed this with the better business bureau as well. Continously over the last two years. The office manager, XXXX, at XXXX XXXX XXXX, violated my rights as a tenant under the acts signed into law by the governor of XXXX. I asked to have my notice to vacate honored and a bit of understanding during this hard time without penalty, and my rights as a tenant under the act are being violated. She informed me that Id have a hefty balance to pay and that I should avoid it and leave today. She informed me that she would send police to my house until I left everyday after XX/XX/XXXX. She informed me that tenants have no rights during the pandemic that she is aware of and that she needs proof of that herself. XXXX XXXX properties was the previous owner of the property and sent my bill upon move out to Transworld Systems Inc suggesting I owed over {$7000.00} in fees and lease fees. I have attempted to call Transworld and get proof of debt for two years, and nothing has been sent to me. I did not sign any documentation assuming this debt is valid, nor did they take me to court for the debt. XXXX XXXX properties sold the complex to another property management company two weeks after I voluntarily moved out and the new property owners have no record of me ever being a resident. I have contacted and made SEVERAL attempts to settle this debt for less than owed and no communication has been sent to me from Transworld. XXXX has been attempted to XXXX XXXX Properties as well, and they continue to ignore attorney letters and requests for information and settlement from myself as well.
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| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I moved out of my rental as the XXXX at XXXX XXXX on XX/XX/XXXX for an out-of-state job transfer. The issue is two-pronged. First, we NEVER received a move-out statement. Multiple phone calls were made to the XXXX XXXX XXXX XXXX. We left multiple voicemails and our calls were never returned. We gave our forwarding address to property XXXX XXXX XXXX as requested ; as well as the XXXX. It is a violation of Colorado XXXX to fail to provide an accounting within the statutory 30 days. A copy of the law has been attached. Colorado law also states that failure to adhere to Colorado laws on security subjects them to punitive damages up to XXXX times the amount of the deposit. I never received ANYTHING until I received a phone call a few days ago at WORK from a debt collector XXXX ( Transworld systems ) saying I was being sent to collections. I asked for a verification of the debt, which I received on XX/XX/XXXX, and I have attached. I do not believe legitimate the verification is legitimate, as it just shows charges ; but no proof that any attempt was ever made by the XXXX XXXX XXXX XXXX to send me the charges. Again, I NEVER RECEIVED THEM. The verification provided by XXXX says that we owe XXXX dollars for cleaning charges ; however there has NEVER been a detailed account provided by the Links At XXXX XXXX of what each charge is is for, as REQUIRED by Colorado XXXX.
The second problem was brought to my attention upon receiving the verification of the debt. It lists the move out date as XX/XX/XXXX. Its showing that we should still owe {$400.00} in rent. This is a clerical error made by The Links at XXXX XXXX. The move-out date was XX/XX/XXXX NOT XX/XX/XXXX. The {$400.00} charge for gross scheduled rent is incorrect. We received the final amount due to The XXXX XXXX XXXX XXXX and it was paid on XX/XX/XXXX. We were billed correctly for the the 17 days of pro-rated rent and utilities ; for the amount of XXXX. This is in accordance with our move out date of XX/XX/XXXX. I have provided the final payment confirmation that was paid at XXXX XXXX for the amount of {$1000.00}.
I have also attached XXXX emails sent by my wife to the XXXX property managers confirming she left our keys as instructed on the move-out date of XX/XX/XXXX XXXX Colorado Code XXXX XXXX - Property - Real and Personal Article XXXX - Tenants and Landlords Part XXXX - Security Deposits- Wrongful Withholding XXXX. Return of Security Deposit Universal Citation : CO Code XXXX ( XXXX ) A landlord shall, within XXXX month after the termination of a lease or surrender and acceptance of the premises, whichever occurs last, return to the tenant the full security deposit deposited with the landlord by the tenant, unless the lease agreement specifies a longer period of time, but not to exceed XXXX days. No security deposit shall be retained to cover normal wear and tear. In the event that actual cause exists for retaining any portion of the security deposit, the landlord shall provide the tenant with a written statement listing the exact reasons for the retention of any portion of the security deposit. When the statement is delivered, it shall be accompanied by payment of the difference between any sum deposited and the amount retained. The landlord is deemed to have complied with this section by mailing said statement and any payment required to the last known address of the tenant. Nothing in this section shall preclude the landlord from retaining the security deposit for nonpayment of rent, abandonment of the premises, or nonpayment of utility charges, repair work, or cleaning contracted for by the tenant.
The failure of a landlord to provide a written statement within the required time specified in subsection ( XXXX ) of this section shall work a forfeiture of all his rights to withhold any portion of the security deposit under this section.
The willful retention of a security deposit in violation of this section shall render a landlord liable for treble the amount of that portion of the security deposit wrongfully withheld from the tenant, together with reasonable attorney fees and court costs ; except that the tenant has the obligation to give notice to the landlord of his intention to file legal proceedings a minimum of XXXX days prior to filing said action.
In any court action brought by a tenant under this section, the landlord shall bear the burden of proving that his withholding of the security deposit or any portion of it was not wrongful.
Upon cessation of his interest in the dwelling unit, whether by sale, assignment, death, appointment of a receiver, or otherwise, the person in possession of the security deposit, including but not limited to the landlord, his agent, or his executor, shall, within a reasonable time : Transfer the funds, or any remainder after lawful deductions under subsection ( XXXX ) of this section, to the landlord 's successor in interest and notify the tenant by mail of such transfer and of the transferee 's name and address ; or XXXX the funds, or any remainder after lawful deductions under subsection ( XXXX ) of this section, to the tenant.
Upon compliance with subsection ( XXXX ) of this section, the person in possession of the security deposit shall be relieved of further liability.
Upon receipt of transferred funds under subsection ( XXXX ) ( a ) of this section, the transferee, in relation to such funds, shall be deemed to have all of the rights and obligations of a landlord holding the funds as a security deposit.
Any provision, whether oral or written, in or pertaining to a rental agreement whereby any provision of this section for the benefit of a tenant or members of his household is waived shall be deemed to be against public policy and shall be void.
Source : XXXX XXXX : p. XXXX, XXXX. XXXX. XXXX : XXXX. XXXX XXXX : ( XXXX ) amended, p. XXXX, XXXX, effective XX/XX/XXXX.
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| 11/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TSIXXXX ( Original Creditor : XXXX XXXX XXXX ) & {$850.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 01/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. TRANSWORLD SYS INC/51 bal. {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TRANSWORLD SYSTEM INC/ bal. {$58.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 11/24/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TRANSWORLD SYSTEM INC/ & {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX Iowa XXXX
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| 11/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TSI/940 bal. {$150.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/24/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .TSI & {$2800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 03/19/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal from All XXXX Credit Bureaus XXXX, XXXX and XXXX : Transworld Systems for a debt you claim I owe of {$720.00} and an old account that is closed but is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : XXXX. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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| 08/01/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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I am having an issue with XXXX ( XXXX XXXX XXXX ) over the handling of my Federal Perkins Loans. I have two loan amounts totaling {$5500.00} and another for {$4000.00}. In late XX/XX/XXXX I received notice from XXXX that the loan amount for {$5500.00} would start accruing interest and the first payment would need to be {$170.00} in XX/XX/XXXX. The loan payments would only be done quarterly. I started paying the loan in XX/XX/XXXX with no issue.
A notice was sent to my family member at a former address of mine including information about the {$4000.00} loan in early XX/XX/XXXX and included information that the loan would start accruing interest in XX/XX/XXXX with a first payment date in XX/XX/XXXX for an amount of {$120.00}.
XXXX claims that before any billing cycle, customers should expect to receive a statement in the mail or electronic correspondence 20 days prior to the billing date. I only received statements electronically regarding my XX/XX/XXXX payment for {$170.00} for my {$5500.00} loan.
In XX/XX/XXXX, XXXX began sending me emails saying they would soon be moving their information and billing processes to a new website in XX/XX/XXXX. I received no other information from XXXX regarding the payment status of my {$4000.00} loan and continued to only make auto payments on the {$5500.00} which was due on XX/XX/XXXX.
In mid XX/XX/XXXX, I received a statement from XXXX in the mail saying that I hadn't paid an amount of {$120.00} from the {$4000.00} loan that was supposed to be due on XX/XX/XXXX. I immediately went onto the XXXX website and noticed I had a balance due on the {$4000.00} loan for XX/XX/XXXX, but I wasn't sent prior notice before the bill date that the amount was due. I paid the amount of {$120.00}, payment was processed on the old XXXX website on XX/XX/XXXX and the payment came out of my bank account on XX/XX/XXXX officially. From XX/XX/XXXX XXXX was migrating their information for their old website to their new website.
During the week of XX/XX/XXXX I began receiving credit alert updates that I had a delinquent account on my student loans and my credit score dropped nearly 50 points. I filed a formal complain with XXXX XXXX on XX/XX/XXXX after noticing that XXXX claimed I hadn't paid an amount of {$130.00} for the month of XX/XX/XXXX and the account was still past due. The only amount XXXX had informed me to pay was {$120.00} from the statement they sent me after XX/XX/XXXX. I called XXXX for the first time on XX/XX/XXXX to get information on the issue, on their website at the time my {$4000.00} loan claimed I owed over {$250.00} in payments for the month of XX/XX/XXXX and XX/XX/XXXX. I spoke to a representative and they told me they were still experiencing issues with their website and to call back later in the week to confirm any inaccuracies on the website regarding payment status would be corrected.
XXXX new website doesn't include any prior statements or documents for my account over the past 8 months. There is no way of looking into old statements, even the ones that were sent to me prior to XX/XX/XXXX regarding my {$5500.00} loan.
I called XXXX on XX/XX/XXXX since the website said I owed a balance of {$130.00} for the month of XX/XX/XXXX with a past due amount from XX/XX/XXXX of {$8.00}. I still hadn't received any word on why my credit report was still being impacted with an inaccurate amount that I owed ( {$130.00} ) and I was given any information on where the {$8.00} amount from XX/XX/XXXX had came from. The representative I spoke with said the only way to rectify the balance and clean my credit report was to file for forbearance on the amount of {$8.00}.
I called XXXX again on XX/XX/XXXX to see if I could speak with a supervisor regarding the inaccuracy on their website saying I still owed a past amount due. Another representative told me about the forbearance option and said they would forward me to a supervisor. No one responded to request however, and I still haven't received an update from XXXX.
The loan amount for the {$4000.00} loan was {$120.00} and XXXX is no saying I still owe {$8.00} to them but this money comes from a XX/XX/XXXX balance. On XXXX website the payment breakdown of my XX/XX/XXXX payment shows an {$8.00} fee which added together with the principal and interest equals an amount of {$120.00}. This other {$8.00} fee that is now added onto my payment amount for XX/XX/XXXX doesn't have any correspondence or notice to claim where it coming from. My credit report claims that this {$4000.00} monthly payment is supposed to be {$130.00} and that isn't what XXXX has even sent me a statement for. XXXX is impacting my credit report by claiming a delinquent account for an amount that isn't accurate for what they asked to paid monthly on the {$4000.00} loan.
XXXX website also doesn't include any prior information regarding my loans ( statements, documents, etc ) which makes it impossible to find a paper trail for their claims that I still have an outstanding balance on a loan from XX/XX/XXXX. This is inaccurate since this loan didn't start taking payments till XX/XX/XXXX, and even then XXXX didn't communicate with me through email correspondence or through the mail that the {$4000.00} loan would be taking payment 20 days prior to the due date. My credit report also shows no delinquency for the month of XX/XX/XXXX on the {$4000.00} loan for any amount, so I am confused to why I would suddenly have an outstanding balance of {$8.00} from XX/XX/XXXX.
XXXX has been unresponsive and unwilling to send me any documents, statements, or other correspondence over the alleged {$8.00} past due balance from XX/XX/XXXX on the {$4000.00}.
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| 02/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American, Servicemember |
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1 RECEIVED SUSPICIOUS CELL PHONE CALL. CALLER MENTIONED PAST DUE DEBT WITH XXXX CREDIT CARD AND WANTED FURTHER INFORMATION KNEW MY NAME ( BUT REFUSED TO IDENTIFY THEMSELVES ) BUT SINCE I DID NOT HAVE ANY CHASE CREDIT CARD OR ACCOUNT AND HAD NEVER RECEIVED ANY BILLS, NOTICES OR ANY TYPE CORRESPONDENCE FROM XXXX CREDIT CARDS FIGURED IT WAS A SUSPICIOUS PHISING CELL PHONE CALL & DID NOT PROVIDE ANY INFORMATION AND HUNG UP!
( VERY VERY SUSPICIOUS )??
2. RECEIVED CALL FROM ATT ASKING IF I HAD SUBMITTED A REQUEST TO TO " CHANGE MY E-MAIL ADDRESS ''??? ADVISED ATT I HAD NEVER REQUESTED TO CHANGE MY E-MAIL ADDRESS AND TO PLEASE LEAVE IT THE SAME AS IT'S ALWAYS BEEN. ( AGAIN VERY SUSPICIOUS )???
3. RECEIVED CALL FROM OUR BANK ( XXXX XXXX ) THAT XXXX XXXX XXXX HAD TAKEN ADVERSE ACTION AGAINST ME AND PLACE A NEGATIVE STATETMENT ON MY CREDIT REPORT STATING I HAD AN UNPAID CREDIT CARD CHARGE NOT PAID??? I HAVE NEVER EVER EVER HAD A CHASE CREDIT CARD, NEVER EVER EVER MADE ANY PURCHASES NOR RECEIVED ANY BILLS, NOTICES, OR ANY TYPE CORRESPONDENCE FROM XXXX CREDIT CARDS AND THOUGHT BY LAW A CREDITOR MUST NOTIFY A CONSUMER OF ANY TYPE ADVERSE ACTION. XXXX CREDIT CARD NEVER NOTIFIED ME OF THIS ADVERSE ACTION ONLY OUR BANK WAS KIND ENOUGH TO CALL AND REPORT THIS ... IF NOT FOR OUR BANK I WAS NOT EVEN AWARE THIS ADVERSE ACTION HAD BEEN TAKEN.
. I THOUGHT THIS WAS " HIGHLY UNETHICAL BUSINESS PRACTICE TO PLACE NEGATIVE INFORMATION ON MY CREDIT REPORT WITHOUT EVER BEING TOLD AND NEVER RECEIVING ANY TYPE BILLS OR NOTICES OR CORRESPONCE ... HIGHLY UNETHICAL!!
4. UPON LEARNING OF THE ADVERSE FRADULENT CREDIT CARD INFORMATION ON MY CREDIT REPORT IMMEDIATELY CONTACTED XXXX XXXX XXXX ( BY PHONE ) AND SPOKE WITH THEIR FRADULENT CREDIT CARD OFFICE AND THEY STATED THEY WOULD INVESTIGATE THIS AND CONTACT ME. ( I'VE NEVER EVER RECEIVED ANY CORRESPONDENCE FOLLOWING MY CALL TO XXXX CREDIT CARD FRAUD DEPT )????
( AGAIN HIGHLY UNETHCAL BUSINESS PRACTICE???
5. FOLLOWING MY PHONE CALL TO XXXX CREDIT CARD FRAUD DEPT SENT " US MAIL CERTIFIED LETTER TRACKING # XXXX XXXX XXXX XXXX ON XX/XX/XXXX TO XXXX CREDIT CARD PROVIDING A DETAILED SUMMARY OF WHAT HAD HAPPENED AND EXPLAINED THAT I NEVER HAD A XXXX CREDIT CARD, NEVER RECEIVED ANY BILLS, NEVER RECEIVED ANY TYPE NOTICE OR CORRESPONDENCE AND WAS VERY UPSET THAT XXXX CREDIT CARD HAD TAKEN ADVERSE ACTION AGAINST ME TO PLACE A FRADULENT CREDIT CARD CHARGE ON MY CREDIT REPORT WITHOUT MY KNNOWLEDGE AND THAT I WANTED THIS ADVERSE INFORMATION REMOVED AND DISPUTED ANY CHARGES.
6. PLACED FRAUD ALERT ON MY CREDIT REPROT AND FROZE MY CREDIT REPORT TO PREVENT ANY FURTHER FRADULENT CHARGES ON MY CREDIT REPORT.
7. THE US POSTAL SERVICE VERIFIED THAT MY CERTIFIED LETTER MAILED ON XX/XX/XXXX HAD NOT BEEN DELIVERED TO XXXX CREDIT CARDS UNTIL XX/XX/XXXX DELAYED DUE TO THE PANDEMIC AND LIMITED POSTAL SERVICE DELIVERY. ( SO XXXX COULD NOT RESPOND BECAUSE THEY HAD NOT RECEIVED MY CERTIFIED DISPUTE LETTER AND THE POSTAL SERVICE HAD TAKEN AN UNBELIEVEABLE 2 MONTHS TO DELIVER IT TO XXXX CREDIT CARDS.
8. FILED COMPLAINT WITH THE MISSOURI ATTORNEY GENERALS CONSUMER PROTECTION DIVISION CASE # XXXX FOR FRAUD INVESTIGATION ASSISTANCE.
9. FILED XXXX XXXX POLICE REPORT FOR IDENTIFY THEFT AND FRAUD ( XXXX XXXX POLICE STATED IT SMELLED A LOT LIKE IDENTITY THEFT ) 10.RECEIVED DEBT COLLECTOR STATEMENT FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX EMAIL MYACCOUNT.NCIRM.COM ATTTEMPTING TO COLLECT THE FRAUDELENT XXXX CREDIT CARD DEBT AND GIVING ME 30 DAYS TO RESPOND.
11. HAVE RESPONDED TO NATIONWIDE CREDIT , INC VIA E-MAIL AND ADVISED THIS DEBT COLLECTOR THAT I NEVER HAD ANY XXXX CREDIT CARD, NEVER MADE ANY PURCHSE, NOR BEEN BILLED BY THEIR BILLING DEPT OR SENT ANY TYPE CORRESPONDENCE WHICH I THOUGHT WAS HIGHLY UNETHICAL. PROVIDED A COPY OF MY CERTIFIED LETTER ( WITH ALL THE FACTS IN THIS MATTER ) AND EXPLAINED IM XXXX YEARS OLD, RETIRED CAREER MILITARY AND XXXX VETERAN AND THAT BY LAW A CONSUMER IS ONLY REPONSIBLE TO PAY {$50.00} FOR A FRAUDULENT CREDIT CARD CHARGE AND THAT I WOULD DO THIS ONLY IF THE UN-ETHICAL XXXX CREDIT CARD COMPANY REMOVED THEIR ADVERSE ACTION FROM MY CREDIT REPORT. OTHERWISE I'VE HAD ENOUGH, PHONE CALLS, CERTIFIED LETTERS AND E-MAILS NOW TO A DEBT COLLECTOR COMPANY ATTTEMPTING TO COLLECT A FRADULENT CREDIT CARD CHARGE ON BEHALF OF A HIGHLY UNETHICAL CREDITOR. I ADVISED NATIONWIDE CREDIT IF THEY WANTED TO CONTINUE COLLECTION ACTIONS AGAINST ME ON BEHALF OF AN UNETHICAL COMPANY THAT I DIDN'T WANT TO RECEIVE ANY FURTHER NOTICES FROM THIS DEBT COLLECTOR COMPANY AND THAT IF THEY WANT TO CONTINUE PURSUING THIS TO COLLECT A FRADULENT CHARGE TO SEND THEIR COLLECTION MAIL TO THE MISSOURI STATE ATTORNEY GENERALS OFFICE CLAIM # XXXX AND TO XXXX XXXX XXXX POLICE DEPT IDENTITY THEFT AND FRAUD DIVISION TO ASSIST THEM WITH THE ONGOING INVESTIATION OF THIS MATTER, HOWEVER THEY WERE WELCOME TO CONTACT ME IF BY LAW I PAID {$50.00} FOR THE FRADULENT CC CHARGES CLAIMED BY AN UNETHICAL CREDIT CARD COMPANY ONLY ONLY IF THE UNETHICAL XXXX CREDIT CARD COMPANY REMOVED THEIR UNJUSTIFIED ADVERSE ACTION FROM CREDIT REPORT AND UNLESS THIS WAS DONE BY THE UNETHICAL CHASE CREDIT CARD COMPANY THAT I'D HAD ENOUGH AND AT MY AGE DIDNT NEED ANYMORE MADE ENOUGH CALLS, CERTIFIED LETTERS, COMPLAINT FORMS AND THAT I'D GO TO MY GRAVE AND NO MATTER HOW HIGH AND DEEP THE WATER GETS, I WILL ADAMANTLY REFUSE TO PAY AN UNETHICAL CREDIT CARD COMPANY FOR " FRADULENT CREDIT CARD CHARGES '' CHIEF XXXX XXXX ( USN MILITARY RETIRED ) XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX EMAIL : XXXX.
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| 07/19/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I walked into a XXXX XXXX store on Friday evening, XX/XX/2023, after dark, carrying a fairly large box containing a computer that I needed to be shipped out overnight. I asked the clerk if they could ship the box to upstate New York for a next-day, Saturday morning delivery. The clerk said YES, they would. They measured the box, entered the details into their system, and told me the cost would be {$740.00}. I handed the clerk my credit card, and the clerk charged my card and handed me the receipt. I immediately looked at the receipt ; the box was still on the counter where I had placed it. The bottom of the receipt had the following text printed on it : Expected Delivery Date : Tuesday, XX/XX/2023. I said to the clerk, Excuse me. I asked for overnight Saturday morning delivery. Why does the receipt state that the delivery will be on Tuesday? I was stunned by the clerks response. He said these words : Oh, well, there is no way we could deliver this package for Saturday delivery because the truck has already come before you got here, and there are no more pick-ups this evening. I shook my head and simply said, if you can not deliver this package by tomorrow morning then I want to be refunded, and I will take my package somewhere else. The clerk immediately refunded my credit card payment and handed me the receipt. I still have the refund receipt. I took the package to the XXXX store down the street, and they shipped my package overnight, and it arrived as expected the next morning. XXXX charged me {$160.00}, and I have the XXXX receipt. I checked my credit card statement a few days later, and there was no charge from XXXX XXXX. The payment was voided on XX/XX/2023, and never settled.
On XX/XX/2023, I noticed that a charge had appeared on my credit card statement from XXXX XXXX in the amount of {$740.00}, dated XX/XX/2023 and the reference number was the same as my canceled transaction from XX/XX/2023. I have the reference number need it. If you enter this XXXX XXXX tracking number into the XXXX XXXX website, you will see the following details : FROM XXXX, IL US Label Created XX/XX/2023 XXXX XXXX PACKAGE RECEIVED BY XXXX XXXX, IL XX/XX/2023 XXXX XXXX IN TRANSIT Shipment cancelled by sender XXXX, IL XX/XX/2023 XXXX XXXX OUT FOR DELIVERY TO XXXX, NY US Scheduled Delivery Date Cancelled SCHEDULED DELIVERY DATE Your shipment was cancelled by the sender. A delivery date will no longer be provided.
DELIVERY STATUS Cancelled XXXX notified to void this shipment.
XXXX XXXX did not ship anything. There was no delivery. The charge was correctly voided. The clerk did not mention any cancelation fee nor did he tell me that I would be penalized for taking my package out of the store after asking for a service they could not provide. The clerk misled me, and he was visibly embarrassed.
I have proof that XXXX shipped the package that same day. I have my XXXX receipt, and I also have a confirmation e-mail from XXXX which states : Your shipping information Who sent it : ( My Name ) -- ( Senders street address omitted intentionally from this email ) XXXX, IL XXXX Who will receive it : ( My Customer 's Name ) -- ( Recipients address omitted intentionally from this email ) Shipped from XXXX XXXX XXXX XXXX XXXX XXXXXXXX details XXXX Next Day Air Tracking details Tracking No. : Omitted Shipment ID : Omitted Expected delivery date Saturday, XX/XX/2023 XXXX XXXX If you enter the XXXX tracking number into the XXXX website, you will see the following : Your shipment Delivered On Saturday, XX/XX/XXXX at XXXX XXXX at Front Desk Delivered To ( My Customer ) Received By : Omitted There was no justification for XXXX XXXX to charge me {$740.00}, and I demanded that this charge be refunded. XXXX XXXX is essentially stole my money by charging my credit card two weeks after I took my package with me out of their store ( after getting a refund ).
Six months later, in mid XX/XX/2023, I complained to the XXXX store manager ( again ) because I had received a letter from XXXX threatening me with a collection action if I did not pay them the amount that I OWED THEM!!! Can you believe this? They actually threatened me with collection action. I told the Store Manager that he needed to contact XXXX customer support because I they refused to help me when I contacted them months ago. The store manager succeeded - finally - in getting someone from their corporate office to contact me about this matter.
The did finally refund the {$740.00} that they stole from me. I also asked them to make sure that no further credit agency action would occur and I was assured that there would not be any credit collection action against me.
But - today - XX/XX/XXXX, I received a letter from Transworld Systems Inc - a credit collection agency - demanding that I pay them {$840.00} which they claim that I owe to XXXX XXXX XXXX XXXX.
This is UNBELIEVABLE! I can not believe that I continue to be harassed about the worst customer service that any XXXX customer has ever experienced. I am being accused of owing money to XXXX when they stole money from ME and held on to it for XXXX months. Now they continue to demand that I pay them for NOTHING. They provided NO SERVICE to me whatsoever.
I refuse to pay this money. I demand that all debt collection actions be stopped and I would like written apology from XXXX.
If they continue to harass me, I will take all legal action possible. If my credit score is affected by this ridiculous activity, I will take all legal action possible.
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| 12/08/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Since I reached a settlement on my private student loans with XXXX XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX I have made an initial payment to XXXX XXXX XXXX XXXX and, I have made regularly scheduled montly payments as well through XXXX XXXX 'XXXX website ever since. XXXX XXXX is now XXXX XXXX XXXX. XXXX XX/XX/XXXX as I was trying to make another regularly scheduled online payment I received an error message for only one of my file numbers ( XXXX at {$74.00} a month payment ) that I pay my student loans on. The website said, " Invalid file number, last name, and or zip code. Please enter valid information or call our office for instructions ''.
XX/XX/XXXX I called XXXX XXXX XXXX XXXX and they said XXXX XXXX XXXX their client pulled the loan back on file number XXXX. I asked for contact information and documentation. They told me to please contact XXXX XXXX XXXX at ( XXXX ) XXXX. I called XXXX XXXX XXXX at the phone number provided, but it rang and rang before going to voicemail. I left many voice mails between XX/XX/XXXX and XX/XX/XXXX, but I did not receive a response.
XX/XX/XXXX I called XXXX XXXX XXXX XXXX around XXXX XXXX Arizona time and I spoke to XXXX XXXX. XXXX XXXX gave me another number to contact which was XXXX and transferred me to a voicemail for an attorney named XXXX XXXX after I asked for documentation. I was told she would get back to me quickly. XXXX XXXX 's phone number is XXXX ( XXXX ) XXXX extension XXXX. I left a voicemail but did not hear back quickly.
XX/XX/XXXX I called XXXX and was greeted by XXXX XXXX at Transworld Systems Incorporated. XXXX was very nice and was confused as to why XXXX XXXX XXXX said they were no longer collecting payment. XXXX gave me another number for XXXX XXXX XXXX at XXXX. XXXX said he spoke to his boss who was calling XXXX XXXX XXXX to try figure out why XXXX was no longer collecting payment on file # XXXX and that XXXX would get back to me quickly. 4 hours later no phone call as promised from XXXX at Transworld Systems Incorporated.
My complaint is I feel trapped that these intertwined companies are trying to trick me into breaching my settlement so that I will forced to pay the full amount on my agreement, instead of the negotiated agreement, by passing the buck/responsibility, and playing a game of guess where the loan is so I ca n't make a timely payment.
I have not received documentation that file number XXXX has been transferred back to client XXXX XXXX XXXX in connection to XXXX XXXX XXXX. Despite receiving numerous phone numbers for XXXX XXXX XXXX from XXXX and Transworld Systems. I have yet to have anyone from XXXX XXXX XXXX contact me by phone, email, letter, or text and I have yet to get a phone number that works in terms of reaching someone at XXXX XXXX XXXX.
Transworld Systems Incorporated claims they do n't know what is going on even though they are on the checks cashed by XXXX, they were able to look up my file, and while XXXX XXXX was helpful in terms of giving me phone numbers I did not receive a phone call back as promised from Transworld Systems Incorporated.
XXXX XXXX XXXX while answering my phone calls has not provided proof my loan has been pulled back by their client XXXX XXXX XXXX whom they were collecting payments on Student Loans for from me. All contact numbers they gave me besides Transworld Systems Incorporated did not work for XXXX XXXX XXXX.
Please help me get some clarity on what in the world is going on with my student loan for file number XXXX. I will attach the original agreement including the other file numbers for loans I am paying on time per a monthly basis. Along with proof of payments and the error message that showed up I took a screen shot of today on XX/XX/XXXX. This was the same error message that popped up on XXXX 's website on XX/XX/XXXX.
I believe these private student loan companies are using Federal Student Loan Protections for them while not adhering to Federal Student Loan guidelines for protecting borrowers. I was harassed into signing a settlement that took months to agree upon and put my life on hold despite the loans surpassing the statue of limitations in Arizona where I was born and have always lived. Lucky for these Private Student Loan Trusts, Companies, and Collection Agencies they can base statue of limitations on whatever state they decide such as Ohio. A state I have never lived in. These Private Student Loan enterprises blur the lines of community property states to scare us by threatening to come after spouses who had nothing to do with the loan and were not around when the loan was taking out, file false claims in court, try to get XXXX XXXX, and only when you challenge them you are told by your lawyer that the law protects them not you so you have to settle. Just for the grand prize of only you are charged for less exorbitant fees and conditions. However, the XXXX XXXX XXXX XXXX and Trusts try trick you and not hold up to their own agreement by shuffling who owns the loan in shell companies and trusts they create. This allows them to add fees and rack up the loan costs exponentially. None of this is fair lending at all and is outright deceptive debt collection practices.
Help me please!!!!!!
XXXX XXXX in XXXX, Arizona ( XXXX ) XXXX
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| 09/20/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX i called XXXX and asked about the system that was in my new house on XXXX XXXX since it was different than the house on XXXX XXXX that I had just moved from. Lady on phone said she could activate it. I said no, i wanted someone to come out and show me what it is and how it works so i can see if i want it. XXXX, a salesperson, came out and just tried to sell me on everything. I wanted the same system at XXXX and have the service moved. He scheduled a tech to come out.
XX/XX/XXXX a tech came out at the beginning of my XXXX to noon window. He had a doorbell camera, some sort of XXXX thing like XXXX, and tried to hook it all up. I was home, but working. After 7 hours, i told the tech i had to leave. He said nothing worked and he couldnt get any of it activated. I told him i didnt want the camera doorbell and the XXXX thing anyway, and i never asked for it. I said i had to leave, dont worry about nothing being activated, as we changed our mind and didnt want the service moved from our other house anyway. On XX/XX/XXXX, when XXXX asked how it went, i told him the tech couldnt get it activated, so i sent him home, and we didnt want the service, please don't have anyone else come out and activate it. I thought this whole thing was over, as IT WAS NEVER ACTIVATED.
Late in XXXX, 2 months later, i got a bill for XXXX. I called in on XX/XX/XXXX. I got transferred 3 times, each time, i had to start at the beginning. I finally got XXXX in account management. She was very helpful and nice. She explained the three day cancelation policy. I explained that i didnt know i had to cancel, as i didnt know the service was ever hooked up. She said i signed a contract. Well, XXXX emailed me something from my kitchen and told me to sign it. I couldnt access it and read, but it was a docusign document. He told me it was to have the tech come out, so i signed it. I didnt know it was a new contract. I didnt know i needed a new contract as i had been a client for 10+ years. So, when i texted XXXX and told him not to hook up the service, i didnt know i had to send a letter in canceling the service ( i didnt learn that until the third call with XXXX on XX/XX/XXXX from XXXX ) XXXX I thought NOT HOOKING UP meant i didnt have service.
XXXX, after XXXX hours and XXXX minutes talking to XXXX people, finally contacted XXXX, read the text exchange and told me i did everything right and i didnt owe anything. She even gave me a confirm number telling me that if i ever did get another bill, to call back and give them the conf # ( XXXX ) and that would clear everything up.
I got a bill mid XXXX for {$1200.00}. Why the difference? I dont know. I called back on XX/XX/XXXX at @ XXXX pm and was on the phone until XXXX, mostly on hold. XXXX answered. I explained the entire thing to her. However, when i read the account number from the XXXX $ invoice, she said it was for XXXX XXXX, which is the house i had just MOVED FROM. I corrected her. I told her the whole story. She asked for the conf #, i gave it to her. She then said she saw all of XXXX notes and it matched what i said. She asked if she could put me on a XXXX minute hold while she got me transferred to account management. I explained that every time XXXX put my on hold in XXXX, i got hung up on and had to keep calling back. She said she would check in on me. I said ok, and in XXXX min she did just that and said it was still a XXXX minute hold time. Then, she put me back on hold and didnt check in on me anymore. At XXXX ( XXXX minutes later, not XXXX ) XXXX picked up. I had to start all the way over. XXXX said shed make sure whoever picked up would have access to the notes and would know what I was calling for. He did not. I had to start all the way over. When i tried to give him the conf # he said it wouldnt help as we have all new systems since XXXX. However, XXXX seemed to be able to use. XXXX went over all the details with me and told me that XXXX had typed in all the notes, but she had only requested that my bill be wiped out, she never actually completed it. I now believe Im being given the run around and that XXXX policy is to wear out the client so that I just pay to be done with them. He said hed have to put me on a brief hold to get a manager on the line. XXXX minutes later XXXX was back and start challenge me. Did XXXX tell you he canceled the account for you, cause he cant. You have to send in a letter. Well, i didnt know i had an account to cancel. I told him to NOT ACTIVATE it. I said, look, XXXX and i went over all of this. She assured me i owed nothing. Ive been a client for 10 years, i dont want the service and Im not paying. I He said hed email a manager and theyd call me back inside of 48 hours. Well, this was a Saturday, so I asked, they'll call back before end of sunday, or are you meaning 48 business hours. XXXX said business hours, and confirmed someone would call me back on XXXX or Tue the following week. No one did. And then, shortly after, i received a letter from a collection agency. And now, my stellar credit is negatively impacted by an incompetent and dishonest company. I never was sent a late notice, i was never sent any notice that I was going to be sent to a collection agency. I was waiting on a follow up call from a manager that I'd been promised.
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| 08/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Back in XX/XX/XXXX, I lost my employment with the federal government due to XXXX XXXX from service connected injuries that rendered me unfit for my employment. In XX/XX/XXXX, I was falling behind on payments and was unable to pay my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and my debt that was starting to become due was sent to Transworld Systems Incorporated for the debt collection, for the XXXX XXXX. Upon initial contact, I was informed of my balance that was owed to XXXX was XXXX $ and that was at the time of closing the entire account and all interest was to be stopped due to my hardship paperwork that had been submitted. I was informed that the balance due on the account was XXXX $ and that I owed that balance to the debt collection agency because they were sent my account to collect the debt and that they were billing me 36 % of the owed balance on top of the balance owed for their services and I immediately refused and contacted the XXXX XXXX and tried to contact the XXXX XXXX XXXX and find out who I needed to speak to to obtain any and all information I could for this, because I was still getting two statements from both the XXXX and from Transworld Systems Inc and I told them several times that they are inaccurate on the balance owed. I also filed a dispute with the credit bureau and also tried to find alternative means to dispute the debt with XXXX XXXX XXXX and with Accredited Debt solutions and also with XXXX XXXX and all have not been able to help me fight this ridiculous concept of Transworld Systems Inc continuously billing me monthly on the interest on the account when the account has been closed. Since the originating dispute of the debt, back in XXXX, they have still continued to send me billing statements with the increased amount and accrued interest on the account when XXXX has told me time and time again that the amount is what they have and its completely different from the amount that Transworld systems Inc is reporting to me monthly. In addition to all this, my hardship that they were sent was never filed and they told me that they lost it. In addition to that, they told me that they denied my hardship when I clearly was in a hardship when I submitted my income showing that I was on Government SNAP and I was on unemployment and XXXX and that I was unable to work, all before COViD came in XXXX when I was still unable to make payments and I still have refused to make any payments and that was until I was able to speak to a lawyer or representation before they could go to garnishing my wages or any income that I was to receive from the government. Only within the last year, I was supposed to receive a payment from the Depart of Commerce, l totaling XXXX $ did I get a notification that this payment was diverted and paid to Transworld Systems Inc without my knowledge nor authorization from the Dept of Commerce, they sent the money to Transworld systems under the Treasury Offset Program that was told to be the debt collection agency for the debt. Due to the fact that it had been over 2 years and they had not collected the debt, the TOP program attempted to take back the debt from Transworld Systems and they refused to relinquish the account to the TOP program and withheld all information from them and is still trying to service the debt, but with the use of the TOP program garnishment of wages. As of XXXX XXXX XX/XX/XXXX, and again in XXXX XXXX XX/XX/XXXX, I was employed with the US Census Bureau . During this entire period, no garnishments happened and no attempt to collect the debt was conducted nor requested. Only recently, on XX/XX/XXXX, two garnishments were taken and paid to Transworld Systems without any notification and that was in the amount of XXXX, one for a check amount of XXXX $ and another for XXXX . And now that I am employed again with the Census Bureau, I have had another garnishment of my pay in the amount of XXXX $ taken without any notification until same day it was not even deposited to my account. It was apart of my first paycheck, now this is the worst part, I have been notified that my entire paycheck has not arrived and that it was completely garnished in wages from Transworld Systems Inc and they refuse to correct the error from all three garnishments and soon to be my fourth, when they are now telling me that my balance with them is XXXX $ and that I have to pay that in full for me to stop all accruing interest on the account and that if I dont, then they will continue to add more interest to the balance. I am due a paycheck from the US Census Bureau, this past week. And still no sign of my paycheck to my bank. I have contact three agencies who feed me inaccurate information and push me on to the next colony to find resolution. And they are planning to take my entire wages and have not contacted me once to inform me of their decision and lied to me over the phone with referencing that I still owe this debt and I need to resolve it. This is where they are wrong and should be taken to court for violating several labor union laws that protects anyone with medical condition and other XXXX and try to embezzle money from me. I want to report that they are conducting illegal activity.
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| 01/12/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I can provide any documentation/specific information needed for these cases, please just let me know what you need. I have 7 binders full of paperwork ... too much information to include here.
The facts : 7 separate cases filed against me, under the following variations of XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX *Current alleged total of all loans is over {$190000.00} and continues to accrue interest. This is more than double the original amount.
Our situation : In XX/XX/XXXX-XX/XX/XXXX, I took out loans to help pay for living expenses during college. In XX/XX/XXXX, after our family business went under, we had to declare bankruptcy. Our no asset Chapter XXXX was discharged in XX/XX/XXXX, but that did not help with the loans as they were classified as private student loans. We have continued a slow but steady income increase since that time ( currently up to $ XXXX/year as a family of XXXX ), but due to life circumstances ( cars breaking down, household repairs, medical issues ) we just barely squeak by with month to month finances. We have already cut back on all extras. If we are faced with a garnishment or bank levy ( which is seemingly more likelyas we have multiple judgements against us from these loans ), it would destroy our ability to squeak by.
Our issue : As I said, inXX/XX/XXXX-XX/XX/XXXX I took out loans to help pay for living expenses during college. These loans were advertised as alternative education loans, which could be used to pay for living expenses, past tuition, and study abroad programs. They were not certified through the school, but instead required me to simply send in a copy of my schedule for that semester. They mailed a check directly to me, in my name. It never went through the school or financial aid office. Im stating all of this because from the research Ive done, these loans do not qualify as true education loans per the bankruptcy code. Therefore, beyond the issues with credibility of their documents in the cases against me, I believe these loans should have been discharged in our XX/XX/XXXX bankruptcy and this whole mess never should have wasted the courts and our time. I can point to exact portions of the bankruptcy code to support this claim, if neededplease just ask.
In XX/XX/XXXX, XXXX XXXX XXXX ( from here on XXXX ) filed suit against me, combining 2 loans into one lawsuit under the plaintiff XXXX XXXX XXXX XXXX XXXX XXXX-I. I answered, and filed pro-se as I could not afford a lawyer and every lawyer I talked to at the time wasnt interested in pursuing the case. After 2 years of back and forth with XXXX within the courts, I lost after representing myself at the bench trial. Their proof of chain of assignment was a self-produced document which they claimed ( through a shady affidavit from XXXX XXXX XXXX ) was a redacted Schedule 2. Dates on this document make it impossible for it to be what they claim ( A create date of XX/XX/XXXX, when the pool supplement XXXX claims it is a part of is dated XX/XX/XXXX, for example ). I questioned the document at trial, and even asked the affiant under oath if she had ever worked for the original creditor on the promissory note provided in the complaint ( XXXX XXXX ) and she admitted that she had not. Still, I lost. I attempted to appeal, but the judge did not approve in forma pauperis status, and I could not afford the filing fees to continueso it was dismissed. I am not employed, ( I have XXXX children and childcare would negate any salary I would make ) so they can not garnish my wagesbut my husband is employed and I live in fear that they will levy our bank account.
This is just one case. There are 6 more ( all of which are against both myself and my husband, as he was a cosigner ). 4 of them we have fought pro-se in the courts through to bench trial, with the same result. 1 of them ended in a summary judgement in favor of the Plaintiff because we were never served with any paperwork until we received the order granting summary judgement in XX/XX/XXXX. 1 case is still active, with the last activity being our response to Plaintiffs discovery and our own request for discovery ( which was never answeredand never has been in any of these cases ) in XX/XX/XXXX. All of them have failed to produce an actual copy of the schedule 2 listing my loan as one of the pool involved. There are various forms of computer generated documents that they claim are this schedule 2, but none of them state that they are the schedule 2, nor are they verified or certified by someone other than an affiant from XXXX XXXX XXXXXXXX, and they all have glaring issues regarding credibility.
I am hoping there is something the CFPB can do to help us. Or guide us. We dont have thousands of dollars to spend on a lawyer, but it is obvious that the courts do not take pro-se defendants seriously. My mental health can not continue to fight this when the outcome is always going to be in favor of the big company that can spend money on lawyers. Please help.
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| 12/05/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I have attached three documents of which are all of the correspondence requests that I sent via e-mail to Transworld Systems Inc. ( TSI ), using the e-mail address on their statement. The same was also sent directly to XXXX/XXXX XXXX XXXX. Every attempt went ignored.
I will make this as short as possible as all of my questions and requests are in the three correspondence documents enclosed. First I have no idea who Transworld System Inc. is or why they are involved to begin with as I had an agreement with XXXX/XXXX XXXX to settle my account for {$3000.00}. For the past two years or more I have just assumed I was paying this agreed to amount directly from my bank account. I just so happened to open a letter from TSI that was sent to my parents address, a address that I have not even lived at for 6-7 years. I have several issues and questions regarding TSI : 1. Is TSI a part of the government therefore allowed to be garnishing {$300.00} each month from my Social Security Disability ( SSDI )?
2. This debt had not been paid on since at least XX/XX/XXXX which was the result of many XXXX/injuries sustained from my XXXX to XXXX about a year prior. Does this not fall into the law here in Oklahoma regarding the Statute of Limitations in regards to debt/collections which ranged from 3-5 years from the date last delinquent of which I was well past this timeframe when someone started garnishing {$300.00} per month from my SSDI benefits which should be protected to begin with even if this debt was within the Statute of Limitations of which it is not.
3. My credit limit was {$6000.00} and on this letter that was sent to a residence that I havent lived in almost a decade shows I owe over {$9000.00} and the majority of what is being garnished from my federally protected pay is almost entirely going to interest like a big scam, taking advantage of a XXXX veteran and in turn this would take me another 10 years of paying {$300.00} per month on before ever paying this off.
4. I want to know how much I have been garnished the past two years or more now. {$300.00} per month for two years would come to {$7200.00} which is {$1200.00} more than my {$6000.00} limit and {$4200.00} more than the {$3000.00} we settled on. The statement conveniently does not reflect any of this.
5. What address was I allegedly sent any notifications or my rights to appeal? I have lived at XXXX XXXX XXXX. XXXX, OK XXXX since XX/XX/XXXX and I havent received anything there.
6. Why has all of my correspondence and requests for information been ignored? I believe I have the right to ask these questions and be provided the requested information according to law.
In closing if this debt that is being collected on is past the Oklahoma Statute of Limitations, I am requesting that I be paid back in full the {$300.00} per month that has been directly taken from my SSDI benefits for the past two years or more and still occurring monthly. I went delinquent in at least XX/XX/XXXX and started getting my SSDI garnished in XX/XX/XXXX which is 6 years, therefore, by Oklahoma law can not be legally collected on but that was ignored as well as garnishing my SSDI benefits which is supposed to be protected from such but that to was ignored.
I have been barely minimally surviving living off of XXXX as the direct result of my time in XXXX and when I opened the letter it was like someone spit in my face and that my account somehow being {$3000.00} over my credit line after I have already had at least {$7200.00} garnished thus far and would take approximately another 10 years to pay off given the ridiculous interest rates being charged and then there is no way to question any of this as you just ignore it and you wonder why 22 veterans a day are committing suicide. This is one of those reasons, because we are sent off to war and come back to this, being taken advantage of to where I am living off of pay day loans just to survive and you are taking that much in interest each month. This is something I would see on XXXX XXXX XXXX with all the stories on ponzy schemes, con jobs and all sorts of bypassing laws to completely XXXX me over.
I made my settlement with XXXX/XXXX XXXX and have never heard of TSI of which I believe is not a government agency and not allowed to have been garnishing my federally protected pay on a collections account that is over the Oklahoma Statute of Limitations and should be deemed closed, null/void, but I guess its easy to take advantage of someone with so many health problems that they are XXXX XXXX XXXX XXXX and when you send any correspondence to an address of which I havent lived in near a decade and then you ignore all correspondence and laws then it makes it pretty hard for a guy like me to be able to do anything about it. To me it is unethical and I not only request every single bit of correspondence regarding this debt immediately because I dispute everything you have been doing thus far and I am requesting that immediately I receive all pay illegally taken from me for the past two years or more and still continuing.
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| 06/09/2019 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
Servicemember |
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I have now been made aware of the lawsuit against XXXX XXXX XXXX and the pending judgement as of today. Have been paying a creditor for almost 1.5 years when I realized that XXXX has a lawsuit that was filed in XXXX. I had actually calked the creditor who informed me that the loans that were defaulted were over {$100000.00}. I believe that I might be one of the XXXX that can not find the original promissary note. I have also been made aware that XXXX was supposed to do an internal audit of its portfolio. The debt collector was contacted yesterday, and they stated they would email me a copy of the original promissory note. I have yet to receive anything from them.
I copied my original complaint to you from XXXX. I await your response.
Original Location of School : XXXX University XXXX XXXX XXXX XXXX Date of Enrollment : XX/XX/XXXX-XX/XX/XXXX XXXX Loans Original Loan Amounts Listed from my XXXX account : XX/XX/XXXX XXXX Delinquent {$54000.00} Hide Details for this entry XXXX - disbursed XX/XX/XXXX Loan Status Loan Status : DELINQUENT Disbursement Information Disbursement Date : XX/XX/XXXX Loan Program : XXXX Owner : XXXX Guarantor : XXXX - XXXX XXXX : XXXX UNIVERSITY Out of School Date : Out of School Date is the date provided by your school that typically represents when you will/did graduate or when you were no longer enrolled at least half time. Below are some common reasons why this date may not reflect your current or actual status : o You previously left school and have since returned. Therefore, your out of school date represents the original date you graduated or ceased to be enrolled at least half time. o Your school only reports the current academic year or term ; not the full length of your program. o You have a private loan that allows for a maximum amount of time for an In School Status. Therefore, the Out of School Date represents when you have reached this maximum. No Out of School Date listed? Some loan programs do not use an Out of School Date for determining when repayment begins, including : PLUS, Graduate PLUS, Consolidation, and many private loans. Please contact your school if you have questions about your Out of School Date. Close this Help Text XX/XX/XXXX Interest Rate Information Interest Rate : 7.96 % Interest Rate Type : STANDARD VARIABLE Subsidy : NON SUB Loan Balance Original Balance : {$33000.00} Late Fees : {$0.00} Unpaid Interest : {$2100.00} Current Balance : {$54000.00} Payment Information Monthly Payment : {$230.00} Repayment Term : 212 Months Expected Payoff Date : XX/XX/XXXX Due Date Information Next Due Date : XX/XX/XXXX Days Delinquent : 133 In the past 133 days, I have exhausted all forbearences, deferments, Income-Sensitive options I have. I have been trying to negotiate with the orginal guarantors, who have sold my loans to XXXX/XXXX XXXX XXXX, XXXX and XXXX, who will call me several times a day, stating I have no options left, that I have to pay. I continue to try and contact XXXX XXXX in XXXX who was my owner of the loans until selling to XXXX. No one will tell me how to contact the lender to rehabilitate the loan, to prevent it from defaulting. All calls to XXXX basically tell me that there is nothing I can do, but try and chip away at the defaulted amount of {$1900.00}. I am paying at least {$200.00} every two weeks, and never ever made a dent in resolving my debt. I have contacted lawyers who can not help me. Most of the creditors call me every day, and now, I am going to ask for a cease and desist communication order. Even though I do not want to default, I am told that I can not even use a deferment for these loans as I try to complete my XXXX in special education with grants. No one will help me rehabilitate this loan with a fixed rate ( I am paying a variable rate now of 7-8 %, and my original loan amounts have double in 5 years. I will never be able to pay these off, even if I pay the installment amount of {$440.00} ATTACHMENTSY : XXXXrightnowIncident934aes5.pdf ( 20.4 KB ) Y :
ightnowIncident934aesletter1.pdf ( 15 KB ) Y :
ightnowIncident934aes7.pdf ( 15.2 KB ) Y :
ightnowIncident934aes4.pdf ( 15.1 KB ) Y :
ightnowIncident934Student Loans Correspondence.docx ( 64.4 KB ) Y :
ightnowIncident934aes6.pdf ( 14.2 KB ) Y :
ightnowIncident934aes3.pdf ( 15.2 KB ) Y :
ightnowIncident934aesletter2.pdf ( 10.2 KB ) Viewfull complaint ReferredSTATUSREFERRED TO We referred your complaint to the Federal Trade Commission.
We reviewed your complaint and weren't able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue.
We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.
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| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To whom it may concern : During the Spring semester of XXXX, I received a Perkins Loan from XXXX University to assist with education costs. Due to extenuating circumstances, I was not able to pay back the loan right after graduation in XX/XX/XXXX. I was under the impression that XXXX, as advertised, would help place me with a top-tier company that would compensate me with a suitable wage that matched my education and skillsets. Due to the fact that it took me more time than anticipated to get a job, I applied for forbearance for all of my loans and was approved. I was under the impression that this particular loan would have been included with the other loans that were approved for deferment. Sadly, I was mistaken. It wasn't until I started receiving correspondence via phone and postal mail that I realized this Perkins Loan was separate from the others and not handled by XXXX like the other loans. I set up payment arrangements, however, I wasn't able to keep up with the payments. I was unemployed for quite a while and I had to prioritize other bills above this loan for my own survival. The loan went into default eventually. I was able to finish paying off the loan in XXXX XXXX, 60 months after the origination of the loan. Unfortunately, the loan was still being reported as unpaid from XX/XX/XXXX to XX/XX/XXXX. That is false information remaining on my report for 20 months after being paid in full. I disputed this with XXXX several times to no avail. Each time it was disputed online, the credit bureau allowed for this false information to remain on my report as is. The situation became so egregious that XXXX banned me from being able to dispute this account online and over the phone. I gave up on this situation for a while. On XX/XX/XXXX, I called XXXX to speak with XXXX XXXX XXXX. I left a message with one of her associates that my account status still needed to be updated. The next day, XXXX XXXX emailed me back stating the status of the account is indeed being reported correctly. I refused to respond to her. I decided to go to the XXXX website to download a form to complete a mail-in dispute. I wrote a letter explaining the situation to them and I also attached proof that my account is paid in full. This is the same proof that I was providing when I was handling my disputes online. Finally, after receiving my letter and the attachments, the payment status of the loan was updated to " paid, was a collection account, insurance claim, or government claim or was terminated for the default ''. However, while updating the payment status they also falsely reported negative payment history for XX/XX/XXXX and XX/XX/XXXX.
XXXX University is in violation of the Fair Credit Reporting Act ( FCRA ). They falsely reported negative payment information and they also did not send proper notice of this negative information that was reported.
( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
They are also in violation of the Fair Debt Collections Practices Act ( FDCPA ). The original balance was {$1300.00} and I ended up paying {$1700.00}. There was an unfair amount of additional fees and interest.
808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I experienced undue stress because of this situation. I lost job opportunities that required a security clearance. It has also been hard getting a home loan with this on my report. I have been trying to purchase my first home. This account was sitting on my report as UNPAID for nearly two years after it was paid. Then when it was updated they added more FALSE NEGATIVE INFORMATION.
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| 06/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Consumer received notice of an alleged debt account claiming to own an alleged account from affiliate XXXX XXXX under consumers copyrighted name XXXX XXXX. Upon research consumer have found that Transworld Systems Inc. either have no license or the proper license to collect on debt as a debt collector within XXXX. Consumer has filed complaint with XXXX. XXXX also stated that they are collecting a debt for XXXX XXXX as if XXXX company was hired by XXXX XXXX which appear to be a common deceptive practice from a debt collector. I ask that XXXX Please provide eventual documentation of your rights and interests for collecting on alleged debt. Please provide purchase agreement between your company and the XXXX XXXX concerning any matter of account in the name of consumer. The consumer has put on notice Transworld Systems Inc. illegal and deceptive acts against the consumer. Transworld Systems Inc. are attempting to collect on an alleged non-debt obligation. The consumer has notified your company that he seeks full validity using contractual interest, rights, and ownership of alleged credit account between XXXX XXXX and the Principal Consumer. The consumer requested previously to opt out of consumer reporting according to XXXX cfr XXXX reasonable opt-out opportunity must be provided. XXXX has failed to provide evidence and is considered to be in dishonor.
Upon speaking with the IRS who has validated using documentary evidence via public access publication that a charged off, cancelled, discharged or collections account are considered income by terminology of certificate of indebtedness and must be accounted for as income providing 1099-C or 1099-A for its purposes as evidential documents as required by the IRS for the consumer and since its now treated as income per IRS, and according to consumer reporting agencies income is not included in consumer reports. Consumer has previously notified Transworld Systems Inc. of the foregoing information as well. If these accounts are being reported to consumer report, they must be deleted.
Since my previous demand, Transworld Systems Inc. continues to be in default and its failure to perform according to law, the consumer will take it a step further in seeking remedy per 15 USC 1692k.
Transworld Systems Inc. stated in their notice that lawsuit is being prepared against the consumer for alleged debt of the consumer. This is violation of California Rosenthal Act and FDCPA according to 15 USC 1692.
Also I want to point out that XXXX XXXX has a mandatory arbitration clause on any disputes. Its a violation of contract for any adverse actions to happen without going through arbitration. Therefore, Transworld Systems Inc. claim is of owning alleged debt with rights to collect would be void in court.
As stated before in previous claim you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. consumer did not authorize Transworld Systems Inc. to obtain in anyway my private information including alleged debt and use it against the consumer. Consumer have no contract with Transworld Systems Inc.
Consumer also stated previously by notice did not verbally nor provide written agreement of sharing my personal information. Consumer would like to know who authorized Transworld Systems Inc. to obtain personal and private information without written consent? Please provide original security or any documents relating to an agreement between myself and Transworld Systems Inc. Please provide documentary evidence of my authorizing of Transworld Systems Inc. to open an account in consumer name and infringe on consumer credit report.
As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION.
As the consumer previously stated to Transworld Systems Inc., under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer agreeing to the furnishing of information and consumer report can not have personal transaction history. This violation account on my consumer report has attempted to prevent the consumer from taking advantage under the full faith and credit his legal rights for equal and fair credit opportunities by damaging of the copyrighted name XXXX XXXX that Transworld Systems Inc. has opened an account under. The consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. Consumer is entitled to compensation per violation sharing and using not fully disclosing all information and intent of trading/sharing and profiting off consumer private personal information and violating Privacy Act 1974 and FDCPA. Proof of claim will be used to file suit for not only identity theft but also state and federal violations.
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| 02/18/2021 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't temporarily delay making payments
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Web |
Servicemember |
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Hello, My name is XXXX XXXX and I currently have a student loan account with University Accounting Services ( UAS Connect ).
Myaccount number is : XXXX The purpose of this email is regarding my forbearance application that wasre-submittedonXXXX, XXXX.
My first execution was sent via email : XXXXonXXXX XXXX, XXXX. I sent a follow up email to the email account : XXXX as well as my UAS connect portal to confirm that the documents were received, but I did not receive any reply.
OnXXXX XXXX, XXXX, I called UAS XXXX multiple times to onlybe placed on hold for 30minutes and an automated attendant came on the line and stated there was no one availableto take my call and hung up the phone.
XXXX XXXX, XXXX, I spoke to representativeXXXX who told me that there was no record of my documents and to resend the information to her email address. I resent my application to : XXXXShe stated to me that she received the application and will forward to the appropriate department. She then stated the process willtake 10 business days.
XXXX XXXX, XXXX, I spoke to a gentleman regarding my application and the concerns that I have and he assured me that the applicationwill be processed no later thanXXXX XXXX, XXXX.
OnXXXX XXXX, XXXX, I spoke to a young lady regarding my account and she stated to me that no one has started to work on my documents. She then stated that she will escalate the paperwork and byTuesday - XXXX, XXXXI will receive information concerning my account.
OnXXXX XXXX, XXXX, I called UAS and once again, I was on hold for 30 min. until the automated system came up and stated to me that no one was available to take my call and hung up.
On XXXX, XXXX, I called to obtain the status of my application which has now been the allowed 10 business days of which I was told my application would be processed. The representative that I spoke to stated that there has not been any movement with my application and she will make my application priority. I then asked to speak to a supervisor of whichI was told that personwas in a meeting. I was given an email address of : XXXX to contact her, however, the email address did not go through.
On XX/XX/XXXX, I spoke to another representative who stated that UAS XXXX is completely backed up due to the new system that is used and she will escalate this issue to her supervisor and the supervisor will contact me. I also asked for her to verify the supervisors email address that was given and she told me that best email address to contact was : XXXX. That is a different email that I received. The email address did not go through and I did not receive a return phone call from any supervisor.
On XX/XX/XXXX, I emailed UAS XXXX this very same email showing what occurredand pleading for assistance as this could greatly impact my credit report. The email was sent to : XXXX and as of the date of this email, I have not received any response.
On XXXX, XXXX, I called and to my surprise I spoke to XXXX again who stated she will escalate thematter and everyone is backed up and I will have to wait. I again explained to her my concern regarding my credit report and I was told that the only thing she could do is escalate my application.
XX/XX/XXXX, I spoke to representative XXXXwho stated that she did not see my application being processed, but she will contact XXXX XXXX XXXX XXXX regarding my application and a supervisor will contact me regarding my application. She stated she put into her notes regarding my concern with the now late payments that was suppose to be differed as repayment started for me XX/XX/XXXX and continued every month on the XXXX of the month.
Right now I am extremely concerned as my secondpayment has been due. I attempted to make a payment, but my payment was returned. I am now passed due forXXXX and XX/XX/XXXX payment and I do not have the means to make any payment. I constantly receive text messages and calls from my credit union regarding this past due account, and more importantly, I'm extremelyworried that I will now have a late payments on my account that will impact my credit report for 7 years.
My fianc 's military unit has been XXXX, due to the pandemic, and I just graduated with my XXXX XXXX XXXX. My hours have been cut due to the pandemic and I have XXXX children to take care of, along with my elderly parents who live with us.
I am graciously asking you, could you please help me with processingmy forbearancedocuments. I can not afford to make any payments right now due to the current economic state and I do not want to have a negative mark on my credit report. That will damage my family for the 7 years to come.
Thank you for assisting with my great concerns and please feel free to contact me via email or cell phone if you need any further documentation or information.
Thanks for all that you do and I hope to hear from you soon.
-- Warm Regards, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Direct : ( XXXX ) XXXX Email : XXXX XXXX
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| 07/24/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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Transworld Systems Inc. ( TSI ) is acting as a debt collection agency for XXXX XXXX formerly known as XXXX XXXX to collect a purported debt of {$350.00} claimed against me by XXXX XXXX. This amount is premised on the fact that I recalled the {$280.00} I initially paid for ( Application and administrative fee ) ; and they added {$75.00} as fee for the bank recall. The company considers the {$280.00} I paid to be non-refundable regardless of whether they provide services paid for or not, because these fees were tagged non-refundable in the application agreement. Thus they engaged TSI to pursue the debt of {$350.00} with me.
Upon receiving the notification from Transworld Systems IncXXXX about the debt, I disputed the alleged debt, and provided evidence proving my position but Transworld Systems Inc. failed to perform any due diligence to remediate the matter, rather they are pressuring me and seeking to send this debt into my credit report as a collection item.
Background to the dispute : I approached XXXX XXXX to rent their apartment facility in XX/XX/2021. At this time they were only open for showing by appointment. During my initial visit on XX/XX/XXXX I was made aware that I had to pay an application fee of {$80.00}, and administrative fee of {$200.00} to get ahead in the leasing process for which I paid and filled out an online application form. I was scheduled to inspect available apartments on XX/XX/2021, and after the inspection, I voiced my reservations regarding the substandard condition of the apartments shown to me, which were unsuitable for my family. In response, I explicitly asked the Leasing Associate and Director of Leasing, with whom I met during the visit, to furnish me with a list of newer apartments for inspection. Both individuals assured me that they would supply me with the list of new apartments once they became accessible and also promised to provide all necessary assistance in locating a suitable residence within the XXXXXXXX XXXX complex. On XX/XX/2021, I was informed by email of the availability of apartments XXXX ( # XXXX ) and XXXX ( # XXXX XXXX ), both within my budget. I expressed interest in apartment XXXX and requested further information about the amenities via email. However, I did not receive any response. I called the office multiple times but to no avail, I had to find alternative housing. Based on the aforementioned circumstances, wherein my diligent efforts to gather information to proceed with the leasing process were met with complete silence and unresponsiveness from XXXX XXXX, I went through my financial institution to recall the funds I paid for the application and administration fees on XX/XX/2021. I maintain a strong belief that the company failed to fulfill their contractual obligations. Therefore, I deemed the responsibilities highlighted for XXXX XXXX under disclosures 1 and 2 regarding in the application agreement inconclusive and unfulfilled. They neither reached out to fulfill the services that I paid for, nor rejected my application at any time. Under Texas law ( Texas Business and Commerce Code, Chapter 35, Section 35.47 ), it is expressly prohibited for companies to collect fees or monetary amounts without rendering the accompanying services.
Although the application fees were tagged non-refundable, paying the fees is precedent of the company 's responsibilities to help me find a suitable apartment within their complex. However, in this case the services for which the non-refundable administrative fee was charged were not provided, it is well within my rights to seek a refund of said fees as my application was left inconclusive. I was not allocated an apartment, neither did I at any point in time notify the apartment complex of my decision to abandon my application.
I provided this information in a letter to Transworld Systems Inc, in hopes that they would carry out an independent assessment of the matter and be an unbiased umpire towards resolving the issue amicably. To my utmost dismay, Transworld Systems Inc seems to be more interested in just collecting the debt rather than remediation. I have kept in touch with Transworld Systems Inc through the period since they reached out to me, and provided all necessary information and support to assist them in discharging their duties. However, during my last telephone conversation with a team lead within Transworld Systems Inc 's collection department, I was informed that the debt is eligible for reporting to my credit report and paying the debt would not guarantee that it would not be reported as a collection in my credit report. This prompted me to lodge this complaint because I do not believe that to be a fair assessment and resolution of the case, by Transworld Systems Inc. ( TSI ). I hereby request that you stop Transworld Systems Inc from reporting this debt into my credit report as a collection until the case is professionally investigated and resolved.
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I had a XXXX XXXX card from XXXX while in the XXXX from XX/XX/XXXX-XX/XX/XXXX. I obtained the credit cards for furniture and retail in XX/XX/XXXX. I paid all my bills on time and if I wasn't able to, there are several programs in place to help, and I used all of them. When I departed the service in XX/XX/XXXX, I asked that my cards be " shut off '' and my accounts " closed. '' I believe it was in writing as they asked me to for my protection. I didn't have work, and no where to go when I got out with my wife and XXXX kids, so I took my family and went to school. I ignored my bills for about three months while I moved, filed XXXX claims, started school, got a part time job, etc. I was also on public benefits and unemployment. I lived like that for the next two years of automotive school. I pulled my own credit report and found that I was in terrible shape. I made a list, called all of my creditors, made my case, and started paying them off, higher interest, smaller amounts first. I contacted XXXX XXXX XXXX XXXX to figure out a way to pay down my debt. When I left the service, I owed {$7800.00} between two lines of credit. I spoke with their collections department and they wanted me to pay $ XXXX. I worked for $ XXXX part time at XXXX 's XXXX parts, and was on EBT ( public aid ). I asked about other options and they said I could make 6 minimum due payments which started at 3 months worth of overdue payments at penalty APR OF 20 %, then five more minimum payments and they would drop the penalty APR and accept a smaller payment. The original contract allows them to charge a penalty APR indefinitely, compounded over time. I just couldn't come up with that kind of money. We tried combining those payments together and dividing it by six, and it was still something like {$500.00} / month. Still too much, I told them I would just pay what I could when I could. Next I get a notification that my tax return would be garnished. And so it was, XXXX or XX/XX/XXXX they took my tax return. XX/XX/XXXX they received {$3600.00}. Then I don't remember what happened, but I didn't hear anything for several months. I don't see anything due on my XXXX statement. I ignored that account and focused on others. Then I went through my credit report again in XXXX. My debt had climbed to {$10000.00}. They attempted to take my tax return again, but instead my return went to California child support for my wife 's child support bill- and that's an even crazier story. Then I was was offered a job I couldn't refuse and quit school in XX/XX/XXXX. A couple months of moving and the family mayhem, and it's XXXX. Again. I made contact with XXXX, and they had sold the debt to someone else. I got I touch with them. I started paying off all my smaller debts and now have no derogatory marks. I guess XXXX gave my account to TSI. By now, in spite of taking all my tax returns, my bill was {$19000.00}. I paid all but {$4000.00} before I got out, and now owed almost {$20000.00} on an original debt of {$7800.00}. I made contact with TSI and started paying {$300.00} / month for the last ten months. So now I've paid more than the original debt- less interest and collection fees, and owe a remainder of {$17000.00} of interest that is compounding monthly at my original penalty interest rate of 20 %. I recognize my fault in all of this. As a oung XXXX with a huge family I screwed up badly trying to survive. I have paid off debts non-stop for the last 7 years since getting out of the XXXX in the amount of roughly {$40000.00}. I have {$38000.00} in student loan debt that is on an income based repayment plan. I have asked to have that interest rate lowered to my original contract amount, and have not even gotten a response. I'm angry at this point. I'm doing my best to pay this debt, but the amount of interest they are charging is criminal. TSI is keeping both of my accounts open, one for each credit card, and billing me for two accounts. I asked why they wouldn't let me pay off one for {$2000.00} and get it off my credit report, and they said they can allocate my payments between each account as they see fit. That's great. I have to pay a CRIMINAL AMOUNT OF INTEREST on a debt to someone who did nothing to earn the money ( no services rendered to me ), and I get to pay their {$45.00} fee to XXXX twice per monthly payment. I feel this is unfair, but have not found any real legal cause to take up arms. I've read my original contract, my current credit reports from FTC.gov, and the US code regarding fair credit reporting and debt collection. My original contract States that a penalty APR can be imposed indefinitely, or until 6 consecutive " minimum payments due '' are paid, then the penalty APR reverts to the original app of 6.99 %. I feel like I've paid enough to warrant a lower rate. I don't know what else to do. Hire a lawyer? More debt? I'm just being exploited, robbed, outright stolen from. It can't be right.
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Consumer received solicited email notice of an alleged debt account claiming to own an alleged account from affiliate XXXX XXXX under consumers copyrighted name. Upon research consumer have found that Transworld Systems Inc. either have no license or the proper license to collect on debt as a debt collector within California. Consumer has filed complaint with DFPI. TSI also stated that they are collecting a debt for XXXX XXXX as if TSI company was hired by XXXX XXXX which appear to be a common deceptive practice from a debt collector. I ask that TSI Please provide eventual documentation of your rights and interests for collecting on alleged debt. Please provide purchase agreement between your company and the XXXX XXXX concerning any matter of account in the name of consumer. The consumer has put on notice Transworld Systems Inc. illegal and deceptive acts against the consumer. Transworld Systems Inc. are attempting to collect on an alleged non-debt obligation. The consumer has notified your company that he seeks full validity using contractual interest, rights, and ownership of alleged credit account between XXXX XXXX and the Principal Consumer. The consumer requested previously to opt out of consumer reporting according to 12 cfr 1022.24 reasonable opt-out opportunity must be provided. TSI has failed to provide evidence and is considered to be in dishonor.
Upon speaking with the IRS who has validated using documentary evidence via public access publication that a charged off, cancelled, discharged or collections account are considered income by terminology of certificate of indebtedness and must be accounted for as income providing 1099-C or 1099-A for its purposes as evidential documents as required by the IRS for the consumer and since its now treated as income per IRS, and according to consumer reporting agencies income is not included in consumer reports. Consumer has previously notified Transworld Systems Inc. of the foregoing information as well. If these accounts are being reported to consumer report, they must be deleted.
Since my previous demand, Transworld Systems Inc. continues to be in default and its failure to perform according to law, the consumer will take it a step further in seeking remedy per 15 USC 1692k.
Transworld Systems Inc. stated in their notice that lawsuit is being prepared against the consumer for alleged debt of the consumer. This is violation of California Rosenthal Act and FDCPA according to 15 USC 1692.
Also I want to point out that XXXX XXXX has a mandatory arbitration clause on any disputes. Its a violation of contract for any adverse actions to happen without going through arbitration. Therefore, Transworld Systems Inc. claim is of owning alleged debt with rights to collect would be void in court.
As stated before in previous claim you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. consumer did not authorize Transworld Systems Inc. to obtain in anyway my private information including alleged debt and use it against the consumer. Consumer have no contract with Transworld Systems Inc.
Consumer also stated previously by notice did not verbally nor provide written agreement of sharing my personal information. Consumer would like to know who authorized Transworld Systems Inc. to obtain personal and private information without written consent? Please provide original security or any documents relating to an agreement between myself and Transworld Systems Inc. Please provide documentary evidence of my authorizing of Transworld Systems Inc. to open an account in consumer name and infringe on consumer credit report.
As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION.
As the consumer previously stated to Transworld Systems Inc., under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer agreeing to the furnishing of information and consumer report can not have personal transaction history. This violation account on my consumer report has attempted to prevent the consumer from taking advantage under the full faith and credit his legal rights for equal and fair credit opportunities by damaging of the copyrighted name that Transworld Systems Inc. has opened an account under. Consumer is entitled to compensation per violation sharing and using not fully disclosing all information and intent of trading/sharing and profiting off consumer private personal information and violating Privacy Act 1974 and FDCPA. Proof of claim will be used to file suit for not only identity theft but also state and federal violations.
|
| 12/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
To Whom it May Concern : I am writing to submit a complaint against University Accounting Service , LLC ( UAS ). I have also just submitted a complaint against them with the XXXX XXXX XXXX. UAS incorrectly reported derogatory remarks of delinquent payments to the credit bureaus and refused to correct this. I made numerous attempts to discuss this account and mitigate the errors that occurred and, in spite of providing a significant amount of documentation and proof of their errors, they refused to submit letters to the bureaus to correct their error and the impact this has had on my credit score.
It appears as though this lender is not a trusted lender any longer for my account and as such I have paid the account in full in order to end this relationship. It was a very small account and I had been paying the minimum monthly payments only because of the very low interest rate. As of XXXX or XXXX of this year, though I thought Id been successfully making payments for the preceding 5 months, these payments had failed to go through their electronic automatic payment platform. I can provide proof that I had received emails erroneously confirming that these payments were made successfully. There is a record of my consecutive attempts to correct this account and to pay off the total amounts due.
There were errors by the IT payment platform and a lack of communication to help me rectify this, even upon numerous attempts on my part to correct this. There, apparently, was an error with my card, which I did not realize and this was never communicated. However, there is a paper trail of attempts from me to make these payments on time and that my bank account had sufficient funds for these payments. I also always ensured that there were sufficient funds in my account for the payments. There were never any notifications sent explaining the reason that these payments failed to go through or as to how to correct these issues in spite of my several attempts to correct this. The lender also did not make an effort to contact me to correct this ongoing error that clearly carries very weighty consequences. I will submit proof of my account statements with sufficient funds for these payments along with my payment confirmation emails, if applicable and necessary.
Upon speaking with several customer service representatives and managers on recorded phone lines, I requested that they review documentation that I submitted to them to show that my checking account ( that Id linked to the UAS account for automatic payments ) had sufficient funds in my account at the time of the 5 attempted transactions. We discussed the several issues with their IT platform that led to this issue in the first place. I submitted to them as evidence multiple email confirmations of the payments that I submitted and those emails also stated that the funds had been drawn from my account. I never received communication from the UAS customer service team, the IT platform, or UAS in general that there was an issue with my card or payments, but only confirmation of two of these five payments, rather. I made numerous attempts to bring the account up to date. I made several attempts to respectfully request that UAS send letters to report this to all three credit bureaus ( XXXX, XXXX, and XXXX ), that these derogatory credit remarks should be removed and that the account is now paid in full, in good standing and subsequently closed. This is very important and has very serious and significant ramifications for my credit history, so I appreciate your prompt attention to this matter.
Of course I am concerned for my own sake and want my account/credit report corrected. Of greater concern is the fact that I am not alone in these concerns. Per your website, there are 138 other people that have filed complaints against this lender. This is a company that is preying on students and destroying credit histories for their own gain. I want to hold this company accountable so others that don't know how to advocate for themselves or don't have the time, resources, etc. may also be protected against predatory lenders like this. The credit bureaus, for their part, took the " word '' of the lender over my extensive documentation refuting these derogatory remarks.
Please see the following list of documents that I submitted to them to document the aforementioned evidence of payment activity and funds : XXXX XXXX Statement XXXX XXXX XXXX Statement XXXX XXXX XXXX Statement XXXX XXXX XXXX Statement XXXX XXXX XXXX Statement XXXX UAS email confirmation of Payment Applied/Funds Withdrawn XXXX UAS email confirmation of Payment Applied/Funds Withdrawn XXXX Screenshot UAS Connect Payment Applied History XX/XX/XXXX to XX/XX/XXXX Thank you very much for your time and help with this matter.
Best, XXXX
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| 05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I checked my credit score for the first time in XX/XX/XXXXafter accepting a seat in a graduate program. I was absolutely shocked to see that I had 9 late payments on my XXXX Loan, as I had received no notices that this bill was not being paid along with the rest of my loans each month. I called XXXX XXXX XXXXs on XX/XX/XXXX and they informed me the only way to clear my credit score of the default and late payments was to get the loan cancelled through a qualifying job. They also gave me access to my account so I could see my bill for the first time. Finally, they told me if I met the requirements for loan cancellation, all negative marks on my credit score would be erased.
At the time, I was nearing my one-year anniversary working as a full-time XXXX XXXX. Multiple UAS representatives told me this position qualified for cancellation of my loan payment and erasure of both the default and the late notices on my credit score. I mailed the cancellation paperwork detailing a year of full-time XXXX XXXX employment on XX/XX/XXXX. The 9 month grace period on the XXXX Loan lasted from XX/XX/XXXX ( graduation ) through XX/XX/XXXX, and my cancellation was granted from XX/XX/XXXX-XX/XX/XXXX.
On XX/XX/XXXX, I called to confirm my paperwork had been received. I was told to wait a little longer for processing. I was also reassured that once the cancellation paperwork was received, the default and all late payments would be cleared from my credit history. On XX/XX/XXXX there had been no changes to my account. I called and the representative told me the corrections had been processed, that the late notices would be cleared, and that I should wait until the beginning of the month to see the changes.
On XX/XX/XXXX, I called again. I was told to wait until the beginning of XXXX to see the changes. When I told them those were my instructions from the previous month, the representative told me he would contact the account specialist. He also confirmed my credit history would be completely cleared. On XX/XX/XXXX, I called to follow up and was asked to send screenshots of my credit report. I did this while on the phone with the representative and she told me they had made an error, that she would follow up with the account specialist, and that the late charges would be cleared. ( The default was cleared at some point before this, but the 9 late notices are still damaging my score. ) She promised to call me the following day and asked me to follow up if I hadn't heard from her.
I called again XX/XX/XXXX after the previous representative did not contact me, and was told by a different representative that my credit score had already been cleared and to wait for the beginning of XXXX. After I explained how many times I'd heard these same instructions, she told me she'd email the account specialist. On XX/XX/XXXX, my account still was not cleared. I emailed to follow up and emailed again on XX/XX/XXXX. On XX/XX/XXXX, I received a response that my account would be updated at the beginning of XXXX. On XX/XX/XXXX, I was told to contact XXXX XXXX. I did so and on XX/XX/XXXX, the XXXX representative responded : " I requested the negative history from 2/XX/XX/XXXX-XX/XX/XXXX to be deleted and 'deferred loan ' used for the same time period. Please allow 10 days for the AUD to update. '' On XX/XX/XXXX, I receive a credit score alert that 2 late payments had been removed, bringing the total late notices down to 7. On Friday, XX/XX/XXXX, my history again showed 9 late payments. The XXXX representative sent an urgent email to UAS billing service and requested another credit update. Since then, I have not heard from XXXX despite 2 follow-up emails on XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX, I called and spoke to a supervisor, who discovered a technological error that prevented my credit score from being cleared. He gave me his word this would be fixed immediately and forwarded the issue to the UAS tech department for resolution. On XX/XX/XXXX, I called to confirm the supervisor had done what he promised. That supervisor said the cleared credit history was being submitted to the credit bureaus that afternoon.
On XX/XX/XXXX, I'd seen no change to my credit score, so I called and was told the correct information had been submitted XX/XX/XXXX. This was clearly not true, so I called back and was told to wait for the beginning of the next month. I then spoke to the manager, who said the correct credit score was submitted XX/XX/XXXX and to wait 24-48 hours for an email. On XX/XX/XXXX, I'd heard nothing and called to inform her that UAS is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for false credit reporting. As of today ( XX/XX/XXXX ), I still have heard nothing from UAS and my credit history is unchanged.
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| 02/13/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Putting this false information on my consumer report has damaged my reputation 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or A negative balance means I owe something but if balance in positive amount, how is it a bill/debt owed? 15 US Code 1666- Correction of billing errors : if sending me a bill or statement, then billing error and violates my consumer rights. 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company has tarnised my reputation and violated so many of my consumer rights.
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| 05/23/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My Power has been disconnected since XX/XX/XXXX and I owed a balance of {$1600.00}. I have been displaced from my home since then. I have a XXXX XXXX on my account with XXXX since XXXX. That is a provision set up for people who use life saving breathing apparatuses that run on electricity. The rent is still being paid at my home, even though my children are sleeping on the floor at their sister 's house in XXXX, XXXX & I am at a friends in XXXX. I went to get assistance from XXXX County on XX/XX/XXXX to restore services as I had to wait for a full calendar year to pass since the last date of assistance. I have black mold in my home and I am trying to move. I have filed a lawsuit against my current landlord for damages that occurred since XXXX, XXXX from the mold. With that, the agency is willing to pay the {$1600.00} so that I may move out and get my kids back home. Due to the nature of the housing program I am in, I can not be provided with documentation to move out until my Power is restored. XXXX added a balance that they claim I owed from XXXX to bring the total amount owed for the restoration of service to {$6900.00} and some change. Which renders the agency in the county incapable of helping me restore my service. I called them on XX/XX/XXXX to ask them why my balance had increased 434 %, the rep. in the credit department wouldn't tell me why my balance went up, he made me call the collection agency that they forwarded my account to which is XXXX, in XXXX, VA. Their rep. XXXX XXXX reviewed my account and could not find any information or invoicing connected to that balance. She advised that I had two accounts and two balances in XXXX 's system. She could see where they added the balance in XXXX and then stated that she believed they were double charging me and advised that I call back and ask for more information on the {$5000.00} balance. She did so on a recorded line, so there is proof of her statement. She told me to call XXXX. I called back to the credit department at XXXX, I spoke to Mr. XXXX, he looked up my account and told me that the balance was from an old address in XXXX. He could not find any further information on the balance, as there is no supporting information. Essentially, they have no records in regard to the balance, only that it appears unpaid. My issue is that I apply with the Office of Energy Assistance just about every year as I am pretty poor. In that, they offer what is called an arrearage payment every 7 years as that is how the arrearage payments work. I applied for that arrearage back then, which made me have to wait until 7 years passed to get it again. I also received that arrearage last year..which is around 7 years later. My contention is that they DID indeed receive that payment, but kept poor records surrounding my account. I asked Mr. XXXX do they typically allow someone to move and start an entirely new account with such a balance, as I explained that it had in fact been taken care of. before I received a new account. While he stated that it is not unheard of to still allow an account to be opened, it's atypical to see it done when a customer has such a large balance. I explained to him that in my opinion, that is poor business practice. I spoke to my ex-husband about it and he said they did the same thing to him and then disconnected his service for an old account they found and made him pay to restore service. He was pretty upset that XXXX is allowed to basically run an audit and tack a balance on someones account so many years later and force them to pay to have power. You can not live in this tri-state area and not have XXXX as your power company unless you live in XXXX. So essentially, my ability to live and thrive as well as my kids is being held ransom for a 7-year-old ghost balance that they have no information on. From what I understand, any debt on your credit report must be removed after 7 years how is this a legal practice for XXXX. It seems that they know that 7 years have passed and if I am such a bad customer per their words, why not make me pay in XXXX when they gave me a new account? Why wait until now? Why allow someone who owes you {$5000.00} to open another account in the same company? I want the balance removed, so that I may pay the {$1600.00} and go home. My children have been sleeping on the floor at their sisters for almost a year now to due us not having power & not being able to move from the mold. As soon as I get some help, they add a HUGE balance because they know I have to have power to live here, so someone will pay it. I also want it removed from my credit report as they appear to have no data on that account number to even know if it has been paid or not. Thank you for hearing my story.
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| 03/21/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was first contacted by Transworld Systems Inc. and notified of my debt via phone call on XX/XX/XXXX. They notified me that they were calling on behalf of Illinois Department of Revenue to collect an overdue tax balance for my XXXX state income taxes.
Prior to this call I never received any notice from the Illinois Department of Revenue that I owed state taxes.
During this initial phone call on XX/XX/XXXX, Transworld Systems tried to get me to pay the balance over the phone. Since I was completely unaware of this overdue balance, I was worried it might have been a scam and instead asked them to send me written verification so I could confirm the balance was actually owed and pay securely online.
I provided my updated address and asked that written verification be sent in the mail to my current address. I also immediately sent an email to the Illinois Department of Revenue asking them to verify the balance. I did not receive any response.
A week later, on XX/XX/XXXX, I received a second phone call from Transworld Systems. Once again, they tried to get me to pay the balance over the phone. I explained to them a second time that I had not yet received a written notice in the mail, despite requesting one the prior week.
After viewing my account, they informed me that the account noted that they tried to send a notice in XXXX, but it was returned to sender. I explained that I moved in XX/XX/XXXX and gave them my updated address the week prior ( on XX/XX/XXXX ).
After this second call, I once again went to the Illinois Department of Revenue to see if I could somehow view/pay my balance online. However, when I entered my full name and social security number, it said no records were found. At this point, I felt like the calls were most likely a scam since I could not verify my debt with the Illinois Department of Revenue and had still not received the written verification I had requested.
For this reason, I ignored the daily calls from the collection agency number.
It wasn't until XX/XX/XXXX ( the date the letter is dated ) that the written verification letter from XXXX XXXX was finally sent and provided the information of the debt and directions of how to pay it online.
After receiving the written verification, I noticed that in addition to the original balance of {$890.00}, they were also charging me {$43.00} in interest, a {$130.00} collection fee, and a {$110.00} penalty fee.
I called Transwold Systems to discuss these additional fees and penalties. I explained that I'm more than happy to pay the initial balance of {$890.00}, I did not believe it was fair to be paying the additional interest and fees considering they failed to provide any written verification.
During this call the collection agency confirmed the following dates : XXXX XXXX : The account was placed with Transworld Systems , Inc .
XXXX XXXX : The initial written noticed sent by Transworld Systems was returned to sender.
XXXX XXXX : Transworld System spoke to me for the first time. My address on the account was updated. A written verification was requested.
XXXX XXXX XXXX Transworld System spoke to me for a second time and confirmed my updated address. A written verification was requested for a second time.
XXXX XXXX : The written verification was sent via mail.
Not only had the state failed to notify me that this balance even existed, the collections agency then failed to contact me in a timely manner to notify me that I had a debt sent to collections.
It took them 49 days between having the initial notice return to sender and them finally contacting me via phone to notify me of the debt. It took an additional 58 days to send me a written verification after I requested one during their initial phone call with me on XX/XX/XXXX.
They refused to acknowledge any wrongdoing and refused to waive any of the interest, collection fee, or penalty fees. Their only suggestion was to file forms with the Illinois Department of Revenue ( forms BOA-1 and BOA-4 ) and advised that it could take 10-12 weeks for the Department of Revenue to review those forms. During which time, they confirmed that the account would continue to accrue interest.
I've included 3 attachments. One is a photo of the first and only written notice I've ever received for this debt which is clearly dated XX/XX/XXXX. The second one is the email I sent to the Illinois Department of Revenue asking to confirm the debt. In this email, you'll also see that I explained how I tried to view this debt on the state tax site but was unable to view it. The final attachment is the current balance shown on the tax collection website. No additional information or breakdown of the balance is provided online.
|
| 08/11/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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In early XX/XX/2018, I tried to log into my XXXX account to make a payment for the previous month and current months. To my surprise, I was unable to make payments online, so I phone XXXX to find out what the issue was -- there was no payment option listed on the website. This call occurred on XX/XX/2018. Upon calling XXXX, I was informed that because the XXXX website was down due to the construction of a pending new site, I would be unable to make a payment of any sort until the site was back up -- I was told that I could not make neither a phone payment nor an online payment until about XXXX. At that point, I asked the representative to note this conversation in the file because I did not want to be penalized for late fee/interest when I was unable to make a payment due to the XXXX site malfunction. The representative assured me that I would not be penalized and that he would make note of our conversation in the file.
To my surprise, when I created an account on the new site in early XX/XX/XXXX, I saw that the balance was about {$85.00} more than what I should be paying. I then called XXXX, only to spend XXXX and a half hours on the phone with a representative, and then her supervisor, discussing the reason for the extra {$85.00} plus fee. The supervisor informed me that he thinks this {$85.00} amount was added because I had not made previous payments. I explained to him that I tried to cure this in early XXXX but I could not because of the website malfunction. I also informed him that I called in to speak with a representative, who assured me that I would not be charged any late fees/interests for the time that the site was down.
Next, I asked the supervisor to read me the note that the XXXX representative wrote, which was that I " attempted to make payments '' during the month of XXXX. Despite this note, the supervisor still tried to recalculate the numbers to match up to the additional {$85.00} that I was being charged. I explained to him that even if the late fee/interest should be {$85.00} based on time alone, I am not responsible for paying it because I tried to cure the late payment a month earlier.
To make matters worse, there was a big cultural difference between the representatives and myself, which made this whole process very frustrating. To further explain this, the first representative continued to read me a script that was very insensitive and did not address my nuanced question. This continued until I told her that her answer was a terrible one and that she would be offended and/or upset if she were in my shoes and someone were to give her that same answershe did not disagree with this. I then requested a supervisor, who was more apologetic than the first representative, but who still was trying to justify the {$85.00} additional payment. At one point, the supervisor said to me, that while there is a note that indicates that I tried to make a payment in XXXX, the system does not indicate proof that I attempted to make a payment. I then explained to him that the system was down in XXXX, which resulted in my calling in to speak to a representative because I could not make a payment. I told him that there would be no transaction attempt documented on the website because there was not even a " make a payment '' button to begin such an attempt.
This sort of customer service is degrading. XXXX is now trying to charge daily interest rate/fees ( re late payments ), without having done so in the past, and they are expecting customers to do so without having been given notice of their new practice. They are also expecting customers to make such payments despite their system being disabled in XX/XX/2018. This is unacceptable and abusive. XXXX knows that borrowers do not want their credit negatively affected, so borrowers will pay the extra fees just to avoid a bad credit rating. Something needs to be done to rectify this malicious practice.
Surprisingly, the new site still malfunctions. For example, I tried to make a payment on the same day that I called in to report that my balance was incorrect ( XX/XX/2018 ). I was under the impression that I entered my bank information correctly and that the payment went through ; however, three days later ( on a Friday ), I received an email indicating that the payment was reversed because of the bank info. I then logged into my account to put in my bank information again, only to repeatedly get a prompting that indicated that the bank info that I was currently entering was already on file. This is an XXXX error. My entered bank info is correct. I used the same bank info that I had previously used on the old site. Their practices need to be fixed asap.
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| 02/18/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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In 2015 I was involved in an accident where I needed to seek emergency medical attention. I went to a med express facility to receive quick treatment. I was fully covered by XXXX insurance at the time and paid my co-pay and was told there were no other costs. I was never contacted by XXXX after that. I had even visited the location and other locations a few times after that and was never notified that I had a debt. I have just opened a credit reporting service account and was made aware that there was a XXXX dollar OPEN collections on my credit report. This is from the 2015 incident. I contacted the collector, TRANSWORLD, and simply asked that it be closed and it be removed from my credit score as I never owned that money. The woman said absolutely but she did want to let me know that there was another account in collections for {$19.00}. I told her I was upset because I was never contacted about it but it was {$20.00} and I would pay it quickly and be off the phone with her. She placed me on a long hold while she spoke to her supervisor and when she came back she told me that she had re-opened and reinstated the debt for {$190.00} from 2015 though it was closed and I was never made aware that this even existed. I told her that I was never made aware of this debt never contacted and I did not show it. I was very clear. She said that it is not their job to keep up with my address changes and it is my fault if I dont see that I owe a credit or something. I asked if I could have more information like where I was treated the doctor I had seen or any of that and she insisted that I cant. She again put me on hold and when she came back she said that she could give me the date I was treated and the doctors last name but that was all. I told her I do not owe this this should have just been closed and she kept saying she had to open it and tie it to that debt so it gets paid. She again put me on hold and when she came back she said that she could give me the date I was treated and the doctors last name but that was all. I told her I do not owe this this should have just been closed and she kept saying she had to open it and tie it to that debt so it gets paid.
I said Im not going to pay it and I will talk to XXXX and see what they have to say and I asked her though why wouldnt I have been contacted if I owe this debt? I should have been phoned, emailed, or written about this. She said she had no answer for me. I insisted on getting an answer as to why I was never contacted. I said, if I never opened this credit monitoring account and if I never called into investigate that this would be a pending collection since 2015 for the rest of my life? And be affecting my credit score for the rest of my life? She then gave me credit score advice which I dont believe she is legally allowed to do And basically said maybe if I had been monitoring my credit score closer that this wouldnt have gone missed. I contacted XXXX and they said that Bill had been settled XX/XX/2015 and they had been notified that it had been paid on XX/XX/2015. So this is just been a XXXX open balance on my credit score since XX/XX/2015. That is unacceptable. My credit score has been affected now for five years without my knowledge and wrongfully. Not to mention the level of unprofessionalism and disrespect that I experienced when trying to get this solved is unmatched by and Ive had before. The woman and her supervisor whose names I have were inconsiderate rude wrong and really causing me emotional distress. I called XXXX to get my information and the woman had to talk me through my XXXX XXXX. I couldnt catch my breath I was dizzy and my night was completely ruined because I was having such a severe XXXX XXXX. The woman from XX/XX/XXXXinsured me that everything should be OK and she emailed over the proof that I owe them absolutely nothing and I should be cleared of this. The woman and her supervisor whose names I have were inconsiderate rude wrong and really caused me XX/XX/XXXX. I called XX/XX/XXXX to get my information and the woman had to talk me through my XXXX XXXX. I couldnt catch my breath I was dizzy and my night was completely ruined because I was having such a severe XXXX XXXX. The woman from XXXX XXXX insured me that everything should be OK and she emailed over the proof that I owe them absolutely nothing and I should be cleared of this. Im now concerned that my credit score will be forever effected by TRANSWORLDs mistake and I dont want someone else to go through what I went through with this woman, her supervisor, or this company ever again. You should not be harassed, attacked, and spoken down to by collectors.
|
| 09/19/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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Prior to XXXX XXXX I had payment arrangements in place. The payments were taken from same credit card after XX/XX/2019, BEFORE XX/XX/2019, TSI did not have permission to contact me by phone because I stated it would cause problems with my XXXX. But because I was having communication issues and had a problem with my credit card before I respectfully told TSI about my concerns, my XXXX, and wanting to have a good line of communication to prevent any misunderstandings ; I gave them permission to please contact me to reinsure security of my account. But I asked them to respect, understand, note, my XXXX issue and please contact me after XXXX hour.
On or around XX/XX/2019 TSI tried taking payment from the credit card on file. I had made a mistake and forgot to put payment on my account that week. I had a two court appearances on XX/XX/2019 and XX/XX/2019. For some reason the stress related to my case causes me to become ill after. However I forgot and didnt pay.
I realized the mispayment the following week around XX/XX/2019.
On or around XX/XX/2019 at about XXXX ( I was intending to call after XXXX when I thought they were open. In the past I usually contact them to confirm payment and discuss my account they did not have permission prior to then to contact me by phone ).
The Agent was rude, would not identify herself, disrespectful at XXXX XXXX. The Agent misrepresented my Delinquency. Misrepresented and said I had not paid in months. At this time I should have been 8 days behind.
After getting misrepresented information, and a negative agent I responded by telling her I have to confirm my last payment date. Because I knew I did use an alternative account once.
I checked my records and confirmed I made a payment in XX/XX/XXXX and the only payment missed was XX/XX/XXXXand returned a call to TRANSWORLD SYSTEM Inc. I talked about the the payment confusion. The negative agent, and my XXXX and asked to speak with a manager.
After several phone attempts I spoke to a better Agent or manager, told them of my issue and was able to set up a payment to be taken out on XX/XX/2019.
However, for some odd reason my credit card information was incorrect. I have used the same credit card information several times before.
By coincidence after complaining about my experience, they werent able to take payment. After checking with XXXX XXXX the reason was because the wrong expiration date was given. TSI enters this information.
On XX/XX/2019, after noticing the payment had not been drafted I contacted TSI to find out why.
Their response was that they werent able to collect payment, and they are now proceeding with garnishment. I then verified with them and my bank why the mishap happened. TSI refused to take any responsibility of what is going on.
I also asked TSI to please verify the Debt. I have not received TRUE VERIFICATION. TSI has mislead, misrepresented my payment history several times. TSI has misrepresented the actual Origin of the Debt terms. TSI was abusive, mean, untrustworthy, after I allowed them to contact me for the first time by phone on or around XX/XX/2019 and after.
I believe they were offended by my complaint. Have retaliated against me by pursing garnishment and would like to know why my Credit Card Information was in correct on XX/XX/2019.
TSI did not give me other options to pay to protect my identity. Did not fully brief me about proceeding to garnishment if the payment didnt post properly by XX/XX/2019.
On XXXX XXXX I made a courtesy call to find out what happened. At that time I was threatened and told I exhausted my options, and its nothing I can do.
I believe I am a victim of FDCA, they are violating their use of authority.
I am a FRAUD VICTIM. My credit card has been compromised and changed more than 4 times this year. I have extended FRAUD ALERTS on my account.
I do not fully know if my FRAUD ALERTS, are causing issues with them collecting payments. If its the Automated System, or a disgruntled employee. However the money was on the account prior to XX/XX/2019 and still there on XX/XX/2019. I verified the reason why the transaction failed with TSI and XXXX XXXX on a 3way call.
There was no resolution : 1.TSI is in violation of FDCA 2 . TSI are using abusive Communication Tactics.
3.TSI are making False and misrepresented information 4. TSI Isnt being truly forthcoming concerning the Debt, and collection of the Debt 5. I have not received proper VALIDATION OF DEBT I have attached a copy of my Fraud and IdentityTheft and Two past payments taken from same account that was attempted on XX/XX/2019
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| 02/23/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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First and foremost, the account in question was paid the minute i signed the promissory note, which is treated the same as cash. This third party interloper is trying to make me repay the loan when I funded the loan myself with my signature, when the note is now matured after 9 months and is now the banks security. The promissory note before the 9 months is a valuable negotiable instrument. They are using the United States Postal service to collect and alleged debt.
18 USC Section 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than five years, or both. If the violation affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
Here are some questions that will explain my position and I want them answer fully by the third party interloper : 1 : When I signed a promissory note, which account did the money come from?
2 : Was the money taken from an I.R.A., savings account, investment account, checking account, or any other type of account?
3 : Was the promissory note deposited into an account in the name of the bank?
4 : Was a check written backed by the fu
nds in the amount of the promissory note?
5 : Did the promissory note back the demand for payment issued by the bank?
6 : Does the bank understand what the term check kiting means?
7 : Did the bank present a loan agreement after the promissory note was signed?
8 : Does a banking institution have the ability to deposit an I owe you, and write a demand for payment from the account where the I owe you was deposited?
9 : When a loan agreement is signed by anyone, is the bank presenting itself as a creditor, and is the signee considered a debtor before or after the promissory note is signed?
10 : If the bank is a creditor, and the signee is a debtor, did the bank have the money borrowed before or after the promissory note was signed?
There is no contract between me and the third party debt collector. They stole and copied my original wet ink signature off of my original promissory note and created two new account numbers while trying to extort money out of me to repay ( pay again ) an alleged debt. Again the loan was paid in full when I signed the promissory note which is the same as cash.
WHY I SHOULD NEVER PAY A COLLECTION AGENCY?
First of all, they are not the original creditors. They are second and third party creditors. When they buy debt from the original creditor, they are usually buying a " screenshot '' or paper. What this means, is they purchase a portfolio of accounts and they have the option to purchase copies of all the documentation with the file. This documentation does not come free, and can triple or quadruple the price of the portfolio. Collection agencies almost never purchase full documentation, so they are unable to provide legitimate validation. Third, they are buying accounts as a form of investment. If a debt is charged off by the original creditor, which means it has been removed from their balance sheet as uncollectible from the borrower. It must be validated according to the FDCPA should it come back in some other type of collection. That means a collection agency working for the original creditor or third party that purchased the account. Remember, there are times that a debt is used as a tax loss by a creditor. This means it can not be collected at a later time as the collector would then obtain UNJUST ENRICHMENT.
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| 01/16/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I co-signed for only two ( 2 ) student loans for my friend XXXX XXXX XXXX. XXXX sent us two ( 2 ) letters on XX/XX/XXXX confirming that on XX/XX/XXXX XXXX had received final payments for both loans ( loan # XXXX XXXX XXXX XXXX and loan # XXXX XXXX XXXX XXXX ).
XXXX XXXX XXXX XXXX XXXX XXXX by their attorneys XXXX XXXX XXXX , XXXX sued me in XX/XX/XXXX and obtained a default judgment against me for an unpaid student loan. The process server swore to an untruthful Affidavit of Service. There was no one named " XXXX '' or anyone fitting the description provided by the process server ever living at my home.
I took out an Order to Show Cause to vacate the default judgment based on improper service and also based on the meritorious defense that the loans were already paid. To my surprise XXXX XXXX XXXX XXXX XXXX XXXX is opposing my motion to vacate the default judgment by declaring that I did not satisfy the loans. XXXX XXXX XXXX XXXX XXXX XXXX is putting the burden on me to prove that the two ( 2 ) Navient loans paid off in XX/XX/XXXX are the same loan ( s ) that XXXX XXXX XXXX XXXX XXXX XXXX obtained the default judgment for. This is a " catch XXXX '' because XXXX has not been able to provide me with the original loan applications or promissory notes for the two ( 2 ) paid loans and as a result, I can not prove that the application and promissory notes that XXXX XXXX XXXX XXXX XXXX XXXX has submitted to the Court are one and the same.
Since I only co-signed for two ( 2 ) loans for my friend XXXX XXXX XXXX there can be no other loans with both of our names on the loans. XXXX XXXX XXXX XXXX XXXX XXXX is being so aggressive in their collection of this default judgment that XXXX XXXX XXXX XXXX XXXX XXXX will not even consent to vacate the judgment and allow me time to somehow gather the evidence. XXXX XXXX XXXX XXXX XXXX XXXX instead wishes to continue garnishing my wages rather than address and resolve this dispute on the merits.
Especially in light of the fact that I was not served to appear in Court in XXXX as required by law, to continue garnishing and refusing to consent to vacate the default judgment shows that XXXX XXXX XXXX XXXX XXXX XXXX has learned nothing from their past problems with CFPB. I co-signed for only two ( 2 ) student loans for my friend XXXX XXXX XXXX. XXXX sent us two ( 2 ) letters on XX/XX/XXXX confirming that on XX/XX/XXXX XXXX had received final payments for both loans ( loan # XXXX XXXX XXXX XXXX and loan # XXXX XXXX XXXX XXXX ).
XXXX XXXX XXXX XXXX XXXX XXXX by their attorneys XXXX XXXX XXXX XXXX XXXX sued me in XX/XX/XXXX and obtained a default judgment against me for an unpaid student loan. The process server swore to an untruthful Affidavit of Service. There was no on e named " XXXX '' or anyone fitting the description provided by the process server ever living at my home.
I took out an Order to Show Cause to vacate the default judgment based on improper service and also that the loans were paid. To my surprise XXXX XXXX XXXX XXXX XXXX XXXX is opposing my motion to vacate the default judgment by declaring that I did not satisfy the loans. XXXX XXXX XXXX XXXX XXXX XXXX is putting the burden on me to prove that the two ( 2 ) Navient loans paid off in XX/XX/XXXX is the same loan that XXXX XXXX XXXX XXXX XXXX XXXX obtained the judgment for. This is a " catch -22 '' because XXXX has not been able to provide me with the original loan applications or promissory notes for the two ( 2 ) paid loans and as a result, I can not prove that the application and promissory notes that XXXX XXXX XXXX XXXX XXXX XXXX has submitted to the Court are one and the same.
Since I only co-signed for two ( 2 ) loans for my friend XXXX XXXX XXXX there can be no other loans with both of our names on the loans. XXXX XXXX XXXX XXXX XXXX XXXX is being so aggressive in their collection of this default judgment that XXXX XXXX XXXX XXXX XXXX XXXX will not even consent to vacate the judgment and allow me time to somehow gather the evidence. XXXX XXXX XXXX XXXX XXXX XXXX instead wishes to continue garnishing my wages rather than address and resolve this dispute on the merits.
Especially in light of the fact that I was not served to appear in Court in XXXX as required by law, to continue garnishing and refusing to consent to vacate the default judgment shows that XXXX XXXX XXXX XXXX XXXX XXXX has learned nothing from their past problems with CFPB. XXXX XXXX XXXX XXXX XXXX XXXX pushes forward with little regard for the truth or to even investigate this obvious double collection of a paid loan.
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| 12/08/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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( 1 ) XX/XX/XXXX - received a letter from my previous student loan holder ( XXXX XXXX XXXX/XXXX ) that they sold my loan to XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX XXXX . Tried to contact both for updated billing statement but XXXX " could not find me in the system anymore because of the transfer. While XXXX " could not find me because it 's a new account. '' ( 2 ) XX/XX/XXXX - received the first bill from XXXX already stating I owed more than what 's due because of a late payment from XXXX record ( which by the way, no one can find proof of, and my bank shows on-time ( not late ) payments sent by ebill. Usual due payment is {$170.00}, but I had to pay them {$190.00} for a late fee of {$20.00}. After so many back and forths with both companies who still could n't find me but was quick to tell me how much I owed, I paid the higher amount while they promise refund after due " investigation. '' ( 3 ) XX/XX/XXXX came with multiple bills from XXXX : - 1st statement : XX/XX/XXXX showed the correct due amount of {$170.00} with {$0.00} additional Fees Due.
- 2nd statement : XX/XX/XXXX showed an on-time payment of said {$190.00} from the previous month ( XX/XX/XXXX ) and a due amount {$150.00}, but there 's an additional Due Fee of {$20.00}. Now, I 'm confused.
- 3rd statement : XX/XX/XXXX showed same info as above XX/XX/XXXX - 4th statement : XX/XX/XXXX showed same info again as above XX/XX/XXXX.
** all these statements have different tracking Document ID numbers ** ( 4 ) XX/XX/XXXX XXXX bill came with interesting charges : - statement XX/XX/XXXX showed an early receipt ( XX/XX/XXXX ) of last month 's payment of {$180.00} ( more than what 's due ) ; an added Due Fee of {$20.00} ; and a total due amount of {$240.00}!!!
So, I paid early & more than what 's due from the previous month bill, and then I get hit with extra charges!
- I called customer service who was struggling so much looking for me on file. He knows I owe, and have, late fees ( which he could n't explain why ), but he ca n't find anything else, or he has " no access to my information. '' After several more back and forths, and multiple requests to speak to someone else or his supervisor, he finds me in the system! He confirms they received my payment on-time as I confirmed with my bank, and states " it was an error in their system upgrade. '' Bids goodbye and gives a promise it wo n't happen again.
( 5 ) XX/XX/XXXX bill was not improved.
- statement XX/XX/XXXX showed early/on-time receipt of previous month 's payment of {$180.00} on XX/XX/XXXX. Showed {$0.00} Fees Due. But a Past Due Amount of {$84.00} and Total Due of {$260.00} - I call again. The same painful situation of " sorry ma'am, I cant find you in the system '' despite trying multiple personal data that should be on the record. She even went as far as asking me where I went to school? ( does not matter! ). After, yet again, another painful extended period of time on the phone, asking for the supervisor, she finds me! Confirms receipt of payments on time and apologizes for " upgrading system in error. '' She confirms due amount should only be {$170.00}. Supposedly corrects the problem, and this wo n't happen again.
( 6 ) XX/XX/XXXX comes along with yet another wrong bill.
- statement XX/XX/XXXX : shows on-time payment again with the amount paid more than what 's due ( XX/XX/XXXX, {$180.00} ). {$0.00} Additional Fees. Past Due Amount of {$81.00}. Total Due of {$250.00}!
- Customer service briefly struggles to find in their system, and again uncertain what the extra charges were for. Speaks with her lead and tells me they are aware of the problem and cant do anything about it until XXXX XXXX XXXX XXXX tell them something. CSR continues to say XXXX is just the billing system. I cant even find a contact number for XXXX! So in the end, I was told again only to pay whats originally due ( {$170.00} ) and ignore other charges while XXXX XXXX XXXX investigates the matter. Meanwhile, these " past due charges '' are increasing by the month!
As you can see, I pay on or before due dates of each month, and a little extra for principal payment ( {$180.00} instead of the due {$170.00} ).
How many times must I call to correct this problem? How much stress and harassment must I endure to correct this problem while the supposed unexplained " past due charges '' increase?
I am certain I am not the only one being billed erroneously. This can account for thousands, if not millions, of fraudulently collected money. Please help! Please advise. Thank you.
|
| 02/20/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In the summer of 2019, I was travelling to XXXX XXXX for a work conference ( at the time, I was a career employee at the Office of Management and Budget ). While I was in XXXX XXXX, I had to have an emergency XXXX - necessitating several different medical/emergency response entities to help address my issue ( i.e. XXXX emergency doctor to diagnose, private EMT company to transport me from emergency doctor to actual hospital, hospital stay, surgery, etc. ).
All told, at the end of my predicament, I received nearly {$90000.00} in medical bills. However, because this was an emergency, my insurer ( XXXX XXXX XXXX said they would cover all of the expenses, even though I was out of network.
As I began receiving all of the bills, I alerted XXXX and asked that each be paid and that they work directly with the individual entities to resolve the costs. Because XXXX is a network provider and many of the billing companies had headquarters elsewhere than Nevada, it was often incumbent upon me to help make sure the right regional network claims department for XXXX was connected to the appropriate billing entity.
All told, XXXX did a pretty good job and followed through on their commitment to cover all of my emergency expense. However, there was XXXX company- despite repeated calls to work with XXXX- who chose not to. I do not know the reason, but XXXX XXXX XXXX failed to be properly reimbursed by XXXX, so they gave their outstanding bill ( {$1300.00} out of the more than {$90000.00} for my full treatment ) over to XXXX XXXX as a debt to be collected by me personally.
Within a short period, XXXX began contacting me about the debt, to which I explained that this was to be paid by my insurer. They refused to contact XXXX ( as they were a debt collector, not XXXX XXXX XXXX ) and insisted that I pay the debt. Because my wife and I were looking to potentially by a new house at that time ( not to mention, the fact that I was above XXXX on all my credit reports ), I swiftly paid the balance so as to get the collection off my books.
I am someone who has always had sterling credit. All credits cards paid in full and on time, my wife and I had been homeowners for several years by then and paid our mortgage on time and in full, etc. This incredulous, unhelpful action by XXXX XXXX XXXX and XXXX XXXX has now been a stain on my credit for nearly XXXX years.
I retained to services of a credit repaid firm ( XXXX XXXX ) to help address the situation. Initially, their help was justified- they were able to file letters with both XXXX XXXX XXXX and XXXX XXXX to remove the collection from my credit reports. XXXX was able to remove the collection and has returned my credit score on their report to near my previous peak. However, no such action has been taken by XXXX or XXXX. I can not get a straight answer from the law firm, from the collection agency, or the credit companies as to why XXXX of them can look at my very clear case ( and perfect credit history ) and remove this ridiculous, unnecessary, and wrongfully applied collection to my credit history.. but the other XXXX can not.
XXXX XXXX seems to be out of options to rectify this situation ( so I am cancelling their work on my behalf ), but I still have this abhorrent blot on my credit score which made it more expensive for my wife and I to buy our new home last year and still XXXX my credit scores. I fear that I will have years of negative impacts on my credit score and financial well being if this is not resolved.
I feel abused by this system. I have always had sterling credit, I had an insurer to covered nearly {$90000.00} in emergency hospital bills, and now - because of this collection- it looks like someone who pays all of their other bills on time - and has for nearly XXXX decades- somehow was so irresponsible and broke that they couldn't pay a {$1300.00} medical bill? This just makes no sense and the credit system is making is unnecessarily difficult to resolve this ridiculous situation.
I know my issue is not the most onerous or challenging for the Bureau. However, I do not feel that the system is operating fairly, rationally, or responsibly. I would very much like to get this erroneous and wholly unnecessary collection wiped off my credit reports and I need you help.
Thank you very much for your time and attention to this matter. I stand ready to provide any additional information or documents that might help you resolves this situation on my behalf. I appreciate your assistance.
|
| 02/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I opened a XXXX XXXX store credit card on XX/XX/XXXX and made my first purchase with said store card on XX/XX/XXXX of XXXX. There was a promotion going on with my purchase that stated there was a zero ARP interests rate on my purchase for an entire year. I started making payments on my card in XX/XX/XXXX of XXXX and my payments were going through I even earned {$20.00} dollar reward cards for said payments. My issues with paying off my XXXX XXXX card started around the end of XXXX beginning of XXXX in XXXX, while I was still making one time payments, I never received anything stating that the payments were not going through XX/XX/XXXX of XXXX I received an email from said account stating that my ACH payments were revoked due to thee fact that my payments were being returned as unpaid by my bank. I called XXXX XXXX to ask them is there another way for me to pay my bill besides the ACH payment method in which they told me I would have to go to an exchange location and continue to pay my balance off. I told the person on the phone that there was not an exchange location near me since I was residing in XXXX, Georgia and she told me that was the only option I had in regards to paying off my debt.
Also around this time I lost my job on XX/XX/XXXX of XXXX due to covid and stated that in a goodwill letter that I emailed to the XXXX XXXX on XX/XX/XXXX of XXXX, they responded on XX/XX/XXXX of XXXX and agreed to remove said late payments from my credit report. On XX/XX/XXXX of XXXX I emailed the XXXX XXXX regarding the hold they placed on my account and also requested for the due date of my payments to be changed to the XXXX of each month due to the fact it would allow my bank to process said recurring payments to pay off said debt on my credit card with the XXXX XXXX, instead of them trying to work with me since I still did not have a stable job that was paying me they told me there was nothing they could do and my account would be sent into delinquency. I was unable to sign into my XXXX XXXX account for my credit card after speaking with them through email and over the phone during the entire month of XXXX of XXXX. I still did not have a job at this point and was still unsure what happened to my account, then on XX/XX/XXXX of XXXX I was in a car accident which left me unable to work for months, but on XX/XX/XXXX of XXXX I decided to try and log back into account to see how much I owed them, again I had not used the card since XX/XX/XXXX of XXXX so I was shocked to see that the XXXX XXXX was requesting a {$600.00} dollar payment from me along with the minimum {$320.00} that I was supposed to pay. I emailed them on XX/XX/XXXX of XXXX and on XX/XX/XXXX of XXXX they asked for my name, dod number, and mailing address to assist me further with my account, I emailed them the information and they never responded to me. On XXXX the XXXX of XXXX, while I was at home someone knocked on the door and delivered a package to me I was unsure of what it was and I opened it. It was paperwork for an XXXX hearing or an automatic Wage Garnishment hearing where they stated I had until XXXX the XXXX of XXXX to send in information to request a hearing. I mailed said information to the address that was given to me on XX/XX/XXXX of XXXX, again I was still recovering from my car accident and still did not have a stable job. I sent in all the information requested and did not hear anything from Transworld Systems or XXXX XXXX.
On XX/XX/XXXX of XXXX I received an email with an attached letter for XXXX hearing I sent an email to XXXX on XX/XX/XXXX of XXXX again stating that the amount I owed was incorrect, they responded on XX/XX/XXXX of XXXX stating that my hearing would be rescheduled for XX/XX/XXXX of XXXX meaning that my hearing had already occurred without my knowledge. On XX/XX/XXXX of XXXX I received a PDF file on their decision where it was stated that I attempted to mail in payments to said account on XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$200.00} dollars. Again I never mailed in payments all the payments I made or attempted to make on this account were through ACH payment and I stopped receiving statements from this account after XX/XX/XXXX of XXXX. I provided all evidence for my hearing only for them to have the hearing occur without me being there. I feel like this is a violation of my rights and I would like for this matter to be thoroughly investigated.
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Transworld Systems where you claimed I previously owed {$650.00} and the balance has been paid in full but needs to be removed from all 3 credit bureaus.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
XXXX XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
|
| 01/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I received an email from my credit monitoring service. I learned that my credit score had dropped a tremendous amount of points. I logged on and found that TRANSWORLD SYSTEMS had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$430.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account.
Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent.
In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase.
Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX XXXX
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| 05/14/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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My communications start in XXXX with XXXX XXXX. I set up a loan rehabilitation payment and I dealt with XXXX XXXX. In XX/XX/XXXX - I sent in all requested documents and set up a payment plan of {$200.00} that was deducted automatically from my account. ( You can see these payments in my Account History on my current XXXX account ). On XX/XX/XXXX - payments were stopped. I had assumed that it was because I completed the program. I never received any correspondence, written or otherwise updating me. I then spoke with XXXX XXXX from XXXX, who then advised me that although I made payments, they did not count toward the rehabilitation program since they never received all of my documents. No one ever advised me that they did not receive them as I had faxed them ( with confirmation of fax ). XXXX advised that I would then have to restart the program. I reluctantly agreed due to not having a choice. I completed all of the paperwork again and faxed it - payments of {$450.00} were set up to be automatically taken out starting in XX/XX/XXXX XXXX These payments are confirmed in XXXX Account History ). In XX/XX/XXXX, Covid happened and I tried to see where my loans were in the process as the 9 months were complete in XXXX. Again, I had received NO correspondence from XXXX regarding my loans. I knew that all student loan payments were suspended until XXXX, but I had no idea where to look to see who was servicing my loans as it was no longer XXXX. I even searched the Federal Student Aid Website. I sent an email via their website to XXXX to see if they had it and received a typical response that they couldn't tell me if I had. Fast forward to XXXX I finally figured out that XXXX was in fact servicing my loans and they first told me they had " no idea who XXXX is '' then advised after some digging that the knew they were a collection agency and had not been servicing my loan since XX/XX/XXXX. I was then able to see in my XXXX account history that there was a " payment reversal '' for XXXX, XXXX and XX/XX/XXXX. I never received any correspondence as to why, nor could anyone from XXXX tell me why. Upon looking into my bank statements, the payments were never taken out of my account those 3 months - again, no letter/phone call stating why.
In XX/XX/XXXX, I spoke with XXXX XXXX XX/XX/XXXX XXXX of XXXX and was told that she would push it ( my account ) to be completed as I had made all of the payments. She advised me to call back in a week as that is when it should be updated in the system. When this is updated it should not be showing XXXX XXXX any longer. I have occasionally checked the system and it wasn't completed. So I called again today ( XX/XX/XXXX ) and spoke with XXXX who informed me that that was NOT TRUE and I had to go through the loan rehab program AGAIN! This is unacceptable and you can clearly see on my account history that payments were made. XXXX was a horrible loan servicer that I had before being sent to XXXX. XXXX is the reason that I am still in this mess 3 years later. I had a payment plan set up and paid all of the necessary payments ( Set up by XXXX XXXX XXXX. I had contacted them at the end and discovered that no, everything was not squared away and there was paperwork missing - NO ONE let me know any paperwork was missing, and the paperwork that was supposedly missing I had faxed TWICE! I was then informed by XXXX XXXX of XXXX that I would need to start the process all over again. I never received any correspondence from XXXX - no phone calls, no letters that they were no longer servicing my loan. I had to SEARCH MYSELF to figure out where my loans were. I also never received any correspondence from XXXX that they were now servicing my loans. I started all of this in XXXX OF XXXX! THAT IS OVER THREE - 3 YEARS AGO!!!!!
For someone who is trying to get their loans out of default and make payments, this is disgraceful that no one in within the Federal Education Department can provide accurate and helpful information. Had I known I would have to go through this again, it would have been nice for someone to tell me this 3 months ago. This will be the 3rd time of going through the rehabilitation program from no fault of my own. I want a resolution and for my account to be restored in good standing as I have done MORE than what has been asked several times over. Please help me with this.
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| 12/30/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX contacted me stating that I owe them a Debt XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account number XXXX XXXX XXXX XXXXn Dear : XXXX XXXX I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XXXX XX/XX/2022.
Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX
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| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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NOTICE AND DEMAND FOR VALIDATION PURSUANT 15 YSC 1692gb. CEASE AND DESIST PURSUANT 15 USC 1692c ( c ) FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.
You { XXXX Collections insert collection agency name here } failed to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC XXXX ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or XXXX ) We go to court and you incur lawyer fees, plus pay me Actual damages plus legal fees Sincerely, Your Name XXXX XXXX
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| 02/20/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Invalid XXXX lawsuit Compliant : Please help me.
( Reference : Federal Consent Order Against XXXX, Case XXXX : XXXX : XXXX ) I was served with a Summons to answer a complaint within 30 days after service of the summons with a General Civil and Domestic Relations Case Filing in the State Court of XXXX County, State of XXXX.
CFPB currently has an active Federal Consent Order where XXXX agreed to these and many more Enforcement terms : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations.
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation.
Stop filing false or improperly notarized legal documents : Under the terms of the proposed final judgment and the consent order, the companies are prohibited from filing false or misleading legal documents and are required to ensure all documents that require notarization are properly notarized.
This complaint filed against me is for a private student loan that I had difficulty determining what my balances where and paying back on time. I tried to reconcile balances from the lender for which they never responded ( 8 ) eight years ago. I have no idea who owns the loan, I have no idea what my true balances are. They never responded to my many written requests.
This complaint is invalid because the debt is outside the statute of limitations for the State of XXXX ( where the debt occurred ) and the State of XXXX ( my current residence for 4+ years now ). I have not made a payment in over ( 7 ) years.
The debt collecting attorney has filed false documentation by providing a transaction history list of payments that I did not make from XXXX to XXXX in an effort to persuade the court that they have justification for filing a lawsuit and to give them a judgement for wage garnishment. This document is completely false. They could not possible provide a banking transaction document that proves that I have made payments. Also, there is no clear change of ownership title. I have no idea who actually has the right to collect on my XXXX XXXX private student loan.
I don't know how an officer of the court, a licensed attorney can get away with filing fraudulent documentation to the court without being disbarred.
I read the XXXX Consent Order with XXXX where these complaints were addressed and XXXX has agreed to STOP debt collections actions via lawsuits.
However in this case they seem to be ignoring the Consent Order.
I looked up the Loan Agreement numbers listed in the Consent Order. Listed in the debt collection attorney exhibit is a sale agreement with the number XXXX XXXXXXXX, which matches and would mean that the loan they have listed is covered under the Consent Order XXXX has agreed to.
Can you contact the debt collection attorney and ask him to abide by the federal Consent Order and withdraw his complaint before XX/XX/XXXX? This is the date I would otherwise have to file a response to the complaint to the court to prevent an illegal wage garnishment.
1 ). My XXXX XXXX private student loan is outside the statute of limitations.
2 ). Documentation filed with the Summons is completely false.
3 ). I don't have a loan agreement with XXXX, I have no idea who has the right to collect on my private student loan. I don't have any documentation from the original lender stating this loan is to be paid to someone else.
Can you contact the XXXX debt collection attorney and ask him to withdraw his false court claim and to abide by the your federal Consent Order?
XXXX XXXX XXXX, XXXX.
XXXX Bar No. : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
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| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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In response to Complaint # : XXXX My name is XXXX XXXX , an agent for principal XXXX XXXX , a federally protected consumer, holder in due course, and attorney in fact and I am making this complaint against TRANSWORLD SYSTEMS , INC. for violating a cease-and-desist notice they received on XX/XX/XXXX. These abusive, deceptive and unfair debt collection practices have brought severe stress and anxiety.
I have pulled my latest credit report and I am very frustrated that this alleged debt is continuing to bring harm to me and my financial reputation. Transworld Inc. stated, We have also updated your account to reflect your request for no further communications. I am aware that pursuant 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As you should be aware, a credit report is a medium.
Transworld Systems Inc. stated, We purchased your account from XXXX XXXX on XX/XX/XXXX.
I am aware this is securities fraud. I am also aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned shall both be held liable for violations under 15 U. S. Code 1692e ( 12 ).
Transworld Systems Inc. stated, We mailed our initial letter to you advising you of your rights to dispute the account under the Fair Debt Collection Practices Act ( FDCPA ).
I never received any letter from Transworld Systems Inc. prior to them furnishing this alleged debt to my consumer report. This is a violation of 15 U.S. Code 1692d ( 4 ). XXXX XXXXXXXX XXXX has made it abundantly clear that consumer credit reports are a no debt parking zone. If Transworld Inc. can not provide me with proof that they attempted to lawfully validate this alleged debt prior to furnishing it to my consumer report, such as a tracking number or a return receipt bearing my wet signature, this has been a fraudulently furnished tradeline with forethought and malice as a means to bring harm to me and financial reputation. According to the FTC, Reporting debts first and asking questions later or not at all can land XXXX in a steaming alphabet soup of FDCPA and FCRA violations.
I have never validated this allege debt and my failure to dispute this alleged debt shall not be construed as an admission of liability pursuant 15 U.S. Code 1692g ( c ) Transworld Systems Inc. stated, As part of our investigations, we have reviewed your Line of Credit Disclosure and Account Agreement, Billing Rights, Consent for Electronic Funds, and transaction ledger including your last payment in the amount of {$2.00} made on XX/XX/XXXX.
I have never contracted with Transworld Systems Inc. so Transworld Systems Inc. has no lawful authority to be in possession of my identifying information. This is identity theft pursuant 15 U.S. Code 1681a ( q ) ( 3 ). If Transworld Systems Inc, can not provide a trilateral contract where I consented to the use of my identifying information, Transworld Systems Inc is in violation of 18 U.S. Code 1028A and shall be held criminally liable for aggravated identity theft.
Transworld Systems Inc. stated Weve also reviewed your personal documentation provided at the time the account was opened including your drivers license, XXXX XXXX XXXXXXXX Checking statement, and payroll check. We are mailing you our response and copies of your account documentation.
Transworld Systems Inc. has not provided me with any documentary evidence proving that I have any legal obligation to pay them. I would like for Transworld Systems Inc. to be aware that furnishing false and deceptive forms is a violation of 15 U.S. Code 1692j.
If Transworld Systems Inc continues these abusive, deceptive, and unfair debt collection practices, I will be forced to report them to XXXX XXXX XXXX again for unlawful extortionate activities. I am aware that a collection of an extension of credit by extortionate means is a violation of 18 U.S. Code 894 and carries a criminal liability of up to XXXX years imprisonment. I would like for Transworld Systems Inc to provide me a name and address for the bonding agent for Transworld System Inc in case a suit has to be filed in Federal Court.
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| 05/08/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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this is my old complaint from XX/XX/XXXXOUR COMPLAINT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Unlawful Debt Collection Practices and Harassment To Whom It May Concern, I am writing to you in your capacity as State Attorney General to make you aware of unscrupulous and unlawful debt collection practices by XXXX XXXX XXXX XXXX XXXX and subsequent illegal harassment through its agencies XX/XX/XXXX, XXXX & XXXX, XXXX within the State of Ohio. I am sure if these events that are happening to me, they are also happening to hundreds of other individuals who owe student loans. It is a travesty of justice and needs to be stopped. On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX ( XXXX ) XXXX, which is a Debt Consolidation Company to consolidate my student loan debt which was owed to XXXX XXXX XXXX XXXX XXXX. This was supposed to help make it manageable for me to pay. The consolidation was to be handled through XXXX XXXX and the agreement was for one payment to XXXX and they would be disperse to each of the five loans for a fee of {$50.00}. As soon as I started paying, XXXX started harassing me for payment. I was sent a harassment letter stating that they were going to sue me and garnish my wages. They were contacting my employer between XX/XX/XXXX and XX/XX/XXXX. According to the Fair debt collection practices act, they can not threaten to sue or call your employer after you inform them to not contact employer. ( 806 Harassment or Abuse of the Fair and Accurate Transaction Act ) On or about XX/XX/XXXX, at approximately XXXX XXXX a sheriff to my residence to provide me a return of service of summons. This is past the time allowed by law to serve papers. In the Court records the sheriff wrote that he served the paper at XXXX XXXX but this was an inaccurate statement as I work the third shift and was not home at that time and I have proof taken on my XXXX XXXX phone ( detail on account XXXX ) that my girlfriend took, as she was home when the papers were served. From XX/XX/XXXX, through XX/XX/XXXX, I made payments promptly and was never late. ( Statements from XXXX verifying attached ). XXXX, XXXX XXXX XXXX, the law firm representing XXXX XXXX XXXX ( XXXX ), started requesting that my wages be garnished. I was forced to obtain legal counsel ( Mr. XXXX XXXX ), to negotiate the terms and stop garnishments, even though I was never late making payments to XXXX. An agreement was reached on XX/XX/XXXX through the attorneys, and we agreed that I would pay {$120.00} per loan for five loans, or {$600.00} per month. On XX/XX/XXXX, they filed again for garnishment while I was making payments on time. The first payment under this new agreement was due on XX/XX/XXXX. Despite knowledge of the due date, XXXX, XXXX XXXX XXXX executed a wage garnishment on Plaintiff on XX/XX/XXXX, in violation of the spirit of the payment agreement. I had to go to Court to stop this illegal garnishment of my wages. On my Court date of XX/XX/XXXX, I explained to Judge XXXX that I had not missed any payments and that I was doing everything in my power to pay and could prove my payment history. Judge XXXX said that we had to negotiate terms within 10 days and get back to the courts. On the last day, XXXX XXXX, attorney with XXXX, XXXX XXXX XXXX called to negotiate terms. He admitted that the reason for garnishment was because the payments were not being applied accurately on their part, which went against the agreement. During the negotiation for payments on the phone, I stated what I would pay and asked what his counter would be. Mr. XXXX refused to negotiate with me even knowing he was in the wrong and this now put him in contempt of court. The judge called the law firm to speak with him and he received no response. I have listed the following abuses I have suffered from the illegal ATTACHMENTS Y : XXXX XXXX ( XXXX KB ) Y : XXXX XXXX ( 2.4 MB ) Y : XXXX XXXX XXXX XXXX XXXX ( 2.6 MB ) Y : XXXX XXXX ( 101.9 KB ) Y : XXXX Release.pdf ( 107.9 KB ) Y : XXXX XXXX XXXX ( 936.3 KB ) Y : XXXX & XXXX XXXX 12.2 MB ) Y : XXXX XX/XX/XXXX [ 1 ] .pdf ( 203.4 KB ) Y : XXXX & XXXX XXXX 12.2 MB ) Y : XXXX XXXX XXXX ( 443.9 KB ) Y : XXXX XXXX ( 77.2 KB ) View full complaint
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| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX I took out a Private Student Loan with XXXX that is now being serviced by XXXX XXXX XXXX, XXXX ( XXXX ). After graduating and beginning to pay my student loans, my credit score dropped considerably. I viewed an in depth XXXX report recently that revealed this student loan is being reported by XXXX to the credit bureaus as a revolving line of credit instead of an installment line of credit as a student loan should be. XXXX is reporting the " current balance '' and " beginning balance '', which results in a 93 % credit utilization score on my report as if this is an open/revolving credit account that I can still draw funds from, which like all student loans I can not and have not been able to since graduating college. They are also reporting the loan terms as " revolving '' according to XXXX. The $ XXXX loan balance is lumping in with my credit card balance of revolving/ '' bad debt '', raising my total utilization percentage, and lowering my overall credit score. I wrote the following complaint to XXXX on XX/XX/XXXX : " Good afternoon, I am writing in regards to my XXXX student loan. I am contacting you because this loan is being reporting incorrectly to the credit agencies as a line of credit instead of a student loan. This is damaging my credit score due to the fact that it is being reported with an open/current balance and a " credit limit '', which appears to be the original loan amount, which is resulting in a Credit Utilization rating of 93 % as if this was a credit card or a revolving credit account that I could still draw funds from, which it is not. I can see that XXXX is reporting in the comments section " Credit line no longer available - in repayment phase ''. I do not understand how XXXX can be reporting this as a line of credit if in fact XXXX is aware there is no credit line available at this time, and is in fact reporting this information, although only as a comment. I would therefore like someone in your credit department to contact me as soon as possible to rectify this, as it has been damaging my credit score for a great length of time now due to the fact that this $ XXXX student loan is being lumped in with credit/revolving debt and driving up both my total revolving debt balance and my total utilization percentage. I would prefer to correspond via email and can be reached at XXXX. If that is not possible, I can be reached by phone at xxx-xxx-xxxx. Thank you, xxxxx '' I received the following reply on XX/XX/XXXX : " Dear xxxxx, Thank you for contacting XXXX XXXX XXXX.
We are correctly reporting the loan as a revolving line of credit for education purposes. It is not considered an installment loan. We have requested a status letter be Emailed to you that will list : both loan ID number & number for the Line of Credit, as this is what other lenders see ; Original date of loan, original balance, current balance, amount/date of last payment and next required payment date.
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST.
Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX XXXX '' I then received the Status Letter on XX/XX/XXXX from XXXX XXXX ( information below ) that stated the following : " This letter is in reference to the Line of Credit or Private Loan through XXXX. At your request, XXXX XXXX XXXX is providing the following information on the account. '' " This loan is in repayment status. The loan # xxxx and the line of credit # xxxx are one in the same.
If you have any additional questions, please contact us at XXXX.
Sincerely, Client Relations Department XXXX XXXX XXXX, XXXX '' XXXX XXXX Administrative Support Representative XXXX XXXX XXXX XXXX, XXXX XXXX Wi XXXX XXXX I have attached the " Status Letter '' mentioned above from XXXX received on XX/XX/XXXX as well as my " XXXX report '' from XX/XX/XXXX which includes a few pages to show how the XXXX loan is being reported as well as another private student loan for comparison.
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| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I retrieved a copy of my credit report and immediately noted that Transworld Systems Inc. had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureau responded, see attached. The bureau responded that the company verified the information as correct. How so? A third-party collection company can only validate a debt. The original creditor is the only XXXX able to verify a debt. Nonetheless, Transworld Systems Inc. did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification Transworld Systems Inc. received and should have advised the bureaus at the time they allegedly validated the information, to have the bureau update the entry to disputed.
Transworld Systems Inc. did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants Transworld Systems Inc. to delete this entry. My continued efforts to remove this entry from my reports was with a direct dispute to the company. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. Transworld Systems Inc. did not provide the comprehensive account history for this account; including but not limited to all invoices, payments, notices, documents that bear my original signature.
Transworld Systems Inc. did not : Provide an agreement that states your authority to collect on this alleged debt Provide an agreement with signature of the alleged debtor wherein he/she agree to pay the creditor Provide alleged account number Provide a date this alleged debt became payable Provide the original delinquency date Verify that this debt was assigned or sold to collector Complete accounting of alleged debt Provide name and address of the bonding agent for collection agency in case legal action becomes necessary If Transworld is alleging I owe this debt, why did they not provide the agreements for levelized billing? Utility payments that are reflected on consumer credit reports must have a levelized billing agreement. Transworld did not provide this information or any information for that reason.
This entry is continuously updated each month which further diminishes my creditworthiness and has caused me to be denied credit. It is puzzling to say the least, that Transworld Systems Inc. can update a derogatory entry on my credit report but not respond to the certified disputes I have sent them and none have been returned as undeliverable. This dispute was sent out as certified mail on XX/XX/2022. ( please see attached ). Per XXXX it was delivered on XX/XX/2022. To date, Transworld has not responded, yet they continue to negligently report this inaccurate, unverifiable entry on my credit reports. The alleged address that Transworld has for this entry, I have never lived.
Transworld Systems Inc. did not furnish an agreement reflecting their authority to collect on this alleged debt in the state of Illinois. Transworld Systems Inc. did not provide a copy of all terms and conditions of the account from its alleged inception. Transworld Systems Inc. blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute, this entry should be deleted from my credit report immediately. Lastly, Transworld did not cease collection efforts as I requested and continues to report this negative entry. Transworld Systems should again, cease collection efforts and return this unverifiable, inaccurate entry to their client.
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| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX XXXX has placed a false amount into collections and now it is under review. I've checked their XXXX reviews and it worries me that I'll have trouble disputing their charges with how many other people are complaining about it. During the vehicle accident in XXXX I was hit from behind, and this resulted in a visit to the ER which was paid in full by insurance companies. My insurance XXXX covered the charges until XXXX XXXX was able to pay them that way things were still paid in full. I contacted both companies as soon as I could during the transactions and my credit is now being impacted since XXXX XXXX is saying {$66.00} is due. I have proof from my insurance along with the other how everything has been paid in full yet I've been called along with mailed a certain amount that is still " due ''. I've submitted it online and it's currently pending for a review at XXXX alliance. My Credit was in the higher XXXX range and now it's in the XXXX range due to all of this false collection amount. Nothing is due and I have all the documents to prove it. I'm trying to buy a home and credit really impacts a lot of purchases in life when trying to get different things. It's almost 3 years later this is all happening and this has happened to multiple people based off of their XXXX reviews. Proof of payment documentation was provided years ago during the XXXX insurance claim. Recently proof of the payment in full was reiterated to the company XX/XX/XXXX at XXXX AM via email- I received a confirmation email from XXXX XXXX XXXX everything is under review/pending. I just really don't want this to happen to people in the future.
Here are some extra notes from everything too : I've called and asked XXXX why are they charging me further when XXXX already reimbursed them and it seems they refuse to see that as being compensated ; they charged from XXXX XXXX XXXX cents issue date XXXX XX/XX/XXXX and XXXX paid that amount then XXXX paid XXXX another charge of XXXX dollars XXXX paid XXXX of XXXX all of it added up they paid {$2000.00} and XXXX paid XXXX cents ; if the XXXX amount that was paid was not satisfactory then this should have been submitted during the agreement to us let XXXX know. The XXXX email is who I've been in contact with making sure I input in the subject only place My claim number ; XXXX XXXX will overnight it if needing to pay something immediately.
XXXX XXXX number is XXXX There is {$66.00} dollars and XXXX cents according to XXXX XXXX that is still due but it's has already been paid according to both insurances- the CT brain scan is the payment they said thats missing ; next steps send that in with XXXX they have requested info and it says insurance payment was made ( I've already emailed this over ) ; if insurance was paid then the document needs to be sent over ; their email from the day that was sent 3-5 days updated send proof and give a call 3-5 days then uploaded my rep XXXX from XXXX she advised to double check to see if proof is on file ; double check to see if its an error on their part or whos part ; XXXX proof of payment was provide with ID number in subject line for email if requested insurance ; estimated 3-5 days pending ; XXXX is the email XXXX XXXX gave me and they responded saying they received the information yet it's still on my account.
XXXX paid up to {$2000.00} maximum that might be where the hang up is ; 3 radiology bills were paid ; 1 is copy of explanation of reimbursement ; then theyre including ledger including billing questions ; included everything paid up ; they paid up policy maximum along with copy of reimbursement ; XXXX XXXX and XXXX provided they paid this amount then they negotiated to have the payment ; then if they have any disputes the review wouldnt matter if theyre trying to dispute they can try to send requests they cant pay more after the fact of everything ; policy XXXX is the policy XXXX ; they send a copy to me and to them ; it allows for everyone to be aware of where XXXX stands XXXX
Then there's a XXXX XXXX amount showing that {$50.00} is owed?
Please help, I don't want this to be on my credit for years when it's already been paid.
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| 05/25/2019 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Fraudulent loan
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Web |
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In XX/XX/XXXX I was attending school at XXXX Community College in XXXX, MN. I was having a financially tough year so I asked a co-signor to help me take out a private loan while I was attending school. I received the loan in the spring of XX/XX/XXXX in the amount of {$20000.00}, initially from XXXX XXXX XXXX, and then sold to XXXX XXXX XXXX XXXX XXXX. Later that year I had to drop out of school due to a medical condition and I struggled the next few years to keep up on payments after my loan came out of deferment.
Over the course of a few years we were harassed by TransWorld collections and a couple other collection agencies as they changed hands. They demanded that we pay {$2500.00} down and $ XXXX monthly payments. I was a single mother of XXXX children at that time and made barely minimum wage and couldn't even afford to make ends meet regardless of this loan, so they began harassing my co-signor. We were unable to compromise with the company as they refused to take anything less than what was stated above even though we offered to pay what we could.
In XX/XX/XXXX we were served with paperwork that we were being sued. Not being experienced with this or financially able to hire an attorney, we had no clue what we were facing at court and just showed up. We lost and were socked with a judgment in the amount of {$36000.00}. Over the past 5 years we have been paying on the loan faithfully and have gotten the loan amount down to {$34000.00} and some change. I felt at that we would never get out from under this loan and they judgment meant we would never be able to own property until that loan was paid off. I wanted to get some answers as to how a loan almost doubled in the course of 5 years and what our options were to take care of this as quickly as possible. It just didn't feel right.
The summons that is currently on file with the courts states that we owed {$29000.00} in principal amount and over {$6000.00} in interest. I have asked the collection agency that we make our payments to if I could see the Master Promissory Note or original loan documents and they sent me a copy of the judgment. I called back and said that is not what I asked for and they state that they do not have either the MPN or original loan documents and didn't know who to ask.
Next I called around and was told to ask the school I was attending if they could find that information. I called XXXX and they said the only loan information they had for me was Federal loans and not for that time period. I called XXXX ( where we make our payments ) and asked them what school they had on file for that loan and they stated is was made out of XXXX XXXX College. The only time I attended XXXX was in XX/XX/XXXX to get my XXXX licensure. I called the school anyway and they said they never certified a loan for me in that year, and for that matter they never would have certified a $ XXXX loan for a years schooling, and even today their max loan amount for yearly tuition is $ XXXX.
I was then given the tip to try the courthouse and they may have original loan paperwork on file. I went to the district courthouse where the judgement was filed and began the process of looking through the file.
The first thing I saw was an Affidavit of Lost Summons and Complaint. The file states that the Summons and Complaint that was served on myself and my co-signor was lost and the Plaintiff 's staff had exhausted their search for the original paperwork. There was also supposed to be a copy of the original loan documents as exhibit A which is also missing.
I have been advised that XXXX is under scrutiny for these same practices that I described above in my case, and that all student loans made under XXXX XXXX XXXX and XXXX during a certain time period are to be audited for accuracy. Knowing this company is under a class action lawsuit for faulty and missing paperwork I would like my file reviewed as well. I believe the collection practices of this company were such as to not give us the opportunity to pay and force us into lawsuit and ultimately judgement. The pretenses of this loan were made in ill faith and I believe were predatory in nature.
|
| 09/11/2018 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't temporarily delay making payments
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Web |
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In XX/XX/XXXX, I started as a first-year XXXX XXXX. I attempted to get my loan deferred since I was enrolled XXXX. I called my loan servicer, XXXX XXXX XXXX, and asked them how to obtain a deference on the loans. They told me that in order to obtain a deference I needed to prove proof that I was enrolled in an educational program XXXX. I sent them, via email, an enrollment verification form, signed and sealed, from the school. After I sent them the form, I received an email confirmation that the form would be processed and that I would be contacted again via email once the information was processed. A month after sending the requested information, I received a letter stating that my loans were sent to collection for failure to pay. I immediately called the loan servicer and was told that there had been a glitch on their end and that they would work to fix the problem. A few weeks later my co-signer and I began to receive numerous calls and letters from a collection agency seeking payment on the student loans. I explained to the collection agency that I was a XXXX XXXX and that the loans should have been deferred back in XXXX. I again contacted the loan servicer who told me that they had no record of my previous phone call and that they were unsure as to why the loan had not been placed into deferment. It took an additional month for the company to correctly process the paperwork and place the loans into deferment. During that time I received harassing phone calls from the collection agency and various negative impacts on my credit score, dropping from XXXX to XXXX.
On XX/XX/XXXX, in order to avoid the same situation from the previous year with the loan servicer, I sent the enrollment verification prior to the school year starting. In XX/XX/XXXX I received an email stating that the loans were 30 days past due. I called the loan servicer and was told that my account manager would look into the problem and email me back within a few days. Another few weeks passed with no contact from the service but during this time I began to receive phone calls informing me that the account was now 60 days past due. I called the servicer again to check the status of the deferment and again was told that someone would correct the problem and email me back. During this time the loans continued to accrue interest and late payments. At the end of XXXX, I called back again to check the status of the deferment after receiving a phone call from the servicer looking for payments on the loans. I told the agent that as a XXXX XXXX I qualified for a deferment and had applied for one at the end of XXXX and have yet to hear anything about whether it had been processed or if there were any issues with it. He informed me that he would mark my issue as urgent and have someone look into immediately and that I should expect an update phone call within a few days. On XX/XX/XXXX after two weeks with no email or phone call from the company, I called looking for information about the deferment and an explanation for the repeated issues I was having with the company. After speaking with the customer service representative, who could not help me, I was transferred over to a supervisor. I proceeded to explain the situation to him and how the entire process had been a nightmare and how the company was causing me a lot of economic and psychological stress. The supervisor explained to me that when I had sent in the enrollment verification in XXXX I had done so too early so they could not process the deferment request. I questioned him as to why I had not been told that three months ago when I called in reference to loans and obtaining deferment originally, he had no answer. He then personally promised that he would rectify the situation and the adverse effect on my credit score by the following Friday. That Friday I received no phone call from the company. That following Monday I called the company and again I was told that they would look into my issue and mark it as urgent. This is now the sixth time that I have had to call the company in regards to obtaining a deferment.
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| 04/25/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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On XXXX I get a bill saying I owe XXXX dollars for my Perkins loans. They are a new servicer for my university. I contacted them via phone and message asking for IDR plans. Here is what I wrote : Hello. I can not afford these payments now because I am unemployed. I live in XXXX XXXX Indiana where jobs are slim to none. Unless, I work at some fast food joint. I thought I applied for that income based repayment plan and it was explained to me that that was all I have to do and my federal loan payments will be reduced. However, I have this big bill from you. Can you please help me out? I broke my phone and don't have enough money to get a new one so can you please contact me via this portal or email?
Thank you, XXXX XXXX There was no option for it and they told me it was only forbearance. All my other servicers gave me IDR plans and these are government loans so it should be available.
on XXXX I received this message back : Dear XXXX, Thank you for contacting XXXX XXXX XXXX.
As of today we are still finalizing with your lender what are the benefits avaible for this loan program, for the meantime may we advised you to download benefit form, in your portal, refer to benefit links< benefit forms. You may apply for Economic hardship, Unemployment deferment or General Forbearance, once complete you may send it to XXXX If we can be of further assistance, please call our office at XXXX.
Sincerely, Borrower Relations XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- - I didn't want forbearance because I wanted to have payments count towards the number of years I was paying on time to have some of my student loans absolved after 10 years. I wrote them back : Wait. I'm confused, I don't want to be in forbearance. I thought income based repayment plans were like as if I was making payments but my payments are just low to XXXX dollars per month based on my income. I have XXXX income so I can not pay. Can you just enter in the IBR plan? I also just recertified it just in case that helps.I can send you my last tax documents. Can you tell me what I need to do to enter the income based repayment plan? NOT forbearance?
I got the answer back : Hi XXXX XXXX, We apologize however XXXX doesn't offer income-based repayment. What we offer are Economic Hardship and Unemployment deferment which postpones payment on your loan or Forbearance which also postpones payment however interest will continue to accrue.
If we can be of further assistance, please call our office at XXXX.
Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX .
So I called them at that number and they refused to understand and put me into an IDR. I don't need to have a doubled bill while I raise children just because interest accrues. This isn't right and no other loan servicer that I have forces these options on me. The agent spoke with a supervisor and then I was told to send the form from studentloans.gov to XXXX.
All I got in return was this : Dear XXXX, Thank you for contacting XXXX XXXX XXXX.
We had informed you what are the options we had for deferment. If you want to apply for an IDR or IBR, you may apply for a consolidation. Most federal loans can be consolidated into the Federal Direct program that allows for IBR. You may visit the web site https : //studentaid.ed.govXXXX. There may be loan companies that provide consolidation of private loans and offer something similar to IBR. But please take note that consolidation is not for everyone, not everyone qualifies, and consolidation can mean the loss of some benefits from the original loan program.
If we can be of further assistance, please call our office at XXXX.
Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX .
I have no clue why they are telling me about private loans consolidation, and why I have to consolidate to apply for IDR or IBR. No other loan servicer has this issue and this company is trying to get me to do something that will ruin me even further. I need them to do this correctly and understand what they are saying. They seem to get it wrong each time I call them.
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Transworld Systems has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. The bill the company is providing is showing as a write off from Reliant energy in XXXX. However, Transworld is reporting that this was opened in XXXX XXXX they are falsely reporting information to the credit bureaus for an alleged debt not owed to Transworld systems. This is over XXXX XXXX XXXX and continues to report. I demand this debt to be removed from their system and from the credit bureaus systems immediately. They haven't been able to provide sufficient debt validation information to show they are the original creditor and the debt hasn't been validated by myself. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. According to 15USC 1692g ( collection agency ) has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to XXXX XXXX Code Sec. 393.202 the collection agency has repeatedly violated the code below by utilizing the stall tactic in their response letters without providing any validation of the alleged debt. d ) If the third-party debt collector states that there has not been sufficient time to complete an investigation, the third-party debt collector shall immediately : ( XXXX ) change the item in the relevant file as requested by the individual ; ( XXXX ) send to each person who previously received the report containing the information a notice that is equivalent to a notice under Subsection ( c ) and a copy of the changed report; and ( XXXX ) cease collection efforts. ( XXXX ) On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector may again report that information and resume collection efforts.
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| 04/19/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Please see the attachment regarding University Accounting Services, LLC. This is the servicer of student loans that XXXX XXXX somehow obtained despite the fact these loans are not loans that are legal to collect for. When I attempted to contact the ceo XXXX XXXX as well as the customer service of UAS and XXXX XXXX via email none of the parties replied. After I sent a complaint to the NY DFS and CA DFPI I received a response from UAS that states that they have not attempted to collect on my loans or sent it to a third party collection agency. However, this contradicts the phone call I received from XXXX XXXX who stated they obtained my information in XXXX of 2021 but called in XXXX of 2021, it occured after I attempted to send a NJ Bar complaint regarding the loan company Younomics former general counsel XXXX XXXX and believe it might have prompted a chain of events. For UAS to claim they have not sent my loans to a third party while XXXX XXXX has my loans is the issue. However, these are also not loans UAS is entitled to collect for and the loans should be removed altogether. In the complaint to UAS which they responded to only the NY DFS before the response the issues was and continues to be that the student loan servicer UAS sent my loans to XXXX XXXX and it is only through a voicemail from this third party collector with number that I learned about there has been any sort or collection activity, it's not just that they have not sent me any mail or emails it's that Younomics sued me and the case was dismissed and they have no right to collect, I had already disputed and removed the loans - it was illegal collection activity and behavior at the time and the case I believe was a total fraud. In sending to the third party, they did not know anything about this legal case and are proceeding as if nothing has happened. They do not have the right to have a 'fresh start ' collecting on loans they have no right to collect for, but in this clear lapse of information I am set up for even more victimization. I need for the loans to be immediately removed and I believe both Younomics and UAS link to larger crimes I am being victimized by. I would like to assure that these loans are permanently removed.Furthermore, UAS was not the party that was apparently the lost servicer of these loans. As stated in my complaint, there has been no collection activity from UAS - they have not sent me any mail, or emails for years and Younomics attempted to sue me then dismissed the case. During this time, I believe I was still being victimized and when Younomics relocated from XXXX XXXX to XXXX XXXX and XXXX XXXX XXXX was the servicer, I felt it was suspicious - hence I made another CFPB complaint. I would like the highlight the response I received from XXXX XXXX XXXX in the response to my complaint the new servicer XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) stated after our legal case was dismissed : " There is no longer any collection activity by XXXX or XXXX on Mr. XXXXXXXX XXXX Education loan held by Younomics, and therefore, the parties believe Mr. XXXX has no further claims or complaints to be addressed and consider their legal obligations in this matter complete. " This response came from XXXX XXXX XXXX, they are the new servicer of Younomics. It is not clear how UAS still is a factor, they have not sent me any sort of mail or emails from UAS in years and I also had a legal case with Younomics, and then somehow very recently they sent these loans to collections. It is not just the loans, as I describe in the UAS attachment, the issues link to larger crimes affiliated with the student loan company Younomics. In addition to the pdf I have also provided a few younomics affiliated emails, I believe they are actually hijacked emails that the targeting from corrupt law enforcement with any sort of forensic analysis that my efforts at dealing with these loans, that they actually connect to corrupt law enforcement and the service I have received is an injustice apart of this also.
|
| 05/13/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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" Debt '' {$2400.00} - was paid twice - first payment on XXXX/XXXX/XXXX over the phone ( due to XXXX system upgrade, we found out our payment was cancelled ) and second payment was made on XXXX/XXXX/XXXX ( same credit card ). In between the time - we did NOT receive any notice that this was being escalated to collections. Please see below for full history explanation XXXX XXXX unjust consumer treatment in this matter.
Background : Our medical provider submitted a prescription through our XXXX ( the mail-in pharmacy identified on our health insurance on XXXX/XXXX/XXXX. Before we could redirect the prescription to our local pharmacy ( who offered a better price ) - XXXX XXXX shipped the prescription to us without our consent. We contacted them on XXXX, XXXX, and XXXX to attempt to return the order and/or get credited for something we did not authorize. They would not concede. We received the first bill for the unauthorized shipment on XXXX/XXXX/XXXX ( Bill # XXXX ) - the bill contain no itemized list of what we were being charged for ( just a payment due ) - so we contacted XXXX on XXXX/XXXX/XXXX to request an itemized bill be sent. The women ( XXXX ) on the phone was not able to even tell us verbally over the phone what the bill was for. So she said she had to submit a request to another dept to have a paper copy of the itemized bill to our house which she claimed would arrive in 7-10 business days. We 'd already accepted we were paying for duplicate medications due to physician error - but we were not paying blindly for something XXXX could not even tell us what the bill was for. We waited until XXXX/XXXX/XXXX to contact XXXX again/follow-up on the status of the itemized bill. Once again the representative ( I did n't take their name ) told us that they could not see what the bill was for and would need to submit a request to have an itemized bill sent to our house via snail mail. We received Bill # 2 from XXXX on XXXX/XXXX/XXXX - again, with No itemization. We still had not received the itemized list promised to us on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. No one could tell us what the bill was for. So we called AGAIN on XXXX/XXXX/XXXX - and asked for a supervisor. We received the same message - we ca n't tell you what the bill is for - need to submit to other dept to mail you copy. We FINALLY received a copy of the itemized bill ( telling us what we were actually paying for ) on XXXX/XXXX/XXXX. We needed to clarify a few of the prescriptions listed on the itemized bill with my dr ( as XXXX was a prescription I was XXXX/would never have been prescribed ). And we called XXXX ( yes, 7 calls later ) on XXXX/XXXX/XXXX to clarify the prescription they sent was different then listed on the itemized bill and to PAY the bill. We provided a credit card number - they said they would process it and we thought everything was done. Between XXXX/XXXX/XXXX ( non-itemized Bill # 2 ) and XXXX/XXXX/XXXX we did NOT receive any additional bills NOR did we receive any notice that this was being escalated to collections. The first indication we received that this was sitting with collections firm " transworld systems '' was when I received a call ( without providing my name or the name of the company they were calling on behalf of ) this week on XXXX/XXXX/XXXX. In my gut I knew this was XXXX incompetence - so immediately contacted them to see what the issue was ( since we had paid them over the phone on XXXX/XXXX/XXXX ). The women we spoke with was very apologetic saying that they had just upgraded systems in XX/XX/XXXX - XX/XX/XXXX and were still having issues. It looked like the system canceled our payment. So we paid AGAIN on XX/XX/XXXX - this time checking our credit card to ensure. As of XXXX/XXXX/XXXX - I 'm still receiving harassing, nondescript, phone messages from TWS including a letter in the mail today - XXXX/XXXX/XXXX. I have always had extremely good credit and am concerned this awful experience will tarnish that credit. Please help
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| 06/24/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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My address is XXXX XXXX XXXX XXXX, Georgia XXXX. They are attempting to collect a debt on a fraudulent account and a fraudulent address. It is my third time writing a letter to this company. I recently conducted a review of my credit report, and I noticed Transworld System Inc and they are violating the law. Please help me to get them to validate the debt. It is not MINE, it is FRAUDULENT!
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : Transworld System Inc # # # # # # XXXX Please provide me with : 1. What the money you say I owe is for.
2. A detailed explanation of how you calculated what you say I owe.
3. Copies of any and all papers that prove I agreed to pay what you say I owe.
4. A verification or copy of any judgment, if applicable.
5. The identity, name, and address of the original creditor.
6. Proof that the Statute of Limitations has not expired on this account.
7. Proof that you are licensed to collect in my state.
8. Your license numbers and Registered Agent or Agent of Service.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus XXXX XXXX XXXX and XXXX ) request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 12/04/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I unfortunately had to take out two separate private student loans while I was in XXXX school, upon completion I then did a consolidation loan. The loan has since been transferred numerous times, the current servicer is University Accounting Service. The loan was under XXXX XXXX XXXX XXXX, but between my XXXX and XXXX payments it was transferred to GS2 Grantor Trust 2019-A, still with UAS managing it. My loan has a due date of the XXXX and has been on automatic draft since the beginning. In the last month and a half I feel this company has handled my account in an illegal and fraudulent manner.
XXXX XXXX authorized monthly payment posted on my bank account XXXX XXXX UNAUTHORIZED payment posted on my bank account -Called to question the second draft, I was told the 2nd draft would be used for my XXXX payment.
XXXX XXXX statement principal balance of {$18000.00} XXXX XXXX Late Fee posted on my account ( how when my bank account was drafted not once but twice!?!?!? ) XXXX XXXX monthly payment posted on my bank account -Called the same day and requested the XXXX XXXX payment to be applied to my principal balance since they failed to do what had been previously stated XXXX XXXX called to check on status of request, no response from accounting department and nothing in their records showing a double draft occurred in XXXX. Sent an email showing proof from my bank records.
XXXX XXXX statement principal balance of {$18000.00} XXXX XXXX called and still no response from accounting department so I called my bank to report the unauthorized draft and by the end of the day my bank had posted a credit to my bank account and placed a stop payment on UAS -XXXX XXXX signed onto UAS see both the XXXX and GS2 accounts listed which was reflecting an original loan double the actual amount, balances on both, past due balances, incorrect total balance and amount due, and an increase on my GS2 principal balance to {$18000.00} -XXXX XXXX signed onto UAS all figures had changed, another late fee had been posted, a returned check fee had been posted, and the GS2 principal balance had increased again to {$18000.00}.
XXXX XXXX signed onto UAS figures had again changed and both accounts are still being shown XXXX XXXX called, they stated my XXXX payment was returned, attempted to correct them in that it was the XXXX XXXX payment that was returned, but still no acknowledgement of two XXXX payments XXXX XXXX called, I was again told that my XXXX payment had been returned but the second XXXX payment ( first time it had been acknowledged ) had been applied to my principal balance. I then had to explain how that was absolutely not true. After a long hold the representative came back and said " unfortunately you are correct '', and stated he had sent a message to the accounting department to try to correct their mistakes. Received an email stating my account had been adjusted and made current and the duplicate XXXX payment was applied to the XXXX payment. I signed on to verify only to find my current amount due had decreased but my total balance had increased and my principal balance had again increased now to {$18000.00}. How is that possible if they had just applied a payment????
This company clearly has proven themselves incompetent, untrustworthy, and incapable of handling this loan. The person you speak to has no ability to do anything, they can only send messages to account specialists and the accounting department. I have asked to speak directly to an account specialist but was told that isn't possible. They tried to steal money from me, every time I check my account the values on my loan change, and my principal balance keeps increasing. I have worked hard to manage my money and accounts and have earned excellent credit and I do not want their mistakes to negatively impact that. I feel I have allowed them ample time to resolve these issues. Their gross mishandling of my account is unacceptable and inexcusable.
|
| 09/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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Original complain to XXXX XXXX, once the complaint was file on XXXX XXXX XXXX XXXX file was transferred to a company according to the letter they summited with CFPB portal on XX/XX/XXXX seams to me this companies are backdating documents to commit fraud according to TSI a copy of a Bill is proof of the debt and the letter they send NO NAME OR SIGNATURE by anyone Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g.
Please send me a certified copy of your license to collect a debt in California. If you purchased this as a debt collections device to make money as a debt collector, you have 30 day to remove any and all unlawful on my credit report. Failure to respond in is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violations.
This is the Original complain to XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from XXXX XXXX XXXX in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, XXXX XXXX XXXX is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 3. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 4. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from XXXX XXXX XXXX as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Transworld systems had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who Transworld Systems.
|
| 04/29/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
Servicemember |
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XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) contacted me on behalf of XXXX a private student loan. I asked for loan documentation amount, loan guarantor written correspondence address and current payment proof. This was due to the fact that my loan was moved to a collection agency while making payments as agreed an the amount agreed between XXXX and myself. I was denied information and told that XXXX was hired to collect he funds and my only option was to pay them. They had no information regarding my loans and failed to produce any legitimate information from XXXX. The payment options given were to get a second mortgage on my home, cash out my retirement account, defer other payments to pay them a lump sum, ask a family member or a friend for the lump sum, if I had friends. I was called a liar, yelled at and accused of not wanted to pay the debt, although XXXX produced no information from XXXX and the account numbers printed on the original documents were not any account numbers that I had. As a result, I asked XXXX to stop calling me because I did not agree with the yelling and constant phone calls but I was told that I couldn't tell them to stop calling and that they were going to do what they were hired to do and if I didn't pay them, they would garnish my wages and military pay.
XX/XX/XXXX I blocked their number to stop the calls but still didn't receive any documentation in the mail to validate the debt. In retaliation to me blocking their number, XXXX XXXX called several public numbers for XXXX XXXX XXXX XXXX asking if I worked in the office. She posed as a worker from XXXX XXXX asking if XXXX XXXX had ordered a shower rod to be delivered to the base. As this was strange for me to do such a thing, my superiors called me and informed me that someone was calling around base asking for me, requesting numbers and email to contact me regarding my shower rod. When the person they spoke with refused to give them my information, they were asked to, tell me to call XXXX, XXXX.
XX/XX/XXXX XXXX XXXX continued to call XXXX XXXX XXXX XXXX seeking information about me and I was informed that she called everyday, multiple times a day. Although, she was informed that I was not in the office and everyone refused to give out my personal information. When I arrived at the base later that month, I received all the messages and contacted the XXXX XXXX number and asked to speak to XXXX XXXX . I spoke to XXXX XXXX instead who denied my number being in their system and could not provide any information but did confirm that XXXX XXXX was an employee there but would not allow me to leave a message since she couldn't find anything on me in her system. A few days later XXXX XXXX at ext XXXX called my father at XXXX to locate me and or a payment. My father asked what was the bill in reference too and XXXX stated that I should know who I owe and needed to contact them before the end of the day. Due to the strange interaction, my father did not give out my information and asked her to mail out whatever, she needed to contact me about. However, once again nothing was mailed out regarding the debt. My father was then contacted by XXXX nearly every hour of the day for over 2 weeks Monday thru Saturday. He was told to cash in his retirement savings to pay off the loan and be at risk for other legal actions that would prevent him from having options later. As a result, he asked them to stop calling him and they refused, so he just stopped answering the phone. I called and tried to speak to XXXX XXXX once again but was told that anyone could help me if I wanted to make a payment and I was given their address if I wanted to request additional information on the debt but they were not sending out anything extra than the letters I have already received. I was information that the letters they mailed out had a mailing address for payments and that was all I needed to move forward with the collection.
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The collection agency is Transworld. When they first contacted me in XX/XX/2022, I had requested validation of debt since I had not received any notices from them prior to that call. I had spoken with XXXX XXXX at Transworld on XXXX and I had advised her that I had not yet received validation of debt despite the fact that I had requested it when Transworld first spoke with me. She told me that she would send it. I received another call from Transworld after I had spoken with XXXX XXXX. XXXX is the representative that I spoke with on XX/XX/2022. I advised her that they keep calling me but that I had requested again the validation of debt on XX/XX/2022. She stated that they had sent validation of debt after they first spoke with me. I told her that I had never received it which is why I wound up calling them on XX/XX/2022 and requesting it again. I asked her to confirm information as to what address they mailed it to. She stated that on XX/XX/2022 and XX/XX/2022 they sent the information to a different address. I asked why was notice sent to a different address than the one that I had supplied to them during our first call. She said that on XX/XX/2022 it was then mailed to the correct address which I told her that the one they mailed on XX/XX/2022 is the one that I had requested during my XX/XX/2022 call with XXXX XXXX. I asked XXXX to connect me with a supervisor as they wound up reporting this to the credit bureau on XX/XX/2022 which is before I had even received any validation of debt. She wound up connecting me with XXXX XXXX XXXX on that day. I gave him a rundown on my conversations with Transworld and I also told him that the account should not have been reported to the credit bureaus before any validation of debt was received and, in this case, they were sending to the wrong address. I told him that XXXX told me that a couple of the notices were sent to a different address. I told him that because I was attempting to get validation of debt and despite the fact that they had mailed to the wrong address in the beginning, I requested that they remove the account from the bureaus pending investigation. I had asked him to review all of the calls between them and myself, as I the calls are recorded. He said they could have the bureaus add a dispute status. I insisted no, they should remove the reporting pending outcome of their investigation since this was reported one day after XXXX XXXX had mailed the information. I was waiting for the validation of debt. He was supposed to review since in this case, it was not my fault at all that the notices were not received until after. He told me that once he completed reviewing, he would reach out to me. He never did so I wound up calling him again on XX/XX/2022 and I gave him a rundown of the activity on this account once again to refresh his memory. I again mentioned that the account should be removed pending their investigation. During that call, he did mention that this type of circumstance would warrant a removal due to the situation, but he was going over something and not saying it to me directly. He was supposed to review and call me back. I wind up calling him again on XX/XX/2022 and I left a message on his voicemail. To date, this account remains on my credit report as he did not follow through. I need this removed from my credit file so that I can move forward to resolve this issue. Had he pulled the call records and actually reviewed, he would have discovered that the information that I had been supplying is correct on my end. My credit score went down significantly due to their error. They sent me a letter dated XX/XX/2022 stating that they have already investigated and responded to a dispute on XX/XX/2022 and stated that they would continue to report to the credit bureau. They never resolved this issue with me, nor had I received any notification from XX/XX/2022. Please refer to phone calls made.
|
| 02/11/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I believe I am subjected to aggressive billing and collection practices after receiving treatment at a non-profit hospital ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Ga ). I was denied by the billing department when I requested a copy of their information on their financial assistance and billing and collection policies ( XXXX/XXXX/XXXX ). The following is a copy of a letter I mailed to the collection agency ( TRANSWORLD SYSTEMS , INC, COLLECTION AGENCY ) : I am demanding that the debt of {$83.00} be removed immediately from my account and that no adverse credit reporting be made to my credit report. In addition, I am requesting in writing that a letter be mailed to me to the above address that this invalid debt, ( 1 ) is taken out of collection, and ( 2 ) that this debt be eliminated from my credit report. The reasons that this action should occur immediately is because ( a ) XXXX XXXX XXXX XXXX used aggressive collection practices to collect a debt that ( 1 ) by XXXX XXXX XXXX XXXX XXXX that once Medicare approved the services, then XXXX should have paid for the remaining services, and ( XXXX ) XXXX XXXX XXXX billing should have contacted XXXX to verify what the {$83.00} debt was for. The debt was not a deductible as XXXX in billing at XXXX XXXX XXXX explained to me ; the charges were for facility usage charges. In addition, the billing department should have been clear of what the XXXX bill was for ( i.e. deductible or facility charges ) and therefore because there is a failure on XXXX XXXX ' billing to find out the nature of the medical claim charges, this invalid debt was placed in collection.
A second claim was submitted by XXXX XXXX XXXX for a medical claim adjustment XXXX for charges of {$1400.00} ( i.e. the first claim was submitted on XXXX/XXXX/XXXX for {$1000.00} ). Therefore, XXXX thought I had XXXX colonoscopy procedures. In addition, as is stated in my first priority mail letter ( i.e. XXXX XXXX in XXXX, PA and to XXXX XXXX XXXX XXXX, XXXX, dated XXXX/XXXX/XXXX ), I was never given the opportunity to ( a ) be offered financial assistance, ( b ) nor a payment plan. In addition, if a letter was sent out ( c ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( i.e. mail notifications were never received ) ( i.e. mail is known to get misplaced or lost around the Holiday Season ) then why is this debt sent to collection in 60 days. I received on XXXX/XXXX/XXXX a letter from XXXX XXXX stating that that this was the FINAL NOTICE dated XXXX/XXXX/XXXX but yet I have a contradictory letter from TRANSWORLD collections that the debt was placed in collection on XXXX/XXXX/XXXX. This is unfair aggressive billing practices by XXXX XXXX XXXX XXXX and must by law be removed immediately. Finally, per a telephone call on today ( i.e. XXXX/XXXX/XXXX ) to a XXXX the claim specialist ( a ) will be mailing out an adjustment check in a couple of days for {$83.00} cents to XXXX XXXX XXXX ( i.e. XXXX responsibility per their claim and billing policies ). Therefore, because this is an invalid debt, ( a ) and it never stated on the bill the exact nature of the services ( i.e. XXXX in billing said it was for a deductible, ) ( b ) the billing department failed to do due diligence because once they were aware that it was a facility charges then, ( c ) XXXX XXXX should have pursued XXXX, ( d ) and therefore this invalid debt should have never been sent to collections. In addition, I was never given an opportunity to be offered ( 1 ) a payment plan, ( 2 ) financial assistance, ( 3 ) or a statement of their financial assistance and billing collection policies ( i.e. requested a copy but XXXX stated that did not have such policies? More importantly after talking with XXXX who agreed to pay the bill and I informed XXXX at XXXX XXXX that this was an invalis debt, ( a ) she lacked due diligence by not following up with XXXX and ( b ) to take the invalid debt out of collections.
|
| 09/10/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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I attended the University of XXXX Florida from XX/XX/XXXX-XX/XX/XXXX. During that time, I had a small loan. I previously paid my loan payments to a company called XXXX. XXXX is now being called XXXX.
My payments are due on the XX/XX/XXXX of each month. Each month I log onto XXXX 's website and make my payment. On XX/XX/2018, I logged onto XXXX 's website and made my XX/XX/2018 payment. I received a confirmation email from XXXX with the following confirmation number : XXXX.
On XX/XX/2018, I noticed the payment had not drafted from my bank account so I attempted to login to the website. The website no longer recognized my logins, nor did it recognize my SSN any longer. I attempted to call Conduent during the business hours stated on their website, which are listed as M-F XXXX XXXX until XXXX XXXX EST. Although I called during normal business hours ( XXXX XXXX EST ), I was unable to reach a representative. The phone message said the company 's business hours are only until XXXX XXXX EST despite what the published hours indicate.
On XX/XX/2018, I called the company. I received a message advising me I was being transferred to a representative each time I entered my SSN into the phone system to access my account, but upon being transferred I would receive a message that the number I was transferred to was no longer in service. I finally decided to call the collections department, which was the only number that seemed to work.
I spoke with XXXX in Collections at XXXX. XXXX stated she was unable to find my loan and transferred me to another department. I then spoke with XXXX. XXXX stated she was only able to find a loan for an old paid in full account. XXXX transferred me back to XXXX. XXXX conducted research and again stated that she could not locate any records regarding my loan. I read her the confirmation email I received, and she confirmed it came from them but noted there were no records of the loan in their system. XXXX then transferred me to XXXX. XXXX informed me that my loan was transferred on XX/XX/2018 to a company called XXXX. According to XXXX, I would need to call XXXX for information on my loan. I asked XXXX about the payment that I made prior to the transfer, which was received by XXXX based on the email. XXXX said XXXX would not have processed the payment since the loan was transferring. I never received ANY notification from XXXX that they were rejecting/not processing my payment.
I called XXXX after speaking with XXXX. I spoke with XXXX at XXXX. XXXX confirmed that my loan transferred to their company, however he said that they have no way of seeing anything about the loan or accepting any payments because I am not in their system yet. I repeatedly asked who and how I was supposed to pay given that Conduent no longer holds my loan and UAS doesn't have me in their system yet. XXXX said I will not be able to make a payment until XX/XX/2018 or later because I will not be in their system until sometime after that date. I asked how to get a payment to them now, noting I am now late on my payment because they did not apply the payment sent to XXXX. XXXX said the only way to make a payment is to mail a check, but he noted it would not be applied because there isn't an account to apply it to. I asked how they would know what account to apply the check to if I don't even have an account yet and I'm not in the system. XXXX stated to just " put your name '' on the check.
At this time, I paid my student loan timely yet I am now in default because neither lender can and/or will process the payment. It is unacceptable that XXXX did not notify me that it was rejecting the payment after it received the payment. It is unacceptable that XXXX has my loan but does not have me in their system so I can not make a payment to them until weeks AFTER my payment due date. It is unacceptable that I am now in default due to this situation.
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On XX/XX/XXXX Transworld Systems Inc. closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX Transworld Systems Inc. placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. TRANSWORLD SYSTEMS has also violated the Fair Credit Reporting Act and Fair Debt Collections Practices Act as well by re-aging the alleged debt in the amount of {$700.00}. The print out of the bill TransWorld Systems INC has sent to me several times in the past several months to validate this alleged debt is dated for XX/XX/XXXX. This goes against the date the account displays it was opened on my credit file for XX/XX/XXXX. Also the amount that TRANSWORLD SYSTEMS INC claims I need to pay them is different from the amount displayed on the print out of the bill they have sent me as well. The amount displayed on my credit file is for amount of {$700.00} but the bill they have sent me displays {$700.00} If the Consumer Financial Protection Bureau and XXXX will take a look at the printout of the bill that was sent to me by Transworld Systems which dated XX/XX/XXXX and look at the date opened on my credit file which displays XX/XX/XXXX you can clearly see that this alleged debt has been re-aged for almost two years since ive been disputing this alleged debt. Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The latest dispute letter I received from Transworld Systems was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. Every time a dispute letter was sent, Transworld Systems constantly sent me a copy of a bill from Arizona Public Service which they are using for their METHOD OF VERIFICATION. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. As of current, Ive only gotten responses back from the dispute letter Ive sent to Transworld Systems, XXXX stating that the debt was valid. As of XX/XX/XXXX, Ive not yet heard back from Transworld Systems Stating how and why the debt was valid with no method of verification. Since the debt was last disputed on XX/XX/XXXX, Transworld Systems has again willfully violated the FRCA by not responding to my dispute. Transworld Systems Inc has not responded within the required 15 day deadline of sending me their METHOD OF VERIFICATION. Not only have they not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. I have previously reached out to Transworld Systems Inc. several times with all required documentation concerning this alleged debt. I have asked Transworld Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. This is the Information that the credit bureaus are supposed to store in their database on every consumer. As well as 609 ( c ) ( E ) As of XX/XX/XXXX Transworld Systems Inc is still reporting all negative Information about this alleged debt to my XXXX credit File. I am asking the Consumer Financial Protection Bureau to investigate the non compliance from Transworld Systems and the non compliance from XXXX from the disputes that I have submitted here today. I would like to add that since my last dispute on XX/XX/XXXX Transworld Systems INC has yet to respond back to be which is another violation of the Fair Credit Reporting Act.
|
| 04/07/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
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I have had an account with Transworld systems inc for years now to pay off my XXXX school loan and since the beginning have had nothing but a terrible experience. First of all, I 'm a XXXX, I do not make an hourly and when my account was open at XXXX years old - I did n't hAve the means to pay a XXXX $ debt over night. You 'd think they 'd have some compassion for a child, on her own working to take care of herself. No. From the beginning people were incorrectly charging me ( double charged me twice in a row ) and although they fixed it when I caught the double charges they never truly stayed on top of my account as they promised they would. Since then, we 've had tons of issues all due to miscommunication with the company. The number I 'd call to for schedualing my year round payments ( from there mailing letters ) was wrong and took me to a company who stated, " this happens a lot I 'm not sure why they have n't released a new number but we 'll email them to let them know you 've tried to get in contact. '' That company emailed them a total of three times for me. It took me months to Figure out how to get in contact with them to renew my year of payments ( since the pryer year was up and you can only book a years worth of payments at a time ) and when I finally did they said I accumulated more interest from the months of me not paying ( when they were literally no where to be found it took the old company emailing them and hunting them down to get a number for me to call ). So I bit the bullet, higher the amount I was paying a month to show initiative and kept making my payments on time as usual. For months now I 've been trying to pay my account in full to close the account at an attempt to settle. When I first tried I only owed about 2800 $ but they insisted I pay double that in interest plus my tuition left from the school loan. Of course I could n't afford that, so i paid my monthly amount instead. The second time I called because I notice my balance was getting higher not lower, they said it 's the interest and said if I paid in full they could waive it, at the time I was switching job and was n't able to pay the XXXX $ they said I 'd have to, so again I just made my monthly payment. All the while I was working with the same man, XXXX XXXX, with these settlements. So, using the number I had been calling for months, I tried again to see if my balance had lowered so I could pay in full and close the account. Teds number was n't working. That to me was very shady since I had already spoke to a lawyer who told me it was ridiculous they were n't trying to make a settlement with me since their job is to close the account and was I sure this was a legit debt collecter. I immediately called again and spoke to two reps and a " supervisor '' who just so happen " did n't have the authority to make any calls on accounts '', which I 'm sure was actually just a receptionist because obviously supervisors have authority to do such things. He sent me to about three different voicemails, all of which I left messages on. As a matter of fact, I 've probably left about XXXX messages in total this week alone all through out the company trying to speak with someone who would authorize me paying my now balance of XXXX. The " supervisor '' said I 'd have to pay XXXX , how could that be? What is my insterest at 40 %? How 's my interest more than the amount I owe? And how is the number larger than it was before now after I 've paid more into the loan? That 's when it hit me, they WANT me to stay on payment plans so that the interest accumulates and I 'm forced to continuing paying monthly for years which they make money on. I 'm so beyond tried with working with this shady, incompetent staff, tossing me from person to person, lying, not knowing anything about my account and taking advantage of a young girl trying to pay of her debt!
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| 02/02/2017 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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Transworld Systems is in violation of the Fair Debt Collection Act, the Fair Credit Billing Act and the Telephone Consumer Protection Act. Thus, I am entitled to seek damages and remedy for these violations explained below.
I found out about this account in XXXX of XXXX after calling my medical provider to receive a routine medical treatment. I was told by the provider that I owed a balance and was given Transworld 's contact info as the collection agency that had my account. I never received a bill or any notice that I owed money to this collection agency, nor did I know that my account was in collections prior to contacting the provider.
After contacting Transworld, I stated that I would not be paying the alleged balance owed, that I was in the process of appealing this amount with the provider and insurance agency, and that I would not like any more phone calls until I investigated the matter and that I would follow up. I kept receiving phone calls from different numbers from Transworld, XXXX per day. After a few days, I answered the phone and told the representative that I was still in the process of investigating the medical charges and that I would not like any further calls until I called Transworld back. At this point, the representative took heed and the calls stopped. I spoke with the medical provider and sent another appeal to the insurance agency.
On XXXX XXXX, XXXX, I called Transworld to update your records about the alleged account. I told the representative, XXXX, that I never received a bill from the company and asked when Transworld received my medical bill to determine where I fell in the XXXX window that is now afforded to consumers to investigate arbitrary medical charges before their delinquent accounts are reported to the major credit reporting agencies. XXXX, admitted that Transworld received mail back as return to sender that was allegedly sent to my home address. XXXX also told me that Transworld received my account in XXXX XXXX.
I expressed my concern to XXXX about Transworld 's violation of the Fair Debt Collection Act, the Fair Credit Billing Act and the Telephone Consumer Protection Act by continuing to call me, repeatedly after I asked not to be called until I finished my investigation of the alleged charges, and by failing to send me any notice of what I was being owed and what exact services I was being charged for. I asked XXXX if Transworld had any internal procedures to deal with this sort of situation before I reached out to other entities to express my concern and she became very offensive. She began to speak to me rudely and harshly, she continued to speak over me and cut me off, and she told me " do whatever I have to do. '' XXXX also threatened me by stating that Transworld would be reporting my account to the credit reporting agencies right away, despite the recent agreement to withhold such reporting 180 days from the date of receipt. XXXX also forecasted that I would not have this bill paid by the insurance company and urged me to set up a payment arrangement prior to completing my dispute investigation and receiving my appeal decision.
Next, XXXX placed me on hold with no indication for approximately XXXX XXXX minutes and came back to the phone explaining that she was waiting for a manager to come to the phone. She then told me that I had the option of continuing to wait or having a manager call me back. I told XXXX that I would like a manager to call me back and asked for her name. XXXX was very reluctant to give me her name, ID number, or any other identifier other than her first name and assured me that those in the company would be able to identify her. XXXX then told me that I did not have the option to have a manager to call me back and it was best that I call back tomorrow, go through the entire process over and try to
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| 07/10/2015 |
Yes |
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- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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To whom it may concern, I have leased a vehicle from XXXX XXXX until XXXX XXXX from an auto leasing corp. I paid for the rental with my credit card. The credit card guarantees auto insurance in case of damage to the vehicle.
I returned the vehicle on XXXX XXXX and they found a dent on the fender. As a responsible citizen trying to do the right thing, I filled out the damage report. I contacted my credit card who opened a case and subsequently a claim for me. Card benefit services sent me a list of documents needed from the auto rental corporation, and the damage recovery unit sent over some of the required documents. Card benefit services acknowledged receiving the documents and requested the rest of the documents be sent.
The damage recovery unit put a representative in charge of my case, whom I have tried to contact both through phone and email on numerous occasions, which is documented in the attached files. He has yet to communicate with me regarding the " debt '', despite my efforts to reach him.
I have requested repeatedly from the damage recovery unit to receive the documents needed in order for my credit card to process my claim. Some of these calls and E-mails are in the attached files. Though I was never successful to speak to the recovery specialist in charge of my case, ( he was repeatedly out of town or out of the office, despite the assurance that I can contact him directly at any time ), I was able to speak to several other representatives, who guaranteed that my documents would be sent to the credit card company. As of today XXXX/XXXX/2015, it has not been sent.
I was sent a demand letter on XXXX/XXXX/2015 from the recovery specialist in charge of my case with a ten days ' notice to repay my debt before my case will be handed over to a collection agency ( see attached Demand E-mail file ). I am in the process of applying for a unit in the XXXX that requires top security clearance, and unsatisfactory credit will disqualify me from being accepted into the unit. I E-mailed them back on XXXX/XXXX/2015 ( see attached response to Demand E-mail file ). I did not receive a response so I called the damage recovery unit on XXXX/XXXX/2015 I demanded to speak to the specialist who signed the demand letter, but was told it is not possible. I did speak to a different specialist who guaranteed me, that the documents would be sent over. She also told me to disregard the demand letter ( see " told to disregard the demand letter '' recording ( XXXX ) ).
On XXXX/XXXX/2015, seven days after receiving the demand letter, I received a letter from a collection agency, although the damage recovery unit guaranteed me XXXX days in the demand letter. ( See attached " Transmittal demand Letter '' file, and " Demand E-mail '' file ). This means my credit was negatively affected, concurrently affecting my acceptance into the XXXX unit I am actively trying to join.
I contacted the damage recovery unit on XXXX/XXXX/2015, and was once again not able to speak to the representative charged with my case. The representative I spoke with admitted that the situation I am in is due to their incompetence, but still refused to cancel the debt with the collection agency, even though it will damage my credit ( see " final conversation with damage recovery unit '' recording ( XXXX until end ) ).
As of XXXX/XXXX/2015 they still did not send the necessary documents to the card benefit services, who still have an open claim on my behalf. ( see " letter from benefit services '' file, " benefit services not received necessary documents '' recording ).
I will contact a lawyer and file a lawsuit if this matter is not resolved, as their misconduct will disqualify me from the XXXX unit that has been my lifelong dream to join. The mental anguish it will cause me is not something I can describe in this letter.
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| 12/31/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Need information about my balance/terms
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Web |
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I went to school at the University XXXX - XXXX XXXX, and I am filing a complaint about my private student loans, which were previously serviced by XXXX XXXX XXXX, for one main reason. The collector they were passed onto will not make contact or provide any documentation as to what I owe, and I have waited for over a year for a response. My parents, who were cosigners, filed bankruptcy last year ( XX/XX/XXXX ). I had never missed a payment and had automatic withdrawal set up on these loans. These XXXX private loans then automatically went into default on XX/XX/XXXX. I did not know this happened. No one contacted me via phone, via email, or via snail mail. Not XXXX. Not the new company that supposedly now owns my loans : NCO financial. After a few months I noticed my payments were not being withdrawn, so XX/XX/XXXX I called XXXX and they explained the situation and provided me with a contact number : XXXX. To this day, more than a year later, I have not received a single confirmation from XXXX or NCO in writing as to who is in control of my loan, what I need to pay, how much was defaulted on, etc. Absolutely nothing.
I tried calling this number for NCO more than 20 times over many days, leaving numerous messages, but never received a call back despite the inbox saying they would. Most times the number would not ring or would disconnect before the voicemail could pick up, and no one seemed to monitor the voicemail box. I waited another period of time, and then tried to make contact again later in the year. Finally, I spoke to someone ( I 'm guessing around XX/XX/XXXX ) -- because they actually answered the phone. They explained that my parents bankruptcy was waiting to process ( it had been done since XX/XX/XXXX, according to what my parents told me ), and that I should just be patient and they would make contact soon to set up arrangements.
Flash forward to today, XX/XX/XXXX, and I am still waiting. Again I tried making calls throughout the week, and once again, the NCO number listed above did not work over the course of several days at all. It would n't even ring. So I called NCO Group at a number I found : XXXX ( XXXX ) XXXX. The man was pleasant, but redirected me to the old XXXX number. Once again, that number did not work. I called NCO Group again and spoke to a lady. She took my social security number once I explained I had no account number because no one had ever made any contact whatsoever about the money that I owe and I had no documentation. She told me that NCO has no record of managing my student loans that is now supposedly in collections. I asked her several times, but she insisted. I then called XXXX, and spoke to numerous people there, and they told me I had to speak to the Department of Education, which could track down my loans, even though they were private. I called the DOE number provided and spoke to someone there. She insisted that she could only help with federal loans and that private ones were not in the database she logged into.
Today, I tried calling the original number again, and I got through to the same voicemail I 'd left messages on almost a year ago, but it is full so unsurprisingly I can not leave another message. All I want is some documented proof of who I owe what to, how much, and if any interest or fees are accruing. I have been waiting for over a year for this issue to be resolved ( after never having missed a payment on my loans ), and I find it absurd that no one will just send a letter, outlining my obligations. I 'm also quite concerned from what I 've read that excess fees and other charges can be accumulating despite my payment history and my efforts for someone, anyone, to just tell me what the heck is going on.
Thanks for taking the time to read this long message. I hope I 've described my utter frustration adequately.
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| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
Servicemember |
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I XXXX from XX/XX/XXXX - XX/XX/XXXX. 23 years ago, as a XXXX XXXX in XXXX and XXXX, I opened an account with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). After paying the balance in full in XX/XX/XXXX, I closed the account and made no additional purchases. I eventually left the XXXX in XX/XX/XXXX and subsequently took up residences in XXXX, XXXX, XXXX and now XXXX.
I bought my current home in XX/XX/XXXX. When applying for this mortgage, my credit report had a clear record, without any delinquencies.
On XX/XX/XXXX, I received a certified letter from XXXX 's collection agency Transworld Systems Inc. ( TSI ) that provided notice of a wage garnishment to be applied due to outstanding debt to the federal government of more than {$2000.00}. I had no previous knowledge of these charges and began to investigate.
After many phone calls, emails, letters and reviews of credit report information, I was able to ascertain that sometime in XX/XX/XXXX, XXXX allowed this 20-year closed/dormant account to be re-activated and permitted someone to charge over {$2000.00} using my temporary XXXX address from XX/XX/XXXX.
The following timeline and facts apply : On XXXX XXXX XXXX, I received a certified letter from XXXX/Transworld Systems Inc. ( TSI ), that advised me of a Notice of Intent to initiate administrative wage garnishment proceedings. The action stemmed from an apparent XXXX debt. ( ATTACHED ) On XX/XX/XXXX, I called XXXX and collected as much information as they would tell me. From this call I learned the charges occurred in XX/XX/XXXX against an account that had been closed/dormant for 20 years. XXXX advised the issue was now being handled by their collection agency, TSI. On this same day, I emailed a request to XX/XX/XXXX/TS requesting a fraud investigation into this matter.
On XXXX XXXX XXXX, I received a letter from TSI acknowledging my fraud allegation and requesting additional information from me to support my claim, to include a police report, XXXX forms of ID, XXXX copies of signatures, and affidavit of forgery.
On XXXX XXXX XXXX, I received an email from TSI indicating Proof of Debt was requested from XXXX. This TSI email stated " The garnishment order will remain on hold to afford you time to review all documents provided. '' ( ATTACHED ) On XXXX XXXX XXXX, I received the XXXX Proof of Debt. This information was limited to partial account statements but failed to indicate what products were ordered, when they were ordered and where they were delivered.
On XXXX XXXX XXXX, I provided the requested information to TSI, to include the affidavit of forgery, sample signatures, police report, identification copies and proof of residency location over the last 20 years.
On XXXX XXXX XXXX, I received a letter from yourself, XXXX XXXX XXXX, Risk Supervisor for XXXX, indicating receipt of my dispute and notification the case was assigned to an investigator.
On XXXX XXXX XXXX, I received a notice from the Department of Treasury, Bureau of the Fiscal Service, that {$2200.00} was withheld from my federal tax refund due to this disputed XXXX debt. This letter indicated the involved agency ( XXXX ) previously sent notice to me indicating the intent to collect the debt to include intercepting federal payments, including tax refunds. The original certified letter received from AAFES/TSI made no mention of this and only addressed wage garnishment. Federal law under the Treasury Offset Program includes a Due Process prerequisite that requires a 60-day notice is provided to the debtor of the intent to offset as well as the opportunity to dispute the debt. I was n't provided notice of intent to offset. The notice I was provided did n't allow for due process and the 60-day requirement. And the dispute was acknowledged by XXXX and TSI yet the offset still occurred ( ATTACHED ).
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| 05/01/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Improper contact or sharing of info
- Contacted me instead of my attorney
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Web |
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Starting XX/XX/XXXX I filed Chapter XXXX bankruptcy for reasons of too many bills and not enough money coming in. In the bankruptcy was my private student loan through XXXX XXXX XXXX XXXX By the bankruptcy laws of XX/XX/XXXX, the loan can not be discharged through the process anymore. On the other hand, the loan is suspended for the duration of the bankruptcy agreement which means I do not have to pay any money towards the student loan with no consequences. After my bankruptcy is discharged, the repayment of the loan is started again. Now I was discharged XX/XX/XXXX. In late XXXX I was contacted by a company called Transworld Systems Inc . The company is a debt collection agency representing XXXX XXXX XXXX. First they did n't offer to prove that the loan is mine and if the amount that they claim that I owe is even correct. We did though come to an agreement for me to pay XXXX dollars every other Friday, which means in a years time I would be one month ahead of scheduled payments. On XXXX/XXXX/XXXX I made the first full payment of XXXX dollars. Two weeks later on XXXX/XXXX/XXXX the XXXX dollars every other week started. I made every payment that they wanted me to make with no issues. On XXXX/XXXX/XXXX was the last payment that they would take from me. Approximately a week later a company called XXXX XXXX XXXX XXXX Contacts me, wanting me to start voluntarily start paying on my XXXX XXXX XXXX XXXX. I told them that I am already repaying my loan with another company ( Transworld Systems Inc XXXX. After they contacted me, I turned around and contacted Transworld system. They told me everything is fine and im still on schedule to keep making scheduled payments every other week. After that was all said and done I did n't think anything of the situation. Three weeks and went by and it was XXXX/XXXX/XXXX. I checked my account to see if the payment of XXXX dollars has been withdrew from my account. It turns out that the payment was not taken from me. I look closer and find that two weeks before this time on XXXX/XXXX/XXXX that the payment was n't accepted then either. I contact Transworld systems to find out why the payment was n't received. They tell me that the account has been closed and I have to call this particular number. I call the number which is for the national collegiate trust people. XXXX now tells me that I have to contact XXXX XXXX XXXX Law firm. I contacted them and now they wanted me to pay more a month that was already agreed upon with the other XXXX XXXX. I told them that I could n't afford the payment of XXXX dollars a month. It was already hard enough to pay XXXX dollars a month as it was. Through all of this not once have I received any kind of paper work or any information of why the account has changed hands especially since there was an original agreement with the original company to repay the loan at XXXX every other week until paid in full at 4 % interest. I do n't even know if XXXX XXXX XXXX or Transworld system inc is even a reputable company but they are expecting me to give them a lot of money without prove of any kind that the amount is correct or not and if it even is my loan. I also have obtained a lawyer to handle all of my issues with this debt collection. They have not once responded to his request for information. They do on the other hand keep contacting me instead of him which I know is a violation of my rights. Since this has started with the changing of people they have put a collections on my credit report in which it is causing me financial ruin especially since the reason of bankruptcy is to get back on track with my finances and my credit report. As of right now Im back where I started 6 years ago. My agreement of repayment has been changed unlawfully without my knowledge. They also want a higher settlement when I owe less money
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| 08/19/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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I obtained private student loans while attending XXXX University ( XXXX ), formerly known as XXXX XXXX University ( XXXX ). My father cosigned for these loans. Approximately XXXX years ago, my parents filed for a chapter XXXX bankruptcy. The student loans were not a part of this bankruptcy. They were a direct pay form the primary loanee, which is me. My father was just a cosigner, and regardless of the chapter XXXX bankruptcy, would have fulfilled his obligation as cosigner if I were not to pay. The bankruptcy is now paid off. My student loans have been in good standing throughout the entire chapter XXXX bankruptcy. On XX/XX/XXXX, my mother receives a call from a rep from XXXX XXXX XXXX ( XXXX ) stating that they were trying to collect a debt from my father, the cosigner, because the student loans were defaulted. They stated that I owed a total of XXXX from XXXX private student loans. I was confused because I have always kept my accounts in good standing. They were only in an approved forbearance since XX/XX/XXXX ( which is still in good standing ). My mother gave me the number to call XXXX. When I spoke to the rep, she told me that my loans were in default, and that I needed to pay in full. She did not know why my loans were listed as delinquent. They gave an option for me to pay approximately {$33000.00} if I wanted to pay in full ; or I could pay off XXXX loan for approximately {$9000.00} and make approximately $ XXXX/month payments until the rest of the debt was resolved. I was not offered any more options. She also told me that I needed to act quickly because all three loans were accruing interest separately/daily. I then called the company that was servicing my loans, XXXX XXXX XXXX ( XXXX ). The rep there told me that they no longer service my student loans because the owner/guarantor decides what is done with the loans when a bankruptcy is filed. They stated that the owner/guarantor put the loans in default due to the Chapter XXXX bankruptcy from the cosigner ... even though the bankruptcy is paid off and that I made payments throughout the entire life of the bankruptcy. The owner/guarantor of my loans is Transworld System Inc ( TSI ). When I called TSI, the rep told me that my loans were put in default due to a breach of contract when the cosigner filed a bankruptcy. I explained to them that the student loans were not included in the bankruptcy, and that the bankruptcy had been paid off ; not to mention, I made payments throughout the life of the bankruptcy. They told me that it did not matter. They said that they received notification from the government that a chapter XXXX bankruptcy had been paid off by the cosigner which prompted them to put the loans in default due to a breach in contract. I asked if I could have a letter of verification stating this information and why my loans were defaulted, and the rep told me that they did not send out any letters like that and that it was due to a breach in contract. I do not have huge amounts of money laying around to pay out like they want. I do not want loans listed in default on my credit, this was not my bankruptcy. Is this right? Can you please help? Thank you for your time!
XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX for the repXXXX - XXXX XXXX XXXX XXXXI will attach bank statements of payments. The payments vary in amount due to being in XXXX for a period of time. They are listed as XXXX XXXX XXXX on the statements. I have included the first and last statement of the year for years XX/XX/XXXX through the end of XXXX. The loans were in forbearance as of XXXX. I was not aware that my loans were defaulted until XX/XX/XXXX. I received nothing in writing at that point. I was told that a letter from XXXX was on its way in the mail for my father and I each at my parents ' address.
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| 06/11/2018 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
Servicemember |
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I took out a private student loan through XXXXXXXX XXXX in XX/XX/XXXX for {$30000.00}. I was told that I was required to have a coborrower despite trying to get the loan without one. Neither my husband and I were employed at the time as he had just lost his job and I was attending school full time in addition to raising our child. We were desperate, young and naive. I joined the XXXX a few months after I took out the loan in order to provide a stable financial income and health insurance for my family. After a lot of headaches, I finally got the company to honor the Soldiers and Sailors Credit Relief Act to lower the interest accruements while I was overseas. When I got out of the XXXX, I continued my education to finish my XXXX degree. I was intending to go to school to be a XXXX XXXX. In this time, the loan had been transferred to another company. I found out in XX/XX/XXXX, just a few months after graduating college that I would not be able to attend XXXX school because I had a XXXX XXXX XXXXXXXX and was going XXXX. I was no longer able to drive or work. My husband and I continued to make payments despite me not bringing in any income. About a year after receiving my diagnosis, I was considered to be a 100 % service connected XXXX veteran and my federal student loans were dismissed. At this point I had paid over {$11000.00} on this original loan only to find out that it had not dropped in balance by even a cent. I reached out to the company only to be told that even paying {$530.00} every month would not decrease the balance for quite a while. I informed them of my diagnosis and that I could not work seeing if we could lower the payments. They not only refused but began harassing myself, my husband, my in-laws and my father. I would inform them every time that I was doing my best but could not afford to pay over {$500.00} a month. The calls continued sometimes several times a day. The loan was transferred twice after that and each time my husband and I would tell them that we could make small payments monthly. ( None of these companies had any record of us paying the previous {$11000.00} either. ) They refused to take them stating that the amount we could pay ( between $ 50- {$100.00} ) was not sufficient enough to make a difference. My husband, in that time, had begun college so that he could have a career and provide better financially since I could not. He has told them several times that we have every intention of paying the loan but can not do so at this time seeing as neither one of us has an income other than my XXXX and the small amount he gets from his GI Bill. We have begged, pleaded and cried over the harassment and rudeness. We are out of options. The loan appears to have been transferred back to XXXX XXXX XXXX and of course the calls continue. They have threatened to take us to court which we have told them to do so because at that point they could no longer continue charging interest ; however, they have only continued to harass us and increase the balance by charging interest. We have every intention to pay our loan ; however, our priorities are a roof over our familys head and food to eat. I do not ask for anyones sympathy in going XXXX, but I do expect respect not only as a veteran, a XXXX woman but as a human being. I take full responsibility for being nave enough to take out a large loan when I was younger, but I can not fathom the indecency of these people. Our credit is no longer good, and we could not even take advantage of a veterans home program to decrease our interest rate on our mortgagee ( which would result in lower monthly notes and more we could afford to pay on the loan ) because of this loan. They refuse to work with us. I dont know what else to do and am pleading for some help and guidance in this situation.
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| 05/07/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The original creditor, XXXX, was in possession of a security deposit at the end of the lease in XXXX of XXXX and contact information that included my new address ( see attached notice to vacate ), my email ( see attached notice to vacate ), my cell phone number ( see attached notice to vacate ), and emergency contact information from my 2-year tenancy. As an added precaution my mail was also forwarded to my new address ( see attached change of address confirmation from USPS ). According to XXXX costs to repair the apartment exceeded the value of the deposit. When verbally questioned by me XXXX indicated they were unable to reach me with either the itemized list or the bill through the mail. I did not receive a letter at the forwarding address on my notice to vacate or forwarded from my old address through USPS. They claimed they had attempted to mail a letter and that it had been returned. I would encourage you to observe the address on the attached document and confirm that it is indeed a valid address. XXXX confirmed they had not attempted to email or call in the thirty day waiting period before sending the debt to collections, but agreed they should have done so. XXXX then sold the debt of {$910.00} to the Collections agency Transworld Systems on XX/XX/XXXX who never notified me via mail, email or phone that they had taken possession of the debt or that I even had a debt that they were trying to collect. I never received any written communication from Transworld Systems at my new address or forwarded from my old address or any attempts to make contact. I only became aware of the debt and collections attempt after Transworld Systems made a negative mark on my credit report in XXXX of XXXX. I then contacted Transworld Systems directly from the number listed on the credit report to dispute the negative mark and they informed that I needed to speak to the original creditor. I reached out to XXXX who informed me of the reasoning behind the additional charges, explained how they hadn't been able to reach me despite my due diligence, acknowledged they should have put in more effort ( phone/email/the actual address I left them? ), and indicated since they had sold the debt I needed to speak with the collections agency. I then contacted Transworld Systems again to request the negative mark be removed in exchange for payment of the debt since standard procedure wasn't followed and I could not have known about the debt. The collection agency refused these terms by insisting this wasn't their responsibility and that I needed to speak to the government instead. When I repeatedly asked for the department within Transworld Systems that I would need to write a letter to or perhaps a number I could call, the representative I spoke to insisted there was no one at Transworld Systems that could answer my questions and continually insisted the only thing Transworld Systems could do was take payment and that I needed to pay with a debit/credit card. I asked for a mailing address to send a check to, which I received, I wrote and mailed a personal check on XX/XX/XXXX for {$910.00}. The check was cashed ( cleared ) on XX/XX/XXXX ( See attached check image from Bank Statement ). Transworld Systems did not close the account until XX/XX/XXXX, please refer to current credit reports, despite having received the total balance in full within a week of my notification of the debt. Over the last year, I have disputed the negative mark on my credit reports because the Fair Debt Collections Practices Act was not followed, but the negative mark has not been removed by the bureaus despite the blatant disregard of fair debt collection processes. At this point I feel obligated to lodge a formal public complaint against both XXXX and Transworld Systems.
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| 04/23/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was wrongly charged for an apartment I lived in while disabled.The apartment at XXXX XXXX in XXXX XXXX, Ohio that I moved into was never repaired before I moved in and was damaged with burnt old carpet old windows old doors and locks n old blinds.I never caused any of the damage at the apartment.It was already like that and it was unsecured most of the time.After I left people were in the apartment and caused damage.I was XXXX twice at XXXX XXXX.Resulting in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.The apartment I was in was never repaired before entry it was trashed n old when I got it.I didnt mind because I had a dog.Then the manager of XXXX XXXX evicted me and lied about the damage and the original condition of the apartment.I was wrongfully sued and had no lawyer or witnesses and never knew the outrageous charges that were added up by a woman who hated me because we didnt get along.This woman left me stranded in a different town without any way home before n lied n said her vehicle blew up.All lies she was at work in the same vehicle next day.My apartment was entered illegally multiple times by other tenants n their criminal associates and it was entered illegally by the property manager.There were always keys to every apartment left unsecured in the office where people used a butter knife to enter and take keys to my apartment.I had locks replaced multiple times I had friends stay with me because I never felt safe there.I didnt damage the apartment and I am not responsible for the charges racked up by a XXXX trying to take advantage of a XXXX person.I was wrongfully evicted.I was on XXXX XXXX housing assistance and was in a XXXX XXXX XXXX XXXX when I left.I had a letter from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNobody cared.XXXX XXXX was yelling and screaming at me my last day there so bad the police had to make her leave me alone.I lost all my furniture my TV an antique guitar n a lot of my clothes as I couldnt fit anymore in my XXXX year old mothers broken down car.My mother had to drive over 400 miles to come get me and take me in.While I was XXXX from her other tenants XXXXWhat XXXX XXXX does is wrong.Renting unrepaired apartments to people XXXX and then evicting them so she can make up charges and sue them to repair the old apartments n make them newXXXX told me I would never have to leave.She hurt me so bad I became XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Ive never had any money in my life and the apartment i lived in did not have XXXX $ worth of damage to it.And the damage was caused by other criminal tenants and criminals in the bad neighborhood.XXXX XXXX let them all get away with everything and let me suffer alone.Im not responsible for the charges XXXX XXXX said I was.And the apartment was never worked on while I was there.Kinda weird how all the damage happened after I left and was sued on false charges .The apartment was never worth the money shes asking for anyway and XXXX XXXX and XXXX XXXX ruined my life permanently. I can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXThis amount of money I will never be able to pay and am not responsible for any way.XXXX XXXX was full of XXXX n criminal activities and hurt me very badly for life.This is a false damage report with intentions of further hurting me financially and getting her buildings furnished with brand new apartments at poor peoples expenseXXXX XXXX is an XXXX XXXX taking advantage of poor weak old n XXXX people n their lives.
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| 06/28/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Situational brief : XXXX assigned to my husband and myself was confirmed both by the insurance agency XXXX XXXX and the XXXX office to be covered under the plan we had. The PCP was under the XXXX XXXX XXXX, which reportedly handles all billing correspondence between the XXXX and XXXX.
-- - What happened : A routine wellness visit and related services were rendered by the doctor, which are fully covered with copay by the insurance plan, to which we paid the copay. The services should have been fully covered and paid out by XXXX to XXXX and the XXXX as a result. However, when the services were billed to XXXX by XXXX 's billing staff on behalf of the XXXX, an incorrect Tax ID was denoted for our XXXX. This was a clerical issue on their part which they have admitted to and apologized for multiple times. Since an incorrect Tax ID was used XXXX denied the covered services as a result. Even though XXXX XXXX was made aware that this was due to the incorrect Tax ID being used, the case was automatically forwarded to their collections department. When XXXX XXXX and XXXX XXXX were both informed of this oversight, Billing assured me that it had been redacted from Collections, however Collections was indifferent.
-- - What I 've done to attempt to resolve this : Well over half a year has passed since this began, and all the while I 've been corresponding with the three parties to get this clerical issue sorted out. I have been assured by all three parties that this is of no fault of my own, and that there is absolutely nothing I can do on my end to amend their error ( as the XXXX Tax ID can not be disclosed to me, nor do I have any authority to amend the paperwork with this correct information ).
I was assured by XXXX Billing Director XXXX every time we spoke that this would not be sent to collections, that no action was needed by my part, and that I can disregard notices being sent automatically regarding the " amount due '' as they were working with XXXX to sort this out. He explained that he was sending my case to their " specialist that handles cases dealing with XXXX '' and that it would be taken care of and would not hit my credit report. I had since been checking in with XXXX and XXXX periodically and been repeatedly told the same.
One month ago I received a notice that my case was being sent to a collections agency if I did not send a Notice Of Appeal to inform XXXX and XXXX of any error. On XXXX XXXX I used certified mail to send this notice. XXXX has yet to confirm receipt. Just recently XXXX confirmed receipt and denied to pay out because the incorrect Tax ID is still being sent, and that I may request the information they have, and send it with a complaint to Illinois Department of Insurance ( I am waiting the 30 days to receive this info to do so ).
Yesterday I received a letter from XXXX collection agency Transworld Systems INC. indicating that this has indeed been sent to collections and that it will be reported to all credit bureaus unless I pay the full amount due.
-- - Info : The XXXX representative that assured me that this would not happen is the Billing Director XXXX. His direct line is XXXX.
The main billing number for XXXX and/or the XXXX is XXXX.
The PCP in question is XXXX XXXX XXXX, the direct number of the office wherein service was provided to us is XXXX ( she nolonger practices at this office, as the case is half a year old and she reportedly left due to numerous other instances of the same happening to other patients ' accounts, preventing her from receiving her payments ).
The number for XXXX 's collections agency, Transworld Systems INC, which is wrongfully accusing me and holding my credit score hostage is : XXXX The number of XXXX XXXX is : XXXX
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| 05/18/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Having problems with customer service
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Web |
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I filed a Identity Theft claim with this company XXXX XXXX XXXX when I found out that someone had forged my signature on a student loan. They replied that the owner of the loan was Transworld Systems Inc and that they had denied my claim. When I sent all the necessary paperwork to Transworld Systems Inc . They in turn replied that they do not make the decision on the IDentity Theft Claim. That the creditor XXXX XXXX XXXX are the ones who denied the claim. When I sent the information back to XXXX they in turn say its Trans world Systems Inc. Attached are all documents sent to both parties and their replies indicating that obviously no one wants to take the blame. The IDentity thft account has been sent to numerous collection agencies ( XXXX ) and when I speak with the agencies they all say that the original creditor is TSI Transworld Systems Inc. NO one is clearing my name from this account and I need resolution to this and quick! This ping pong has been going on since XX/XX/XXXX. I already put in other complaints against these companies with other government agencies like the Attorney Generals Office and FTC.
Some how in writing to the companies and supplying all documentations isnt enough.
On XXXX XXXX I had agreed to sign for a student loan for a friends daughter, with XXXX XXXX XXXX. Once there, they had spelled my name wrong and told me that they will send me corrected forms and that I will have to send them back with my initials. Needless to say I received the paperwork from XXXX XXXX on XX/XX/XXXX. Once Received I called XXXX XXXX XXXX at the number on the bottom of the letter and ask the representative how do I stop this process as I then realized that I did not want to proceed with the signing. The representative stated that the letter they sent me was self explanatory. If I did not return the forms signed and initials were indicated within the 30 days no further consideration will be given to the application. ( Letter attached ) so I did NOT return anything to them. I still have the original forms they sent me in XX/XX/XXXX IF you notice on the attached copies of the letters I have the LENDER COPY, BORROWERS COPY AND THE COSIGNERS COPY still in my possesion. I also have the Lender copy that XXXX XXXX XXXX sent me when I requested information on this Identity Theft. The Lenders copy has a date of XXXX/XXXX/XXXX with a forged signature. But for their conveience they seem to be only circulating to the the XXXX application I did on XXXX/XXXX/XXXX to the collections agencies and other parties involved so that they can try and collect on this so called debt .No XXXX seems to be able to find the forged signature application but yet they, american XXXX services were the people who sent it to me in the first place when I requested applications and other information used on this Identity Theft Account. It was only XX/XX/XXXX that I realized that this loan was out there. I am not XXXX to constantly pull my credit report for no reason but when I was refinancing my house, the broker told me that I had to explain the amount on this loan. Thats when I realized and immediately but in the IDentity Theft report with the FTC and file a police report and commenced with obtaining information used in the Theft Account with XXXX XXXX XXXX. Thats when XXXX immediately turned around and sent the account to a collection agencies. I told the collection agency everything they in turn sent it back to XXXX and then they turned around again and sent it to NCO then to XXXX XXXX, Now its with XXXX XXXX XXXX. They are a scam company and from what I am reading on the Database for the Attorney General in Pennsylvania there are alot of people complaining about these companies.
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| 04/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PAXXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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You all reporting a open status on a collections by the name of transworld systems collection which isnt the original creditor account which is closed please delete incorrect information Immediately This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
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| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is crucial for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. As XXXX, XXXX, and XXXX are consumer reporting agencies, and I am a consumer, I am deeply concerned about the impact on my privacy rights and the negative consequences resulting from the reporting of this account.
Furthermore, 15 USC 6801 establishes the policy that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. The entity furnishing information to credit agencies, being a financial institution under this definition, is bound by this policy. Therefore, it is imperative that the reporting of this account, which jeopardizes the privacy and security of my personal information, be rectified immediately.
Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) restricts consumer reporting agencies from furnishing consumer reports without the explicit written instructions of the relevant consumer. It is crucial to note that neither XXXX, XXXX, XXXX nor the aforementioned entities, have obtained my written consent to furnish my personal information. Consequently, the reporting of this account is in direct violation of this provision.
Additionally, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed about their right to exercise the option of nondisclosure. Unfortunately, I was not properly informed of this right by the entity furnishing information to credit agencies. This failure to comply with the FCRA regulations further compounds the negative impact on my quality of life.
Furthermore, 15 USC 1681C ( a ) ( 5 ) clearly states that consumer reporting agencies are prohibited from including any adverse information, except for records of convictions of crimes that antedate the report by more than seven years. However, the reporting of this account as an adverse item without my permission is a direct violation of this provision, exacerbating the harm caused by its inclusion on my credit report.
In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is essential to rectify this situation promptly to ensure compliance with the FCRA and mitigate the negative consequences that have resulted from the reporting of this account.
Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of the FCRA, and limit the furnishing of consumer reports to the purposes listed under section 1681b. Regrettably, it appears that XXXX, XXXX and XXXX have not upheld these obligations, as reasonable procedures have not been maintained, leading to the adverse impact on my quality of life.
Given the aforementioned violations of the FCRA and the considerable negative impact this account has had on my life, I urgently request that you take immediate action to remove this account from my credit report. Doing so will help alleviate the burdens I have been facing and restore a sense of stability to my financial well-being.
I kindly request a written response acknowledging the receipt of this letter and providing a detailed plan of action to rectify the situation. Your prompt attention to this matter is greatly appreciated.
Thank you for your understanding and cooperation.
Sincerely,
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| 08/14/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2018 Transworld System , Inc RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX, XXXX
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| 07/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TRANSWORLD SYS INC/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/18/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I checked my XXXX and XXXX reports via login to XXXX. An old debt to XXXX XXXX from XXXX was showing. It was {$450.00}. I had moved and didn't know I had been billed. The name, address and telephone number showing on XXXX for the debt collector is : Transworld Systems I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I called that number and I immediately got the message that the call was being recorded. I said I wanted to pay the XXXX XXXX overdue bill in full. They asked for all of my personal identifying information : name, address, telephone number, social security number, date of birth and debit card number. Each time I gave a piece of identifying information, they repeated it and asked me to say " OK ''. This OK was being recorded because at one point I thought the guy - who sounded foreign - said something incorrectly and he had me repeat the " OK ''. After getting my debit card number. he said the system was slow and he had to put me on hold. Each time I was put on hold, I heard a different recorded ad which said that I was now subscribed to a service I did not want.
The first subscription I did not want was for Privacy Lockdown for which my card was charged {$1.00} for 14 days, and then a monthly subscription of {$19.00}.
After that first recorded ad, I was very annoyed and I told the man that I did NOT ask for that subscription. I only wanted to pay my old XXXX XXXX bill. He said " Everybody freaks out, but don't freak out. You are not subscribed! '' He put me on hold again, and I got another recorded ad that said I was now subscribed to 1 Per Place at {$1.00} for 14 days and then {$19.00} per month. He came back on the line and I said " I just want to pay my XXXX XXXX bill! '' He told me to hold on that it was going to be paid.
Of course I was already suspicious, but the contact information was showing on my XXXX credit report on the XXXXXXXXXXXX website that I logged into. How could this be a scam? My gut said it was, but I hung in there. I wanted to pay off National Grid and I knew that I could have these subscription charges reversed.
I was placed on hold two more times. XXXX XXXX on Demand ( who actually sent me a welcome email! ) for {$4.00} for 14 days, then {$59.00} per month, and XXXX XXXX for {$1.00} for the 14 day trial, then {$19.00} per month.
At the end he said it was all done, and I asked where is the confirmation that I paid the XXXX XXXX bill? He gave me the confirmation number XXXX, and then said here 's an ad-supported customer service number to call XXXX.
I immediately searched for the TSI payment portal and from there found a direct number to them, XXXX. They had not received payment for my old XXXX XXXX bill! I paid the bill on XX/XX/XXXX, and saw the charge on my card. The people at this TSI number told me that my XXXX XXXX bill was now paid and it would show as paid on my credit report.
At least I had proof that I paid. I thought this was enough and it would come off my report.
I cancelled all the subscriptions charged to my card, then the following day received a notification from XXXX XXXX that there had been an update to my credit report.
This TransWorld Systems I updated my credit report to show that the XXXX XXXX bill was a new debt in collections, opened as of XX/XX/XXXX. This is patently false. XXXX XXXX shows this bill is paid and so does TSI, the official debt collector for XXXX XXXX.
This company has direct access to my credit report and is actively damaging my credit rating. I don't know if they are actually sales agents for TSI. What I know is that they are able to update my credit report at will and do damage to my rating.
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| 09/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had lived at the XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Florida for over 2 years and I had never once failed to pay my rent.
On XX/XX/XXXX, I had to urgently move out of the apartment due to health issues which would've caused me to not be able to afford my rent anymore. I thoroughly cleaned the apartment and then dropped off the keys in an envelope at the office with a note to the manager. After a few days, I was able to go back and speak to both the manager and assistant manager, in person, about my situation. Based on an area of the contract, that mentioned if anyone leaves without prior notice, it is left up to the discretion of the manager to charge or not charge that individual ; I asked the question of whether or not I would be charged, and I was told by the manager not to worry about it, to just focus on getting better. I didn't bother to ask about my security deposit and it was never brought up. I gave them a forwarding address and they had my phone number, just in case they needed to contact me. I left with the understanding that everything was squared away.
In the middle of one of my treatments in XX/XX/XXXX, I received a phone call from a debt collector, who claimed I owe a debt of {$1000.00} to XXXXXXXX XXXX XXXX XXXX, which was very shocking to me. I explained to the debt collector the whole situation and told her that as far as I know, I was the one who was owed my security deposit. A few days after I saw where it was placed on my credit report.
When I first rented the apartment in XXXX, I started out paying {$790.00} monthly until the amount increased to {$880.00} in XXXX. I had paid {$500.00} as a security deposit. I had paid my rent for the month of XXXX, and I left before XXXX.
I was never told about a balance being owed, I was never contacted, at no point at all, and nothing was ever said about my security deposit being refunded, yet I was contacted by a collection agency and immediately after a {$1000.00} debt was placed on my credit report to destroy my reputation.
I contacted the XXXXXXXX XXXX XXXXXXXX XXXX and spoke with the Assistant Manager about the call that I had received from the collection agency, and was told that he had nothing to do with it. I was told that it was the corporate office who had made the claim. He provided me with a telephone number for the corporate office, which I had called multiple times, however, I was not able to reach anyone.
On XX/XX/XXXX, I called TSI to dispute the debt and spoke to " Lady '', a representative at the collection agency. I was told to expect a mail that would include a copy of the document detailing the claim.
After receiving the mail, on XX/XX/XXXX I called back TSI Collection Agency to further dispute what this document was claiming. I informed the agency that the debts are false and the information on the document was also incorrect. I later sent proof documents ( receipts and pictures ) to TSI via fax.
On XX/XX/XXXX I called back TSI collection Agency to follow-up on the case and was told that they were waiting on a response from the company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Currently, the problem has not been resolved and is causing a MAJOR PROBLEM in my life. For one, it has damaged my reputation and my credibility. I am currently homeless due to the fact that my applications for housing keeps getting denied based on the derogatory mark on my credit report. Due to this great amount of stress my health is also being affected in a very negative way.
I would greatly appreciate your attention to this matter as it is very overwhelming and cruel.
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| 08/23/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am disputing the charge of {$120.00} from XXXX because I was told in XXXX 2016 that I no longer owed them the money and that the account was taken care of. Please see my case below.
On XXXX XXXX, 2016 my husband and I asked our credit to be pulled to purchase our first home together and I was shocked to find out that there is a mark on my credit from Transworld Systems. After much research on XXXX XXXX, 2016 I found out that the original creditor is XXXX. First, let me state that I have not received any notice from XXXX or Transworld regarding a delinquency resulting in reporting to the credit agency. As I am sure you are aware that your company is required by law to submit in writing a letter to me letting me know that you will be adding a delinquent record to my credit report. This letter was never sent or received.
After much more digging I found out that this XXXX bill of {$120.00} was taken care of in XXXX 2016. In XXXX I spoke with XXXX XXXX and after much back and forth told me I did not owe anything further and I left it at that. Since then I have received nothing from XXXX that is until finding out that Transworld has put a delinquency on my credit.
I have since done the following to correct this action and have not received help from any party : XXXX/XXXX/16, I called Transworld and spoke with XXXX XXXX with questions regarding this account, I was referred to speak with XXXX to discuss the account. I called XXXX and spoke with XXXX who told me to call XXXX XXXX XXXX, which was the provider that gave me the knee scooter. I called and spoke with XXXX XXXX from XXXX XXXX XXXX and he informed me that I do not owe any money to XXXX ( please see the enclosed letter ). XXXX/XXXX/16, I called XXXX back and asked to speak with a supervisor, after 45 minutes on hold I finally spoke with XXXX XXXX who informed me that I would not owe XXXX money that they billed my insurance and it was denied and that I owe XXXX. I explained to XXXX about my experience in XXXX and he told me that was not noted in the account. I also asked for him to send me the information proving that I owe the funds ; he told me they billed my insurance and that the insurance will have record.
XXXX/XXXX/16 I called my insurance XXXX and spoke with XXXX and XXXX in XXXX separate calls, they XXXX informed me that XXXX never made a claim for a crutch substitute. After hanging up the phone with XXXX I called XXXX back and spoke with XXXX who said I could not speak with anyone other than XXXX XXXX even though I requested to speak with someone higher than XXXX, XXXX put in a ticket for a manager to call me back within XXXX48 hours. I called Transworld back and asked for a manager and after much hold time I got on the phone with XXXX XXXX and at which time was informed that my account is under dispute and that I can not discuss my account. I asked for XXXX and me to call XXXX and sort it all out, as I noted this credit mark is prohibiting me from purchasing a home. XXXX informed me that we could not do that and that I had XXXX48 hours before they had to reply.
XXXX/XXXX/16 I called XXXX and spoke with XXXX XXXX who informed me that there is nothing they can do to take this off of my credit and that he will have to speak with his supervisor and they will call me back.
XXXX/XXXX/16 I called and asked for XXXX XXXX to discuss my account and have been informed by XXXX XXXX that I must submit a letter in dispute and that until XXXX replies to Transworld there is nothing that they can do to help me. I can call back and speak with XXXX XXXX in a few hours as he is on break.
|
| 07/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am writing to request an investigation of the following information that appears on my credit report. Item to be disputed : TRANSWORLD SYSTEMS INC.
XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX XXXX Account # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, MD XXXX Creditor 's Account # : XXXX Balance Due : {$760.00} Attached are the supporting documents which further detail the circumstances that prevented me from paying the disputed amount and from taking any action before this case was sent to the collection.
I incurred some hospital bills during the birth of my first child in XXXX of XXXX. A portion of the bill was paid by the insurance company and I was responsible for the remaining balance. I was diligently making my monthly payments and decided to apply for financial assistance on XX/XX/XXXX. Attached letter from XXXX XXXX XXXX charity care and financial assistance confirms that.
My application for financial assistance was reviewed and hospital decided that I was eligible for 100 % charity care write off on the portion of the charges for services I was responsible. It was later confirmed in writing via a letter dated XX/XX/XXXX. A copy of the letter is enclosed and original copy can also be presented on request.
Letter states the following : Thank you for using XXXX XXXX XXXX for your medical needs. Your application for hospital assistance has been reviewed and you have been found eligible for a 100 % allowance for all hospital services except XXXX XXXX.
This was my last communication with the XXXX XXXX financial department. There were no alerts/communication via phone, email or regular mail after the above-mentioned letter dated XX/XX/XXXX from XXXX XXXX XXXX.
I was out of country ( in XXXX ) from XX/XX/XXXX to XX/XX/XXXX. Please see attached copies of the e-ticket and boarding passes. After coming back home on XX/XX/2019, I find this letter dated XX/XX/XXXX from the collection agency name Transworld Systems Inc stating the there is a balance of {$760.00} due on my account. See attached letter. I did not get to read this letter until after XX/XX/XXXX.
It was never my intention to avoid paying any balance that I owed to the hospital. I did have some financial trouble during the birth of my child and for that I did seek financial assistance and was diligently making my monthly payments as a responsible borrower up until Ms. XXXX XXXX from the XXXX XXXX XXXX assistance department told me otherwise. I was never given any advance notice about sending my case to collection. First and the only notification that reached me came straight from the collection agency on XX/XX/XXXX stating my account has been sent for collection. When I became aware of this past due account, I immediately called the collection agency and set up a monthly payment plan. I have already made three ( 3 ) installments but my credit score has taken a big hit. I have worked hard to keep a good credit score of 700+ but this collection notice has put me back below XXXX.
I have attached all necessary supporting documentation to support my claim.
I am requesting you to investigate into this at your earliest convenience.
Thank you for your assistance.
Sincerely, XXXX XXXX Enclosures : 1. My financial assistance application dated XX/XX/XXXX 2. Letter confirming 100 % write off. Financial assistance approval.
3. Some payment receipts ( more can be provided upon request ) 4. Boarding passes and e-ticket 5. Bill of {$760.00} 6. Letter from collection dated XX/XX/XXXX 7. Payment plans with collection
|
| 01/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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In XX/XX/XXXX Federal Direct Consolidation Loan in the amount of {$25000.00}. In XX/XX/XXXX FAFSA stated that the balance on the Direct Consolidation loan was {$35000.00}. In XX/XX/XXXXI was given a forbearance by XXXX XXXX XXXX, and she forgot to file the paperwork for that, which sent my loan into default. She had me wright a letter stating that there was financial hardship because they ceased my income tax because XXXX did not file the paperwork. I wrote that letter based on a conversation with XXXX XX/XX/XXXX, and also a follow up conversations with XXXX on XX/XX/XXXX. Per conversation with XXXX onXX/XX/XXXXat XXXX that would have been MT Time, she stated that the tax seizure would be returned, and the forbearance would go into effect. She did not do that, and she was fired. In XX/XX/XXXXI received a letter from FAFSA in response to my request for hearing, and my objections to collection of a defaulted student loan. They stated that their decision was that there was nothing that they could do. The wage garnishment has continued, and the seizure of taxes since XX/XX/XXXX. In XX/XX/XXXX I sent a letter to President Barack Obama with my objection to the defaulted student loans, and the hardship it was causing my family. FAFSA gave me a phone number to call, at XXXX XXXX. In XX/XX/XXXX I called XXXX XXXX, I spoke with XXXX XXXX. Her number was XXXX, and then in XX/XX/XXXX I spoke to XXXX XXXX, and that was XXXX manager, and then she referred me to XXXX XXXX, and he was XXXX manager, and his phone number was XXXX, and on that phone conversation XXXX stated that for my student loans had consolidated, and that the total amount borrowed, including interest was {$58000.00}. He stated that I had paid to date the amount of {$40000.00}, and that the current balance was {$48000.00}, and they offered to settle the student loan at {$35000.00}, which meant that I would have paid {$75000.00}, on a loan that I only borrowed on {$58000.00}. When I asked XXXX why there was such large difference between what I owed, including principal and interest he stated that federal regulations did not stipulate what collection agencies could impose as penalties for their collection agency fees. When I tried to contact them this week, I received a recorded message at Transworld Systems stating that due to the temporary restraining order by Judge XXXX they could no longer service my loan. I called FAFSA, and spoke to XXXX, and she stated that Transworld Systems had not updated my account since XXXX. So although they were collecting money it did not get applied to my account. In garnishments alone since the time I spoke to XXXX XXXX in XX/XX/XXXX, I have paid an additional {$30000.00} that is well over the amount of the original loan plus interest. I spoke to the Federal Clerk at the Federal Claims Office, and he gave me the phone number for XXXX XXXX at the Department of Ed. XXXX XXXX stated that his number should not have been given out since he is not part of the case on XX/XX/XXXX. He gave me the number to XXXX XXXX, and her phone number is XXXX, and her voicemail box is full. I called back to the Federal Court of Claims, and spoke to the clerk again. He pulled up the internal email with direction regarding Judge XXXX decision to uphold the restraining order, and to halt the collection of defaulted student loans that had already been issuedXX/XX/XXXX. The clerk stated the email regarding contacting XXXX XXXX was correct, and he also provided names of attorneys that would be helpful, and then I called you.
|
| 03/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to Transworld Systems Inc by XXXX in XXXX XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by Transworld, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay Transworld and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XXXX/XXXX/XXXX and my score was XXXX. On XXXX/XXXX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by Transworld Systems Inc . The same account that I had paid in XXXX of the previous year. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that Transworld reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact Transworld again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for Transworld to live up to the agreement we made in XXXX of XXXX and remove this negative mark on my credit bureaus. I have made additional attempts to have this removed from XXXX directly and was unsuccessful. I spoke with a Transworld Systems supervisor on XXXX/XXXX/XXXX and he reiterated that their company policy was to report current status. He validated that I had called their office on XXXX/XXXX/XXXX to inquire that the reporting to the credit bureaus was fixed and he interpreted that as meaning paid in full. I stated that it was about removing it altogether as I was informed by a rep from their company that it would be after I made payment. He also said that what I was told by a rep in XXXX XXXX was incorrect and in fact that I could not review the call recording made in XXXX of XXXX and that no effort would be made to retrieve it. He suggested I write to the corporate office with a " letter of concern ''. Again I am looking for Transworld Systems Inc to live up to their promise and remove this tradeline from XXXX major credit bureaus.
|
| 04/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX I sent a letter to TransWorld Systems inc exceriseing my right under 15 U.S. Code section 1692g with tracking number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransWorld received my letter XX/XX/XXXX XXXX responded with a letter disputing this alleged debt with the consumer reporting agencies and admitting to neither confirm or deny the presence of inaccurate information. they say they may not have suffienct time to complete an investigation of the alleged inaccuracy. they attached a statement to this letter as their " validation '' to be able to collect on this alleged debt.
XX/XX/XXXX I sent TransWorld a letter tracking number XXXX XXXX XXXX XXXX XXXX saying that they are in violation under the FDCPA by failing to provide me sufficent enough proof to collect on this debt under my name. I also notated that they listed another debt buyer XXXX XXXX XXXX XXXX as the creditor. correct me if im wrong but why would TransWorld list another debt buyer on their response letter? isn't this considered false representation? I also stated that I refuse to pay this alleged debt until the proper proof of this debt has been provided. that is my right! Statements is not a form of PROOF. I need more. TransWorld NEVER ceased collection of this account while they " investigated '' and honestly still didn't ceased collection until this day even tho they still fail to provide me sufficient enough proof. to my understanding these procedures are going against the FDCPA.
XX/XX/XXXX TransWorld received my letter I have yet to hear back from this collection agency regarding my 2nd notice.
XX/XX/XXXX I checked my XXXX report and noticed not only is this account still reporting illegally but they report a date of XXXX deliquency of XX/XX/XXXX putting this account to be removed XX/XX/XXXX.
the contact address listed on my report shows a address that is NOT collectable in my state of texas according to the Secretary of State website.
XX/XX/XXXX I checked my XXXX report and noticed not only did they recently report on XX/XX/XXXX but they reproted ON Record Until XXXX XXXX that would mean the date of 1st deliquency is claiming to be XX/XX/XXXX? they are also reporting a po box as their contact address which is another error.
this is ridiculous and must be handled. not only did they NOT provide me proof, only statements, but they admit to not being able to complete their investigation in a timely manner, they failed to ceased and desist reporting UNTIL they have provided the proof, they report different contact addresses that have been cancelled closed file but most importantly they are reporting different running of reporting time frames with the consumer reporting agencies manipulating the date of 1st deliquency date AFTER they have recently reported.
my consumer reports have had enough damage due to TransWorld Systems inc non compliance and improper procedures and illegal practices. at the end of the day TransWorld is the furnisher of this alleged debt that is reporting to all consumer reporting agencies on my PRIVATE NON PUBLIC consumer reports which I gave them NO WRITTEN permission to do so. experiencing this had made me research more and more on my consumer rights and I take my credit very seriously. I have read that consumers have a right to privacy and debt collectors must comply under federal laws. why is TransWorld able to get away with reporting inconsistent and inaccurate information and collect on a alleged debt that they have no authority nor no proof to do so?
|
| 10/04/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I have been in active repayment via autopay ( ACH ) with my Health Professional Student Loan ( HPSL ) from XXXX University and serviced by XXXX since XXXX. On XX/XX/XXXX, XXXX took over XXXX as the loan servicer and continued to withdraw funds from my account via ACH without issue. I received a late fee notice in XX/XX/XXXX that a payment was missed and I spoke with a representative on XX/XX/XXXX @ XXXX who processed the payment immediately. The next scheduled payment was for XX/XX/XXXX and I received a statement on XX/XX/XXXX stating " The total amount due plus {$500.00} is schedule to be automatically withdrawn from your account on XX/XX/XXXX. '' The amount due on the statement is {$710.00} for the HPSL loan. It is clearly indicated on the statement as the " Total amount due '' and the note on the statement clearly states " The total amount due plus {$500.00} is schedule to be automatically withdrawn from your account on XX/XX/XXXX. '' This led me to believe that everything was back on track with the autopay agreement. Unfortunately, on XX/XX/XXXX, I received another notice that the payment due on XX/XX/XXXX was never processed by XXXX and that I was now TWO months past due and this was reported to the credit bureaus. I have made multiple attempts to work with XXXX directly but with no progress. I was told via email on XX/XX/XXXX by XXXX that " We didnt stop your automatic payment, it automatically stopped due to the transition of both servicers. '' and that is why payments didn't go through for XXXX or XXXX. However, this transition occurred on XX/XX/XXXX and since that date, FIVE automatic withdrawals for this account were successfully completed by XXXX until XX/XX/XXXX. Furthermore, their website clearly states that borrowers do not need to do anything if they are currently enrolled in autopay through XXXX, as I was.
So, I have been enrolled in autopay with XXXX since XXXX. The website states that after the transition on XX/XX/XXXX, borrowers do not need to re-enroll in autopay to continue with autopay. Every due date since XX/XX/XXXX had successfully accepted payment via autopay ( proving the representative wrong in that I needed to re-enroll because it automatically stopped ) until XX/XX/XXXX when I discussed the issue with a representative. They now state the representative told me in XXXX that I needed to re-enroll and in XXXX, my billing statement for XX/XX/XXXX clearly confirms that I am enrolled in autopay. I never receive a notice in XXXX that the account was past due and on XX/XX/XXXX, I'm told the account is two months past due and a negative report was submitted to the credit bureau. I have not received any answer as to why they were able to process FIVE separate autopay withdrawals after they took over servicing the loans in XXXX although they state in an email that " We didnt stop your automatic payment, it automatically stopped due to the transition of both servicers. '' They can not explain why my statement clearly states that the total due will be automatically withdrawn on XX/XX/XXXX and have in fact requested a copy of that statement ( which I sent them )! Also, they can't even explain why there is actually an overpayment resulting in a credit balance of {$93.00} to the other loan being serviced on this account! Everything about how they handled this since XX/XX/XXXX has been a complete debacle and the most insulting part is they refuse to remove the negative reporting as they state " we practice fair and accurate negative reporting ''.
|
| 12/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that TRANSWORLD SYSTEM INC had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$4700.00}. I had no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. TRANSWORLD SYSTEM INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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XXXX XXXX XXXX, misrepresented information in response to a complaint dated XX/XX/2023 by stating I gave clear authorization for them to create a personal check and for it to be signed via contract. This was via a response letter dated XX/XX/2023. The response letter states they take these matters very seriously. I have not received one phone call ( or voicemail ) from XXXX XXXX XXXX from their department or point of contact who deals with CFPB complaints. Its hard to want to call them and speak with them before submitting this complaint because they lied on this report. It doesn't seem they really reviewed a phone call on XX/XX/2023 because I do not recall giving them a very clear verbal authorization, following the company 's protocol for verbal authorization. I recall telling them that when a date became available that was suitable in the future I would pay it and set it up online myself. I honestly do not recall telling them to authorize a check, I mean I would need to hear the phone call. The reason to postpone payment was due to having a newborn and having permanent and total XXXX as my only source of income. That is all I recall occurred on XX/XX/2023. However, that phone call is evidence and should not be changed or circumvented pending other outcomes.
Additionally, I am providing documentation to the XXXX XXXX XXXX XXXX XXXX over this matter, to be finalized as they previously requested.
I am not finished preparing my federal forms to submit to the XXXX XXXX XXXX XXXX and have not discussed anything with XXXX XXXX XXXX to settle this/ come up with a solution we can all agree upon over the phone.
However, there is another element to submitting a congressional inquiry to my congressmen and senator in regards to XXXX taking advantage of the contract they have with the XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is questionable as to whether or not I will use their separate investigation to submit as a court record or if I should contact the XXXX and XXXX XXXX XXXX or further inquire on the FTC 's record of XXXX and their misconduct as XXXX was previously fined by the FTC. I am not finished submitting my forms to those congressional offices as well.
Resubmitting the same check after I notified XXXX of this pending inquiry in the past is clear documentation as to what I suspect to be fraud. XXXX XXXX state this is questionable or some misunderstanding. But they sure did not clarify that recently as one of the representatives I spoke with in the month of May told me no payment was authorized by me or submitted on my behalf as a result of a phone call, which seemed accurate.
Its not a question of whether or not I am able to repay a debt. I wanted to pay this debt in full, but at the time it was extremely difficult to pay a debt as the only source of income I receive is from a permanent and total XXXX. Then, I see a paper check pending in my bank account in the beginning of May and yes, I was very upset about that. I am glad the check bounced as it would have left me and my children without food and electricity. If these hardships would have been overlooked and we cant remedy the situation for loss of food, we could starve.
Please not the company 's response previously is evidence for every inquiry and complaint I am submitting. And I am also noting no contact has been made with me over the phone to discuss other options. I am only responding to their response here on the CFPB as no communication outside of this interaction was made to me.
|
| 12/09/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
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University XXXX XXXX - Private student loan with National Collegiate TrustI 'm a mother of XXXX boys, and at this time, my boys were very little so being able to leave my home to go to class was impossible. I saw the University XXXX ( XXXX ) commercial and decided to call. The counselor I spoke to was nice ... suckered me right in! He told me that my husband and I did not make enough money and I would need to take out a private student loan on top of the grant and financial aid just to pay for school. The counselor even showed me where to go online to find lenders. National Collegiate Trust was the lender, I was the low income naive person perfect enough to take out the loan ... .but to make matters worse, I drug my now ex-husband down with me ... he co-signed. I did n't have enough credit to borrow money, but together with my ( at the time ) husband, we could borrow. I wound up taking out XXXX loans - both together total {$30000.00}. I wish I had thought about it then, I would have done things totally different. For one, I would NEVER attend XXXX, they are liars and my credits would n't even transfer! For two, I would have NEVER taken out any private student loans! They do NOT follow federal guidelines!
Moving forward ....
A man came to my employer and served a coworker. I was being garnished by XXXX ( Collection agency for National Collegiate ). I did n't even know I had been sued?? So I file a claim for exemption because now I am a single mom raising XXXX boys with XXXX small income. I agree to allow a garnish of {$50.00} per week. Then a horrible event takes place ... .I get laid off. I file unemployment and wait the agonizing time it takes to actually receive an unemployment deposit. While waiting for the first deposit, I call XXXX, XXXX, & XXXX to see if they will continue to accept my {$50.00} a week from my personal account, and of course, they will not. They have already started to garnish my ex-husband {$800.00} a week! He is lower income and helps to support his daughter and our XXXX grandbabies. I have to add that this all took place one month from XXXX. I went to the courthouse and filed a claim for exemption for him. I will update on the status of that hearing set for XX/XX/XXXX at XXXX.
I have been researching and from what I have read, you have to be served to be sued! I was never issued a summons in the first place, and neither was my ex-husband. Also, if private student loans are to be treated as federal loans, then why are they allowed to garnish 25 % instead of the max federal can garnish which is 15 %? National Collegiate wants me to pay back {$30000.00} in 7 years! I thought student loans were 30 years? Also, and this part is important ... ..why would n't my private student loans go into deferment if they follow federal guidelines? Lastly, If private student loans are not discharged in bankruptcy, they why do they have to get a judgement before they can garnish ; whereas, federal student loans do not have to seek judgement. Sounds like private student loans should be considered credit cards or regular loans to me. I will never be able to pay back {$30000.00} in 7 years and neither will my ex-husband. If we could do that, we would be driving around in really nice vehicles! My vehicle is a XX/XX/XXXX, I live in an all-bills-paid apartment complex in a lower income neighborhood. Please help me in any way you can! If they continue to garnish my ex-husband, that only takes away from our individual family needs! How will we live?
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| 11/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Servicemember |
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Following up on Identity Thief and bank account being unlawfully withdrawn from in XXXX. My XXXX XXXX has had to be replaced 4 times since speaking with the Officer about suspicious activity on my accounts in XXXX.
After more than a year of waiting for XXXX XXXX XXXX XXXX to comply with their contract.
Ive contacted more than eight people inside XXXX XXXX XXXX XXXX and over 87 calls into TSI Transworld in the month of XXXX.
starting with XXXX who locked the account and prevented me and witnesses from logging into my account for over 8 months. XXXX, XXXX XXXX ( Her supervisor ), Mr. XXXX, refused to follow up for more than " 40 '' weeks. XXXX the Vice President was made aware in XX/XX/XXXX. XXXX and XXXX lied on record multiple times and also on the phone conversation. In XXXX of XXXX, I was informed that the Dept of Treasury was moving ahead and garnishing my wages. Despite each of the above people not telling the truth on record and recorded on Transworld 's and Exchanges phone system. XXXX XXXX was also recorded threatening me to take " ALL my money '' " AS this is an ATTEMPT to COLLECT A DEBT '' as well as a {$10000.00} fine? which would be enforced by whom when I was a paying customer? So ruined my credit, stealing my identity, raising my interest rates on car loans and repairs, raising my rent, and preventing me from repairing or making payments on the vehicle I did have. This resulted in my having to surrender my vehicle in XX/XX/XXXX because of the Exchange and Transworld. Willingly locking my account, and refusing to work with my Credit Repair Company.
XXXX threatened at the end of the call to take " ALL of the Treasury ' check. after I received numerous letters from the Dept of Treasury.
-None of whoever returns calls and it doesnt go very far as much as just looking to see at all the XXXX reviews that are negative. But then after talking with two of my neighbors here locally. And a third at the pool who are all XXXX XXXX. When I tell them what the exchange is doing to me they tell them the same thing is happening to them and their family as well.
It seems that the XXXX has a culture of not telling the truth and lying from the bottom to the top and that includes their subcontractors like TSI decide whom they hire out. Na what contracts they honor while stealing my information. Threatening to have my XXXX garnish, asking for 5 copies of my signature and medical insurance account information.
CFPB wouldnt be receiving emails if each of you had done your jobs, to begin with, and that includes protecting my Danity and seeing if any threats are credible or not or worth investigating and if they are youre supposed to pursue them with a full extent of the law that includes military XXXX XXXX security forces XXXX whatever your names are called.
The Lack of attention to detail by each of the Exchange and Transworld staff not following up dereliction of duty.
XXXX XXXX XXXX XXXX XXXX and XXXX are both a national disgrace. They flatly rip off XXXX veterans like myself. Then they tell you that you are on a " pay what you can '' while they sneak around and take the paycheck used to pay for my medical expenses as well.
Someone there at both companies needs to go to jail for felony wiretap fraud aside from losing their jobs. Each employee also bragged about how they couldn't be fired. worth noting. I have sent this message out to every XXXX XXXX org as well as media outlets nation wide and in XXXX and XXXX. BUYER AND VENDOR BEWARE.
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| 01/17/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Need information about my balance/terms
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Web |
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The school is XXXX, a XXXX XXXX, in XXXX XXXX FL.
XXXX XXXX was the lender, but they have relinquished the loan. A company called UAS is sending collection notices for the loan, but would not honor the income based payment arrangement with XXXX. When called, the company instructed us to go to the website. The website instructed us ( The borrower and the co-signer ) to email. After numerous attempts to call and e-mail with no response, we sent in the payment that was negotiated with XXXX. We then recieved late payment notices. We made more attempts to call and e-mail with no response. We sent a certified letter to UAS, which was also not answered. We filed a complaint here, on this website. A man from UAS called on XXXX/XXXX/XXXX in response to the complaint, but refused to identify himself. He said that we had to send XXXX checks to the same address, XXXX remitted to XXXX Student Funding and XXXX remitted to XXXX XXXX XXXX XXXX explaining that UAS is just a third party collector. The co-signer explained that neither of these financial institutions had contacted either the borrower or the cosigner to introduce themselves as the holders of the loan. She explained that without FDIC numbers and the location of their home offices with something in writing showing they were the legitimate holders of the loan, there was no way we would send any more money. The man said he would arrange for these to be sent. UAS then began calling the borrower and the co-signer daily, but when the phone was answered, no one was on the line. On XXXX/XXXX/XXXX, the co-signer called UAS and talked to XXXX XXXX and repeated the nature of the conversation on the XXXX. She instructed the co-signer to call XXXX directly to obtain the information, giving the phone number ( XXXX ) XXXX and saying the company is now called XXXX. The co-signer called and left a voice mail. On XXXX/XXXX/XXXX, XXXX from UAS called the co-signer, but when the co-signer asked her why she was calling, XXXX apologized and hung up with no furtehr explanation for the call. On XXXX/XXXX/XXXX, XXXX from XXXX XXXX XXXX XXXX called the co-signer and said he was returning the voice mail she had left. The co-signer explained that she had called XXXX and asked who was XXXX XXXX. XXXX said they are the same company. He did not tell her why the company was using XXXX names. He then told her that she was not listed on the loan, and he could not discuss it with her, only with the borrower. The co-signer told XXXX that she most certainly is the co-signer and she distinctly remembers signing the loans, but XXXX would not discuss it further with her. After this, the co-signer started to recieve phone calls from a caller with a foreign name on the caller ID - it appeared to be XXXX script, not XXXX alphabet, but it was the same as the UAS calls, no one on the line when answered. The borrower, who had been recieving daily calls with no one on the line began recieving multiple calls from UAS per day, always with no one on the line. Returning the call always results in no answer. Both the borrower and the Co-signer recieve multiple billing statements per week from UAS, and still have not recieved any proof of debt or proof of legitamacy of the financial institutions for which they claim to be collecting. In the period from XXXX XXXX, XXXX to XXXX XXXX, XXXX, the borrower has recieved XXXX collection letters, and the co-signer has recieved XXXX collection letters ( even though XXXX told her she is not the co-signer ).
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| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I recently found out about a case of stolen identity on my credit report. There is an electric bill debt on my report that I realized was from an old roommate who stole my info and opened several accounts under my name. He opened a credit card and this electric service and ran up a {$700.00} debt under my name with XXXX. I got evicted from that apartment and was gone for most of the service period. This happened in XXXX. The debt got sold to a company named Transworld systems Inc and they put the debt on my report in XXXX. I contacted Transworld to let them know I was going to dispute. I sent them a letter first class on XX/XX/XXXX. They sent me back a letter dated XX/XX/XXXX acknowledging the receipt of my dispute. I sent them a letter stating they took longer then XXXX days on XX/XX/XXXX and I sent them proof of my eviction and I explained what happened with the roommate and that he snuck into my room and stole my personal info and signed up our apartment for service under my name and never paid the bill. He was supposed to be responsible for the electricity per our agreement but he opened the account with my personal info and never sent them payment. They sent me back a packet to fill out a few weeks later with an identity theft affidavit which I filled out and sent back. They did not respond until over a month later sending another packet for me to fill out -- the exact same packet they sent the first time, completely ignoring the packet I sent them. I filled it out, yet again, and they sent YET ANOTHER PACKET. I started to feel like they were purposefully ignoring me at this point. This time, I called them. I told them I used the address stated on the packet and asked them why they were not acknowledging the receipt of my filled out packet. They acted like I didn't know what I was talking about and they never received anything and I should email it this time. So I did. I emailed it on XX/XX/XXXX. I emailed them all previous letters, my id, my proof the debt doesn't belong to me, and the identity theft packet. No one has replied to me about my email. They have been ignoring my letters since XXXX. I called a few days ago and spoke to a man that said I'll never be able to dispute the debt by myself. They will keep ignoring me he said. Then he said something that really concerned me, -- he said I need his professional help, it was the only way to even attempt to get the debt removed, and I should give him my financial info. I asked why do I have to give you my card info? He told me because he needed to charge my card to run a credit report. I asked him why I needed him to run my report when he worked for Transworld systems and it was their account. He told me it was because they needed to verify the debt on my report. I really don't feel good about giving a creditor my financial info and this company seems very dishonest anyway. They have taken way over XXXX days to respond. I sent them their identity theft affidavit, with proof the debt is not mine, XXXX different times since XXXX and they completely ignore it. I never gave the man my debit card. I told him I would just call back. I still have not received a response to my multiple attempts to send them the packet since XXXX XXXX and I feel they are playing games with me at this point. I should have just contacted you the first time they took over XXXX days to respond. Please help me get this debt removed because they are not abiding by the law. Thank you for your time in advance.
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| 12/16/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2019, I signed an agreement with XXXX XXXX, XXXX XXXX XXXX # XXXX, Field Inspector ( salesman ) for termite tent system priced at {$4200.00} and bait defense system ( subterranean termites ) priced at {$900.00}. A personal check # XXXX for {$5100.00} was handed to him. On XXXX a roof inspector sent by XXXX found 8 broken tiles. On XXXX the tent was placed over my house for fumigation purposes, on XXXX, post fumigation, the tent was removed. On XXXX and XXXX XXXX acknowledged via e-mail payment of {$900.00} and {$4200.00}. On XXXX the same roof inspector found " 208 tiles broken of overage '' recommending repair for {$6800.00} at " XXXX special price '' commenting 50 tiles " to be covered by XXXX insurance ''. I was out of the country from XXXX through XXXX, 2019. In early XXXX a billing statement for payment overdue dated XXXX for {$900.00}, {$4200.00} and {$540.00} was mailed to my home. On XX/XX/XXXX I received a second payment overdue statement for {$4200.00} for tent treatment, {$900.00} for termite bait treatment and {$540.00} for roof related repair. I phoned and tried to contact XXXX XXXX, XXXX sales manager, and details are memorialized in the attached letter dated XX/XX/XXXX and XX/XX/XXXX. On XXXX I received a XXXX bill " amount due immediately {$540.00} we may report information about your account to credit bureau. Since then I have phoned XXXX XXXX on XXXX and XXXX. I left messages on his phone but he never returned calls. On XX/XX/XXXX, XXXX from XXXX XXXX call in center called me requesting payment. I replied that I need to talk to a supervisor. The call was transferred and placed on hold and cut off without talking to anyone. On XXXX I received a collection invoice from Nationwide Credit , Inc., XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX originated by XXXX XXXX Account # XXXX for {$5000.00}. On XXXX I phoned the Federal Trade Commission for assistance and I am following their advice. On XXXX the CFPB mailed me forms Re : Complaint Number ( s ) XXXX. On XXXX I phoned XXXX representative XXXX, XXXX from the XXXX answered. I told her my concerns and she will connect me with XXXX XXXX, Division service coordinator, and she phoned me from XXXX Arizona at noon time that day. Details were given including invoice debt dispute for {$540.00}. On XXXX I mailed a letter to Nationwide Credit , Inc. notifying that I am disputing the validity of the debt. On XXXX at XXXX, XXXX from Nationwide phoned me requesting payment for {$590.00}. I told here that I had sent a letter disputing the debt. On XXXX I mailed Miss XXXX a request to talk to her. She returned my call promptly and I told her that I would email a copy of my letter to XXXX XXXX dated XXXX and second request dated XXXX with additional details. ( see attachment ) On XXXX she acknowledged to have received above documents and has sent those document to XXXX XXXX, the branch manager, and XXXX XXXX, sales manager and said she will follow up with me in a few days. THE CENTRAL ISSUE is a bill for {$540.00} and as of XXXX {$590.00} for roof repairs on a collection invoice. The XXXX agreement I signed on XXXX, 2019 is completely silent and says nothing about insurance cost, coverage, exclusions for roof damage, roof related repair. My view is that XXXX representative behavior is tantamount to FRAUD followed by INTIMIDATION and most recently EXTORTION by demanding payment for a service never disclosed in the agreement and the expressed threat to ruin my credit history.
|
| 10/18/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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XX/XX/2019 Student Loans XXXX XXXX XXXX XXXX XXXX and University Accounting Services Unfair Lending Practices Are opaque lending practices really allowed under our Fair Lending Laws? During a phone conference, in which several participants from both University Accounting Services ( UAS ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ), a UAS representative, when questioned about the lack of transparency in their lending practices, affirmatively indicated that UAS lending practices are more opaque. This letter serves as a formal request to both UAS and XXXX to retain the recording of that specific phone conversation from Monday, XX/XX/2019, as well as any and all other phone conversations involving the subject at hand. Below is the background which has brought this matter to where it is now We have a student loan with XXXX, which is serviced by UAS. The loan is currently interest only. Upon graduation, the loan will move to full repayment, principle and interest.
Numerous attempts by email and phone have been made to understand how payments are being applied to the student loan. Ultimately having to leave a message with the President of XXXX, XXXX XXXX, was the only recourse before anyone would attempt to provide any meaningful assistance.
Despite repeated requests, UAS can not and does not fully disclose the total monthly interest due every month. We continually receive payment notices where the payment due is {$0.00} or less than {$100.00}. Every month we pay in excess of {$500.00}, yet the principle balance never declines. Why?
During one call, a UAS representative informed me the statements were not correct and that interest accrues daily on a variable interest rate loan. I asked again if my statement has {$00.00} balance due this month and I remit {$520.00}, why isnt the principle balance reduced when I specifically requested that the extra payment be applied to principle. The answer from UAS -- that we were past due on interest, yet no notice was provided to me by UAS as to the past due interest. The UAS representative responded that interest collects in another bucket. I asked why I was not informed of this other bucket, and why is there no transparency on their statements as to exactly what amounts are due ( both principle and interest ). How can a lender intentionally not report total interest due and not have to fully disclose any past due interest? Furthermore, UAS could not, and can not, provide a full reconciliation of our loan account.
And in addition, when the loan moves to full repayment, all of the other bucket ( past due interest ), which has never been disclosed to me, will become part of the principle balance, and we will have to pay interest on interest.
How, and why, is it permissible for XXXX and UAS to hide interest? This is not transparent or fair lending. How many thousands of student loan accounts are involved? Its no surprise that students can never get ahead of their loans. These practices are misleading to consumers and raise questionable ethical and fraudulent business practices.
Its time for lenders to be held fully accountable for their student loan portfolio lending practices. If they are allowed to continue with opaque lending practices, students will never have the opportunity to get ahead of these loans or pay them off.
By this letter, I am respectfully requesting that that both XXXX and UAS lending practices be thoroughly investigated for compliance with all laws and regulations.
|
| 07/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/1970 XXXX To Whom it May Concern, I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting.
2. Verification of their claim against you, that is, a signed Invoice.
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' First off, my address is listed above. This is my one and only address. I have never resided at : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Please remove all addresses that are not the following listed below from profile XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 08/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I signed up for lawn service with XXXX sometime in XXXX XXXX. During XXXX XXXX thru XXXX XXXX, I 've called them a few times concerning my XXXX. They do have a policy in place that they will do whatever it takes to keep a lawn green and healthy. However, my XXXX declined after I signed up for service with them. In XXXX XXXX - XXXX XXXX, I called and requested to speak with a supervisor since my previous attempts with a regular staff were unsuccessful. I spoke with XXXX in which he is a supervisor from the XXXX, FL office. He scheduled and performed an onsite inspection / evaluation of my lawn and stated that he obtained a sod sample and sent it in to a lab for evaluation. I spoke with XXXX again in XXXX XXXX, 2-months after the sod sample was sent to the lab for evaluation in order to follow up on the results. He stated that the results were not in yet and that my account was canceled. I informed XXXX that I did n't cancel the account. He stated that he would get back with me and never did as of XXXX XXXX. On XXXX XXXX, XXXX, I called XXXX and spoke with XXXX regarding an invoice for Service Date XXXX/XXXX/XXXX, in which I was charged {$49.00} XXXX times. XXXX stated that XXXX charge was for XXXX and the other charge was for Lawn Service. I explained to XXXX that I never requested XXXX and also explained to him that the Lawn service charge was a Follow-up service call in which is free of charge. He stated that he will escalate the issue to a billing supervisor and that someone will call me back. On XXXX XXXX, XXXX, I spoke with XXXX from the billing department and he stated that he was going to correct the invoice for me in order to reflect a zero balance. And that I was n't supposed to be billed for either of the services. XXXX XXXX, I received a notice from a collection agency stating that I owe {$140.00}. I 'm assuming that is for the Invoice date of XXXX XXXX, XXXX in the amount of {$99.00} in which XXXX was supposed to correct for me and also for an additional {$49.00} charge that I was billed on my credit card on XXXX XXXX, XXXX, for a lawn service call in which I disputed with my credit card. On XXXX XXXX, XXXX, a lawn tech approached my brother and he stated that he did n't have enough of some type of chemical needed to service my lawn and that he would reschedule the service call. XXXX still billed me for that service call and no one in the family saw a XXXX tech in the month of XXXX again. I made comments to XXXX of my neighbors regarding the issues that I 'm experiencing with my lawn and XXXX. XXXX of the neighbors stated that they have witnessed a XXXX lawn tech barely spraying my lawn on several occasions and then sitting in their service vehicle longer than what they spent on the lawn. And it surely explains why my lawn 's health was not the best until the XXXX XXXX, XXXX, follow up service call was performed. Just a recap of the billing dispute : Billed in error in the amount of {$99.00} for a Follow Up Service Call and a XXXX XXXX XXXX XXXX that I never authorized. And {$49.00} for a service never performed in XXXX XXXX. Also, the quality of their lawn services have n't been performed properly and it could be the main reason why my lawn 's health declined after I switched to XXXX on XXXX XXXX. Final comment : Why is XXXX billing consumers {$49.00} for XXXX XXXX XXXX XXXX if that is part of their regular Lawn Service. Well, at least that 's what I was informed when I signed up for their Lawn Service.
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| 09/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX, I received a call from Transworld Collections to collect on a debt from a company XXXX XXXX. They provided no additional information. I did not recognize the company name or billing amount, so I asked to receive a bill in the mail stating services rendered, amount due, etc.
I never received that information, so I assumed it to be an error. I received a call today XX/XX/23 from Transworld Collections again on the same debt. I asked them again to send me information to review so that I could validate if this claim was correct. I told them that I asked for this before and never received it. They acknowledged that I did in fact request validation in XXXX.
I then followed up searching XXXX XXXX and contacting them. They have no record of me as a customer and stated that they do not use Transworld Collections. They recommended me contacting insurance. I did so. Insurance wanted me to pay them directly to a different company name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an invalid scam robot message service for First Alert devices ). I told them I would not put my banking routing information online to a company that didn't match the Explanation of Benefits XXXX XXXX XXXX or the Transworld Debtor XXXX XXXX XXXX. The insurance company called Transworld on my behalf.
After being on hold for about 20 minutes while the insurance agency call Transworld to get a bill for me, both agents came back on the line to validate information so they could talk to me. I again requested information on the debtor and the bill. I was able to get the name again XXXX and a date of service. I stated again that I never received a bill from XXXX. The Transworld agent recommended I called them directly. I told her that I did, and in fact, they confirmed that they have no record of me. They also confirmed that they did not turn me into Transworld because they don't use Transworld.
At that time, my healthcare insurance agent jumped in to say that I did receive a bill from them. I told her that I had not, that in fact, there was an Explanation of Benefits online only and not a bill from them or any provider. I reiterated the points that the provider names don't match on EOB and card payment portal. That not only do I not remember having the service provided, that I certainly never received a bill from anyone or any proper notification from Transworld on the attempt at collection. The insurance agent told me that I could go and she could speak to Transworld on my behalf. I stopped her and told her after her " billing comment '' she clearly didn't have my best interest. I asked the Transworld employee to again send proper notification of the debt and again verified my address. I told her that I needed to validate if the service was actually rendered, who the provider was, and if in fact it was that I hadn't already paid. She left the call.
I then stayed on with insurance I again reiterated my frustration about being sent to collections without proper billing and/or communication from a service provider.
It is worth noting that immediately following the call ( 11 minutes ), I received 6 separate text messages opting me into different XXXX notifications. I attempted to appeal the claim on my insurance and was unable to do so.
This makes me think there is something going on between Transworld and the insurance agency. Certainly, there was not proper notification here from any party before and after collections.
|
| 09/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
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XXXX University, XXXX FL, is owned by XXXX Colleges. I took out a private loan through XXXX University called a XXXX Loan for approximately {$4600.00} on or about XXXX of XXXX to cover the part of tuition not covered through the Federal Student Loan program. XXXX switched the loan servicer from XXXX to UAS, LLC ( University Accounting Service ), PH # XXXX XXXX on or about XXXX XXXX of which I had no control over.
The following is an excerpt of what has happened to XXXX Colleges : " XXXX and XXXX borrowers : On XXXX XXXX, XXXX, the XXXX announced new information about this relief. The Department has found that between XXXX and XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX " XXXX '' XXXX, as well as XXXX, misrepresented job placement rates for many of their programs of study.
The Federal Court ruled that ALL student debt for students attending XXXX Colleges/ XXXX University is to be fully discharged for those attending between XXXX and XXXX. XXXX responded to me the XXXX University Loan in question was transferred to University Accounting Services ( UAS ) and they are not the " loan servicer '' any longer. I did NOT request this change nor did I have any control over this change. I feel XXXX transferred this loan to UAS to avoid paying what was due to defrauded borrowers as they were aware of the lawsuit and impending decision.
The following is an excerpt from the CFPB website ....
" In XXXX XXXX, the CFPB sued XXXX XXXX XXXX XXXX for luring tens of thousands of students to take out private loans, known as " XXXX loans, '' to cover expensive tuition costs by advertising bogus job prospects and career services. The lawsuit also alleges that XXXX used illegal debt collection tactics to strong-arm students into paying back those loans while still in school. Under the XXXX loan program, nearly all student borrowers were required to make monthly loan payments while attending school. '' ... ... '' Provide more than {$480.00} XXXX in debt relief to XXXX victims : Although XXXX Colleges will no longer operate the schools, tens of thousands of students remain saddled with debt incurred under XXXX 's alleged predatory and illegal lending scheme. XXXX worked with the CFPB and XXXX to secure {$480.00} XXXX in debt relief for borrowers who took out XXXX high-cost private student loans. These students will see an immediate XXXX percent reduction in the amount that they owe on outstanding private student loans. " XXXX CollegeXXXX University promised me job placement when I was being recruited and never fulfilled their promise. I felt abandoned by their job placement / career services department and am still paying for this loan. I feel the 40 % reimbursement DOES apply to me. By XXXX stating they are washing their hands of this matter, as they say the loan was transferred to UAS, is not an appropriate resolution. I am a victim of fraudulent practices by XXXX College/XXXX UniversityXXXX Lending and now University Accounting Services ( UAS ) LLC, and request a 40 % reduction of the original Genesis loan amount of {$4600.00}. That amount equates to a {$1800.00} refund in accordance with the federal settlement. Furthermore, UAS violated federal and state laws by purchasing so-called " XXXX '' loans trying to collect on them. UAS knew at the time they purchased the loans that XXXX had been accused of engaging in misleading and deceptive tactics to enrolls students, and, in turn, pressure them to take out the costly loans.
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| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I received a letter from Transworld Systems Inc. dated XX/XX/XXXX to collect anunpaid debt for XXXX in the amount of {$260.00} File # ( TSI ) XXXX XXXX Invoice # XXXX XXXX XXXX First and foremost, I have never held and account with XXXX of any kind!!!
XX/XX/XXXX - I sent a Verification of Debt letter to TSI vie Priority Certified Mail Tracking # XXXX ( have receipts for this if needed ) XX/XX/XXXX @ XXXX PT- Called XXXX revenue services @ XXXX and spoke with XXXX or XXXX. The rep told me " this is an error and Transworld has been made aware of this known issue ''. " This is 100 % not my invoice or my debt ''. " Transworld has been sending incorrect info to customers ''. Said she would work with her supervisor & other teams to correct. She refused to send me ANYTHING in writing confirming what she was telling me over the phone.
XX/XX/XXXX @ XXXX PT- Called TSI @ XXXX and spoke with XXXX XXXX XXXX XXXX stated " this is a billing error and it is not my debt ''. I asked for something in writing to support this even and email and she refused. I asked to speak with supervisor and was then transferred and HUNG UP ON.
XX/XX/XXXX @ XXXX PT - Called TSI back and spoke with XXXX XXXX XXXX She was very combative from the start of the call and at first refused to answer my questions. She then put me on hold and when she came back she stated " the file is not coded correctly ''. I asked what that meant and she stated " the file is now coded correctly and will now be sent to management ''. I then asked what that means. She stated " TSI will now work with XXXX and the file should be closed this Thursday XX/XX/XXXX or Friday XX/XX/XXXX ''. I then asked for written proof of this and she refused. She stated " if you want a closure letter you need to pay the debt ''. To which I replied, " NO ITS NOT MY debt!!! '' I then asked to be transferred to a supervisor. The rep said a supervisor was not available. I told her I would wait and she stated " I don't have time for that, you can call back ''. I yelled at her and she hung up on me.
XX/XX/XXXX @ XXXX PT - Called TSI back a 3rd time and spoke with XXXX XXXX . I provided him with the file # and he stated " This is a billing error and it has been placed under supervisor review to be cancelled ''. He said " this is a result of XXXX billing issues and 95 % of his calls are due to these ERRORS '' I asked for something in writing confirming this and he stated " i have spoke with my Lead and there is nothing we can legally provide you or send you, not even an email ''. He said the call is recorded and that is my proof.
XX/XX/XXXX @ XXXX PT - Called XXXX revenue services and spoke with Sue. She refused to give me any identifying info ( EE ID, last name etc. ). She stated the debt was for {$220.00}. Then stated " one moment while i get this removed ''. I asked why this had happened and she stated " because the ZIP or Address was transposed ''. She stated " this is a billing error and it has been corrected ''. I asked for something in writing to support this and she refused. She stated " our call has been documented under the invoice # ''.
There needs to be a inquiry into why XXXX is sending incorrect billing info to a collection agency who then turns around and seeks payment from people WHO OWE NOTHING.
At this point it is clear this IS NOT MY debt!!!! All I want is something in writing from one of these companies confirming this.
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| 12/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, XXXX door-to-door sales people made false promises to my husband and myself ( we will both sign notarized affidavits if necessary ) regarding services, fees, cancellation policiesand almost every aspect of the sale.
When we attempted to modify service in XX/XX/XXXX, per the contract and promises we were sold upon, XXXX employees were discourteous, inappropriate, and threatened to levee exorbitant fees of {$350.00} ( just for changing, rather than canceling services ). We sought to rectify the problem and spoke to a supervisor named XXXX XXXX we recorded this and other calls ). We informed her that based on services and false promises, we were canceling and would not pay the cancellation fee.
The supervisor, XXXX, finally said okay, to the lack of fee and admitted that it was a " training issue. '' I recorded the call. I have a subsequent, screenshotted chat with a XXXX employee where they acknowledge that okay was said but then debate the meaning of the word " okay. '' It is defined as acquiescence.
XXXX then submitted a form to my bank for the one-time fee as a recurring payment, a lie, which constitutes fraud.
My bank, XXXX XXXX, credit my account with the returned funds and found in my favour as soon as XX/XX/XXXX.
It is also worth noting that the original promises XXXX refused to honour and stated did not exist and were not made then appeared online and in mailings sent to our home that I have retained ( promises including no contract, no fees, either cable or internet, ability to modify/downgrade at anytime ).
It should be noted also that, regardless of the issue with the false promises -- which is serious -- and the fact that, in an interview with a XXXX employee in XXXX, I was told that those sales people were fired, the issue now is that I have been hounded by XXXX ever since. They have sent numerous credit agencies after me and, as recently as XX/XX/XXXX, hurt my credit report with a filing against me for the money, which XXXX XXXX retrieved ( I have retained the letter in which the claim was found in my favour and I was credited the money ). I do not owe XXXX any money. If they now have an issue, it is with XXXX XXXX. I am being harassed and emotionally distressed, and my financial standing is being compromised all so they can obtain {$670.00} that I was already provided via an accredited financial institution.
XXXX fraudulently applied to the bank for the money and now they are willfully pursing a former customer with malicious intent for a debt that is not owed. It is criminal. I demand that my credit score be restored. I demand that XXXX cease and desist the harassment and discharge the erroneous debt immediately. And, if they can be charged for the harassment and pursuit of a debt they are aware I do not owe ( I told several debt collection agencies and provided my letter from XXXX XXXX ; I spoke with numerous XXXX employees ; I recounted the story and provided proof to no avail. I have recorded conversations with XXXX employees in the billing department ), I would appreciate that the CFPB go after them with full force. I am sure I'm not the only customer they do this to and they ought to use consumer money to fund services. Or charitable donations. Instead, they are causing real distress and wasting my personal time. I would like to be remunerated for the time I have spent on this ridiculous venture.
Thank you for your consideration!
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| 05/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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I am a receipt of Transworld Systems Inc. ( TSI ) unsigned response to CFPB complaint XXXX, dated XXXX XXXX, where your have stated quote, " XX/XX/XXXX ( Via CFPB Portal ) XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Re : Our Reference No. Creditor XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX Former Creditor : XXXX XXXX XXXX Account No. : XXXX Transworld Systems Inc. ( TSI ) has received your complaint dated XX/XX/XXXX filed with the Consumer Financial Protection Bureau. TSI has researched this matter and the findings are set forth below : The above-referenced account is closed in TSIs system. It is TSIs intent to have no further communication with you regarding this matter. Further inquiries may be directed to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, GA XXXX. We appreciate the opportunity to respond to your inquiry. Very truly yours, TSI Consumer Affairs '' According to the Fair Debt Collection Practices Act ( FDCPA ), any debt collector who contacts a consumer claiming they owe payment on a debt is required by law to tell the consumer certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor.
On XX/XX/XXXX at approximately XXXX XXXX, Transworld Systems Inc. made initial contact calling from XXXX XXXX, the representative stated he was calling from Transworld Systems Inc. and at no time during the conversation did the representative provide the amount owed, that l could dispute the debt, that l could request the name and address of the original creditor, if different from the current creditor.
Furthermore, ( FDCPA ) states that if the debt collector doesnt provide this information when they first contact you, they are required to send you a written notice including that information within five days of the initial contact.
If the agency contact me on XX/XX/XXXX and their only response is acknowledging my CFPB complaint XXXX, dated XXXX XXXX, would indicate that they are in violation of the ( FDCPA ).
Transworld Systems Inc. is required to send a written notice including that information within five days of the initial contact which would be XX/XX/XXXX. Because TSI has fail to respond in a timely manner, revealing a violation, I am resubmitting my complaint to add a new finding.
The CFPB has informed me from previous complaints that an agency should not combine new and separate complaints as duplicates.
For the agency to provide only the response, quote, " This account is closed in TSIs system. It is TSIs intent to have no further communication with you regarding this matter. '' " Further inquiries may be directed to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, GA XXXX. ", Is insufficient and does not provide any standard set forth by the ( FDCPA ).
Please note that XXXX XXXX XXXX XXXX did not contact me, TSI is the one who made initial contact and TSI should be held accountable and follow the provisions and requirements set forth by the ( FDCPA ).
Up to this point, I am still waiting for the information TSI Is required to provide and not to be pushed off to the current creditor.
If the agency log this complaint as a duplicate I will have no other choice but to move forward with expanding thisnew and separate violation.
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| 10/21/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This complaint is about Transworld Systems. I had several accounts with XXXX XXXX. physicians, XXXX. I paid off all of them ... but one. I honestly did not know I had an outstanding bill. I thought the bill was paid in full but is was not and it went to collections. I received two weeks ago a mailed statement by Transworld Systems for the XXXX XXXX balance. {$1200.00}. I tried to call and set up affordable payments and get due dates to Transworld but when I called they could not find my acct. information by name, number, SSN. I had tried several times to get them payment. Since I was not successful by phone I used the mailed statement from Transworld and set up an account online using the website, registration code and directions they provided to me in that statement. I set up my profile and logged in. I was going to make a payment to them but logged out since they did not take the only form of major credit card that I have. Today, I tried to log back in to their website so that I could contact them and I have not been able to access my account. When I try and log in my user ID and Password SEEM to work but my verification question answers do not. The screen tells me messages that my SSN is wrong or my telephone number information is wrong. That is not the case since they worked before. I really think that log in is a kind of dummy acct so that they can initially get more information or it is just a scam or they lock it once they have your information. The contact telephone number they provide to reach them for log in help on verification screen does not even work! I called another number from the statement and I finally got a representative and he had my information this time. I was told by him that he ca n't give me any information about my account besides the balance I owe until according to the rep. that I " Go to XXXX and get a prepaid Visa or XXXX to pay my bill only then ( they ) Transworld, XXXX XXXX ( sp ) the rep. can set up payments and give me my acct. access online to pay my debt! They asked for a full amount. I said I can do payments and I will mail a check and that is when the rep. had told me to go to XXXX for the PrePaid Visa card and then once I have it to call him back ; he would be there till XXXX XXXX. He was polite. I told him I do not live near any XXXX ... frustrated I ended the call. Why do they make it difficult!!!! They want all my information but wo n't give me information, they want the full balance due on my medical bill. I ca n't pay online, they do n't take my brand of major US credit card and they do n't want me to write a personal check- the statement states that I can send a check! So that is what I am going to do and for the amount that I can send. What more can I do? I am more than glad to pay for my outstanding debt but I just ca n't get seem to get them my money. Why do they need to make it hard for me to pay them! I even tried to speak with the original debtor, XXXX XXXX to confirm that Transworld is really legit. Transworld seems disorganized and scam like. I asked if XXXX could retrieve it from Transworld ( since they take my credit card ) and they said no. Do either company really want my money? Transworld communications feels like a scam. Bad service and bad business practices by Transworld Systems, ( XXXX ) XXXX. I contacted THEM to make a payment. Again, why be so difficult. Two weeks dealing with this so far ...
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| 03/28/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Having problems with customer service
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Web |
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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.
|
| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I am filing a complaint again due to the agency failing to understand where they have conducted unfair practices and deception behaviors. As stated under the fair debt collection act 15 U.S.C. 1692 Additionally, in their first communication with the consumer, debt collectors are required to notify debtors about their ability to challenge the validity of a debt and to provide other basic information.Notify the consumer of their right to dispute the debt ( Section 809 ), in part or in full, with the debt collector. The 30-day " 1692g '' notice is required to be sent by debt collectors within five days of the initial communication with the consumer, though in XX/XX/XXXX the definition of " initial communication '' was amended to exclude " a formal pleading in a civil action '' for purposes of triggering the 1692g notice, [ 30 ] complicating the matter where the debt collector is an attorney or law firm. The consumer 's receipt of this notice starts the clock running on the 30-day right to demand verification of the debt from the debt collector. [ 19 ] Reporting false information on a consumer 's credit report or threatening to do so in the process of collection [ 28 ] The complaint again that I have stated the first time and nothing is being done on the company end to remove my account from the credit bureaus immediately. ask I have stated that they have FAILED to notify me of the debt. they have placed it on my credit report first before they have sent me a written letter.
I received a notification on my credit report that a new debt has been added to my credit report in XX/XX/XXXX from TSI/XXXX. I contacted the reporting agency via phone to see what this was regarding the amount of {$100.00}. I was told that it was for a medical bill I explained to them That I not once received a letter stating that a debt was owed for this medical bill and that they are violating the fair credit reporting act / fair debt collection act. Because I never received an original letter of the right to dispute or a letter stating that it will be reported on my credit report or resolved it before it went toward my credit report. The female that I talked to was extremely rude on the phone and refuse to understand what I was explaining to her how I know these laws are out there to protect the customers and she treated me like I did not know what I was talking about which the conversation ended in a verbal screaming, cussing, and match. I even stated that I will dispute it because I never received the right to dispute and she stated dispute it your not going to win it still will be on your report regardless which I find that is a complete abuse of authority I was originally wanting to resolve the matter before it went to my credit report but I was more upset that it went on my credit report because I did not want any damage done to my credit score. 3 weeks after the incident I received a letter for the amount I never received the original right to dispute before it is reported on my credit report before any damage was done to my credit score.
As I have stated the laws in the first half since they do not believe that they have done any wrong the company response can be read on the last complaint as well. I believe that no corrective actions are being conducted such as removing the debt from the credit reports since they have violated to notified me of these " owed '' debts.
|
| 11/27/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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In XX/XX/XXXX I had to hire an attorney to help me with a civil lawsuit for some very old private education loans because I was being sued for 8 separate private student loans originally taken out from XXXX XXXX between, XX/XX/XXXX and XX/XX/XXXX.
My attorney worked on my case for over a year to prepare us for court, but though I knew I had never made ay payments and believed the loans to be too old to collect on, compounded with the fact that they had changed hands numerous times between the time I took the loans out from XXXX XXXX to the time the XXXX XXXX XXXX XXXX XXXX sued me, my lawyer decided I should settle with the collection agency and agree to pay the loans as well as the incredibly compounded interest.
We never even went into a courtroom. No one ever produced any paperwork signifying they owned the loans, that the loans had not already been charged off by XXXX -- I had told my lawyer I had had to pay additional taxes one year because of charge off notifications. Decisions were made about my future and my children 's future in a little room where I was not invited in and I was handed a judgement in XX/XX/XXXX of graduating monthly payments to be made, seemingly, forever.
I began making payments and by fall of XX/XX/XXXX, my payments were now going to yet another collection company by the name of XXXX XXXX XXXX. My bank denied the payments to XXXX XXXX XXXX at first because it was an unannounced and unfamiliar company seeking the funds from my account. I revised the payment methods with some hiccups due to their not being able to access the funds from my savings account -- where I was transferring part of my check from work every month to make the payments -- and eventually began making payments now to XXXX XXXX XXXX. I made payments to them from XX/XX/XXXX to XX/XX/XXXX at which point the payments were too much for me and thinking back to a closed-door conversation with a lawyer wherein he told me if it got to be too much I could declare a bankruptcy because the private student loans were now a in a judgment, I stopped making payments thinking that would be the route I would have to go in order to keep my head above water for my children and myself.
In XX/XX/XXXX I met with a lawyer who told me I could not discharge the debt but since no one had been in touch about the payments to wait and see if they got in touch. As it happened, in XX/XX/XXXX a friend sent me the article in the XXXX about XXXX XXXX XXXX and the lawsuits against them because of lack of paperwork and trying to collect on loans that were too old. I sent that article to both my attorney from the lawsuit and to the attorney I had hoped would be able to help me discharge the judgement.
I did not hear back from either one.
On XX/XX/XXXX the offices of XXXX XXXX XXXX attempted to garnish my wages through the State of CT Superior Court in XXXX XXXX for this very same XXXX trust debt. I submitted a claim of exemption form with a description of the circumstances involved and attached on article outlining how XXXX and its affiliates are currently barred from collection actions due to the ongoing audit on their portfolio of XXXX, XXXX private student loans.
I have subsequently been given a court date to provide evidence to support my claim that there was the possibility of illegality in the way in which I was sued for payment for outdated loans.
|
| 04/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX, via a debt from XXXX, BOTH with horrendous track records and even federal suits for their practices, have falsifed phone records and dates related to a " supposed debt '' and now are either unreachable, not willing to provide any records or proof, and are extending the date of the supposed debt to keep it on my credit report in order to maintain leverage. I spoke with our cable/tv/internet provider, XXXX XXXX, and they verified that from XXXX XXXX - XXXX, we had our services through them. On our credit report, it shows XXXX, via their company Transworld Sys Inc, claims a debt of {$310.00} owed for XXXX service. Again, we cancelled this service in XXXX, as proven by XXXX 's records and other evidence. After not in any way being able to get through to anyone at Transworld for hours, being sent to dead end numbers, etc, I called XXXX XXXX. They also refused to produce any proof, even if I was willing to pay the debt, because it was sent to collections, although apparently XXXX after we stopped paying. They had changed the dates from XXXX to XXXX, and said my wife called in to say " we couldnt afford the service '', made a payment for what was owed, but then, becuase they say " she didnt discontinue the service '' ( which is a lie, because she ordered XXXX, and the entire incident was XXXX not XXXX ), they kept billing. Even now, they say if I give them {$410.00}, even though they can and will provide no proof ( and I can so they will not ) they will only " discontinue the service '', now XXXX years after we did cancel it, even XXXX years after they said we last called and paid. But they can not remove it or mark it paid becuase I would have to do that with XXXX Transworld XXXX who I can not get anyone to even discus taking payment for this fraudulent bill. Then, Transworld, did a {$310.00} " write off '' in XXXX XXXX, making it look like a new debt and resetting the seven yr period, almost a XXXX after I last had this service. NEITHER company will provide any proof, address the credit issue even if I pay this fraudulent bill, that all it would take it XXXX of them changing the notes and date in their private records, and then Transworld making a " Credit Action '' in XXXX, right in line with their deviant and criminal corporate history that has landed them in hot water with the FTC previously, and in court- and losing the case. I am disgusted. Even I WANTED to pay for this pile of lies, I have no counter-party, no bill ( because I live in another state ), no one who will provide any record, no one who will agree to mark it paid if I were to pay for this fraudulent bill ... nothing. BOTH companies should be fined for their illegal activities and my credit report made right unless something besides the provably wrong " records and notes '' in their internal systems, not to mention them intentionally not disconnecting the service when we asked it be in XXXX of XXXX, ALL designed to produce this outcome in which the consumer has no way to defend themselves ( it has been a XXXX ) and no recourse whatsoever. No one will even send a bill. They dont even know my address. These people should all be jailed. Please live up to your name and " Protect the consumer '' from these predatory and illegal actions, as these companies operate with such impunity and arrogance knowing there is nothing that can be done t stop them
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX XXXX XXXX Dear XXXX XXXX XXXX, I have a fraudulent account that your company is reporting on my credit report that is a result of fraud and identity theft. I have filed a Police Report, Federal Trade Commission Identity Theft Report, and IRS Form 14039 Identity Theft Affidavit with the Criminal Investigation Department of the IRS ( See Attachments for Certified copies ). The address you are reporting has been included in the Police Report and reported as fraudulent I've never lived at that address. I request that this unauthorized item and alleged account to be removed and deleted from your file, records and/or system and you update the major credit bureaus to do the same. The following collection : TRANSWORLD SYSTEM INC ( Original Creditor : XXXX XXXX XXXX XXXX, Account Number : XXXX, Amount : {$900.00}.
TRANSWORLD SYSTEM INC continues to try to extort monies from me when no monies are due. In actuality TRANSWORLD SYSTEM INC owes me ME money. Month after month they continue to furnish negative information to the credit bureaus. I have no knowledge of account XXXX. I've called the alleged creditor XXXX XXXX XXXX and they have verified " NO ACCOUNT WITH THE SSN ENDING IN XXXX OR NAME IS IN OUR SYSTEM OR RECORDS. '' I contacted TRANSWORLD SYSTEM INC by way of Affidavit sent Certified Mail Return Receipt Requested with an Affidavit of Mailing. A copy of the Affidavit has been attached to this complaint. They've obtained my information by way of Identity Theft pursuant to OCGA 16-9-121. They've included that information in my consumers ' report in exchange for monetary compensation. Punishing me for the repayment of a alleged debt by furnishing nonpublic information without my consent to unauthorized third parties as a means to ruin my financial reputation is a violation of 18 USC 894. I've requested verification by way of Affidavit, which is to be sworn under penalty of perjury so that I may have the opportunity to hold XXXX XXXX and TRANSWORLD SYSTEM INC liable for making false and unsubstantiated claims against me. You have failed to rebut the Affidavit point for point in a timely manner. In commerce an unrebutted Affidavit stands truth! Also in any court of law, ALL debt must be sworn to. No such documentation exists from TRANSWORLD SYSTEM INC. Not to mention, of why we owed this amount to TRANSWORLD SYSTEM INC , the 1099 OID & all other related tax documents for this alleged account have failed to be produced to me for my inspection. We've NEVER done business with TRANSWORLD SYSTEM INC. Yet instead, we received an informal computer generated dunning letter containing our personal information and some start and end date of some alleged account. Not sure who TRANSWORLD SYSTEM INC is or how they got our information, but due to lack of information and evidence of us owing that amount, I will like to say that this account is fraudulent and kindly ask to have TRANSWORLD SYSTEM INC remove this account from their computer, books, and/or files & cease all collections activities.
Please mail or forward all responses to the Notary address provided herein.
Thank you for giving this matter your immediate attention.
Warm Regards,
|
| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN XXXX XXXX XXXXXXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 11 ) TRANSWORLD SYSTEMS Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ 1. {$720.00}, 2. {$720.00} ] [ 3. {$480.00}, 4. {$480.00} 5. {$480.00} ] [ 6. {$67.00}, 7. {$67.00}, 8. {$67.00} 9. {$67.00} 10. {$67.00} ] [ 11. {$60.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. Please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Sincerely, XXXX XXXX XXXX
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| 02/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XXXX XXXX I received a statement from my XXXX XXXX card showing a charge of {$72.00} by XXXX in XXXX XXXX ( this credit card was on file with XXXX ). I disputed the charge because it was not mine and XXXX XXXX credited my account. Later the same month XXXX XXXX sent me 2 letters, one stating they had contacted XXXX and the other stating they 'd yet to hear back from XXXX regarding the situation ; pending no followup from XXXX, I could consider the matter closed as of XXXX XXXX, XXXX.
However, in XXXX I received a " Past Due '' invoice directly from XXXX for the same charge. I called XXXX on XXXX XXXX, spoke with a woman named XXXX, was able to get details regarding the charge and told her why I was disputing it ( I live in XXXX, the delivery charged to my account was out of XXXX, and the delivery was to XXXX ), and she credited my account and closed it.
In XXXX XXXX I got a demand letter from XXXX stating my balance was past due! Despite it was supposedly closed in XXXX! On XXXX XXXX I called XXXX, spoke with a woman named XXXX in the Fraud Department, explained the circumstance, and she opened a case ( # XXXX ). I got a phone call from her on XXXX XXXX letting me know she had seen a scan of the delivery receipt in question ( where I was mistakenly billed ), that it was a billing error ( incorrect XXXX account number entered by clerk ), that it was not fraud but a mistake by XXXX, and the case was closed.
Suddenly in XXXX XXXX I got a nasty " Statement of Recovery Enforcement '' from XXXX XXXX XXXX ( account # XXXX ) on behalf of XXXX, regarding the same charge and balance, despite it had supposedly been taken care of twice already!! I emailed XXXX 's collections department, explaining the situation ( again ), on XXXX XXXX. I then received a letter ( dated XXXX XXXX ) from XXXX XXXX ( not XXXX ) stating they were ceasing collection efforts.
I was away on a business trip with my husband from XX/XX/XXXX-XX/XX/XXXX, and at XXXX point, when I called our home to check voicemail messages, there were a few voicemails from another collection agency in XX/XX/XXXX ( I do n't remember the name of the agency, nor do I have the number of the agent on my case ). I did call the number twice and left voicemails ( I did not write down the name of the individual because I could n't understand the name ), although in my 2nd voicemail I briefly explained the situation and that they need to contact XXXX because it was taken care of. I never received another call and assumed this was ( again ) resolved.
Then on Thursday, XXXX XXXX, XXXX, I suddenly received a " Seriously Past Due '' invoice from Transworld Systems Inc XXXX file # XXXX ) regarding the same XXXX charge from XXXX XXXX!! Supposedly this had been taken care of three times, presumably four ( when I did n't received a return call in XX/XX/XXXX ) and now past-due charges have been applied, totaling a balance of {$82.00} ( {$72.00} + {$10.00} )!
I am at my wit 's end!! I have contacted everybody I should have to get this resolved, and now I have another company harassing me!! I do n't know what else to do but report XXXX, XXXX XXXX XXXX, and Transworld Systems for constantly contacting and harassing me, for a mistake XXXX made, when I 've made multiple attempts to resolve XXXX 's mistake and had supposedly had it taken care of multiple times!
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| 07/20/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I signed a contract with XXXX At XXXX to place my Dad in their facility on XX/XX/XXXX. My Mom placed a deposit and I paid by personal check for the remainder of XXXX 's rent. The agreement was for XX/XX/XXXX rent to be free. Their contract states that payments can only be made by ACH and I signed their ACH form along with giving them a voided check allowing them to debit my parents checking account. According to their contract, they are to provide monthly invoices and THEY debit on or before the 1st of each month.
My Dad passed on XX/XX/XXXX and all personal belonging and keys were removed and given back to the facility. I assumed that they had debited XXXX 's rent according to their contract and everything was fine. I am on their contract as Financial Responsibility party ( I have authority to sign on my parent 's account ).
I received a certified letter from XXXX dated XX/XX/XXXX on XX/XX/XXXX, saying there is a past due amount of {$1700.00} and to avoid collections I needed to pay immediately. The letter also claims that I was emailed three times with invoices for said amount. Upon receipt I called on XX/XX/XXXX and tried to speak with XXXX XXXX, the woman who sent the letter. She didn't answer and I left her a detailed voicemail asking what the amount was for, as XXXX should have already collected XXXX 's rent according to THEIR contract, so what is this for and I certainly never received any emails. She never had the courtesy to return my call ; so I sent her a certified letter dated XX/XX/XXXX, asking for documentation as to what this billing amount is for, the email address that she used and the invoices she claimed to have sent. She received my letter on XX/XX/XXXX.
She finally responded with another certified letter dated XX/XX/XXXX ( well over a month ), which I believe I received the letter somewhere between XXXX XXXX ( my husband signed for the letter as I was at work ) providing the billing invoices I asked for to verify my parent 's owed the amount she stated and she provided the email address she used to apparently notify me of the balance due. The email address she used was WRONG. They had my correct email address, which they show on the 2nd page of the move-in invoice. So I had NEVER received any communication from her at all and she never provided any reasoning as to why XXXX breached THEIR contract by not collecting XXXX 's rent via ACH.
By the time we received her letter, she had already turned the account over to a collection agency and I received notification from Transworld Systems Inc ( dated XX/XX/XXXX ) that they are attempting to collect the debt.
Upon receipt of the collection notice I called XXXX XXXX at XXXX again..this time she answered and I told her that she used an incorrect email address to send the " invoices '' to me in XXXX, XXXX and XXXX... and she said too bad and that it didn't matter that I never received them..we owed the money and for me to talk to the collection agency.
She literally gave us NO time to pay once receiving documentation from her that we in fact owed it.
Copies of all letters both from XXXX and me are attached. I also sent via XXXX XXXX and fax the same documentation to their corporate office in XXXX, CO along with a letter to their Founder/CEO, XXXX XXXX XXXX I have also filed a complaint with the XXXX
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| 09/30/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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1 ) I rented books from a library with my library card. I never agreed to any debt collector application agreement on my library card. I always assumed that because the library allows XXXX late fees that there would be no debt collection on items and only freeze on the library account as to deny me access to rent further items until I returned the items or paid for the items. Because I can still return the items on a XXXX late fee plan then I should not be obligated to be subjected to a credit debt collect by the library when the good will of the library loan is the XXXX interest fee. In a previous CFPB complaint I recognized credit card companies can take advantage of marketing ploys such as XXXX XXXX thus this debt is not actual debt because there is no obligation to pay off the debt immediately. Thus the library is using a similar marketing ploy like XXXX fees on late books to illegal and fraudulently entice local residents to borrow without an obligation to worry about fees thus when subjected to a late charge that it would be incorrect to recognize any obligation to pay for any charges because no late fees exist such no late contract exists. Because no late fees exist that I do in fact am required to return these items upon continuation of using the library card effectively but I should not be obligated to be pawned off to a debt collector as a concern for fraudulent marketing practices of credit of library loans for which I did not agree to. I believe I am only obligated to return the items or there will be a freeze on my account thus I can pay these charges to XXXX XXXX my account but in no way is this legal to subject a XXXX late fee period where this is obligation to recognize late fees thus the items are not subjected to any late charges in fact and I do. it owe anything to the library unless I am going to continue use of my library card thus the library can write off their charges but I am simply not obligated to recognize any obligation to pay any fraudulent debt scams such for this loan shark where thus library never acted this way prior and that because they have a new library that they did not subject the tax payer to pay for but they are now subjecting a fraudulent loan shark scam that this should be corrected to make sure loan sharks upon which I did not agree to any collection agency agreement where my library card is not a credit card by design and that I should not be under any obligation that I did not specifically agree to.
2 ) Debt collectors are part of the library thus they dont have any real information for which I can appeal thus I am not obligated to speak on a false debts that did not accrue on a debit card or credit card thus my library account is not linked to any bank account thus I am nit obligated to pay off any false or fraudulent charges as id the library card is a credit card company. Even a credit card company allows rollover with interest thus I did not signup for any credit scheme where I was not subjected to any credit bureau review which any debt collection is a concern to repossess something off mine thus is a form of wrongful intimidation. Any library credit check could be deemed illegal thus any debt obligations is a concern for fraudulent loan sharks where I was not approved for any credit line as an obligation to receive a library card.
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| 12/14/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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The original student loan in the amount of {$20000.00} was discharged in a Bankruptcy hearing in XXXX ( see attached ). Even though this debt was discharged, the federal student loan corporation kept harassing me to make payments on it and accept the debt. At the time, I was working as a XXXX for the XXXX XXXX and was afraid it would impact my career, so I opted to pay on the loan to stop the constant harassment. This was the era when there were very few to no consumer protection rights regarding debt collector harassment tactics. Even the Department of Education utilized many debt harassment tactics that would be considered unjust and illegal in todays world. Over the years, I made payments and at certain periods of time the account went into a deferred status and I stopped making payments for a period of time after my lawyer told me that this debt was fully discharged in bankruptcy court and that I should not have been making any payments to the Department of Education or any other entity claiming to own this account. This account eventually fell into a default status and that is when the Department of Education brought in XXXX XXXX XXXX to aggressively go after the garnishment of my wages. I elicited the help of a lawyer ( XXXX XXXX XXXX ) to represent me to the Department of Education regarding the aggressive tactics taken by XXXX XXXX XXXX and their attempt to garnish my wages. After in-depth research into my case, my lawyer crafted a letter that explained how the bulk of the original student loan was dischargeable under Bankruptcy Law ( see attached letter ) and that XXXX XXXX should not have been allowed to garnish my wages. XXXX acquired this account from XXXX which in turn took it over from an aggressive and now defunct debt collector named XXXX XXXX XXXX who were hired by the Department of Education to garnish my wages as previously mentioned. XXXX is currently showing a total current balance of {$70000.00} on a {$20000.00} original student loan that I have paid approximately {$85000.00} to {$90000.00} towards over the years since its inception, but have not been given any credit for by them. XXXX refuses to acknowledge the amounts that were garnished ( 15 % net income ) from my paycheck from XXXX to XXXX which totaled in the amount of {$49000.00} ( see attached ), not to mention the thousands of dollars I have already paid to date on this account. I feel XXXX has been highly deceptive and fraudulent with how they have represented this account. They have refused to allow me any options for the repayment of it at a reduced rate until such time that I could get someone at their company to hear my case. I have provided them documentation showing that I have paid this account in full, however they refuse to acknowledge the documents I have provided nor do they respond to any requests for an audit of this account. In addition, XXXX is actually being more underhanded and fraudulent with this account by adding onto the balance the unsubstantiated unpaid interest that they supposedly inherited from XXXX. I have also requested a lower interest rate ( currently 8.25 % ) and they have stated I am not eligible with no further explanation as to why? There are currently several lawsuits against XXXX for the very same fraudulent and underhanded practices that I have mentioned above.
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| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX don't do a proper investigation i submitted my dispute on XXXX XXXX XXXX and i got a generated result saying verified and updated same day. with no information about how they generated or calculated those results.
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful
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| 11/29/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I had XXXX XXXX XXXX. As a result of these medical bills and my inability to pay them ( while trying to prevent the spread of the XXXX ), I was unable to pay the portion not covered by my health insurance. This ultimately went into collections with TransWorld Systems , Inc.
I was contacted by TransWorld Systems in XX/XX/XXXX/XX/XX/2018 and made financial arrangements to pay $ XXXX/month ( which has been paid as agreed through automatic debit ). I was told by the agent setting up the arrangement that as long as this was paid as agreed, there would be no further reports to the credit bureaus.
All was fine until XX/XX/XXXX when I received a credit monitoring alert that TransWorld had sent my info as a negative to the credit reporting agencies. When I contacted TransWorld, not only were they rude and told me I should have paid my bills on time and it wouldnt have gone to collections, but they also gave me the run-around and said they did not report this and that I needed to contact the hospital ( XXXX Hospital Center ). After numerous run-arounds with both entities, I ultimately contacted TransWorld again and they said it was indeed them that had reported it. I asked why and why now because everything had been fine since XX/XX/XXXX/XX/XX/2018. They had no explanation.
In addition, Id received a collection call from TransWorld on XX/XX/XXXX. I asked why was I receiving this call when arrangements were already made? After looking again at their records, they verified that arrangements were made but that the call was a clerical error and that I was fine and nothing further needed to be done on my part because my pre-arranged information/payment plan was in the system.
As a consumer and someone dealing with a health issue, I have rights that this collections agency doesnt seem to care about. They have the upper-hand with consumers and this is wrong. I made arrangements and have been paying as I agreed but yet they still report me and ruin my credit that I have worked hard to build. I can not help that I had a health crisis. I could understand if I hadnt or havent been paying as agreed but I have and they dont care about me, all they care about is getting their money. As a resolution, I will pay my debt ( that isnt the issue at all ), I just want the negative impact removed from my credit. It is my understanding that the collections agency has the ability to do this. I was given the wrong information by them ( that if I paid it would not be negatively reported ) and I want them to live up to what they said. They keep deducting money out of my account ( XX/XX/XXXX was another payment ) but still report me. Is this legal that collection agencies can give you false information ( lie ) to get this debt paid? It would appear the answer to this is yes from my situation.
Below is the account information for both TransWorld and XXXX Hospital Center. I am awaiting a letter from them stating the arrangements Id made and that Ive paid consistently and on-time since those arrangements were set up. I will send that upon receipt.
TransWorld Systems Inc : Account # XXXX ( three files have been combined ) ; total debt {$1800.00} XXXX Hospital Center account numbers : XXXX XXXX XXXX Thank you for your help to bring consumers justice.
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| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This company avoids validating the debt correctly because is medical the just keep sending the medical bill and not showing you guy the answer which is a bill printout like always. I DEMAND FOR VALIDATION AND PROOF OF CLAIM so they can post the answer I will like Void My HIPAA Protection Law I would like the Company answer to be shared with you guys.
in response to a computer generated, unsigned letter dated received by Claimant from your offices. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to FDCPA ( VALIDATION OF DEBT ).
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with Title 28 U.S.C.? S 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
2. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules A complete payment history documented from original creditor. This requirement was established by the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, 7th Circuit Court, XX/XX/2004.
4. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
6. Provide verification from the stated creditor that you are authorized to act for them.
Disputing the Debt,
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| 03/18/2019 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
Servicemember |
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Hello I'm a XXXX Veteran after service my county XXXX. Diagnosed I got hurt in WAR with XXXX and XXXX. XXXX XXXX XXXX from explosion I'm XXXX XXXX XXXX and XXXX XXXX on social security income. I will never be able to pay this $ XXXX that mushroomed to {$42.00} k from this law firm representing a investor group ( Investor group got illegal settlements against me ) XXXX and XXXX XXXX. is the law firm for XXXX XXXX XXXX that got the loan from a bank. So 3 levels down and making me pay monies each month on a loan I don't know nothing about. There making me pay on a loan I have no idea about. I called them and said they don't own my loan. How are they able to force me to pay if they don't own the loan or have any paperwork. All I got was threat of sue and lien/levy. Do they have the correct paperwork? Who did the notary 's are the forged? With my XXXX I couldn't even defend myself having XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX trust of investors bought loan from banks who got an illegal judgement against me while I was sick with wrong paperwork. I was housebound and had a caregiver.
Called the law firm they didn't even check with the TRUST about compassion review process. How am I being forced to pay on a judgement I wasn't even there to defend myself. Now I'm XXXX XXXX XXXX and XXXX. I cant pay it. Should be removed and refund all my grocery money over years.
Resolution is to drop my Student Loan due to being XXXX and XXXX XXXX or incorrectly pursuing me for the amount without the correct paperwork. There is no way they have the correct paperwork from a BANK to Investor group to law firm. I asked to see the paperwork direct me to court. Thats just the judegement paperwork they got illegally. There taking my social security/grocery money. I want all payments made to be refunded to me in a form of one check. Serving my county and getting hurt XXXX And XXXX XXXX should grant me the ability not to have to pay this. Please help. Same thing as " XXXX XXXX, They cant just come up with their own paperwork and get false judgement. plus I'm XXXX and XXXX. this is just taking advantage of me. if i didn't serve my county I wouldn't got hurt Id be productive and be able to but that didn't happen > is there any help for XXXX veterans in CALIFORNIA. i WAS already destroyed thru the courts with child custody trying to stay in my own daughters life. Thank s =======Student Loan Refunds & Discharges for XXXX XXXX XXXX {$5.00} billion in Private Student Loan Debt may be forgiven thanks to the greatest clerical error in history.
And you should pay close attention to this story, because its not just one of the biggest changes to private student loan debt forgiveness that Ive covered in 10 years of tracking the industry, but one that may have a bigger impact on your loans than any other, ever.
As reported by the XXXX XXXX XXXX, tens of thousands of private student loan holders may be eligible for having their debts wiped away because critical paperwork is missing, and thats great news for anyone with outstanding private student loans.
This potential private debt forgiveness opportunity stems from a court case where troubled borrowers who fell behind on their payments were being aggressively pursued by debt collection agencies representing the XXXX XXXX XXXX XXXX XXXX
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| 06/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/XXXX I called XXXX XXXX at XXXX PST ( XXXX ) and spoke for 4 minutes. I identified myself with the account number XXXX XXXX XXXX XXXX XXXX ]. I was asking for the details of the account Like when the account was opened, closed, charge-off, and sent to collections, I was informed that they could not provide me with that information and that I was to call TSI at XXXX XXXX ]. The call ended shortly after, and I proceeded to call TSI On XX/XX/XXXX I called TSI at XXXX PST XXXX XXXX ) and spoke for 16 minutes. This call was recorded by both parties. I was informed that it was an attempt to collect a debt once I identified myself. I was informed that the balance was {$11000.00} and I asked why the balance on the credit report ( {$10000.00} ) was different from what youre telling me now? and was informed that it was their one-time collection fee of {$1900.00}.
Is this collection not in violation of 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
The Statement does say that the balance will not reflect what those collections fees are. This is also a violation of my state law which does not allow this fee unless Nevada-collection fee must be either added to principal balance by the creditor before assignment to collection, or added to the principal by the collector and described as such in the first written communication with the debtor When I asked what the dates of the account being opened and closed, he informed me that the account was closed in XX/XX/XXXXand last date of payment was in XX/XX/XXXX. I then asked if there was another account because that account was paid off. He Proceeded to tell me that he would start a dispute and get that information to me. Im not sure why this hasnt happened before from the countless disputes that I have sent to the credit bureau over the years regarding this account? I have a credit report from XXXX when they claim this account entered their office, and it shows the account that was described as paid with a {$0.00} balance.
This credit report is my proof that I do not owe this debt that they are collecting on, and I would like it removed from my credit report immediately, Although TSI claims they do not report, they are trying to collect on an invalid debt and this ruining my life. The best answer that I have been given was this is federal debt. Does this mean that they DO NOT have to follow federal guidelines and regulations?
First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me Collections notice via mail and not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.
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| 06/11/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I first found out that I was in collections at the end of XX/XX/XXXX/beginning of XX/XX/XXXX when I checked my FICO credit score through XXXX, with whom I have a credit card. Without realizing that they get their credit information from XXXX, I first contacted XXXX to get my report and dispute the charge. ( This has never happened to me before. ) I found out from them that I was in collections for a {$240.00} bill from XXXX, with whom I had a utilities account from about XX/XX/XXXX until I closed the account in XX/XX/XXXX. The XXXX representative told me the account was dated in XX/XX/XXXX ( I no longer lived at that apartment and my account had long been closed by then ) and went into collections via Transworld Systems as of XX/XX/XXXX.
I have NOT received a bill or a phone call from either XXXX or Transworld Systems. Not one. Transworld Systems did not attempt to collect on the debt between XX/XX/XXXX and the time I contacted them in XX/XX/XXXX. Not even since I disputed with Transworld. I've received not one piece of paper in the mail even though they have my current address, even though I was promised updates by mail from Transworld. I will again stress : I did not find out that I was in collections by receiving a call from Transworld ; I found out by checking my credit score through XXXX. XXXX had my phone number until it changed late last year and my previous address ( where I had a XXXX account ) had my updated address to which they could forward my mail. I received nothing in the years since I closed my account. Nothing. Naturally, proving a negative is difficult ; that is, I'm having a bit of trouble proving I didn't receive anything.
Nonetheless, I provided XXXX a copy of my lease to show that I no longer lived there to dispute the charge and they successfully removed it from my credit report in mid-to-late XX/XX/XXXX. I had also contacted Transworld Systems, the collections agency, and they contacted XXXX on my behalf to request validation of the debt. According to the representative, they received a document on XX/XX/XXXX that, by her description, was illegible. ( For humor 's sake : a straight up XXXX XXXX move. ) To be clear, she laughed and said she couldn't tell what it was, let alone whether or not it was " supposed to be a validation of debt. '' She apologized and said this wasn't acceptable and would get on it right away. That was 2-2.5 weeks ago.
Since then, I contacted both XXXX and XXXX, the latter of which verified the account with Transworld ( not with XXXX ) and won't remove it from my report ( to my added detriment, it also won't show as in dispute ). I'm assuming XXXX will report the same later this week, the end of their 30-day time-frame. I have called Transworld just about every week and they tell me they've followed up with XXXX, but have not received anything. After almost two months of damaging my credit without proof, I'm over it. I haven't been able to get in contact with XXXX, XXXX ( having sold the debt ) has no reason to get in contact with me nor, by my understanding, would they benefit from me being right. As a young person with plenty of other ( student ) debt to worry about, I would really like my credit score not to be held hostage by a utility company. I appreciate your help in this matter. Thank you.
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| 10/10/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This is for XXXX loan that went into collections in XXXX, XXXX. Before XXXX, I was in the XXXX XXXX ( XXXX ) and carried out multiple attempts for deferment and even economic hardship with the loan servicer back then XXXX. At the beginning of XXXX i had a grace period with this loan, and i was trying to either defer this loan or get the payment amount reduced due to being a volunteer before the first payment. XXXX wrote back stating they didnt accept either of my forms from the XXXX XXXX . I tried calling from abroad emailing and using their live chat but o could never get enough information about why exactly they didnt accept my requests. At one point they even explained that I wasnt in their system. Fast forward to XXXX my XXXX XXXX XXXX ended in XXXX and my loan went into collections officially in XXXX of XXXX. I never received an official email/mail indicating this account was going into collections or that I had the right to dispute. I found out through my federal job applications. After finding out and not being properly informed of my options I immediately XXXX. They didnt know where my loan account was, so I called XXXX and eventually after long calls I found out my account was with Transworld Systems . I immeadiately made an automatic payment plan for the XXXX of every month. On XX/XX/XXXX I got my debit card stolen and the payments stopped. As soon as I got notification XX/XX/XXXX of this from XXXX XXXX the original creditor. I called XX/XX/XXXX let them know I intend to pay and would love a pay for delete on my late payments. They refused. They told me that my account was now with XXXX again. I called and tried to log into XXXX and they told me over the phone that my account doesnt exist anymore and I wouldnt be able to log in. I called XXXX again on the same day and wasnt able to get a call back because they told me my Puerto Rico number is International. Puerto Rico is a US territory so there shouldnt have been any issues. Instead I received an email where they stated that XXXX received my loan from Transworlds, and that then it went to XXXX but its now back at trans world. I called Transworld to make sure they had my account they explained that theyve always had my account have never moved it back to XXXX and that they still had it. With this I decide to reinstate a payment plan. On XX/XX/XXXX I called XXXX again to notify them that I do have good intentions to pay and to request pay for delete and let them know I have a new payment plan with Transworld. I also notified them that the late payments reported are incorrect. Since my payments to Transworld since XXXX have been on autopay they shouldnt count as such. XXXX stated they would request more information from Transworld and get back to me. On XX/XX/XXXX afternoon I received a different call from XXXX collections saying that they now have my loan and pressuring me to make payment. I refused because I do not have any written official validation of which collection agency currently holds my XXXX student loan account. I called TSI back to cancel my payment plan and also ask them for validation letter. They say that they do have my account and not XXXX. At this point there has been a LOT of miscommunication thats affecting my credit and I have no idea who I should be making payments to.
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| 06/02/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Transworld Systems INC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Transworld Systems INC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Transworld Systems INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Transworld Systems INC. Providing that Transworld Systems INC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 12/11/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Uas is the lender and XXXX is the attended university ....
Good Afternoon, I am writing to you about a problem that might be affecting many graduates of XXXX University.
The student loan payments are being taken over the phone which includes the bank account number, routing number and the dollar amount for the loan payment. A confirmation number is given but UAS is not completing the transaction which is adding extra interest since the payments are not being processed.
I recently went online and registered the account since it was so frustrating speaking to the representatives and found 5 occasions where I was given a confirmation number but the UAS did not process the payment. Personally, this dates back to XX/XX/XXXX and as recent as XX/XX/XXXX If this is a known issue with UAS they are covering it up by not posting any information on their website, mailing the student loan customers, or making all the schools aware of the issue. Obviously, they are making more money on the interest because the payments are not being processed. The total amount of payments not processed total almost {$500.00} for me.
Sincerely, XXXX XXXX Here is an attachment and every payment listed that was cancelled by UAS after a confirmation was given. On some occasions the representative on a recorded line neglected to enter the information into their system. Obviously, this needs to be corrected and proper credit given to the student loan customers.
Someone from UAS is supposed to be contacting XXXX about this issue.
Please confirm receipt of this email and let me know if any other information is required. If this issue should be handled by someone else at XXXX please pass it on and keep me advised of the resolution.
Sincerely, XXXX 2nd email Hi, I have been paying my student loan since XXXX and I noticed that on 6 occasions I received a confirmation number but the payment was not processed and extra interest has accrued. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These payments total {$580.00}.
It shows 16 payments of {$100.00}, a payment of {$50.00}, a payment of {$84.00} and a payment for {$42.00} which totals {$1700.00}.
I receive a note stating in writing that my payment has been processed or over the phone with a confirmation number - How does UAS reimburse the extra interest when the problem is the processing or lack of processingat UAS?
Sincerely, XXXX XXXX XXXX XXXX, did you understand the question? Please pull the calls and review the attached photo.
I noticed that on 6 occasions I received a confirmation number but the payment was not processed and extra interest has accrued. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These payments total {$580.00}.
Thank you, XXXX Show quoted text Look under transactions and you will see the payments - I was given a confirmation number but they were canceled - not processed for almost {$500.00} Show quoted text Dear XXXX Thank you for contacting University Accounting Service.
Your issue/concern was escalated to one of our supervisors and has sent your account to the Account Specialist for review. We will send you a feedback as soon as we receive from them.
Show quoted text 3rd email
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| 02/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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RE : Account # XXXX, Former creditor account # XXXX To Whom It May Concern : This letter is to follow-up my previous written requests, made Wednesday, XXXX XX/XX/XXXX, and again on Saturday, XXXX XX/XX/XXXX, to dispute this debt in its entirety.
I received a harassing telephone call this morning Thursday, XX/XX/XXXX, from an agent who initially refused to identify who they represented, saying only that they were calling for XXXX XXXX regarding a personal matter, and asked me to verify my date of birth or address. I continued asking who the agent worked for, and only after asking several times did the agent tell me she was with Transworld Systems Inc.
I informed her that the account is question is not my debt. You are already aware. You have now reported to the credit bureaus that I have an account in default with you prior to the end of the 30 day window of my disputing the account and prior to re-contacting me in written form, in a move that could be viewed as illicit, neglected to inform the credit bureaus the account was in dispute. I repeat : this account is not mine. I have been the victim of identity theft.
I have filed identity theft reports and/or complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and my local police. Thank you for correcting your previous illicit omission with the credit bureaus and for doing the right thing which you are legally obligated to do and reporting to them that the account is in dispute an action you should have taken in the first place, not after having been prompted by Consumer Financial Protection Complaint XXXX.
Today your company escalated this situation with what could be perceived as harassment. Your agent failed to identify who she worked for, demanded I verify my birthdate and address, and became increasingly hostile in tone and approach. I reiterate my initial written dispute as to the validity of this debt in its entirety, which dispute I originally provided in writing on Wednesday, XXXX XX/XX/XXXX, and again on XXXX XX/XX/XXXX. I do not have any responsibility for the debt you are attempting to collect.
I repeat from previous letter : Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed.
Your multiple actions to date, including premature reporting to credit bureaus with the omission the account was in dispute, and your agents harassing call to me this morning, in the middle of the workday, in my place of business, could be perceived as a series of actions taken in bad faith and for the specific purpose of harassment in direct violation of the Fair Debt Collections Practices Act, including 809 Validation of Debts 15 USC1692g.
On a personal note, your persistent actions have driven my credit score more than 50 points downward into the grave, caused me to be blocked from receiving lines of credit for which I would otherwise qualify, and have triggered my documented XXXX XXXX, for which I am now incurring new medical bills which I am paying, because I do owe them unlike this account, which is not mine, and I do not owe.
All the best, XXXX XXXX XXXX
|
| 07/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
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I have been having trouble paying of my current student loan with the loan provider and would like to report their unethical actions.
On XX/XX/XXXX, I have requested a Segal AmeriCorps Education Award Payment Request to be submitted to USA Connect for the amount of XXXX, this request had been received and opened by a Loan Trust Officer on XX/XX/XXXX, at XXXX and on XX/XX/XXXX, at XXXX though has not yet been applied to the outstanding balance of my loan as of XX/XX/XXXX. I and a Trust Program Analyst from the Office of the Chief Financial Officer with AmeriCorps has been in numerous communications with multiple customer services agents from UAS Connect to the point of resending the payment voucher request and providing screenshots of the original request date and emails respondence to no avail. Their response is that I should hear back from their cash department and that I will hear back from them soon. This is the same response I received from multiple agents on the phone or by email and I have never received a call back or email explaining my concerns of why my payment request is not being handled. Their initial response while on my first call with them is that they never received the voucher, but I have provided proof that a Loan Officer had opened and reviewed the request two different times. The last I have heard from the company was on XX/XX/XXXX, yet again saying that I will received a call from someone in their cash department about my account.
It has now been 5 months with this same issue, and I am very frustrated with their actions and services. I do not trust them with holding my loa account and would like to know what I can do to have this issue resolved. I can provide emails all, names and dates and time of every call that I have made to them over the past 5 months. I haven't had any problems with them since before Fall of XXXX when they denied my unemployment deferment request after being employment for 3 months and was unable to make any payments.
XX/XX/XXXX, the payment request was sent.
XXXX XXXX, the request was opened by a trust officer from UAS at XXXX XX/XX/XXXX, I called XXXX for a status update on payment.
XX/XX/XXXX, I called and spoke with an agent.
XX/XX/XXXX, I called and spoke with an agent.
XX/XX/XXXX, I reached out by their email to request a second update on payment.
XX/XX/XXXX, at XXXX XXXX the request was opened by a trust officer from UAS.
XX/XX/XXXX, I reached out to XXXX UAS customer service agent regarding personal information on my loan account as they told me they couldn't find my account.
at XXXX I received a response requesting my personal information which I provided to another agent XXXX XXXX XXXX.
XX/XX/XXXX, at XXXX XXXX I received a response from UAS letting me know that payment research has been forwarded already to our Cash Department in regard to your loan Americorps payment concern.
XX/XX/XXXX, I called and spoke with an agent and sent an email with screenshots of a second payment request and how it was sent to them from AmeriCorps Trust Analyst Officer. I have not heard my UAS since then and the request has still not been applied to my outstanding balance.
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX
|
| 07/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I wrote a letter to alleged debt collector " TRANSWORLD XXXX XXXX '' regarding insufficient validation statement/letter on XX/XX/2022. The Alleged Debt Collector had ( 15 ) Days to provide the requested information which they have not. It has been more than ( XXXX ) days. I requested the following from the alleged debt collector TO - TRANSWORLD XXXX XXXX This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : An explanation of what this alleged account balance is for.
A complete Audit Trail calculation of this balance, including the complete payment history on this account.
Documentation that shows I agreed to pay this debt with my wet signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
The Agreement that grants you authority to collect on this alleged debt.
A copy of your state license, including license number that give you rights to collect in my state.
The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we were not present The Original Promissory Note on this Alleged Debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), CA State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof.
You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary compensation damages for the violations you already committed.
I do not know this corporation and never signed any contract with them. They illegally received my personal information without my permission.
|
| 01/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I visited the XXXX at XXXX in XXXX of XXXX for a consultation. I received no services from their clinic that warranted a payment as they referred me to my primary care doctor instead. I was given no notice of any fees to be paid nor was I informed that I owed the company any money at all. I was not given any documentation about debt that I owed on that day. Following that day, I also received no communication from XXXX at all regarding any supposed payments required of me. So, in short, I received no services from their clinic and no communication whatsoever indicating that I owed them any amount at all.
The first communication I received from XXXX XXXX XXXX was delivered to me in the beginning of XXXX XXXX. The letter was dated for the XXXX of XX/XX/XXXX and stated that I owed a debt of {$59.00} to their collector " XXXX of XXXX ''. As I was never billed from XXXX and never received any services from the business, I assume this collection was fraudulent, and sent XXXX XXXX XXXX a debt verification letter requesting : 1. The amount of the alleged debt ; 2. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits ; 3. The full name and mailing address of the original creditor for this alleged debt ; 4. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 5. Documentation showing you are licensed to collect debts in XXXX.
The letter I sent to them also stated : " Because I am writing you within XXXX days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. '' I mailed that letter to them on XX/XX/XXXX.
On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX that states : " It has been our experience that much of the debt assigned for professional collection is resolved before it reaches this stage in the collection process. This account, however, has not yet been resolved.
This account hsould be addressed. If left unresolved, our collection efforts may continue. If the creditor wishes for us to do so, we sill have this account referred to our team of professional telephone collectors to attempt to collect the above unpaid amount.
Please make continued collection efforts unnecessary by resolving this account.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.
Calls to or from this company may be monitored or recorded for quality assurance.
You may also make payment by visiting us on-line at XXXX XXXX XXXX. Your unique registration code is XXXX XXXX XXXX.
If you have an income tax refund, perhaps you can use the proceeds to pay this account. '' My letter was completely disregarded by XXXX XXXX XXXX, putting the company in violation of the Fair Debt Collection Practices Act.
|
| 08/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, Unit # 2 Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 06/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Transworld Systems INC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. ( Company Name ) must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Transworld Systems INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Transworld Systems INC. Providing that Transworld Systems INC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) (XX/XX/XXXX ) & XX/XX/XXXX) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
|
| 05/18/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
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Thank you in advance for reviewing my complaint against Younomics, the loan service provider for this private student loan I acquired in XX/XX/XXXX. This case is an example of deceptive lending -- specifically through a now defunct student loan originator ( " XXXX XXXX XXXX '' ).
Younomics was made the second or third service provider for this loan, and the whole process has been questionable. Normally, I would contact the company to discuss this issue, but I elected not to for the following reasons. First, they are going to tell me that they are simply the loan servicer and had nothing to do with the original terms of the loan. They are correct -- but that origination company has gone defunct. When I called XXXX XXXX ( the second loan servicer ) they told me that they are unable to tell me who " owns the loan '' but that they inherited it. In XX/XX/XXXX, Younomics contacted me electronically and introduced the company as my new " loan servicer. '' Second, their website is extremely minimal. The " contact us '' button only gives a XXXX XXXX mailing address in XXXX XXXX XXXX, and a generic E-mail : " XXXX '' Mail Younomics XXXX XXXX XXXX XXXX XXXX NY XXXX Email Support : XXXX I am not comfortable E-mailing such a company that has a XXXX XXXX and a generic E-mail with such sensitive information. This sort of unprofessional and sketchy company contact page emphasizes my point that this loan was predatory, not backed by a real bank, and exists only to profit off of the needy.
For background, I took the loan when I was facing the decision of having to leave my undergraduate institution because both me and my parents ( XXXX ) were not able to financially support my studies. I searched online, applied through legitimate banks, and was not able to get a loan on my own since I had no credit. My parents were not able to co-sign for me, either, as they were maxed out with Parent Plus loa
ns for my older sister ( who attended another University ) and did not have sufficient credit. I came across one of these aggressive loan companies that prey on needy undergraduates by providing to them the small amount of money they may need at high interest rates. Years later, the Department of Education
under President Obama would implement rules and standards that would prevent predatory lending habits -- which happened to me.
The loan for {$6900.00} was disbursed onXX/XX/XXXX. With the aggressive 10.5 % interest rate, my balance is currently {$13000.00}. I have paid a total of {$7300.00} on this loan, which is over the original principle balance. I graduated from XXXX in XX/XX/XXXX, from the University XXXX XXXX with my XXXX in XX/XX/XXXX, and finally the University XXXX XXXXXXXX with my XXXX XXXX XXXX degree in XX/XX/XXXX.
I took this loan out of necessity at XXXX years old. I have made monthly payments in excess of over {$200.00}, and after consulting with a Financial Advisor, I have come to the realization that there is no way with my current salary ( since I work in a XXXX XXXX XXXX XXXX ) that I will be paying this loan off for an additional 15 years. I am trying to buy a house, put money towards my retirement, pay more federal student loans, and live, but this never ceasing deceptive loan simply wo n't disappear.
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| 07/01/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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Summary : I paid off my loan in full on XX/XX/2020 to loan servicer XXXX. My loan servicer was switched to University Accounting Service ( XXXX XXXX XXXX ) on XX/XX/XXXX. The loan is through XXXX XXXX XXXX. Despite my best efforts, I have been unable to get my loan recognized as paid in full and receive a letter confirming my loan is paid in full.
XXXX I make the final payment to XXXX, my total balance shows - {$0.00}.
I email XXXX about next steps, they say it will resolve in the next 6-10 days.
XXXX My loan transfers to UAS.
XXXX I call UAS to ask about why I owe {$43.00} instead of - {$0.00}, and I am told they are still uploading statements and I should wait until tomorrow. No statement is ever uploaded.
XXXX I use the secure message service on UAS website to ask about the owed amount. I never receive a response.
XXXX I call UAS to ask about amount owed again. I am told the rep will email someone at UAS to resolve the issue. I never hear back.
XXXX I call XXXX XXXX XXXX. The XXXX rep sets up a conference call with UAS. The UAS rep submits a request to have the amount cleared. The UAS rep says he will call back later that day no matter what the response is. He never calls back.
The XXXX XXXX XXXX rep tells me to call her if they do nothing, and shell give me the {$43.00} in my account.
I call the XXXX rep at the end of the day and leave a message that they did nothing.
XXXX The XXXX rep calls back and deposits {$43.00} money into my savings account.
I make a {$43.00} payment to clear the balance I shouldn't have owed.
I am unable to pay the additional {$0.00} interest, as I still have - {$0.00} principal. It shows I have {$0.00} interest and - {$0.00} principal XXXX I email UAS asking if I owe anything else on the loan. I never receive any response.
XXXX I call UAS. I am told I have a {$0.00} current balance and that no additional payment can be made on the loan. I am told my loan is not showing paid in full. The rep promises to email someone at UAS that will either clear up the issue or email me with next steps. I never hear back.
XXXX I send the same message to XXXX.
XXXX I receive a generated statement from UAS that I have a {$0.00} balance and no late fee.
XXXX responds to my secure message, but tells me they are unable to help, and suggests calling UAS again.
XXXX I call UAS, and they tell me they are working on getting paperwork from XXXX to confirm the loan is paid and closing it out. I plan to call back in a week and see what happens.
I respond by secure message to SCU about the status UAS reported.
XXXX I call UAS, and I am once again told they are working on it and that I will very soon receive an email confirming they are working on it. I tell them I will be filing a CFPB complaint on the XXXX.
XXXX For the first time since UAS received my loan, I receive an email from a UAS rep that they recognize my loan has a {$0.00} balance and they are requesting a paid in full letter for me.
XXXX I submit a CFPB complaint. UAS has had an entire month to resolve my issue, and ignored many secure messages, emails and calls. They only responed by email when I threatened a CFPB complaint. I don't know what else I can do to resolve the issue at this time.
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| 10/04/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXXXXXX entered into a 12 month advertising agreement with XXXX XXXX XXXX through XXXX XXXX with XXXX XXXX XXXX. It was for two services - a print ad monthly @ $ XXXX and a digital ad for $ XXXX. *See Exhibits A & A1.
Contrary to California & Federal Laws, neither XXXX XXXX nor XXXX XXXX XXXX advised that the contract was coming up for renewal and they continued to debit me for at least XXXX months after what should have and would have been the expiration of the original 12 month term. When I discovered they had not followed the proper procedure for advising renewal or right to cancel, I disputed the charge. *See Exhibits B & C.
In Exhibit C, XXXX XXXX confirmed that my account had been cancelled but tried to claim I owed for a XX/XX/2023 ad. As you can see her confirmation of cancellation was made on XX/XX/2023 which is prior to XXXX. I believe I provided.
In Exhibit D, XXXX XXXX tries to claim that any advance notice of renewal or right to cancel doesn't apply to " businesses ''. I am not a business. I am not required to be incorporated or to file for a business license. I am a licensed realtor through a broker and am an independent contractor. I do not own the rights to the brokerage name ( s ) and the brokerage was not required to sign the advertising agreement. Advertising is a service and may also be considered " goods '' - ads are a consumable. On XX/XX/2023 XXXX XXXX confirmed XXXX had cancelled my agreement but they wanted me to pay {$340.00} for the ad they claimed ran in XXXX ( the month after the first confirmation of cancellation of the agreement ).
In Exhibit E dated XX/XX/2023, XXXX XXXX contacted me via email, not only at my business emails but also at my personal email ( which had not been provided to anyone in the transaction in question ). In addition, XXXX XXXX copied someone named XXXX XXXX at her same company. MOST IMPORTANTLY : She also copied a complete stranger at the email XXXX. Within about XXXX minutes of my receipt of these multiple emails, I responded to XXXX XXXX advising her that she did not have permission to email me at my personal email address and that she had VIOLATED MY PRIVACY RIGHTS BY COPYING A COMPLETE STRANGER. See Exhibit F.
I have been receiving numerous calls from various number from an affiliated company XXXX ( which came up as a XXXX ). To date, none of their callers have left a voicemail and their numbers have each been individually blocked. I am sure that the number of calls ( sometimes more than XXXX per day ) are in violation of collection guidelines. On XX/XX/2023 I also started to receive calls from TransworldXXXX. The calls from both XXXXXXXX XXXX TransworldXXXX continue.
As you can see in Exhibit F, I disputed owing XXXX XXXX anything, let alone over {$3800.00}. XXXX XXXX left me a voice mail which I have not returned as I prefer to have any correspondence be in writing and she has not provided any information as to where she came up with a claim that I owe XXXX XXXX XXXX {$3800.00}. The last disputed amount was {$340.00} and the {$90.00} for the last payment they took for the digital ads.
In summary, the contract was cancelled in XX/XX/2023. No ad should have run in XX/XX/2023 and there is no way I owe them {$3800.00}
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| 01/11/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Lending Institution : XXXX XXXX XXXX XXXX XXXX Loan Servicer : University Accounting Service , LLC Both the lending institution and loan servicer have been complicit in withholding funds that have been owed to me for nearly six months.
I refinanced away from this lending institution, and a check was sent for the full amount of my loan. I paid off the loan in full and overpaid by an amount of {$290.00}. My account shows a negative balance that reflects that this is the amount owed back to me.
The loan servicer indicated that refunds are processed in 8-10 weeks. I diligently followed up with both the loan servicer and lending institution around this time to see 1 ) when the amount would be refunded and 2 ) where the refund would be issued ( bank account, check mailed, etc. ) I followed up again at 10 weeks, 12 weeks, 15 weeks, and 18 weeks time, when no refund had been issued. Both the loan servicer and lending institution indicated the refund was the responsibility of the other company. The bank 's customer service is essentially nonexistent and the people I've interacted were either incompetent or intentionally evasive. The loan servicer customer service was more cordial - at least - but equally unable to resolve the issue. Most recently, the loan servicer said that they only had the ability to flag the issue to the bank, who would have to issue the refund themselves. The servicer said they flagged it to the bank more than two months ago. The bank has not issued a refund. The loan servicer now appears to be ignoring my written support requests, and their customer service line often boasts two-hour-long wait periods, making speaking to a representative difficult to do. I had to give up after 85 minutes holding on Week 20 of non-payments. And please note - I have spoken to them on five separate instances and no one has resolved this issue ... so my willingness to reach out is in decline.
WE ARE NOW 21 WEEKS REMOVED FROM MY OVERPAYMENT AND NO REFUND HAS BEEN ISSUED. Loan overpayment is not a uncommon occurrence - interest continues to accrue daily, so when people refinance, they try to get their new lender to issue the correct " payoff '' amount ( something which XXXX and UAS do not clearly provide ), but sometimes a slight under or overpayment occurs.
If lenders continue to charge interest and expect on-time payment month in and month out, why are they unable to return funds to consumers when they are owed back? Are they incapable of paying their own debts? It's an abhorrent double standard and this lender has been completely negligent. The fact that there is no standardized system to return funds to consumers for a type of overpayment that happens often simply baffles me. Their predatory variable rate student loans are bad enough - hard to understand what you're getting into as an XXXX year old, but I was fortunate enough through refinance to rid myself of debt to this unethical organization, but they've apparently made it their mission not to honor their own debts.
I am writing this to hopefully resolve the ongoing issue with both the lending institution and loan servicer, and hopefully highlight to others that this lender does not have students best interests in mind.
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| 12/04/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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During the month of XXXX, I received notification from XXXX regarding a debt owed under the name Transworld Systems Inc. ( TSI ) I then opened a dispute with XXXX, requesting validity of said debt. XXXX responded within the month, stating that the debt was correct. Unsatisfied with this, I then escalated this dispute by filing a complaint with the Consumer Financial Protection Bureau stating that I received no correspondence to my place of residence regarding any debt owed to TSI. In addition, requested proof of a contractual agreement sign by me for said company. I then received a response from Transworld Systems Inc. which included a letter stating who was handling this case, the number in which to reach this person, along with other pertinent information regarding this account. They also sent a set of forms or copies of itemized amounts titled " Validation Information '', which included dates in question of XX/XX/XXXX and XX/XX/XXXX, with varying amounts, along with my name, an unknown address, along with an unknown telephone number that are all of no knowledge of me. The letter also stated my first and last name in a manner that is not indicative of any contract that would be associated with me.
I am here by making notice that the information provided by Transworld Systems Inc is in error and does not pertain in any way to myself.
All documents I will be providing will prove to the contrary of the address and dates, the phone number that they have provided on the documentation provided by TSI, also reaffirming that I owe no debt to Transworld Systems Inc., nor do I owe any debt to any other entity herein or otherwise stated.
All sensitive information has been redacted from any or all documentation provided as proof as per Consumer Finance Protection Bureau. ( See attached files. ) XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors.
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
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| 12/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TSI/XXXX, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Transworld Systems is falsely reporting a medical collection for {$96.00} from XXXX that does not belong to me, that was not authorized by me, that I do not recognize, I do not owe, and could not possibly be enforced in court.
Bottom line, I had zero doctors visits in XXXX and zero medical issues over that period. There is no way I ordered any medical services that could have given rise to any legitimate debt.
Upon several requests, Transworld has repeatedly refused to provide any specific proof and medical records to validate this alleged collection -- in particular, they have provided no : ( 1 ) details of the contract underlying the alleged amount, ( 2 ) proof that I ordered any medical services, ( 3 ) substance and details of the medical services that are alleged to be ordered, ( 4 ) substance and details of the doctor that ordered any of these alleged medical services, and ( 5 ) substance and details of any medical conditions that would warrant or be associated with the medical services they allege were ordered.
In addition, they have provided no proof the alleged medical services were in fact delivered and received, and that the alleged medical provider in fact performed and completed their duties under the alleged contract. That is a required and critical element of a valid contract -- without that, there is no contract.
Having possession of some of my personal information does not verify this alleged debt ( e.g. social, address, name ) as that does nothing to substantiate the particulars of their claim. Moreover, i was one of the consumers whose personal information was hacked and compromised by XXXX -- and therefore a higher standard of verification is required.
They have continuously, prejudiciously and illegally continued to verify this alleged collection with XXXX, knowing full well that ( 1 ) XXXX XXXX verification standards are extremely lax, ( 2 ) that they outsource their collection efforts to minimum wage employees in the XXXX and XXXX with limited command of English, ( 3 ) they routinely ignore consumers ' disputes and only superficially investigate, if at all, ( 4 ) they have routinely breached consumers ' data privacy and rights under the Fair Credit Reporting Act, and ( 5 ) they have been repeatedly reprimanded by state Attorneys General and federal agencies.
Transworld is reporting this alleged collection to XXXX in order to wrongly extract payment on a note that it specifically knows, and should reasonably know is unenforceable and is invalid.
XXXX and XXXX very quickly and expeditiously deleted this collection account when challenged.
I ask that this collection notation be removed from my credit report immediately, that Transworld cease and desist, and that it agrees not to on-sell this incorrect collection.
Details of notation on my XXXX credit report Transworld Systems Inc ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; Original Creditor XXXX XXXX ; Amount {$96.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$96.00} ; Individual Account ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX DE XXXX : ( XXXX ) XXXX
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| 10/12/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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XX/XX/XXXX I was supposed to be put into a program to help bring my XXXX XXXX account. The company is Transworld Systems Inc . I began these payments of {$5.00} per month every month until XX/XX/XXXX. I did n't receive any communication from them advising that I broken my payment arrangement until they began garnishing my wages XX/XX/XXXX at which I contacted them and spoke with a representative by the name of XXXX who stated that she could put me back into my agreement and that the payment that I made at the beginning of XXXX for XXXX had to be made within the month of XXXX because it was going to be last payment. She went over my financials and put me back into the rehabiliation program but stated that I had to make XXXX consecutive payments, sign the agreement to send it back. She backdated all of the payments so I already the XXXX consecutive payments but that I had to sign the affordable agreement before the client would be able to suspend the garnishment. I got that agreement on on or about XXXX and not only signed it but I faxed it and mailed it to Transworld Systems Inc . I called them several times to make sure that the paperwork was received and each representative that I spoke gave me a different response. I spoke with a supervisor by the name of XXXX when I made the XX/XX/XXXX and she assured me that everything was good and that all needed to do was make sure that I sent the agreement back to them to send over to their client. I made a payment on XXXX in the amount of {$5.00}. I got an email on XX/XX/XXXX stating that I did n't make my payment for XXXX. I called and spoke with a representative from Transworld Systems and she stated that she could see that I had made the payment and that I did n't have another payment due until XXXX. On Monday I called to see if they had sent the agreement to their client to have my garnishment suspended and I was told that a supervisor was going to do that and that they would call me if there was a problem. On XX/XX/XXXX, I called and spoke with someone else who advised that she was going to have her supervisor expedite the request over the their client. I called on XXXX to check the status of their clients response to the garnishment suspension, I spoke with a representative by the name of XXXX XXXX who informed that I had broken the agreement which was news to me considering I had spoke with a reprentative on Monday and Wednesday of the previous week and the neither XXXX of them had informed me of this. She also stated that they had to re-enroll back into the program and that I would need to sign another agreement, and that they were going to contact their client about getting the garnishment suspended again. This company is very unorganized and no one seems to know what is going on with my account but they are garnishing my wages while I 'm making payments. This is very frustrating and causing my bills to get further behind. I am a single mother of XXXX and due to the stress of having to deal with a company that apparently does n't notate their system very well I 'm being punished and their client is being given incorrect information in regards to my account. I really need to help in clearing up this account.
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| 10/06/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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We were urgently to rent a place and we found XXXX XXXX XXXX XXXX SC. We had a tour and everything looks good there was no smell no people around so we rented and apartment 3 bedrooms 2 bathrooms on XX/XX/XXXX and move in XX/XX/XXXX with my son XXXX years old my baby girl XXXX years old, my wife and me, the manager told us was a safe place for families and non smoking community. The day 1 of XXXX the dishwasher broke down, they fixed pretty quick, it broke down more the rest of the days we stayed there. Then we started noticed there was more than 4 persons living at the apartment upstairs all of them males, all of them smoker, our son room just stinks as cigarette, one day we came back from school and there was a very strong chemical smell, we drove around and maintainers told us they were cleaning the carpet, now we know they were poison bed bugs, days after we complained about cigarret and the noise since XXXX XXXX till XXXX XXXX upstairs and XXXX XXXX the manager told us that " she couldn't control it '' the kitchen cabinet just smell as a bar, i called to an emergency phone number and like they stop it for a couple days and then again the nasty cigarret, all of us got sick, i started to look all over the place after the bath tub turn to a weird yellow orange then the paint cracked up, i was cleaning the windows i found out the frame was cracking up as well, we had a water leak from the ac unit that make the carpet wet and theres was a wire not protect close to the gas, one day looking how the cigarret smell leak so bad in my son room i found there was a huge hole in the ac unit, i took the ac vents and black mold, i poison almost everyday because neighbor 's roaches were coming to downstairs, the worst was when our daughter had a bite, we clean, bleach and poison everything, then had another bite and very bad allergies reaction, we call the dr and prescribed a very strong allergie relief we look all over the apartment and find out there was bed bugs coming from the apartment upstairs, immediately we sent a email to the manager and the lady sent an examinator the next day, the man told us be quite ( i have a video ) cause XXXX will be mad, then we received a letter from XXXX, asking us to make appointment with exterminator in 15 days since then, the lady accused us to bring those bugs, after that any of us could stay there, we all have anxious we lost all our furniture, our kids new beds and clothes.
We couldn't stand no more, the apartment upstairs were living at least 12 man 's, thats what we count one night, we installed XXXX security system with professional watch, there is one the man who were living upstairs placing a bag in our trash can how the neighbors were putting bags in our trash can, we have all the emails, videos, the bed bugs coming from the roof, the wall by the roof cracked, the neighbor made little holes and looks like sprayed something, this is the most disturbing and disgusting experience no one deserves have, the managera very rude person sent us a letter chargin us for a carpet never was glue, for all our furniture and all our clothes, I have a picture with a mix we made and is just a nasty nicotine.
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| 04/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I went to the ER for medical attention on XX/XX/XXXX. I started receiving multiple medical bills for the services provided. I had medical coverage with XXXX. The benefit statements from XXXX for the claims submitted were to be paid by XXXX. During the claim process, one specific provider in the amount of {$2300.00} forward my medical bill to a collection agency, Transworld Systems Inc. They sent me a collection notices and I disputed it, notifying TransWorld that XXXX had paid the provider per XXXX 's billing statements. Thinking this matter was resolved and paid, I did not further investigate. I am going through the process of obtaining a business loan. This collection appeared on my credit report. I disputed it with the credit agencies XX/XX/XXXX. I contacted XXXX. I learnt there was an oversight on their end as far as paying the provider. They resubmitted the claim for process and conference in a call with TransWorld to explain what had happened. TransWorld assured they would contact the provider and confirm with them that the payment was made.I called TransWorld to follow upXX/XX/XXXX. I had to explain the situation and they told me not worry it was under review. I told them this was an urgent matter and I requested to speak to a Supervisor. XXXX XXXX XXXX came to the phone. I again explained my concern and told XXXX I had in my hand a letter that XXXX emailed me explaining the circumstances of their mistake and the provider had been paid. XXXX XXXX, said, he could not help me and he did not have control over the service provider response back to TSI. We would just have to wait. I requested a letter of deletion from TSI in order to provide it to my loan officer. He refused, and said TSI does not provide letters of deletion. After an hour of discussing this with him, I felt I was just being giving the run around. XXXX XXXX XXXX would say, we review each situation on a case-by-case, and then he'd say, they would just listed as paid in my credit report but not delete it. I didn't understand how he could take this stands when it is clearly a mistake and even enough I had documentation payment had been made to the provider. I asked him several times, how can you report this on my credit report if it is in accurate. He kept on referring me back to the provider and saying they ( TransWorld Systems Inc ) are only a 3rd party collection agency. I said, I understood, but TransWorld Systems Inc was the agency reporting the collection and no one else but them can report it. He would not agree with me on that. I this point, I knew XXXX XXXX XXXXs not in the business of helping people and I wasn't going to get help from him in resolving this matter. I went ahead and fax over the information anyway,XX/XX/XXXX/ XXXX XXXX CST. Even though he said there was nothing he would be able to do. I called back and asked for XXXX XXXX after I faxed over the documents. He refused to take my call. I was told it would take 24-48 hours to get the faxed documents uploaded into their system. I've never heard of a fax taking that long. It is clear to me, they are unwilling to corporate with me. I tried resolving this in good faith with them to no avail.
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| 11/15/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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In XX/XX/ my wife recieved a XXXX vaccine from XXXX in the XXXX, NC XXXX at XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. We asked before getting the shot if they accepted our insurance ; the XXXX staff asserted that they did so we went ahead. A few weeks later we recieved a bill for {$170.00} from XXXX for the service. We asked for an explanation, and eventually learned that clinic is out of network for our insurer, XXXX XXXX XXXX of XXXX XXXX XXXX
We made several calls to XXXX and XXXX, eventually getting representatives from both organizations on one conference call in late XXXX. The XXXX representative noticed that our insurance card indicated our plan was a PPO, but the XXXX agent was stating that our plan is an EPO. XXXX is part of the PPO plan but not the EPO plan. After some complaining on our part that XXXX had caused the problem by sending us the wrong insurance card, the carrier reluctantly agreed to pay for the service but warned us to always check with them before contracting with a new provider. At that time we held XXXX blameless in the matter, as XXXX had commited the original error. We assumed that XXXX would re-submit the claim, as the were on the call, and the notes in everyones records would result in timely payment. We heard nothing more on the matter for several months.
On XX/XX/XXXX we began getting communications claiming we had an outstanding debt with XXXX / XXXX. We ignored the first text, assuming it was a scam, but my wife called after a follow up message. We learned, after a lengthly conversation, that XXXX had not re-submitted our claim. They had, instead, merely put it on " hold '' without informing us of their actions. Apparently when XXXX puts a bill " on hold '' they don't attempt to contact anyone until it is well past due. The hold was lifted XX/XX/XXXX and the bill was immediately sent to " collections ''. We had no contact with them after the end of XXXX, or we could have tried to sort this problem out before they sold the debt to a collections agency.
The XXXX agent we talked to asserted that they do not bill insurance companies directly for shingles vaccination, but have the customer enter the claim to be reimbursed to them. The agent claimed this is because the shingles vaccine is somehow coded differently than other vaccinations. This is not true, as they submitted the original re-imbursement request in XXXX. XXXX denied the request because it was out of network, not as a coding error. As a result of XXXX not following the process the agent states is in place we will have to deal with a colletion agency and attempt to secure payment. We believe that XXXX caused these problems by first failing to follow their own processes ( if agent was correct that they don't submit these claims ) and second by not informing us of the steps they now claim are required. XXXX should clean this mess up themselves by re-submitting the claim as they did in XXXX.
We did ask the agent to send us a copy of the bill so we could assist in getting reimbursement if necessary, but the agent stated that they can no longer send a copy of the bill because it has been sent to collections.
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| 09/28/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am that I am, a natural person, a federally protected consumer. XXXX DEPARTMENT OF FINANCE has violated over 20 laws pursuant to Title 15 Chapter 41 USC 1692 of the Fair Debt Collection Practices Act.
Fact, the Fair Debt Collections Practice Act is intended to secure my right to privacy and my privacy has been breached. A list of violations are as follows ; 1692b ( 1 ) -The company did not contact me to confirm or correct my location.
1692b ( 2 ) -The company stated I owe a debt 1692b ( 3 ) -I never requested to be contacted by this company 1692b ( 5 ) -This company is using language that indicates a collection of debt 1692c
( a ) -I have never given this company prior consent to communicate with me, and if so, did such under duress and invoke my rights pursuant to 15 U.S. Code 1635 1692c ( a ) ( 1 ) -It is in fact never a convenient time to communicate with me 1692c ( a ) ( 3 ) -My place of employment is my dwelling and they are forbidden to contact my place of employment via written or oral communication 1692c ( b ) -No prior consent was ever given
by I, the consumer, to this company to communicate with me 1692c. ( c ) -This company is violating my cease and desist by continuing to communicate with me which is also a violation of 1692g 1692d ( 1 ) -This company has threatened to ruin my reputation by reporting this alleged debt to the 3 major credit bureaus XXXX, XXXX and XXXX 1692d ( 2 ) -This company has used language that I deem to be obscene and profane. Profane and obscene are not defined under 15 USC 1692 and therefore a company can not tell me what I consider to be obscene or profane language 1692e ( 1 ) -Debt collectors can not be vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
1692e ( 2 ) ( a ) -False representation of the character, amount, or legal status of alleged debt 1692e ( 3 ) -Pursuant to 15 U.S. Code 1602 this company is a corporation. Corporations are dead entities and can not communicate with flesh and blood living beings. It is understood that the written communication received by me from this company is either from an attorney representing this company or the company is the attorney. Either constitutes a direct violation 1692e ( 4 ) -The written communication is false representation and implication 1692e ( 5 ) -No legal action can be taken by this company pursuant to 15 USC 1692i 1692e ( 7 ) - The false representation or implication that the I committed any crime or other conduct in order to disgrace I, the consumer 1692e ( 8 ) -Failed to communicate the debt is disputed 1692e ( 9 ) -This written communication which simulates or falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State , or which creates a false impression as to its source, authorization, or approval.
1692e ( 10 ) -The use of any false representation or deceptive means pursuant to 15 USC 1692e ( 1 ) to attempt collecting this alleged debt 1692e ( 11 ) -This company failed to disclose to me that this is an attempt to collect a debt 1692e ( 13 )
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| 01/19/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have sent 2 letters to XXXX dated XX/XX/21 and XX/XX/21 requesting more information about the debt specified. The company keep sending the same information over and over. The debt collectors failed doing the following : XXXX ) Collector failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ).
XXXX ) Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature.
3 ) Collector failed to provide proof when the original creditor claims this debt became due and when it became delinquent.
XXXX ) Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and Collector, bearing Consumer wet-ink signature.
5 ) Collector failed to provide a copy of the last billing statement sent to Consumer by the original creditor.
XXXX ) Collector failed to provide late payment notice and/or account closing notice provided by the original creditor XXXX ) Collector failed to provide Bill/Summary of Consumer Rights.
XXXX ) Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account.
XXXX ) Collector failed to provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State.
XXXX ) Collector failed to provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records.
XXXX ) Collector failed to provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( OMB # 's 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules.
XXXX ) Collector failed to provide verification and/or copy of any judgment if applicable.
XXXX ) Collector failed to provide proof of any interest, fees or other charges expressly authorized by the agreement.
XXXX ) Collector failed to provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector.
XXXX ) Collector failed to provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector.
XXXX ) Collector failed to provide a Statute of Limitations expressly authorized by the agreement. Thus, Collector cant validate Statute of Limitations debt starting and expiration date.
XXXX ) Finally, the Collector failed to provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
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| 02/18/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a service from XXXX XXXX XXXX from mid XXXX up until XX/XX/2021. I was then charged for services in the month of XXXX after the service was suspended due to no payments made for the services for the month of XXXX and XXXX. However, that is not the issue that I am going to bring to the attention of the CFPB. I know I owed them money for the months of XXXX which i used the services for half the month and XXXX I did not use the services at all, but i did not notify them that i wouldn't be using their services anymore. The issue is, on XX/XX/XXXX I received a letter from a debt collection agency by the name of the Transworld Systems Inc. After finding it very odd that I was being charged in the month of XXXX by XXXX after my services were suspended, I reached out to them in regards to being charged for XXXX. While I was talking to them I asked them about the debt collection agency that they sent me to. I asked them what we could do to make sure that it doesn't affect my credit score. I then called the number for the debt collection agency to try to resolve the debt. I first called the number that was stated on the top right corner of the letter. When I tried to call the number it immediately went to voicemail and stated that their normal business hours are from XXXX Est. Monday through Friday. I thought it was very odd that I was unable to get ahold of a debt collection agency on a normal business day. I then googled the address that is also found on the top right corner of the letter. I found a different number to contact, so I called that number. While speaking to a gentleman I gave him the reference/account number that is stated in the letter. He stated that their account numbers are 6-8 digits long. Mine was 10 digits long. He was unable to find my account and then I verified my full legal government name with him to find the same result I did not exist in their system. I found it very odd that I am calling a debt collection agency and they're telling me I don't exist in their system but I am receiving a debt collection letter from them. I called XXXX XXXX XXXX back to ask them how I received a letter from Transworld Systems Inc. for a debt yet I don't exist in their system. I was asked by a gentleman named, XXXX, " What is my goal? Am I trying to start a payment plan? '' I asked him why would I be trying to start a payment plan with you guys if you have already turned me over to a collections agency? Why would I pay XXXX XXXX XXXX when you guys sold the debt off to a collection agency correct? He then put me on hold to speak to one of their " financial guys '' after being on hold he came back with a different account number. Not knowing that the collection agency only uses 6-8 digits for reference account numbers he gave me another 10 digit number. At this point I think he is lying to me about the debt being turned over to collections. I believe that they sent me the deceiving letter acting as a debt collection agency, which is a federal offense. I want a full investigation on XXXX XXXX XXXX for mail fraud. Calls were recorded when I spoke with Transworld Systems Inc.
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| 11/18/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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TSI Solutions, or Trans World XXXX, has taken liberties with the slow moving wheels of our civil jurisprudence system. They customarily violate consumer protection laws knowing consumers will suffer adverse reporting while cases wait on lengthy dockets. Here, they are initiating collections efforts on a debt that has not passed yet from the original creditor. I settled the debt with the creditor, evidenced here, then awaited final invoice. The original creditor is XXXX XXXX, a XXXX XXXX.
" Good afternoon, XXXX XXXX, I want to apologize for the delayed response regarding the early termination waiver. We are still honoring our agreement for the early termination fee. We normally do not waive the early termination fee prior to receiving final payment. However, we were able to receive approval to waive the early termination fee at this time. As previously discussed, this will leave a balance of {$280.00}. Once we received confirmation that the early termination fee is waived off the account we will advise when the new bill will be generated. '' Notwithstanding my swift turnaround of notice, TSI called my office twice, as if attempting to avoid my availability by disregarding my note of hours, then a third time on Saturday, XXXX. I thankfully answered and a highly disrespectful man insisted I validate information on a personal business matter. I did so knowing who it was. Then, abruptly, the man stated he would call back tomorrow without giving a reason. I asked if he could explain but the man hung up immediately.
I acknowledged with XXXX, or XXXX, that a negotiated balance was due. I further agreed to remit. There is a delay in processing payment to XXXX. However there is XXXX justification for TSI to insert themselves.
It should be noted that TSI has formerly attempted collection twice on fraudulent, time-barred debts for pay day loans proven to be both uncollectable and at least XXXX years out of the statute of limitations. I had no knowledge of these accounts, they agreed to remove the accounts, then apologized. Yet 6 months later, TSI returned with a letter attempting again to collect.
It would be prudent to note TSI has stated forthright their inability and unwillingness to comply with state law in writing. I hold these letters as evidence in a former complaint.
Consumers and creditors alike must actively avoid TSI as significant losses are undoubtedly occurring as these novice, aggressive, haphazard efforts to collect frivolous and in my case fraudulent debt have also harmed their creditors reputations in selecting them as intermediary, or final enforcement of debt. They are best known for exploiting tribal lenders under tribal jurisdictions and acting as purveyors of false compliance rules. They misrepresent the law, rules, and in fact, lower the bar for a highly challenging customer facing community charged with a difficult task.
I will absolutely not work with XXXX ( XXXX XXXX XXXX ) as they are highly risky, unknowledgable in their trade, unsafe with sensitive data, and the subject of intense civil and potential XXXX conduct. Caution to XXXX XXXX in future use.
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| 05/04/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Left apartment on XX/XX/XXXX within approximately 2 weeks received a XXXX dollars charge because carpet had a 5 cm XXXX stain and they were going to replace all the carpet. I gave XXXX dollars, and was told that the rest was going to be sent for collection and did not took more payments.
In XXXX I received a collection letter by TSI, I paid XXXX dollars. Expecting to received a subsequent charge and that continue with monthly installments. Did not received any, I emailed my apartment complex to get a contact number for TSI, they did not replied.
Answered a call, and it was TSI collector, ask them to please send me another bill to do an installment, and asked for monthly payment plans. Told OK as long as I am paying. Again, did not received any information.
Called TSI, to update address, and request a monthly payment plan. Agent, said this was recorded and requested, that I should be getting a stub. Received, paid XXXX dollars. Then, again did not received any more documents. I called, requested monthly payment plans and stub was sent, and paid another XXXX dollars. On XXXX, I received a call requested payments and explained to her that I been requesting monthly payments stubs, to do installments. Told to pay, via phone and that she could setup payment plan ( FIRST THE FIRST TIME ), I explained I did not feel comfortable giving my card or bank info, to please send me instructions by mail or email She hang up ( call in XXXX XXXX ).
The following day this was sent to collection. I called back TSI, and an agent mentioned that even though I was doing monthly payments since this was not set up by an agent or documented, this was not shown as I was doing monthly installments, and they sent the charge to the Bureau. I did not received any collections or letter stating that this was going to happen, I was not informed.
I am upset, since I was the one calling on a monthly basis to ask how to pay monthly, doing monthly XXXX dollar payments. Communicated my desire of paying, never denied a payment, expressed my interest and updated them ; and even though I did monthly payments and was in communication with them, they did not updated me about the situation and send my collection to the Bureau, when I was proactively paying and calling them, since I did not received letters/stubs unless I requested them. When I spoke to the agent on XX/XX/XXXX he said nothing to do from his end, that I needed to send a letter to corporate that I did. Requested to talk to supervisor, who said she will review case, but dismissed me.
Since TSI has bad communication within their office, I just immediately paid the remaining balance, in order to avoid more issues with them.
Per them all the conversions are audio recorded and documented. There is evidence I multiple times said " I do not refuse to pay, I am calling because I want to pay, though I can do this in monthly payments, please send me the stub to do my installment ''. They still did not communicated with me, and sent everything to the bureau, which will affect my credit score. This is an abuse, unfair, unjustified and careless.
Please help me!
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| 11/27/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom it May Concern, I hope this correspondence finds you well. Last XXXX XXXX XXXX I received a letter from Transworld Systems stating that I owed XXXX {$1400.00} and had until XX/XX/XXXX to call or write to dispute the debt. I called them on XXXX to advise that I did not know what this debt was and had not received any other correspondence/bill from them or from XXXX. I asked if they had any additional information about this supposed outstanding bill and the only thing they could tell me was that it was from an account in XXXX. When I asked why I had not heard anything about it until now, they did not have an answer for me. So, I disputed the account with them on the phone that day ( XXXX ) and requested a validation letter/itemized bill for the amount requested. I was told that they needed to request that bill from XXXX and to check back with them in XXXX business days. I was also told that they would mail me a validation letter/itemized bill to the address they had on file, which was the same address as the initial letter they mailed me on XXXX.
I called them again on XXXX to ask if there was any update as I had not received anything in the mail yet. They told me that I did not need to keep calling because I would receive a validation letter in the mail from them. However, I was concerned about something falling through the cracks and just wanted to keep double-checking out of concern of this hitting my credit report so I kept calling. I called again on XXXX and also XXXX and these phone calls were identical to the previous two calls. I was told the account was still in dispute and that they were still waiting to hear from XXXX before they could produce a validation letter.
In doing some research throughout this time I found out that a debt collector is required by law to produce a validation letter/itemized bill and are required to do so within 30 days of originally requesting it. I originally requested this on XXXX. On my XXXX and XXXX calls with Transworld Systems Incorporated I indicated that this was way past the 30 day mark to produce a validation letter/itemized bill and wanted this debt collection attempt to be terminated. They told me that the only thing I could do was keep waiting.
Subsequently, I found out on this past XXXX ( XXXX ) that this was reported to all credit bureaus resulting in a substantial derogatory mark and decrease in credit score/rating. I called Transworld Systems Incorporated earlier this morning ( XXXX ) stating that the account was in dispute and that I still had not received a validation letter/itemized bill and that this has now been reported to all three credit bureaus. They are still unable to tell me what the bill is even for. I requested this negative item be removed from all credit bureaus and this request was denied. This has been an extremely upsetting experience. I feel as though I went above and beyond to try and sort this out and that my rights were substantially violated.
Attached is the only mailed correspondence I have received from Transworld Systems Incorporated, the original letter dated XXXX Regards, XXXX XXXX
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| 11/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been having this issue since XXXX of this year and have called the University Accounting Service about 15+ times to get my credit information correct. I am told one thing over the phone and my credit report never shows the fixed solutions I was told. I also filed an earlier compliant with the Consumer Financial Protection Bureau on XX/XX/XXXX and the credit report was fixed for one month and afterwards it went back to showing incorrect payment status and account status. On XX/XX/XXXX is when my credit report is supposed to show my only late payment with this account ; however, my credit reports are showing I am 120+ days late and my status being late and not current. I provided with the University Accounting Service my enrollment during school and they will put my account into deferment since I am in school and told me they will fix the incorrect information, provide to the credit bureaus up-to-date accurate information regarding my account status and late payments. None of this was fixed and I have open multiple disputes with XXXX to get my information fixed but they said they were given the correct information and sometimes, my XXXX XXXX XXXX XXXX account for XXXX wouldn't be updated for at least 2 months while XXXX and XXXX is updated monthly. I can provide all the documentations of disputing with my credit bureaus and I think it would be beneficial to also pull my call logs and conversation with every representative I have had with the University Accounting Service and it'll provide exactly what I am detailing and the understanding that they were providing wrong information to the credit bureaus. I am very frustrated and anger because my credit report has been incorrect and dropped me 100+ points for about 8 months now. I also recently had a conversation with University Accounting Service supervisor XXXX XXXX XXXX on, Friday, XX/XX/XXXX, because I requested for a supervisor, and she fully understood my concerns and said that this issue will be fixed and she will personally make sure of it and sent me a confirmation email advising they will update my information. However, XX/XX/XXXX, I receive a notification my credit information has been updated but updated again with the wrong information and my status of my loan not being current and my payment being 120+ days late. This has been going on for months now and I really need the Consumer Financial Protection Bureau to hold this company accountable for false information and not updating my information monthly and accurate to all credit bureaus. XXXX til this day says they haven't received any information from the XXXX XXXX XXXX XXXX on my loan and it's been since XXXX since it has last been updated. Also, the XXXX XXXX XXXX XXXX and University Accounting Service has all information provided to them that proves everything above and I also have correspondence between us that also proves my point. My credit reports should only be showing a late payment for XXXX XXXX XXXX and everything afterwards I have provided to the University Accounting Service that I was enrolled in school and should be current and in deferment.
|
| 02/20/2023 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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To whom it may concern, My son went to XXXX XXXX in XXXX in XXXX. He was not eligible for a government loan so applied for a loan from the college. He was given a loan and graduated in XX/XX/XXXX with a degree in XXXX XXXX. He then went to the XXXX XXXX at XXXX and graduated in XX/XX/XXXX. He received 3 student loans and a cost of living loan. I was a co-signer to the loans. I worked with -- - XXXX - XXXX | Financial Planner | * XXXX -- - until XXXX XXXX, which XXXX had become a part of, was declared a failed college. The CFPB charged XXXX XXXX with predatory lending and exaggerated claims of employment and ruled that 40 % of the Federal student loans were to be repaid. XXXX XXXX XXXX a percentage of the XXXX XXXX. My son 's loans were in that group.
I received notice that the loans had been bought by UAS- University Accounting Services .
XXXX, Thank you for your help yesterday on student debt relief. Unfortunately when I call and spoke with the them I found this is for federally funded loans only. XXXX had a private loan serviced by XXXX XXXX. They do not service these loans anymore ; as of XX/XX/XXXX University Accounting Service, LC ( UAS ) will collect all payments. I have been unable to contact UAS by phone. The menu comes up, I give the info, and then I am disconnected. I receive an email from UAS but the only web address directs me to set up acct info before I can be assisted...
I had called the Consumer Finance Protection Bureau and found that the information I had was correct, but they said I have to go thru the loan servicer who should have contacted all students by XXXX, XXXX. At that time the loan servicer was XXXX...
After speaking with a representative from UAS, XXXX XXXX XXXX, I find that some of the private loans from XXXX were eligible for debt relief and some weren't. The loans that were eligible are being serviced by XXXX XXXX XXXX XXXX...
If XXXX was purchased by XXXX and students who borrowed through XXXX 's now defunct XXXX loan program are to see an immediate 40 percent reduction in the principal balances, then I don't understand why some loans are eligible and some aren't. The representative stated that the student 's account information was late getting to UAS. The information from the Consumer Financial Protection Bureau said that eligible students would be notified by their loan servicer, XXXX. Because we have not been notified he said we must not be eligible? No contact number is available for XXXX XXXX XXXX yet...
I finally was able to contact UAS in XXXX.
In XX/XX/XXXX we were sent notices about the 3 loans saying that we were eligible to re-amortize the loans.Longer time to pay off the loans but overall the loans cost more. We did elect to re-amortize.
In XX/XX/XXXX, Calvillo Manriquez v DeVos, the court finds the policy limiting debt relief for some XXXX XXXX students illegal.
I contacted UAS about this and we were not eligible.
Here is the contact information for the current lender...
University Accounting Service , LLC XXXX XXXX XXXX XXXX WI XXXX Phone : ( XXXX ) XXXX email : XXXX Website : XXXX Thank you for your consideration
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| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I see this company on my credit report and its causing damage to me and my family members. I never opted in to have my information shared.
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15\nUSC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 11/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Transworld Systems Inc FDCPA Violations FDCPA violations and CONSUMER LAW violation to TRANSWORLD SYSTEMS INC using 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Communication with third parties XXXX, XXXX, XXXX 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs.
( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors -- ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector 's noncompliance was intentional.
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| 09/06/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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RE : XXXX XXXX closed account # XXXX Transworld Systems Inc. account XXXX XXXX I need help resolving a difficult issue caused by XXXX XXXX systemic failure to correct billing errors. Now it is impacting my interest rates, insurance rates and ability to obtain financing.
XXXX XXXX failed to correct initial billing error.
XXXX XXXX failed to provide results of investigation ( their number XXXX ).
XXXX XXXX failed to provide a hearing with a local Utility Hearing Officer.
XXXX XXXX failed to communicate beyond final billing.
XXXX XXXX failed to provide my correct address to the debt collection company.
In summary XXXX XXXX failed to respond to all communications, oral and written, and now inflicting undue damage to my credit profile.
From the day ( XX/XX/XXXX ) we set up a gas service account, we have maintained accurate records of all communication with XXXX XXXX. Since receiving the first bill we have had numerous lengthy telephone conversations and submitted written proof of the billing errors as well as a written request for a hearing with a Utility Hearing Officer with no response. We opened the natural gas account in XX/XX/XXXX to keep a vacant house from freezing and closed the account in XX/XX/XXXX and paid the final bill XX/XX/XXXX, less the amount ( {$330.00} ) in dispute. No follow-up bills or letters were received. This led us to believe they had corrected the account.
But in mid XX/XX/XXXX, during a periodic check of my credit history, there was a new account! In the derogatory remarks section of my credit report, Transworld Systems IncXXXX XXXX now claimed a collection debt of {$330.00}. I immediately called Transworld Systems to dispute the claim. They claimed since I did not response to their XX/XX/XXXX letter within 30 days, my opportunity the dispute the claim expired. Apparently XXXX XXXX had not provided my address ( the same for over 16 years ) to the collections company and so no letter was delivered to me. On XX/XX/XXXX Transworld Systems Inc. sent a letter with sufficient account information such that a formal dispute letter was sent to them XX/XX/XXXX, with no response to date.
I need your help to force XXXX XXXX to correct the billing error and XXXX to remove the collection derogatory remark from my credit record. And since the account has been closed for more than a year and the account is a write off. Without fixing this, it will negatively impact me for the next 5 years or more.
Please let me know if you can force XXXX XXXX and Transworld Systems Inc.to fix this, and if so provide periodic progress reports.
Thank you Sincerely XXXX XXXX XXXX Attachments, copies of 1 ) XX/XX/XXXX letter to Transworld Systems Inc 2 ) XX/XX/XXXX Transworld Systems Inc letter 3 ) XX/XX/XXXX telephone conversations with XXXX XXXX 4 ) XX/XX/XXXX letter to XXXX XXXX with final payment 5 ) XX/XX/XXXX bill payment 6 ) XX/XX/XXXX letter to XXXX XXXX with payment, photos of initial and XX/XX/XXXX meter readings, and XX/XX/XXXX telephone conversation notes.
7 ) XX/XX/XXXX ( XXXX XXXX ) photo of initial meter reading
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| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I recently received a copy of my credit report and found proof that TRANSWORLD SYSTEMS is illegally reporting inaccurate information about me to XXXX. XXXX, XXXX XXXX, and XXXX The alleged collection account is not only listed as being open ( on report it states date opened XX/XX/2023 ) but also has reported a PAST DUE BALANCE of {$1300.00} with an update to all three credit bureaus regarding this alleged account being sent as recent as XX/XX/2023. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and the credit bureaus are required to remove any information that is not true, verifiable and accurate. I would like this account IMMEDIATELY removed from my credit report and I would like the company ( TRANSWORLD SYSTEMS INC/TSI ) to send me an updated report showing their compliance with all XXXX reporting standards and this account removed upon completion. This fraudulently collections account has SIGNIFICANTLY NEGATIVELY impaired my ability to get credit, life insurance, and capital funding.
I have never heard of Transworld, until the collections appeared on my credit reports. I have received NO prior notification from Transworld via email, mail, or phone call and have no debt history or prior business relationship with this company.
I found supporting documentation that the original signed contract from the original creditor is null and avoid. The original creditor presented false accounting information in addition. The original creditor presented a closed paid account as open and wrote a business loss of their on annual taxes to reduce their tax liability while apparently sending my file to collections. Again this account has been paid in full ad was closed several years ago. The original lease is null and void ( as co-lesses signatures are missing from the original signed contract ( XXXX XXXX XXXX XXXX XXXX XXXX ). The accounting history provided in full is fraudulent and full of errors. I would like TransWorld/TSI to remove all collections accounts being reported to all credit agencies immediately given the violation of the FRCA and failure to maintain compliance with strict XXXX XXXX requirements and regulations ( I would like to see an actual carbon copy of the files shared between the original creditor, third party agencies, XXXX XXXX and the three credit bureaus, all meeting XXXX compliance guidelines. I would like a list of all individuals ( full names and contact information for all team members who have personally reviewed my credit file, this alleged collection report, and the name of the person that ultimately made the decision to add this to my credit profile. I also need to see in great detail how your company TransWorld/TPI Inc has maintained XXXX compliant standards in your reporting and sharing of information regarding my credit file to all parties involved.
Thanks in advance for your attention to this matter.
Regards, XXXX XXXX XXXX, XXXX, XXXX
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| 06/04/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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recently received a copy of my credit report and found proof that TRANSWORLD SYSTEMS is illegally reporting inaccurate information about me to XXXX. XXXX, XXXX XXXX, and XXXX The alleged collection account is not only listed as being open ( on report it states date opened XX/XX/2023 ) but also has reported a PAST DUE BALANCE of {$1300.00} with an update to all three credit bureaus regarding this alleged account being sent as recent as XX/XX/2023. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and the credit bureaus are required to remove any information that is not true, verifiable and accurate. I would like this account IMMEDIATELY removed from my credit report and I would like the company ( TRANSWORLD SYSTEMS INC/TSI ) to send me an updated report showing their compliance with all XXXX reporting standards and this account removed upon completion. This fraudulently collections account has SIGNIFICANTLY NEGATIVELY impaired my ability to get credit, life insurance, and capital funding. I have never heard of Transworld, until the collections appeared on my credit reports. I have received NO prior notification from Transworld via email, mail, or phone call and have no debt history or prior business relationship with this company. I found supporting documentation that the original signed contract from the original creditor is null and avoid. The original creditor presented false accounting information in addition. The original creditor presented a closed paid account as open and wrote a business loss of their on annual taxes to reduce their tax liability while apparently sending my file to collections. Again this account has been paid in full ad was closed several years ago. The original lease is null and void ( as co-lesses signatures are missing from the original signed contract ( XXXX XXXX XXXX XXXX XXXX XXXX ). The accounting history provided in full is fraudulent and full of errors. I would like TransWorld/TSI to remove all collections accounts being reported to all credit agencies immediately given the violation of the FRCA and failure to maintain compliance with strict XXXX XXXX requirements and regulations ( I would like to see an actual carbon copy of the files shared between the original creditor, third party agencies, XXXX XXXX and the three credit bureaus, all meeting XXXX compliance guidelines. I would like a list of all individuals ( full names and contact information for all team members who have personally reviewed my credit file, this alleged collection report, and the name of the person that ultimately made the decision to add this to my credit profile. I also need to see in great detail how your company TransWorld/TPI Inc has maintained XXXX compliant standards in your reporting and sharing of information regarding my credit file to all parties involved. Thanks in advance for your attention to this matter. Regards, XXXX XXXX XXXX, XXXX, XXXX
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| 12/16/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Business Information University Accounting Service LLC XXXX XXXX XXXX XXXX, WI XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : UAS is saying that I was late on a payment that they weren't able to notify me about nor did they notify me about. A statement was sent in XXXX of XXXX to the wrong address for payment and an account was added to my report which prompted me to call them in XXXX ofXX/XX/XXXX Come to.fi d out they dont have my phone number, address or email and they had to update it accordingly. I asked them how much are the payments and they said {$120.00} every 3 months. I said okay ill wait for the statement paid same day and been paying ever since. I go apply for a mortgage and get approved and my lender calls me and says you have a 30 day late payment on your report for XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I ask how the rep says it's from XXXX. I ask why wasnt that on the first statement you sent to me in the mail stating that these funds are owed and how can I be late paying a bill i was never notified about or knew about or had a chance to pay? In the system our 1st conversation that only happened because I called since it hit my credit report was in XXXX of XX/XX/XXXX where I was first aware of this. I dont understand why you are telling the credit bureaus that I missed a payment on a debt I was never notified about nor got any disclosures on. You didnt have my address, phone or email on file in XXXX when we first spoke. Nor is the XXXX payment that you say I owe anywhere on the 1st statement sent in XXXX or on any future statements. If you are going to tell the credit bureaus i was 30 days late i think i need to be made aware that i owe you anything.. 1. ) Never got any direct or proper notices until XX/XX/XXXXXX/XX/XXXX 2. ) The statements sent after XXXX of XX/XX/XXXXdont include any payment owed from XXXX yet on the credit report it says XXXX XXXX I was 30 days late while I wasnt even aware of any debt owed. 3. ) The very first statement I received in XXXX of XX/XX/XXXX states on the statement NOTHING is past due I kept for my records it says {$0.00} is owed/past due. How if on my credit report now it says I was 30 days late back in XX/XX/XXXX before our 1st initial conversation in XXXX. This is impacting my mortgage and I have no other late history for the year besides this. I need this 30 day late notice on my report removed asap as I wasnt even aware and the statements after the conversation held in XXXX doesnt even include it.
Desired Resolution : Correction to a credit report Desired Outcome Remove the missed payment off of my credit report asap. I am on the middle of buying my first home and the lender says that's the only thing on my report for the year and its stopping me from getting the home Yet I already spent money on the home and the inspections so I need a quick update to reflect that I dont have any missed payments as settlement is XX/XX/XXXX. So needs to be updated before XX/XX/XXXX.
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| 04/24/2017 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't temporarily delay making payments
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Web |
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Hello, I was a student at XXXX XXXX College. I had taken out loans when I started school XXXX of 2016 wi th the schools financial department, this was my first college that I had ever attended so I 100 % put my trust into this school. I was told that I would have to make a payment every month towards my school loan to stay in school I then stated to them that I was a single mother and my pay checks that I were getting were toward my living expenses and my child 's. So they offered my a stipend to help pay the loan. Then on XXXX XXXX , 2016 ev ery student received a message stating XXXX XXXX College has permanently closed effective immediately. We were not given any notice this was shocking to everyone. I called XXXX who is with XXXX XXXX XXXX XXXX and they had no knowledge to what was happening and that I would be contacted for future information. I did not receive any phone calls for this matter. I then had to look into to other schools and found one XXXX XXXX University who did a teach out and were able to continue but of course for a cost. I am now in my second term there which is actually XXXX quarter there and since being there have been paying on my tuition there. XXXX XXXX college did not leave any funds in my account, they took all my financial aid and my Pell grants so everything in this school is out of pocket. I am currently paying the little I can every month and still have a balance of {$5800.00} not including the next term if I do pass. With all this going on I have recently received a letter stating that I must pay XXXX XXXX XXXX XXXX {$4100.00} which is upsetting because I did not receive my education from XXXX XXXX , the agreement was that I pay back the loan and XXXX XXXX College provide me with my education to complete my XXXX . They just Abandon all of the students and left them with the debt and left us without a degree.The school shut down with no notice, when signing these contracts that never stated what was to happen if the school closed, the only statement that was ever said was if you chose to leave school that I would be responsible, which is fair but I did not make that choice, instead the school was shut down immediately with out any notice. I now have to pay out of pocket to this new school just to finish my education, and I do n't believe that is fair as a single mother just trying to continue on for my daughter to have to pay this amount back. XXXX XXXX College stayed with this money, I did not leave school. did not take an absence or leave, did not fail in my classes but this school just shut down without any notice to anyone. The news was there the day before we were having class normally and not once did anyone say anything. That is completely heart breaking. I am Upset, hurt, discouraged when all I want is to finish my education. I can not pay for these loans with the loans that I have for this new school. There was a breach of contract and XXXX XXXX College should be held liable. Thank you for your time
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| 08/01/2016 |
Yes |
- Student loan
- Federal student loan servicing
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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I am being sued by National Collegiate Student Loan Trust for {$49000.00} in student loans.
I feel I am being harassed, bullied, and treated unfairly! ...
I got an education, I have never been in any trouble in my life in any way, and I have done everything right and all I got out of it is an inability to find a meaningful, livable wage job!
I have no work, no possessions ( no car, no property, hardly anything in an account ), I abhorrently live at home with my parents and since XXXX I have applied to OVER XXXX jobs AND I CAN PROVE IT!! ... On top of all that, I have now been SUMMONED by National Collegiate Student Loan Trust to appear in court for a civil law suite in an amount that is absolutely ridiculous and obscene! ...
Despite my repeated efforts in reaching out for help to find employment from different colleges ( as well as unemployment agencies, job banks, temp agencies, etc ... - YOU NAME IT! ) NONE of the colleges ( or ANY of the other places ) I have reached out for help from have ever been helpful in any way, shape, or form! These thieves ( and I 'm talking about the colleges ) are quick to give you a loan so they can get paid, and then when it comes to helping you find work so that you can actually pay back the loans they gave you, they are nowhere in sight to be found!
I feel I have definitely been a victim of predatory lending and I do n't feel its fair nor right for me to be sued for an amount ( {$49000.00} ) that there is absolutely no way I can ever really pay especially given my circumstances and the lack of real help in finding any kind of gainful, meaningful, livable wage employment.
PLEASE HELP ME and let me know what I can do to get these predators ( National Collegiate Student Loan Trust ) off my back! ... Even if they get a successful judgement against me in court, I 'll never be able to pay! - YOU CANT SQUEEZE JUICE OUT OF A PRUNE!
I believe that instead of suing me, they should SIGNIFICANTLY reduce the amount of loan that I have to pay back. Perhaps something a lot more reasonable, sensible, and workable - such as {$12000.00} or something like that - would be a better alternative than a meaningless judgment for an amount that does n't even make any sense ( {$49000.00} ) and which is completely unrealistic for me to ever be able to repay!
I have recently been awarded a GRANT to attend a training program which promises to better help me to find gainful employment in the field that training is being provided.
This program will end XXXX XXXX. After XXXX XXXX - IF I actually do find gainful employment as they say they will help me to do - I MAY be able to work out a payment plan for an amount that wont create much hardship for me given my changed circumstances at that point in time.
Please let me know what I can do to prevent a ridiculous judgment against me for a ridiculous amount that does n't even make any sense, which will only serve to unnecessarily burden me for XXXX knows how long into the remainder of my life!
Thank you so much! - PLEASE HELP!
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| 01/31/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX XXXX XXXXXXXX. I have been unable to get a job or access credit cards because of you assuming this role. You are in violation of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) if this was a factual transaction ( which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. So pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my consumer report.
THE COMPANY TRANSWORLD SYSTEMS INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
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| 05/16/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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TRANSWORLD SYSTEM , INC COLLECTION AGENCY has violated my rights as a consumer.
Under the FCRA, all unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account number listed above from all of my credit reports.
Be advised this not a refusal to pay, but a notice sent pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g, stating your claim is disputed and validation is requested.
This a request for VALIDATON made pursuant to the above-named. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
AT this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action may constitute fraud under both Federal and State laws. Due, to this fact =, if any negative marks is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must CEASE and DESIST under ( 15 USC 1692c ), Communication. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
XXXX. EXHIBIT A. FDCPA ( 15 USC 1692b ). Infringement upon my consumers right to privacy. You had a right to purchased alleged debt, but you had no right to my information.
2. EXHIBIT B. {$1000.00}. FDCPA ( 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 3. EXHIBIT C. FDCPA ( 15 USC 1692b ( 2 ). not state that such consumer owes any debt ; 4. EXHIBIT D. FDCPA ( 15 USC 1692d ( 1 ). An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
5. EXHIBIT D. FDCPA ( 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and
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| 10/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX, I received a credit alert from Identity theft a company I pay to notify me about changes to my credit report. After reviewing the alert, I found that I had a debt that went to the claims at Transworld Systems Inc ( XXXX ). I contacted Transworld Systems XXXX, and they asked me for my whole social security number so that they could look up my account. I didn't provide them with my social security number, but I did provide them with my last XXXX which they indicated was the social security number used to set up the account. I asked Transworld Systems to provide me the name of the company that sent the debt to them and they said it was XXXX XXXX also known as XXXX XXXX. They would not provide me with an address or phone number, but they confirmed by phone that the name on the account which did not match my name. They also encouraged me to look up the phone number online to XXXX XXXX. They said they would initiate a fraud claim and contact XXXX XXXX so that they are aware of the dispute. On XX/XX/XXXX, I called back Transworld Systems XXXX along with a representative from Identity theft to gather additional information. I was told by Transworld Systems XXXX that the debt was accumulated in the city of XXXX, tx and they provided the address. They also provided the date when the account was opened ( XX/XX/XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) after looking them up online. The representative was very friendly and helpful and explained that XXXX XXXX was not a business any longer, but they were called XXXX XXXX, a company that assumed their accounts ; she looked up my account based on the information I received from Transworld Systems which was a phone number and the name of the individual they provided and confirmed the name and spelling of the individual who opened the account. The first name of the account holder does not match mine. I asked the representative for more information and paperwork. The representative said that it appeared that there wasn't a driver license or social security number used to set up the account so she couldn't provide me much information other than the account was prepaid until the individual stopped paying for the electricity service. The amount owed on the account is {$1100.00}. The company said they would have an individual reach out to me and asked me to complete a federal commissions theft report. Also to provide an electric bill between the times of the service XX/XX/XXXX - XX/XX/XXXX. They also want me to submit a police report. I received the bill by mail with someone else name on the account, the name was XXXX XXXX not XXXX XXXX. Transworld Systems XXXX said that they had my social security number on the account but the other compay XXXX XXXX XXXX XXXX that there was no social security number used to set up the account. Also what was concerning was that a prepaid account owed money which would mean it was no longer a prepaid account if the service was still being provided after the prepaid funds had been used up.
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| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have made this dispute with XXXX on several occasion. This last occasion I submitted indisputable proof. Every 30 business days or so since the start of the new year I have disputed 3 accounts with XXXX all three are with the same company for medical bills. The debt collection agency is TSI/ XXXX also known as Transworld Systems and the account numbers are as follows XXXX, XXXX, & XXXX. My last dispute on XX/XX/2019 which was received on XX/XX/2019 by XXXX and was verified by a Manager at XXXX by the name of XXXX employee number XXXX, this dispute letter simply addressed the fact that the account was showing as a charge off and also was showing a past due balance which it can not show a past due if the account is charged off. It also didnt show a DOS or DOLA date, further violating my consumer rights. The open date was also showing an incorrect date for the account and with all of these things I asked them to delete the misreported account from my credit file. I also sent in a copy of checks that I wrote to the collection agency and the stipulation of cashing those checks which was to remove the accounts from my credit report and consider them paid and satisfied. They cashed those checks and did not have those files removed, they did not even update the payments that I sent back in XXXX or try to deduct that from the balances shown after they cashed the checks. The information has been updated every month for the same amount as before they cashed each check. I called XXXX on XX/XX/2019 I spoke with two agents explaining all this and they refused to help me so I asked for a supervisor I got XXXX employee number XXXX who also refused to help me after 30 minutes of being on the phone so I asked to speak to a manager. Thats when I spoke to XXXX employee number XXXX and I asked him what the course of action is when a customer disputes an account for accuracy and provides proof what does the investigation by XXXX intel? His response like all the other XXXX robot agents is that they only initiate the investigation they dont report information or change it, so they present what the consumer says to the agency that has reported the item and then whatever the response is by that company they go with that and close the dispute. I explained how that was a clear violation of my rights given the proof I had presented, plus that fact that they didnt even update the amounts of the checks they cashed to reflect on the balance. XXXX and XXXX ruled in my favor so how is it given the same information XXXX just goes with whatever Transworld/TSI has to say when I clearly proved them to be reporting false information. After and hour and ten minutes on the phone getting nowhere, the conversation ended with the manager blatantly telling me that they will not change anything until TSI updates the information and that TSI doesnt have to prove any of what they are reporting. Its baffling to me that XXXX even opens a dispute at all given that they dont investigate. Something needs to be done.
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| 08/15/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2021 I received a letter from Transworld Systems Inc. In attempt to collect a debt on behalf of XXXXXXXX XXXX XXXX XXXX, Account number XXXX XXXX with a balance of {$2000.00} ; in which I responded asking for them to provide me with the 5 things that constitutes validating a debt, and even thats not validation but nonetheless an allegation unless I agree pursuant to 15 U.S. Code 1692g - Validation of debt ; I continued to respond by Denying all allegations and to cease all contact with me on XX/XX/2021. Transworld Systems Inc. contacted me on several Occasions after telling to cease all contact with me, on XXXX XXXX in which was all on a recorded line, A debt collector for the company TSI by the name of XXXX admitted to fraud by telling me that 1. this was an attempt to collect a debt and 2. that she received my information from someone who I did NOT give permission to give my information to anybody which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer.
I proceeded to ask XXXX if there was a senior executive that I could speak with but I was told that I was speaking with the only person who could help me and that she's not aware of these federal laws stated and that if this alleged debt wasn't paid then an attorney would get involved which would result in a negative furnished to my consumer credit file and fines ; which is a violation pursuant to 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. TSI contacted me again on XX/XX/XXXX, XXXX at very inconvenient times that I explained to them I was headed to a funeral, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection " ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Pursuant to 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of such additional damages but not exceeding {$1000.00} per violation.
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| 11/05/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Original Complaint - " The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/XXXX. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX. On XX/XX/XXXX, TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED with a remedy, of closing the account and contacting the credit bureaus, which TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " Dear XXXX XXXX XXXX : Transworld Systems Inc. ( TSI ) has received your complaint filed with the Consumer Financial Protection Bureau for the above-referenced accounts. TSI has researched this matter and the findings are set forth below TSI requested and has received validation information for the above-referenced accounts. Since this relates to a medical account, TSI will forward the validation information to you via mail under separate cover. You may contact XXXX XXXX at XXXX for inquiries on the above accounts. Please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above accounts on your credit profile in a disputed status. Please be advised that we can not effect a change to how any other company may have listed the above accounts on your credit profile. We appreciate the opportunity to respond to your inquiry. Very truly yours, TSI Consumer Affairs. '' This is my second contact to TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED in an attempt to give TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX XXXX XXXX ; thus, XXXX XXXX XXXX ' contract would not be with TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORATED, but with XXXX XXXX XXXX.
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| 11/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Two days ago ( XX/XX/XXXX ), I got a letter from TSI ( a debt collection agency ). They said I owed a total of {$150.00} from three incidents. XXXX XXXX XXXX is the creditor supposing these transactions. I believe this is from the SAME incident which occurred last year between XX/XX/XXXX to XXXX at a XXXX in XXXX, AL. I have NO idea how they happened or what MEANS they were able to use my identity to perpetrate these crimes. I have already filed a report with the FTC during the month of XXXX of XXXX. At that time, XXXX XXXX XXXX was attempting to recover this false debt. I did file a forgery/identity theft declaration with them, via fax on XX/XX/XXXX. I did NOT provide them with my ss # or driver 's license, because 1 ) I did not feel comfortable doing that over the phone and felt it may have been phishing, 2 there was no proof that either were involved and 2 ) the person I spoke to on the phone would not disclose any additional information about HOW the identity theft was perpetrated. I do NOT live in XXXX and I have not been there in nearly 10 years. I then notified the XXXX Police Department of the incident in an attempt to resolve the matter. I got an email from a XXXX XXXX XXXX ( XXXX ) assigning me a case number ( XXXX ). I had not heard anything more from either XXXX or the XXXX PD until XX/XX/XXXX. XXXX XXXX XXXX sent me an email to let me know he would no longer be handling my case and gave me a number to call ( XXXX ) to find out who would not be handling my case. I tried several times over the next few months, but I never got a reply from them. I had not thought much about it until two days ago when I got the above-mentioned letter from TSI, attempting to, again ( I believe ), collect this debt. Today ( XX/XX/XXXX ) I called XXXX to verify that I had NO debt collections appearing on my credit report. The AFFIRMED that I did NOT have any collections showing. I have been paying for a credit monitoring service from them, which allows me to see reports from ALL credit services. I talked to their XXXX XXXX XXXX office, and they CONFIRMED that there are NO collections showing on my credit reports, but he did advise me to call the other two services ( XXXX and XXXX ) to verify WITH THEM that no collections are appearing on my credit report with them as well. I do plan on doing this later today. I have placed a new fraud alert on my credit report ( since the previous one expired ). Finally, as recommended by the representative with XXXX XXXX XXXXXXXX XXXX XXXX department, I went on the XXXX web site to get a copy of my credit report. I didn't find ANY new accounts opened or anything suspect. The representative said that the letters I have been receiving COULD be phishing, but I just don't know since it seems that, although no collections are showing and have NEVER shown on any of my credit reports, why did I get the letters from XXXX last year, and why NOW am I getting another one for the same amounts THIS year? Please help me resolve this for once.
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| 06/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2022 I received a letter in the mail from a collection agency called Transworld Systems Inc. They are claiming that I owe a debt to a company called XXXX XXXX XXXX XXXX. I never heard of neither of these companies and I don't have contracts with neither of them either. They said I have 30 days to respond to them otherwise they will assume that the debt is valid. They said if I don't pay the debt XXXX XXXX XXXX XXXX XXXX continue to report it to credit reporting agencies as unpaid for as long as the law permits it. I responded to them immediately.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1692 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S. Code 1692XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) not state that such consumer owes any debt ; 15 U.S. Code 1692XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
15 U.S. Code 1692XXXX ( a ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S. Code 1692XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
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| 04/02/2020 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
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I disputed the debit with the company in writing. They did not respond to my correspondence. Instead they turned it over to Transworld XXXX.
Transworld XXXX is calling me at work on a phone that I use for business. I have repeatedly informed them to not call me at this number ( 3 times over the past month ). I have supplied them with my home phone number to discuss this matter, so they do have a way to contact me.
Each time I've called them because the call I am receiving is a robo call instructing me to contact one of their agents by name. I do not speak to this person the recording lists when i call back.
Whomever answers the phone i inform them that the number they're calling, I provide them with the number I'm informing them not to call, is a work cell phone number used only for business. My employer does permit calls relating to personal matters during business hours. That disciplinary action can be taken if employees are found to be doing so.
They can call me at my home and I provide that number to them giving them the hours I am available at that number and if they call outside that time frame they will not be able to reach me. I asked them to repeat the number the last 2 times I called to make sure they have the correct number. That's for both the number they're calling and the number I gave them to call. Each time they ask me to please give them 24 hours to get the number changed in their system and that I may receive another call before it gets changed. I acknowledge that, thank them, and end the phone call.
The last two times, after they go through their script about it taking 24 hours, I inform them that I've been told that the last time ( s ) and it's been over a week and I'm still receiving calls. They apologize and tell me it will be taken care of.
These calls are daily, everyday I get one between XXXX hours and it's not always from the same number. Sometimes it's a XXXX number sometimes it's from a local area code XXXX or XXXX.
I understand given the climate in today 's world things may take a bit longer to get accomplished. This has been going on now for over a 6 weeks. I think that's more than enough time. They have now officially had an impact on my professional life.
My Manager has taken note of these calls. Since I use this number for business I always take the call only to hear this recording. I hang up immediately but it has happened in front of him more than once. The guy is a " donkey '' and doesn't care about what I've done to get them to stop or that its beyond my control.
He blew it out of proportion this week passing me over for a pay raise that I have been due for over 6 months. Referencing these phone calls as not only disrupting my work responsibilities but explaining why would he promote someone to manage a department when he can't even manage his personal life. Was this a XXXX reason to do that, yes it is but he did it just the same. Now I'm livid and I want reparations for the damage they caused.
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| 12/22/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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On XX/XX/2018, I submitted a payment to XXXX in the amount of {$3500.00}, which was the full amount of the student loan. Payments were not yet due, but I wished to pay off the loan early.
On XX/XX/2018, we got a notification stating that our account had been overdrawn and now had a negative balance. We saw that XXXX had charged us the full amount of the loan, {$3500.00}, twice! That same day, we filed a claim dispute with our bank, XXXX, in order to recoup the funds that had been erroneously removed from our bank. We also contacted XXXX who stated they would refund us {$3500.00}. On XX/XX/XXXX, XXXX refunded us {$3500.00}.
On XX/XX/2018, we received a notice that our original payment had been returned and XXXX had charged us a {$25.00} returned check fee. Apparently, XXXX denied the other {$3500.00} payment that we HAD authorized, perhaps because it was not clear which one was authorized and which was not. On that same day, XX/XX/2018, we removed our bank account information from XXXX as it was clear our money was not being managed responsibly. I called XXXX and they agreed to remove the {$25.00} fee as it was not our fault they had charged us twice.
On XX/XX/2018, we saw that our account with XXXX had been reset to show that we again owed {$3500.00}. We called XXXX and informed them that we did not see a second refund of {$3500.00}. We called XXXX and confirmed no second refund had been deposited in our account. XXXX said they would forward our concern along with bank account screenshots to their account specialists. We watched our account for a few days to see if the funds would eventually post to our account, and they never did. We called again and sent an email complaint on XX/XX/2018. Today is XX/XX/2018, and we still have not been refunded the other {$3500.00} that XXXX claims they refunded us, and our loan account balance remains at {$3500.00}. I have contacted XXXX at least ten times, and spoken with supervisors, who continuously say they forwarded my concern to account specialists and have not received any response. Supervisors have told me multiple times that they will follow up with me, and have not kept their word.
In summary, our money has been irresponsibly handled by XXXX and they have failed at communicating with us in a timely manner. Although they refunded us one payment of {$3500.00}, they claimed they refunded both, but we never received the second refund. The fact that the " account specialists '' have not responded to us after we submitted the complaint on XX/XX/XXXX is unacceptable and evidence of their blatant disregard for their consumers. We put our trust in XXXX to responsibly handle our funds, and they have shown they are incapable of doing so. We would greatly appreciate help in eliciting a response from XXXX and receiving the {$3500.00} that they claimed they refunded us. This way, we can again try to pay off our loan, hopefully without the stress and anxiety that we experienced the first time.
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| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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You are in violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) as well as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulatory protections to consumers, as you are collecting on a debt that is invalid/fraud, used abusive and harassing collection tactics during a phone interaction, and incorrectly reporting a collection account that I have no knowledge of due to it being invalid/fraud as well as never having permission to use my personal private nonpublic information to open said account.
I noticed on my credit report that you are incorrectly reporting a delinquent account with the original creditor for XXXX XXXX. Concerned I contact you all via phone on XX/XX/2023, I was informed through abusive/harassment tactics by a representative that I was delinquent for a light bill in the amount of {$1400.00}. I requested for the service address and was given XXXX XXXX XXXX XXXX, TX XXXX. I advised this is fraud as I have lived at my current address since XX/XX/2023. I have never lived in or even visited XXXX Texas. The representative requested my current address so I could obtain a current bill and file a police report. Not feeling comfortable I advised I would not give this information. Through out this interaction he continued to intimate and coerce me into giving current information.
I highly encourage you all to listen to the call interaction that I am most certain was recorded because the representative is your company and you all have attempted to collect a debt that is unfair, fraudulent, and false. Transworld System Inc has used abusive tactics to intimidate, coerce, and force me to give a current address to send a bill so I could file a police report for fraud. The representative made a comment of How will I file a police report if I didnt have a statement. This statement is a form of coercion, intimidation and constitutes abusive acts/practices. He wanted me to give current information and made this statement to mislead, tricked, coerced, and intimidated into giving my current address by continuously requesting current information.
You are also violating FCRA as Transworld System Inc is furnishing/reporting incorrect and false information to my consumer reporting agencies. I demand an investigation of this dispute regarding this information that is being furnished to my tradeline and notify me of your findings. Transworld System IncXXXX XXXX did not have my permission to open this account in my name with my personal private nonpublic information to include my date of birth and social security number.
You are also in violation of the XXXX regulatory protections as your incorrect/false/fraudulent reporting on this account has caused financial harm to my credit tradeline by impeding me in obtain favorable credit reporting and credit approval with other creditors. This negative reporting has significantly dropped my credit report and I demand it be immediately removed.
|
| 01/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX I made a reservation with XXXX for a total amount to be paid, including fees and taxes, of {$1100.00}. I did not make any additional elections or add-ons upon picking up the vehicle on XX/XX/XXXX.
On XX/XX/XXXX, I returned the vehicle on time to XXXX XXXX XXXX XXXX XXXX. However, my XXXX XXXX ( XXXX ) credit card was charged {$1600.00}. This charge was {$510.00} higher than the agreed upon amount in the reservation.
On or about XX/XX/XXXX I contacted XXXX by telephone after noticing the {$1600.00} charge on my XXXX statement to inquiry why I was charged {$510.00} more than the reservation amount. I paid the full amount to XXXX but believed I was due a credit/refund. The XXXX representative I spoke to stated that I had already been credited {$200.00} on XX/XX/XXXX which should be reflected on my XXXX statement and that he would credit the {$180.00} Liability Ins. Supplement charge. Later that day after reviewing my XXXX statement and not finding any {$200.00} credit from XXXX as the representative claimed there was, I disputed the charge with XXXX. Based on my conversation with the XXXX representative, I requested a credit of at least {$380.00}.
In XX/XX/XXXX the dispute was settled by XXXX in my favor.
In XX/XX/XXXX I received the XXXX invoice for {$380.00}.
On XX/XX/XXXX I contacted XXXX by telephone at XXXX, the telephone number on the invoice. The representative I spoke to could not locate the reservation and requested that I email her the original reservation for {$1100.00}. I forwarded the original reservation email to XXXX. After reviewing the reservation and final charge, the representative acknowledged that XXXX erroneously charged me a different rate, resulting in an overcharge of {$510.00}. The representative claimed that XXXX would issue a refund for this amount after I paid the invoice of {$380.00}. I requested to speak to a supervisor to propose that the invoice from XXXX simply be voided and I would forfeit the additional amount XXXX owes me. I was told no supervisor was available, but that I would receive a call back in the next XXXX hours, but no later than Monday XX/XX/XXXX. After requesting a case number, the representative gave me case number XXXX. No call or message from XXXX was ever received.
On XX/XX/XXXX and XX/XX/XXXX, I called XXXX again. On both calls, XXXX representatives acknowledged I was erroneously charged a higher rate, but stated no supervisor was available, and that I would receive a call back. No call or message from XXXX was ever received.
On XX/XX/XXXX, I mailed a written response to XXXX explaining the above. The only response I received was that my XXXX rental privileges and membership had been cancelled.
In late XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a debt collector, that they are trying to collect a debt owed to XXXX for {$190.00}.
XXXX has fraudulently invented a debt that I do not owe and forwarded part of it to a debt collector.
|
| 05/17/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
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Web |
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I had a lot of debt prior to my student loans and I was trying to get that under control so that I was able to pay back my student loans when the deferment period was over. I was scammed by a lawyer company that promised to help reduce and eliminate credit card debt to avoid bankruptcy. I lost over {$7000.00} in the process. I canceled my account with them and they only returned {$780.00} to me and did not help me handle my debt. I ended up filing bankruptcy in XXXX . Well ti me was coming where I had to deal with my student loans both private and federal. The private len der XXXX sent my d ebt to a debt collector XXXX and XXXX . This debt collector contacted me and wanted me to pay {$2000.00} per month to clear the debt. I told them I could not pay that much. They proceeded to send me court papers to initiate wage garnishment. I made several attempts to go to the court and ask for lower payments. I was unable to talk to and person in the courtroom. I attempted to get a lawyer to help me with this situation and I could not find an attorney that would even touch the case. Garnishments started in XX/XX/XXXX and continued til XX/XX/XXXX , where the payments being taken out of my paycheck were being returned to me because XXXX filed bankruptcy. I believe I go t 6 of t he payments made, returned to me. The garnishment finally stopped around XX/XX/XXXX . No other mention of the garnishment was made until XX/XX/XXXX where the garnishments were reinstated and money again was being taken out of my paychecks. At this point, the garnishments put me back into poverty. I lived in subsidized housing and was barely making ends meet just to pay my rent. I to ok two more jobs to help me pay my rent. I even canceled my landline and my cable to help reduce my monthly expenses. I already use coupons and recycle to save money. Well, since I lived in subsidized housing, there were income limits to follow. In XX/XX/XXXX , I received a letter from my housing management that HUD was going to have residents that earned more than the income limits, move out. Even though I was above the income limits, I was being garnished so much that I would not be able to afford to live outside of subsidized housing. I was having a hard tim e paying for rent as it was.
I had depleted most of my 401K account j ust to get by and be able to buy food. I did n't even qualify for free food because I made too much money. Now I not only owe on the student loans, but now owe the IRS more than {$24000.00} ( XX/XX/XXXX ) and roughly {$7000.00} ( XX/XX/XXXX ) because of the money I have taken out prior to me turning XXXX . I have had to move back in with my mother and take a job that only pays $ XXXX /hour. This hourly wage, according to HR, is recommended for the 30 years of experience that I have in XXXX . At this point, I do n't know how I am even going to get started with regards to paying back these loans.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Account information : Original Creditor-Overlook at XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX ( XXXX ), XXXX ( XXXX ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Transworld Systems Inc is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Transworld Systems Inc, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transworld Systems Inc whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Transworld Systems Inc never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I cancelled my XXXX XXXX around XXXX in XXXX, after noticing I was still being charged for several months while the gym was closed due to the Covid-19 pandemic. I spoke with two of their employees ensuring I would be reimbursed for the amount taken from my account during their closure. The first staff member I spoke with asked few questions and said I should expect to be credited within a couple days. The credits did not get refunded so I reached out a second time and spoke with another staff member who helped me through the process of crediting my account as previously promised. During that same conversation I informed them the coronavirus outbreak resulted in me losing my job and I needed to cancel my gym membership. She said I could cancel at that time, or instead, I opt for a temporary account hold that would automatically renew in six months. I refused the hold and clarified I was only interested in cancelling as I was in a state of financial uncertainty and had concerns about health safety. She verbalized understanding and agreed to cancel my account.
Over a year later in XX/XX/XXXX, I was reviewing credit card statements and noticed the XXXX had been charging me monthly membership fees ( $ XXXX. XXXX from XX/XX/XXXX - XX/XX/XXXX. I contacted their customer service on XX/XX/XXXX about the mistake, and informed them I had not been a member, nor had I attended their facilities since their shut down during the pandemic.
After many weeks, the XXXX charges had not been refunded so I consulted with my credit card company via telephone, to investigate the issue.
XXXX XXXX refunded my account and proceeded to contact the XXXX requesting documentation proving valid membership, or a term agreement showing I was financial responsible for fees from XX/XX/XXXX - XX/XX/XXXX.
Due to the XXXXs lack of communication and failure to provide documentation, XXXX XXXX fraud investigations concluded I was not responsible for the disputed charges, I won the case and the claim had been closed.
Shortly after, the XXXX began sending threatening letters and emails regarding an outstanding balance.
Next, on XX/XX/XXXX, I began receiving TransWorld Collections notifications stating theyd taken on the debt of {$170.00}. The first letter explained that it was my Right to notify the agency within thirty days informing them of inaccurate/disputed charges, which I did.
Since the case has closed, Ive continued to be harassed by both the XXXX, and TransWorld Collection Agency falsely accusing me of owing {$170.00}. The investigation preformed by my creditor supports that I do not owe any money to the XXXX, nor do I owe TransWorld Collection Agency.
I lost my job during the pandemic and was unemployed each month I was unknowingly charged for a membership I did not agree to. Im disgusted on how unethically the XXXX has handled this issue, and I do not deserve to be continuously taunted with debt threats from TransWorld Collection Agency.
|
| 02/05/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
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I am having a lot of difficulty tracking who owns/who is collecting on a private student loan. At first, I was paying a lender called " XXXX XXXX XXXX '' ( since approx. XXXX ), which then became Younomics at some point in approx. XXXX. Given the HIGH interest rate on the loan, and the fact that I have student debt around {$150000.00}, I worked out a payment plan with Younomics, with me paying approximately $ XXXX towards what started out as a ~ {$20000.00} loan. Given the high interest rate ( which I find unconscionable, and I'm not even sure which loan this is because I never borrowed from a company called XXXX XXXX XXXX ), you can imagine that {$150.00} is a drop in the bucket. Even after paying for almost 10 years, my principal amount has not gone down. However, this is what I can afford given the amount of money I pay towards other student loans, housing, etc.
In XX/XX/XXXX, when I tried to renew my payment plan as I had been doing every year for several years, I received a response with a three page document asking for a litany of information that I don't believe a lender is entitled to, including my income, every other loan I am responsible for ( including monthly payments and amount outstanding ), my monthly budget in every aspect ( food, utilities, support payments, insurance, other ), my account balances, my employer, my account numbers, my SSN, etc. It was invasive and I refused to fill it out. The email response I received when I asked why I had to fill out this form when I never had to before was, " This is the new process now. '' It seems unconscionable to me that a lender can change its terms/processes without any notice to the borrower.
I continued to pay the amount I had been paying and refused to fill out the new form. Since I refused to fill out the form, the payment arrangement expired and my monthly payment amount went up significantly. I can not afford this. The loan then apparently transferred to a company called XXXX XXXX. XXXX XXXX has been reaching out in the last year, and I gather they are a debt collector. I've emailed XXXX numerous times in XXXX asking them to prove they have the legal right to collect on this loan - they have not responded. They have put multiple bad marks on my credit score.
I understand that I am responsible for the student debt I took out, but I am drowning in student loan payments. This is a private loan that I took in college, when I was 18-21 years old, without any real understanding of what interest, APR, etc. meant. I don't even know which loan this is since it has hopped from company to company so many times and every time I ask for proof of ownership of the loan or a promissory note I signed signaling that the person try to collect the loan has the legal right to do so, I do not get any response. I don't know what else to do, and I don't understand why 15 years later, a $ XXXX loan is still haunting me and now destroying my credit. Please help.
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| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX IS IN VIOLATION OF 603. Definitions ; rules of construction. This company refuses to take off accounts that have been deleted to ensure accuracy of my consumer reports. I will provide proof of deletions below.
[ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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| 10/17/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XX/XX/XXXX. I now have a pre-trial conference scheduled forXX/XX/XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2. XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized.
3. It is unclear if the name listed under the lender, XXXX XXXX XXXX, XXXX. Is an authorized signer. Most companies have a delegation of authority in place.
4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans.
5. XXXX XXXX XXXX was acquired by XXXX XXXX in XX/XX/XXXX but did not change their name until XX/XX/XXXX. It is unclear whether XXXX XXXX sold the debt or paid it off when they purchased XXXX XXXX XXXX.
6. XXXX XXXX is unable to confirm the business transaction between XXXX XXXX XXXX and XXXX.
When I read the XXXX XXXX XXXXXXXX XXXX about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XX/XX/XXXX. You finally did a review and filed a complaint against this entity in XX/XX/XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
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| 03/05/2021 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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As a student beginning college in XXXX, I was approved for a student line of credit through XXXX XXXX XXXX XXXX with a co-borrower. The loan servicer for the account is University Accounting Services, LLC ( XXXX XXXX XXXX
At the end of XX/XX/XXXX, two statements were posted one of which had the correct billing date ( XX/XX/XXXX ) and {$0.00} due with the cycle ending XX/XX/XXXX, while the other had a cycle ending XX/XX/XXXX ( total interest charged for 8 days despite the cycle length being 31 ) and a billing date of XX/XX/XXXX and {$690.00} due. My co-borrower called XXXX XXXX on XX/XX/XXXX and talked with the loan servicer on the phone. XXXX XXXX confirmed that the statement with the cycle ending XX/XX/XXXX was sent in error. My co-borrower also asked that the loan disclosure documents be made accessible on my account and was told they would be there in 3-5 business days. The only documents to become available online after 5 days were my past statements. To this day there are still no loan disclosure documents on my account.
I became extremely concerned when my statement due to arrive in XX/XX/XXXX was not posted until XX/XX/XXXX and noticed the information on this statement was based on the error statement. After discussing with my mom, who works for a credit union, we were under the assumption that the error statement would have been removed and the new previous balance listed on the statement for XX/XX/XXXX would be the balance of {$100000.00}, which was listed as the new balance from the XX/XX/XXXX statement ( the one that was deemed to be correct by the loan servicer ). However, the balance listed is {$100000.00} that was stated on the error statement. I also noticed that the due date for payments had suddenly changed to the date of the 18th of the month and not the 10th. Since the statements are off, I am not sure if I am being over-charged in interest as that is what it looks like.
After seeing the statement posted XX/XX/XXXX, I immediately sent a secure message through their website, which is their suggestion, informing them of my issues and requesting a full account audit from loan inception through the current statement period. I gave them 30 days and have not heard or seen anything. I also do not have a statement for XX/XX/XXXX ; not sure if that is considered an issue especially when my next payment would be around XX/XX/XXXX, but I currently have no idea how much I would owe. I realize it would be XXXX since I am in deferment, but if that was not the case I would be cutting it really close. I would also like to point out that when calling in to their number and giving my SSN and DOB to confirm my account, they are unable to recognize that I have an account. So, I am concerned. And being a recent graduate, I was not fully expecting to be dealing with something like this, which has caused an increase in my anxiety. It seems as if the loan servicer is ignoring me at this point.
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| 12/10/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Company name XXXX. Account number : XXXX ( New York XXXX Collector Name : Nationwide Credit XXXX XXXX XXXX Phone Number : XXXX ) Reference Numbers : XXXX XXXX / XXXX XXXX I signed with XXXX XXXX the end of XXXX for their " Quaterly Plan '', which has a cost of about {$150.00} give or take depending on the size of the house. The payment is to be collected every 3 months. I know this information since I have used XXXX before, and it's even advertised on their website. The first payment was collected at the time the technician came to the house, around XX/XX/XXXX for {$120.00}.
At the end of XXXX, I noticed a second charge for the same amount, which was incorrect since my payments are supposed to be due every 3 months. I called XXXX immediately, the rep on the phone said I was signed up for another plan called the " XXXX XXXX '' and she would have to ask a XXXX for approval to change the plan to the " XXXX '' plan. She said that someone in XXXX would call me back once the change is done. No one did.
During the first XXXX weeks in XXXX I called several times, spoke to different reps and they would all say the same that someone would call me back as they did not have the authority to process this change even if it was a mistake. This is all happening while their accounts department is calling me constantly to collect payment, and every rep in that department I spoke to had no clue about the issue and I had to reinform them every time they called.
Finally, on XX/XX/XXXX a XXXX XXXX with the name of XXXX XXXX left a message saying that the change to the " XXXX plan '' could definitely be done, and that he could helped me with that. But he also said he wanted to speak with me first as he did not think it was a good idea. I called the XXXX back many times in XXXX and XXXX and left him voice messages but he never returned my call. This is his direct line : XXXX.
XXXX calls from XXXX and texts starded morning and night. Every time I go the chance to answer I would have to explain to the rep the same story over and over but no resolution to the problem. At time every rep would tell me something different. XXXX even said to me yes I see that technician that initially came to inspect the house wrote that there was no termites. Other rep told me yes your plan is changed, but that someone needed to come to the house and collect the termite baits, no one has been back.
At this point, I do not even want to have their services any longer. They only came to my home once and within the first month I called for them to come again to re-spray as we spotted aunts, and they never came. They never sent someone to removed the XXXX baits that I don't need. They are trying to collect money for an incorrect service, and for only XXXX visit provided.
Here are the XXXX collection bills mailed to me ( not sure why there are XXXX separate collections ) : {$360.00} ( XXXX XXXX XXXX ) {$720.00}. ( XXXX XXXX XXXX )
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| 10/12/2016 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Having problems with customer service
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Web |
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I have been attempting to obtain a reduction in student loan payments. Currently, my wages and income tax refunds are under garnishment. On XXXX occasions the necessary paperwork has been submitted yet my responses have been in the form of letter advising me the XXXX has submitted my account for debt collection. On XXXX/XXXX/2016 I received a response to my latest request for a reduction. I immediately contacted the XXXX number ( Saturday hours were listed as XXXX ) at XXXX and received a recording the office was closed. On XXXX/XXXX/2016 I received another notice advising me the XXXX had placed my account in delinquency status with a collection agency ( Trans World Systems Inc ) and they were unable to contact me and I needed to contact them. I called and spoke with XXXX XXXX, who informed me the reason they send me this notice was due to their inability to get in contact with me and I needed to submit the same form I had submitted ( I have copies believe the credit agencies are UNFAIR in their practice and deliberately or callously delay repayment negotiations by constantly asking for the same information or in my case generating a debt collection notice when in fact the account is being repaid. The notice does not state a reason why all the paperwork was rejected or what was incorrect. The letter tells me to send all correspondence to the collection agency address. I submitted over 20 pages of documents and it is obvious they received something, what I find troubling with this situation is why I receive a debt collection notice rather than a professional acknowledgement of my documents as well as what items are further needed to process my request. It is time-consuming to gather all the documents required by XXXX for consideration of reduction. I am deeply troubled by the {$20.00}, XXXX in penalties assessed to my account and how no communication is mailed to me on a regular basis since my wages are garnished on a regular basis. Nor do I receive a balance statement. In the past I had to file numerous complaints against the collection agency for harassing calls at my workplace, cell phone and home phone.
As I have stated to the agency in the past, I do not want phone calls, I want all communications in WRITING. That is not illegal or against the law to ask for this request. Yet when I submit information in writing, I am told they could not contact me and I need to call them. But when I call I am told I need to resubmit information previously submitted but with no explanation as to what if anything was incorrect. Not only do I seek a reduction in my monthly payments, but I am requesting to receive a monthly statement indicating how my monthly and yearly payments have been applied over the past two years as well as payments in the past. I feel the collection agency is being deceptive and assumes that customers are ignorant or afraid to question their questionable business practices.
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| 02/05/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXX, I had an emergency medical in XXXX XXXX NV - away from home. I was treated in ER and was hospitalized. Numerous bills resulted from hospital, ambulance company, other doctors that treated me. I requested payment plans with most of them.
I received an invoice from XXXX XXXX XXXX, XXXX mid XXXX. I entered into a payment plan with them for {$25.00} per month XX/XX/XXXX. I did not realize the would not deduct the {$25.00} per month automatically like the other arrangements I had made.
On XX/XX/XXXX, I received one letter from Transworld Systems Inc a collections agency letting me know they were trying to collect a debt from XXXX XXXX XXXX. I checked my file for all of my medical bills from my XX/XX/XXXX hospitalization and had no such bills from that name.
I received two calls in XXXX one on XX/XX/XXXX and another on XX/XX/XXXX, both made to my cell number and from an off shore collections agency from XXXX with a very thick accent saying he was trying to collection a debt from XXXX XXXX XXXX. He asked me to verify by SSN and date of birth both times and I refused since it was an off shore company and call and I could barely understand the caller I told him I was not comfortable verifying my DOB or SSN over the phone and on both calls asked for a letter to be sent to my home address so I could verify the debt. I got no such letter.
On XX/XX/XXXX I got an alert that a derogatory account was added to my credit bureau impacting my credit rating and score. I called the number on the notice through the credit alert and I called it about a dozen times, it would connect me to a voice mail that was full. So, I was able to finally connect with Transworld Systems on XX/XX/XXXX. They said they would go back to the doctor billing office and explain the confusion with the different names of the billing and the collections notice and basically said there was nothing that could be done.
As of today, I have paid the collections agency in full for {$250.00}. Now, I want to dispute the collections practices. There was an error on my part when I set up the payment plan in XXXX for {$25.00} a month. I thought they would take the money out every month and they didn't and since it was not paid they sent to collections.
The name on the Collections notice was for XXXX XXXX XXXX but the name on the actual invoice from the Doctor that I made the payment plan with was XXXX XXXX XXXX, XXXX. I did not know that the collections agency debt was for XXXX because the collections notice said it was for XXXX.
When the collections agency called me on XX/XX/XXXX and XX/XX/XXXX I would not verify my info and I asked for a letter via mail to verify the debt. Neither call resulted in a letter and therefore they did not allow me to verify the debt.
Transworld Systerms Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Spoke with XXXX XXXX I spoke with Tranworld approx. 7-8 times to resolve this.
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| 02/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2019, I called XXXX XXXX and asked to pay off my balance and close the card. I spoke with XXXX at XXXX XXXX. She took my bank account information and processed the payment, which would bring me to a XXXX balance. The amount paid was {$2400.00}. She confirmed that my balance was now {$0.00}. The confirmation number she provided was XXXX.
On XX/XX/2019, my bank account showed that the payment had been processed.
Months later, I get a phone call from XXXX XXXX ( or it's credit collection company - I can't remember ... I have been bedbound in XXXX XXXX XXXXXXXX due to a previous and severe XXXX ). They claimed I owed them {$270.00}. I told them that was impossible, that I had paid off that account and closed it on XX/XX/2019. They argued with me and would not accept my claim.
They sent me paper statements showing that I owed them. Come to find out, XXXX XXXX started charging me a Late Fee and Interest a few weeks AFTER I paid off my account in full. It appears that XXXX XXXX FAILED to close my account as I had requested. Regardless, they should not have charged me late fees on a XXXX balance.
Those late fees and interest added up to {$270.00} when they - FINALLY - closed my account and sent me to collection.
This action has ruined my credit. Because of my battle with XXXX XXXX and being on XXXX XXXX XXXX, my ability to focus and think clear were compromised.
I finally was able to get some of my pain resolved through a medical procedure two weeks ago, so I reached out to Nationwide Credit , Inc and told them - AGAIN - that I had paid off the account back on XX/XX/2019. I gave them the lady 's name and my confirmation number. I also uploaded a screenshot of my bank account entry showing the final payoff payment being processed on XX/XX/2019.
It has been two weeks, now, and they STILL have not closed out the issue and agreed that I do not owe them anything.
On top of that - like I said previously - they ruined my credit. My credit score is at an all-time low and I can not get any credit if I even wanted to.
ACTION NEEDED 1. They need to close the issue and tell me in writing that they have removed the late fees and interest, that I no longer owe them any money.
2. They need to report their mistake to all credit agencies, letting them know that the balance WAS paid of all the way back to XX/XX/2019.
Honestly, they caused me so much emotional trauma - adding to my existing physical pain - because they robocalled me two times a day for about eight months!!! The stress I felt from having action taken against me where I had no power to fight for myself due to my severe condition was horrible. Shame on them.
It wouldn't be a bad idea for them to issue a letter of apology AND pay me money for the pain and suffering of their own accord instead of me having to hire an attorney.
I've never been treated so poorly and unmercilessly in my life by a credit company.
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| 10/22/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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XXXX XXXX XXXX ( XXXX ) handles a number of small, private loans through my alma mater that I needed during my time there to get through a couple of semesters. Things have been very difficult for me since I graduated, however, and I am now XXXX, making repayment of these loans nearly impossible. I have applied for, and been granted, economic hardship deferment on these loans since 2013. Unfortunately, the process of being granted the deferment has been terrible. The customer service for XXXX appears to have been outsourced, and their agents only know how to read from scripts for their responses to questions and concerns. I was initially told that the only way they would accept the deferment application was via paper mail. It's a very long application and requires multiple stamps. They then proceeded to tell me that they " lost '' my application, several times, despite the fact that I knew it arrived because I had the Post Office add tracking to the envelope. Then they told me to keep waiting, because maybe it just had not turned up in their mailroom. Another representative then told me that all the others had been wrong, and that I had been waiting and accruing late fees and bad marks on my credit score for no reason, because I could have emailed everything. The entire time, I was receiving harassing letters, emails, and phone calls about these loans because I was unable to make payments, but I was assured by multiple people that I should ignore all of this harassment because it would be removed and wiped away from my account when my application for deferment was processed.
Even while my loans have successfully been on deferment, after the painstaking process to even apply, I've received multiple letters telling me that I have payments that are past due, letters marked " FINAL NOTICE, '' and even letters threatening to send me to collections agencies if I do not pay the full loan amount, even though my online account shows me that I am still on deferment, and my document inbox on my account shows no record of these harassing letters being sent to me. My attempts to contact them to rectify this issue have been completely useless. All I receive are generic responses taking me around in circles, telling me to talk to other people about the issue. No one seems to be able to help me with it, and if I request to speak to a manager or a supervisor, I'm told I am being connected, and then they hang up on me. Trying to email them or use their support ticket system is worthless, as all they ever do is tell me to call the customer support line. This has been going on for five years and I am reaching the end of my rope. I don't know what to do about this company, and I've tried so hard to do everything the right way and fill out all the paperwork they want me to in order to go through their proper channels. They just refuse to work with me or speak to me as a human being or a customer.
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| 06/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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i am responding to this on a different complaint again but same issue.
From previously closed complain : Company 's Response XXXX XXXX XXXX " The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX ) received your correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your student loan which was previously serviced by XXXX XXXX XXXX ( XXXX ). The XXXX performed a review of your Continuing Education Loan ( CELN ) held by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Specifically, we reviewed the loans financial activity and credit reporting. In your inquiry, you expressed concerns about the unfavorable credit reporting that occurred on the loan. Because the loan had been current prior to the cosigners bankruptcy filing, you requested for the charge-off to be removed from your credit report. As you may already know, the cosigner on the loan filed for bankruptcy on XX/XX/XXXX. As a result, the XXXX defaulted in accordance with the terms of the Credit Agreement. At the direction of XXXX, the loan transferred from XXXX XXXX XXXX to XXXX collection manager, Transworld Systems , Inc. ( TSI ), effective XX/XX/XXXX. This information was submitted to the consumer reporting agencies. XXXX received and investigated your credit reporting complaint. XXXX investigation included the review of all relevant account history and documentation, including any information you provided. Based on this review, XXXX determined the information reported is accurate. Therefore, no adjustments will be made to the credit report. No further action is planned by the Office of Consumer Advocacy at this time. If you require any information on the status of the loan after its default, please call the collection manager, TSI, directly at XXXX ( telephone number ). For additional questions regarding your loan prior to its default, please feel free to contact XXXX directly at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX., ET. '' Ill be short and to the point. This account is a charge off supposedly XXXX owns it and TSI is currently in possession of my account. Id like to be provied proof and documents that XXXX actually owns this debt and that i even owe them. Provide the transfer paperwork and verify this debt showing the transition from XXXX XXXX XXXX and when it was a XXXX loan back in XXXX. If this account cant be verified and proven that XXXX legally owns this please remove and delete from all 3 credit bureaus.
Its been over 4 years since it was charged off and there is no other collections or accounts after XXXX charged it off. I believe this is an unverified debt and is noncollectable. As you can see i was current since XXXX has advised to Default and practice unfair practices I will be expecting proof of ownership and legal right to collect and if this cant be resolved here i will resort to legal action.
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On Thursday, XX/XX/XXXX, I vacated my apartment at XXXX XXXX ( property address : XXXX XXXX XXXX ; XXXX XXXX, GA XXXX ) ahead of my lease that ended on Thursday, XX/XX/XXXX. I received an email with a bill for final fees in the amount of {$120.00} after the end of my lease. Previously, I paid all bills through an online portal. Upon moving out, my access to that online portal was discontinued. I reached out to XXXX XXXX via phone prior to the XXXX due date to find out how to remit final payment, but did not receive a return call. I also reached out via email prior to the payment due date, and did not receive a response.
On Wednesday, XX/XX/XXXX, I sent an email to the XXXX Grand Manager advising that in light of a lack of response, I would send a payment through certified funds to the office location via certified mail to satisfy the outstanding balance. I requested read receipts and delivery receipts to these emails so that I would have passive confirmation that my email was noted. While I did receive delivery and read receipts, I did not receive a response to this email. I waited 72 business hours for a response, and then proceeded as outlined in my email.
On Friday, XX/XX/XXXX, I received confirmation that the certified funds payment that I sent via USPS certified mail was received and signed for by " Manager. '' On Saturday, XX/XX/XXXX I received a call from TransWorld Systems regarding this payment. The agents that I spoke to claimed that XXXX XXXX had not received payment. Additionally, the agents repeatedly asked for personally identifying information ( SSN, previous addresses, current address, etc. ), which I declined to provide. They asked for proof of payment which I was willing to provide, but they stated they could not provide an email address nor a physical address to submit this proof unless I provided personally identifying information. To date, they have not provided any contact information that I can use to submit the proof of payment.
On that same day, Saturday, XX/XX/XXXX, I called XXXX XXXX and XXXX XXXX, Assistant Manager answered the phone. While she confirmed that the check was received, she stated that she was not sure about the whereabouts of the certified bank check and was unclear about why a payment had not been applied to my account. I informed XXXX that I would send a follow up email to her and to the manager recounting the details of our conversation, and expecting to be advised on when and how the final payment, which they confirmed was received, was not applied to my account and why my account was referred to collection. I also requested read and delivery receipts to these emails. To date, I have received a delivery confirmation, but I have not received a read receipt nor have I received a response.
Please see seven documents ( e.g. emails, copy of certified funds, USPS delivery confirmation ) supporting this account attached.
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| 08/08/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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On XX/XX/XXXX, I called XXXX University to take care of my past due Perkins loan. XXXX advised I needed to call XXXX XXXX XXXX as they have my account. I called XXXX and they stated that they could not pull up my account because they were doing a system update and to call back on XX/XX/XXXX.
Called XXXX on XX/XX/XXXX at XXXX CST and they stated that my account had been sent to collections and that I needed to call XXXX XXXX XXXX at ( XXXX ) XXXX. I called them at XXXX CST and after providing my SSN, XXXX stated they do not have any account with my information. So at XXXX CST, I called XXXX back and explained the situation, this time being a little more irritated than the prior call. The representative, XXXX ID # XXXX, stated that they could try to file a Forbearance, but they don't know if it will be accepted since my account shows in Collections. I had XXXX email me the Forbearance forms and I faxed them back that same day.
On XX/XX/XXXX at XXXX CST, I called XXXX to check status on my form I faxed over on XX/XX/XXXX. They stated they had not received my fax and will check with the account manager.
On XX/XX/XXXX, I called XXXX again at XXXX CST to confirm they received my email from XX/XX/XXXX. but they advised I email my Forbearance form to XXXX and allow 10-14 business days to process.
On XX/XX/XXXX. I called XXXX at XXXX CST and was on the line with them for 41 minutes. They stated they STILL had not received my forbearance form and that I should email to them while I was on the phone with them. Towards the end of the call, they finally confirmed that they did get my email and it will take XX/XX/XXXX business days to process.
On XX/XX/XXXX, I received an email to do my Exit Interview online. I attempted to do this and kept getting errors and had to email customer service.
On XX/XX/XXXX, I recieved an email back with a solution to the errors I was receiving On XX/XX/XXXX, I was completing the Exit Interview process but as I was finishing the forms, I received another error that my form couldn't be completed because the " Truth In Lending '' can not be signed because it does not have an associated file ''. Basically there was no form on the Exit Interview to agree to.
Which brings us to today, XX/XX/XXXX. I received an email this morning stating " We apologize for the inconvenience. Out technical is currently working on that issue. We will going to send a paper copy of the Exit Interview to your mailing address. Kindly notify us if you did not receive a copy within a week.
So after ALL of this back and fourth, STILL nothing has been done. I am actively trying to resolve my debt with XXXX, but their accounting service XXXX XXXX XXXX is not doing their job in a time efficient manner. It has been OVER a month since my first communication with them on XX/XX/XXXX. I'm getting fed up with this process and need to get is resolved as soon as possible.
|
| 12/13/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I'm writing regarding a private student loan taken out through XXXX XXXX XXXX XXXX XXXX in XXXX that went into default and then became a judgement against my co-signor and myself. The Consumer Financial Protection Bureau brought a claim against XXXX which became a judgement in XXXX stating that XXXX and it's servicers practiced illegal collection activities and falsified court documents to collect judgements against loan holders that they were not entitled to.
I believe my loan is part of the class of loans that were fraudulently filed and had falsified documents to procure judgments against the loan holders. In my complaint you will find documents that prove my loan is part of the class of loans that are to be audited for accuracy, as well as additional information supporting my claim.
I'm requesting that my loan be audited and have all collection activity ceased on our behalf until it can be proved that it is either legitimate and has the right to be collected on, or that it was filed with falsified information and indeed unlawful. I would like the outcome to follow the description in the judgement filed against the XXXX ( court case number : XXXX ) I would also like my information to be updated as a lawsuit class member.
In XXXX my co-signor and I took out a private student loan in the amount of {$20000.00}. It defaulted later that year as I was no longer in college and unable to make payments. Collection activities began immediately and by XXXX I was receiving threatening and unrealistic debt collection attempts from TransWorld Systems. In XXXX I was told if I didn't pay them {$2500.00} upfront and {$450.00} a month they would take me to court. I offered {$200.00} upfront and {$100.00} a month and they refused to work with me.
The paperwork filed with the courthouse, ( Plaintiff ) states that we were served in XXXX for a judgement hearing against the defaulted loan, in which the court granted a default judgement in the plaintiffs name. A few things I would like to point out about this court paperwork and process : - The name on the complaint : Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX ; a XXXX Statutory Trust ( please see documents - shows that our loan is part of the lawsuit ) - The paperwork filed with the courthouse states that ( Plaintiff ) " lost '' original paperwork that was served to us ( Defendent ) but to the best of their knowledge the information was correct. ( see documents ) - I don't believe that the dates that we were served are true and correct on the court paperwork, but as the they stated that they lost the original paperwork, there is no way to be certain.
-They also stated that the loan principal balance was {$29000.00} - we took out a loan for {$20000.00}, Interest in the amount of {$6100.00} from and before XX/XX/XXXX, as well as fees for a total of {$36000.00} This amount is almost double the total we took out 7 years earlier.
|
| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX of XXXX, I contacted Transworld services to work out an agreement, and a monthly payment plan. My intention to set up a payment plan was to ensure that my security clearance would not be revoked, and that I could gain employment with the Department of Defense upon evidence of this agreement with Transworld Collection agency.
When I explained my intention to a the Transworld representative, to have my clearance approved for an excellent job opportunity I was in route to gain, the representative became erratic and annoyed. Specifically, after I answered her question " How much do you plan to make at the new job? ". After answering her questions and attempting to retrieve proof of agreement, she rudely refused to work with me. I also requested to speak with her manager, and again she refused in a a short and aggressive tone. After being refused, and talked over, to move forward with any request for assistance, I ended the conversation and called my Federal employer. This act from the Transworld representative cost me employment with a good paying job, and an opportunity to pay off debt I intended to respectfully pay. I haven't heard from or attempted to call them since. To this day, I have continued my pursuit to employment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX. I finally gained partial employment with the XXXX XXXX. I received an opportunity to attend military training and get paid full-time for XXXX months. During this time, Transworld has collected over {$7400.00}, sometimes about half my pay and more. This debt was calculated as fully paid on my Leave and Earning Statements ( LES ), unfortunately Transworld Collection Agency started a new debt and intends to collect another more than {$1400.00} ( as stated by the representative XXXX ) without notice, under the same debt name. This appeared as a random additional debt owed to the same Debtor. They have not provided any documentation, or notice, or proof displaying an accurate calculation for their debt collection actions. They have forced automatic deductions, to deduct more than 50 % of my paycheck at times. I find it disturbing that this is legal, especially when forced upon military personal. I will be pursing further legal council with my military legal advisors ( XXXX ) once I arrive to my new duty station.
XX/XX/XXXX. I called today to get an explanation, and I received no accurate information as to how my debt is calculated. The representative continued to say " your LES will not reflect the correct amount due ''. If this is true, why and how am I paying debts that have no accurate reflection of the final due amount and how can the government keep track of this. The representative also did not provide a total amount due, and therefore left me to believe that they can charge anything to my XXXX paycheck without an accurate reflection of how much I owe. Please assist.
|
| 11/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Transworld Systems Inc. is trying to collect on a debt for XXXX XXXX. I used to live at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, CA and I moved out in XX/XX/XXXX. Initially, XXXX had tried to charge me for the cable boxes but I proved I returned them and paid my balance in full in XX/XX/XXXX. In XX/XX/XXXX, Transworld Systems has tried to collect the debt by phone from a number that does not verify who they are and because I was a victim of identity theft multiple times I wouldn't give them my date of birth, address or the last 4 of my social security number unless they told me what they had and I would verify if it was correct or not. Initially, they would refuse and I refused to give them my personal information. My response was always to send me correspondence through the mail and I would call them back after I received it. I never got the correspondence probably because I hadn't lived at that address for almost 3 years and my mail forwarding from the post office had long expired. After numerous harassing calls from them, I finally agreed to give them partial information based on the understanding that if I provided the correct information they would tell me why they were harassing me. Once they told me that XXXX XXXX said I owed them money I informed the lady to call me back next week and in the interim, I would go to the XXXX office that I returned my equipment to and straighten everything out. When I went to the XXXX XXXX in XXXX XXXX ( which since I had long moved out of the area and was 120+ miles from where I lived ) I was informed by the XXXX representative that I had paid my outstanding balance with them in XXXX and I did not owe them any money. The lady from Transworld Systems called me back I explained to her that XXXX said that my bill had been paid long ago and she still insisted that I had an outstanding balance and that if I didn't pay it, Transworld Systems would take legal action and I told her that I was done talking to her and hung up. I have not had any further interaction with Transworld Systems until they placed collection accounts on my credit report. Once I was notified by XXXX, XXXX, and XXXX that the collection accounts were negatively affecting my pristine credit record, I called Transworld Systems I was told that even if I paid the debt it would still appear on my credit report. I informed them that I would have my attorney take care of this and he informed me to take this step prior to initiating any legal actions. I am XXXX XXXX XXXX with severe XXXX XXXX ( I have XXXX XXXX XXXXXXXX ) and I don't need the added stress from a collection company. My health is my top priority and I don't need to be arguing with debt collectors about something I do not owe!
For the record, it is my belief that Transworld Services bought old XXXX debts for pennies on the dollar and they now own the debt and want to get money anyway they can.
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In the spring of XXXX, I began having an issue with cockroaches throughout my unit at XXXX XXXX. I had been verbally conversing with the manager in an attempt to remedy the situation. The situation became unbearable in the fall of XXXX. The cockroaches were everywhere. On XX/XX/XXXX, I sent a certified letter regarding the cockroach infestation, citing paragraphs XXXX & XXXX of the XXXX lease, requesting a remedy to the issue. Management did not provide a remedy to the issue, nor did they provide a written explanation of any delay. The only action they took was emails to me advising that they went into my unit ( twice ) & took photos & advised that they did not see any roaches. ( I have photos of the cockroaches. ) Because management failed to remedy the issue, on XX/XX/XXXX, I sent another certified letter notifying them that I was legally terminating my lease agreement due to conditions that affect my health & safety, citing Section XXXX of the Texas Property Code & Section 26.1 of the XXXX XXXX XXXX lease contract. I gave 60-day notice on XX/XX/XXXX advising that I would be moving out on XX/XX/XXXX. I moved out on XX/XX/XXXX as previously advised & turned in my keys on Monday, XX/XX/XXXX. In addition, I provided my forwarding address for a final bill to be sent. On XX/XX/XXXX, I received an e-mail from the manager of XXXX XXXX advising that the account would be sent to collections if payment was not received by XX/XX/XXXX. I responded advising that I never received a final bill. She proceeded to argue advising that it was sent XX/XX/XXXX. I never received anything from them. The manager later realized that she had not sent it. Several minutes after my response, I received an e-mail with the final bill - dated XX/XX/XXXX to appear as if she had already sent it. I followed up with a certified letter disputing the charges & advising of the charges that I was willing to pay. Upon tracking the letter via USPS.com, I discovered that the letter was never signed for. In XXXX of XXXX, I received a letter from a collections agency advising that I owed approximately {$1700.00} - despite the fact that I followed the steps outlined in my lease agreement to legally terminate the lease contract due to their failure to remedy my issue ( s ) within a reasonable time frame. Upon speaking with the collections agency, I advised that I had legal grounds to terminate the lease contract & placed the account in dispute & also sent all documentation - copies of certified letters ( including the one that was never signed for ), appropriate sections of the lease contract, photos, etc - all sent via fax with confirmation. When asked what I would be willing to pay, I advised that I would be willing to pay the final water bill if a metered statement could be provided. Approximately 45 days later, they advised that the debt was validated, despite the documentation I submitted.
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On Sunday XX/XX/XXXX, I emailed UAS Connect regarding a past due notice for {$120.00} charge to my account. My account was also set to charge an upcoming payment in XX/XX/XXXX. These charges and the past due notice I received were all in error as I am currently a XXXX XXXX and my loans are in deferral until I XXXX In that email, I stated " Please let me know if there's anything more I need to do to resolve these incorrect bills and please be sure to resolve any late notices my credit bureaus may have received. '' I included this statement because I have previous experience with UAS Connect taking over 5 months to correct my credit score, which jeopardized my ability to apply for student loans at that time.
I received a response on Monday XX/XX/XXXX informing me that my graduate student status was verified and to " Kindly disregard the statement you received. '' On Thursday XX/XX/XXXX and Friday XX/XX/XXXX, I received notifications that my credit score had dropped over 60 points because of 3 missed payments during XXXX. I emailed UAS on both days and received a response stating " your credit reporting has been updated to deferred status or current. '' On XX/XX/XXXX, I emailed again with screenshots of the incorrect reporting. I received this response on XX/XX/XXXX : " Your negative remarks from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been forwarded to the Account Specialist to be corrected. You shouldnt have any past due remarks on your credit since those months were covered by the deferment. Rest assured that youll be notify once we receive an update about this issue. '' I did not receive a notification, so I called UAS twice on XX/XX/XXXX. Both times, the customer service representatives repeatedly assured me that the correct credit information would be reported XX/XX/XXXX. When I stated the information should have been correctly reported on XX/XX/XXXX and XX/XX/XXXX already, they hung up on me. My credit report remained in error so I emailed to inform UAS that they were in violation of my FCRA rights. I also notified them that I would be reporting them if they did not update my account. I received this response : " Our Account Specialist already verified with Credit bureau file that your account reflects no late reporting way back to XX/XX/XXXX and our next update to the agency is on XX/XX/XXXX. Please understand that we are also following our protocol. '' On XX/XX/XXXX, I sent screenshots of my credit reports. On XX/XX/XXXX, UAS responded : " We have sent a credit bureau dispute to the Account Specialist. It will undergo process and investigation. You will receive a feedback once we receive from them. '' I have not heard from them since.
Today ( XX/XX/XXXX ) I checked my credit score and found that there have been no updates. I emailed today to inform UAS of the credit report and to notify them that I would be pursuing disputes.
|
| 01/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case XXXX with the balance {$910.00} and {$230.00}. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. .If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, Midwest Recovery Systems . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX oXXXX XXXX I was in a severe motor vehicle accident, and spent 5 days in the trauma unit of XXXX XXXX XXXX XXXXXXXX Hospital. I was insured by XXXX XXXX XXXX at the time, and they initially denied coverage for some of the XXXX medical bills. I appealed that denial, and was successful in my appeal. During the lengthy appeal process, several bills were sent to Transworld Systems Inc. ( TSI ) by XXXX for collections. I informed TSI that they were disputed medical bills, and that I was appealing their status with my insurance company. I had also communicated the dispute to the XXXX XXXX XXXX XXXX Hospital billing department long before they sent the bills to TSI for collections, and I made TSI aware of that fact. I continued to inform TSI that the appeal was ongoing, and yet TSI reported them as delinquencies to the credit bureaus in what I feel is a violation of 15 USC 1692e ( 8 ).
TSI is continuing to report inaccurate negative information on me to the XXXX XXXX and XXXX credit reporting bureaus. I have attempted several times to resolve this issue with TSI via phone and fax, but have been unsuccessful. I have also contacted XXXX XXXX XXXX billing, who has informed me that only TSI can address my issue. I have documentation of my communications with TSI and XXXX if that is useful to you. I have also filed disputes with each of the three credit bureaus, only one of which ( XXXX ) has removed the negative reporting.
The items being reported are shown as account on my credit reports. The items are four medical bills place with TSI by the XXXX XXXX XXXX XXXX Hospital Medical Group between the service dates of XXXX XXXX 2016 and XXXX XXXX. 2016.
It is also worth noting that I paid the bills out of pocket while the appeal process with my insurance company proceeded. I mentioned this to one of TSIs representatives on the phone, who then indicated that by paying the bill I was myself implying that the bill was legitimate, which I feel was a false representation subject to 15 USC 1692e ( 2 ) ( A ). My credit reports do show the items as paid, but that does not remove the negative reporting of collections.
Presuming I can upload a file with this request, I am providing supporting documentation of the illegitimacy of the disputed items. This documentation includes a communication from XXXX XXXX XXXX indicating that my dispute had been resolved in my favor. An Explanation of Benefits ( EOB ) is included which details the charges for the period of the dispute, of which some are the subject of the false delinquencies being reported by TSI to the present. This EOB show that some bills were initially rejected, and then paid after the dispute resolution.
Because the bills which were sent to TSI we the responsibility of XXXX, and XXXX has confirmed that, I feel that it is wrong for these items to adversely affect my credit rating.
|
| 06/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Reporting probable organized crime scheme to create fraudulent debt instruments across the country using " front '' companies and collection of some percentage of them by the syndicate 's " XXXX XXXX XXXX '' - ( TSI ) ~XXXXTWS XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , PA XXXX TEL XXXX a pest control company solicited at my front door Some months ago I bought a house in a new neighborhood in XXXX County Texas at XXXX XXXX XXXX XXXX, XXXX , TX XXXX. Several " ODD '' " coincidental '' things happened. For instance one day after going to lunch I returned to find mouse droppings, styrofoam & insulatio in the shower. ( THAT HAD A CLOSED SEALED GLASS DOOR. ) & some drywall shavings by the closet door ( In a poor attempt to make it look like a mouse had burrowed in through the walls - on closer inspection later it was obvious that someone used a key hole saw. ) The next day a pest control company showed up at my door soliciting services. ( A similar thing happened with a security company ) I declined both times. Several months later a pest control company - '' XXXX XXXX XXXX XXXX '' came to the door and I agreed to allow them to spray the structure at XXXX XXXX XXXX XXXX 1 time ONLY and specifically stated I did not want or agree to a contract. The 2 men presented a electronic tablet and said press here and sign here which I did. A month later one of their trucks showed up to again treat the structure. I said NO I do not have a contract. Later they sent me a bill to attempt to collect a fee for " cancellation of the contract '' which I never had. I mailed it back to them saying it was fraudulent. In the last few months I've recieved several telephone calls from a collection agency ( " XXXX XXXX XXXX '' ) XXXX-TWS in PA. Today the lady I spoke to said that XXXXTWS did not buy the " debt '' to collect. I believe they are in league with this scheme and they are the hub of a vast criminal syndicate using a myriad of front companies. Pest Control, Secutity, & other home services. I also have reason to believe that this encompases 2 prominent " religious orginizations '' / religions. It is a nationwide scheme involving attemptinfg to creat fraudulent debt instruments and defrauding, ( breaking & entering, ect ) buyers of new homes as well as targeting Political " opposition '' or people who have espoused views they disagree with. Either way the fact of the matter is that XXXXTWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX are engaged in Fraudulent behavior, ORGINIZED CRIME, and Creating Fraudulent Debt instruments and attempting to collect on them. How Many Old Ladies & other ignorant victims have they scammed. They are Obviously stealing a lot of money in this organized crime syndicate using " llegitimate '' business ' as fronts who also break the law in the fraud by Theft, Destruction of Property and Breaking and Entering.
|
| 07/27/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
For the loans I had taken for my XXXX school education, I had a balance of around {$160000.00} from UASXXXX XXXX. Because the interest was high, I consolidated my XXXX loans with XXXX XXXX and they made the payment to UASXXXX on XX/XX/XXXX. Meanwhile I had already made my XXXX month 's installment of {$2300.00} as I did not want to be late even on a single day on my payments. So there was an overpayment of a months installment. Even before I closed the loan I called UASXXXX to know what will happen if I made an overpayment and they stated they will either mail a check to me or send it to XXXX XXXX after about 40 business days. So, after about 45 business days, I called UASXXXX and they stated its actually about 60 business days and that the previous customer service representative gave incorrect information. Since then I have been calling almost every week talking to them for around 30minutes regarding an update on the refund and they keep giving different updates every time. They claim they refunded the money to XXXX XXXX on XX/XX/XXXX but when I called XXXX XXXX they did not receive it and they still havent. When I ask for proof, UASXXXX can not provide any proof of the check or the money was transferred. They keep saying they will call me or email me with the updates but they havent done that even once. I am so frustrated with UAS/XXXX because they are wasting my time and making a fool out of me. I worked hard for that money and I paid the monthly payments to UAS/XXXX on time for many years but they have no concern for me and are ignoring me. At the beginning I was talking to XXXX XXXX from UAS/XXXX and she tried to help but she kept saying the same thing to me and I didnt get any new updates from her. Another UAS/XXXX customer service representative, XXXX, was very rude to me and was not helpful. She stated there is nothing else they can do. And numerous times I asked them I wanted to talk to the supervisor or manager but they never gave me a chance. When I called UAS/XXXX on XX/XX/XXXX, while on conference call with XXXX XXXX representative, XXXX stated that they will send the refund again to XXXX XXXX but XXXX XXXX still didnt receive anything. And again I called UAS/XXXX and another customer service representative stated she doesnt see any updates in their system. I asked them again when exactly they send the check and for proof but they couldnt provide it. Even in my busy schedule I called them and wasted many hours because me and my parents worked hard for this money and I dont want to loose it. I was pregnant when I started this whole process and I felt so tortured. Now I have a XXXX XXXX baby and I spend a lot of time calling UASXXXX instead of spending that time with my baby. I have been going through a very stressful process for this refund and I feel very disrespected and cheated by UAS/XXXX.
|
| 01/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$300.00} to this company and right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports.
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.
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| 04/19/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I 've been receiving calls from Transworld about a supposed student loan in default for several months now. As far as I know, I do not have any student loans left and wanted to know more information about the origin of this debt. The amount they are collecting for is also close to the amount of the remaining balance of a student loan that was paid in full in the fall. I requested a letter be sent to me in the mail with this info so I could check it against my records.
I received nothing in the mail and several weeks later Transworld began calling me again. When I called them back, they said they had no record of my phone number in their system and so they had no idea why they would be calling me unless I could give them an account number, which I could n't, as I still have n't received anything in the mail from them. I was finally able to answer a call from Transworld and the agent told me the reason they could n't find my phone number before was because the other agents I spoke to were n't authorized to talk to someone in my state. For the 2nd time I requested the loan info be mailed to me. This was on XXXX XXXX.
On XXXX I began receiving phone calls from Transworld again. I still had not received anything in the mail from them. I finally did receive something today, but it is just a generic letter informing me of ways to resolve the debt, nothing about disputing it or the debt itself ( amount owed, etc. ).
I called Transworld today, XXXX, to request, for the 3rd time, info on the loan. I explained and asked for the letter to be sent at the beginning of the call. At first the agent tried to dissuade me from requesting the letter. I told her that I know it is my right to receive that info and she became belligerent with me. She asked what kind of info I wanted and I said, " anything you have, like the origin, amounts, who it was paid to. '' She gave me some info and some of it matched the previously mentioned paid off student loan but some did n't so I asserted again that I wanted a letter in the mail with this info, so I can figure out what is going on. She tried to continue to argue with me until I reminded her, again, that by law they have to provide me with this info or stop calling me, and that this is the 3rd time I 've had to request that info. She finally relented, verified my address, and ended the call.
I would like to figure out what is going on with this debt and resolve the situation but so far Transworld has sent me XXXX info, yet persists in calling me to collect. The last agent I spoke to was unprofessional and belligerent when I tried to assert my rights. It was also unprofessional of Transworld to not be able to look up my phone number when I called them so that XXXX of their employees literally told me they had no idea why Transworld would be calling me.
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| 02/06/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I took out 4 student loans while attending the XXXX XXXX XXXX between XXXX. These loans were originally service through XXXX XXXX XXXX. I took out 2 loans XX/XX/XXXX and XX/XX/XXXX in which I defaulted on both. As of XX/XX/XXXX those two loans were no longer serviced through XXXX and when then sent to Transworld system. I was contacted by Transworld system around this time regarding my loans and was told that they were a debt collection company who would be now collecting payments for my loans. They stated that my loans were through XXXX XXXX XXXX and that it was important that I paid to avoid being sued. They also stated that interest would still be collected on my loan even though they were in collections. I stated to them that if they are in collections then there shouldn't be any interest and I was told by the representative that even though the private loans are in collection they are still subject to collect interest. I said okay and agreed to a XXXX monthly payment. When unable to make these payments I was threatened to be sued and taken to court. After looking at my loans carefully I see that my original lender was XXXX XXXX XXXX on my 2 loans that XXXX XXXX XXXX had. I realized that XXXX XXXX XXXX bought my loans from XXXX XXXX XXXX. I also see that XXXX XXXX XXXX has made headlines regarding falsifying documents and taking people to court with not the proper documentation. I also see that they have to pay back XXXX XXXX dollars and that they have to go through 800,000 student loan files and make sure that they have the proper documentation. I'm one of those students who would like to make sure that they have the correct documentation on me and that they were not collecting payments from me after the statute of limitations. Because I have been subject to their harassment of being sued and taken to court and this can be proven because when ever they would call in the representative would state that the call was being recorded. I would like proof that my loans originated from XXXX XXXX XXXX and were not bought. Because I have proof that they originated from XXXX XXXX XXXX. I also want proof that they collected debt from me within the statue of limitations for Michigan because at the time that is where I was living. I would also like proof from the pre-recorded calls that I was threatened to be sued for any nonpayments and breaking my agreement. I will also like to know why I'm now paying money to XXXX XXXX XXXX another debt collection company that has threatened to sue me once on behalf of XXXX XXXX XXXX. After seeing how XXXX XXXX XXXX has made headlines again I have now decided to seek legal counseling regarding what I have gone through with this company. I want what is right for me and I know that XXXX XXXX XXXX has violated many laws against me as well as others
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| 08/06/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account status incorrect
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Web |
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My name is XXXX XXXX SS # XXXX Re : XXXX University acct # XXXX UAS ; XXXX account opened : XX/XX/XXXX I talked to a lot of peoples over a 3 month period. My student loan was put in collections, and all of a sudden I noticed it showing back as updated on my credit. I am in the process of getting a house and called my credit consultant and she told me to call them and ask why it is showing up and request it to be removed due to it being over 7 years. It was removed from collections and updated to my credit report. This caused my score to come down and it shows about 21 late on my credit history. I talked to XXXX University who referred me to collections, who referred me to talk to UAS. I was told that I could apply for hardship to get this payment decreased or removed all together. I was denied for some reason. I sent in letter to request this be removed from my credit due to this bill being since XXXX. I was told if I paid the XXXX they would remove it from my credit. I paid this amount and asked them several times during the conversation in XXXX and In XXXX will this be removed and I was told yes that once I made payment they would contact credit bureau and remove it. I paid this on XX/XX/XXXX. I called back in the next day and asked them when would it be removed and the lady told me they would update but would not remove. I told her that's not what I was told and I am upset because I explained to the guy that my credit consultant told me to ask them to remove if I paid it and if they were not going to remove it I would not pay it because it would not help my credit. I asked to talk to supervisor and got the same response. I called my credit consultant and she told me to call back and request it be removed because they should not have told me this in the first place. If they refuse to remove to le them know I would file complaint with CFPB. I didn't know the exact date the guy told me they would remove and I suggested that they listen to the calls and they would hear him telling me this. There was a language barrier and I explained to him several times and he said pay and we will remove not update. The supervisor said he would investigate and call me back. He called me on XX/XX/XXXX and said he listened to the calls and I did ask them to remove and was told they would update my credit. That is not true and I don't believe he listened to all the calls or he just not admitting the truth. I am very upset because I feel like I was mislead to pay just to get my money. I strongly feel they should remove this account from my credit due to their mistake. They updated it in XXXX they said and I don't know why. the 7 years statue of limitations would have been over in XXXX. Please review this case and ask to hear all the recordings and you will hear where the guy told me this.
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| 07/24/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My student loans have been on autopay for years. I have not missed or been late on a payment for well over 5 years ( don't think I have ever ). In XXXX of this year I noticed the repayment was still on interest only, I called and after many hours on the phone was finally able to get them to switch repayment from IO to one that was amortizing. I asked if the autopay would remain and was told yes. I live in NJ but spend the work week in CT at an apartment I rent. As a result I'm not home Monday through Thursday and knowing that my account was on autopay, I instructed my wife to just put anything from UAS ( University Accounting Services ) - which I'm assuming is the loan servicer - in the shredder. A few months later I noticed my credit rating had dropped. When I investigated the cause, I found it was the student loan account. After further digging I saw that autopay was still on, but UAS was only pulling the old IO payment from my account, so I was underpaying by the principal component due. I called UAS and explained that I didn't understand why they didn't keep the autopay as I had set it up to collect the full amount due, and furthermore, if they weren't going to do that, why had I not been told I would need to amend the autopay to now make a larger payment. The autopay was not set up as an outflow from my bank but rather them pulling from it. I asked what could be done to reverse the reporting to the credit bureaus, to which I was told basically nothing. I asked to speak to a supervisor and again explained the situation, I was told the request would be placed with an account specialist and they would call me back. This was over a week ago, and not to my surprise, I have heard nothing. I immediately brought my account current when I discovered the error and instructed them to amend the autopay to pay the balance due each month in full. They also told me it was the lender that submitted the default ( even tho payments were being made, just not the new higher payment ) to the credit agencies. I asked for contact info so I could speak to the lender. I was told they didn't have a phone number, only an email, and they couldn't give that out. The lender is XXXX XXXX XXXX XXXX. I want to get this removed from my credit history as it should have been very clear to anyone there looking at it that the autopay was not updated. If someone took 5 minutes to look at the account, they'd have seen very clearly that it was still the old payments being pulled by them and a simple phone call to me to update ( it's a mystery to me this wouldn't have been updated automatically ). There were no phone calls made, no emails sent. I just want to get this blemish off my credit report, and the credit report of my father, XXXX XXXX, who co-signed the loans some 10+ years ago. Thank you.
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| 09/22/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2019 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX RE : VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$430.00} This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.
In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.
I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
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| 06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2020 I switched bank accounts from XXXX XXXX XXXX to a local community bank. When it came time to switch my payment information for those bills I pay online, I did so accordingly. However, when I tried to make my monthly student loan payment to University Accounting Services, my payment failed and/or was cancelled ( you'll see on my supporting document in the screenshot that shows my multiple attempts ). I was not made aware of this failed payment until logging into the account several days later. I first tried to call UAS at the beginning of XXXX to solve this issue. After more than 6 weeks of phone calls to employees and supervisors, as well as and email correspondence ( which started XX/XX/XXXX - please note : we received our first debt collector call on XX/XX/XXXX ) with a customer service representative, my issue is/has still not been resolved and I have had to process payments via mail for the time being. UAS continued to waive my late fees every time I called, but has taken no responsibility for the late payment ( s ) that is their fault. Through my own independent research, I found that that probable issue was UAS was not able to accept the new routing table of my new bank account - even though I was/am having no issues with other online payments such as XXXX XXXX and XXXX. After various phone calls with supervisors and their IT department, they stated they 'fixed ' the issue but my payments were repeatedly denied. Again, I was never made aware of my initial late payment due to their ( UAS ' ) failure to process my payment. Both mine and my father 's credit score were severely impacted due to this egregious error. On XX/XX/XXXX, I received an email saying the IT issue had been rectified and to address my dispute directly with the credit bureaus. I filed disputes around XX/XX/XXXX with all 3 credit bureaus and it fixed my alleged late XXXX payment, but not my XXXX - which is clearly an error. I am in the process of refinancing my mortgage and purchasing a new car and now have the lowest credit score I've ever had in my life. Not to mention, it has impacted my father who remains a co-signer even though I've been making on-time payments for 7 years. UAS has also failed to supply him with the documentation to take him off the account and our email correspondence with our loan agent has gone dark and unanswered. It is my understanding that XXXX made the credit inquiry to UAS in the first place. It seems that UAS would have the means to report past due accounts, as in this case, so they would also have the means to report other information to the credit companies, such as this IT issue.
**Attached you will find email correspondence with Loan Servicing Agent, XXXX XXXX of UAS, as well as the payment portal that shows my attempted payments.
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| 03/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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In XXXX as a brand new XXXX, I was approved for the XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from XXXX from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by XXXX, I called XXXX and was referred to Transworld Systems Inc, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The TSI representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that XXXX do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her XXXX. - I was at a XXXX XXXX facility for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX XXXX that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government.
I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}.
I also asked TSI for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet.
The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX XXXX since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX and living at a VA XXXX XXXX XXXX XXXX while receiving treatment.
|
| 01/12/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX / VS NATIONWIDE CREDIT INC.
XXXX XXXX XXXX XXXX, DE XXXX XXXX ID : XXXX ON THE BEHALF : XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX, OH XXXX FEI/EIN : XXXX REGISTERED AGENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX As of the date : : [ XX/XX/XXXX ] RE : : [ ACCOUNT ENDINGXXXX ] WITH AN OUTSTANDING ACCOUNT BALANCE OF : [ {$20000.00} ] WAS REFERRED TO NATIONWIDE CREDIT FOR COLLECTIONS.
XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : __NATIONWIDE CREDIT INC. ; WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; XXXX XXXX XXXX, XXXX.
NOW, THEREFORE! ON THE DATE OF XX/XX/XXXX. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM NATIONWIDE CREDIT INC . DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : [ {$20000.00} ] XXXX XXXX, XXXX XXXX XXXX XXXX DOLLARS, AND XXXX CENTS.
[ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH XXXX XXXX XXXX, XXXX. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF NATIONWIDE CREDIT INC . CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT.
REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : [ {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THAT, NATIONWIDE CREDIT INC., DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED.
IN CONCLUSION : : I AM HEREBY -- REQUESTING AN IMMEDIATE RESPONSE__CORRECTION AND REMOVAL, OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO MY CONSUMER CREDIT FILE. TOWHICH__WAS SUBSEQUENTLY SUBMITTED TO THE THREE CREDIT REPORTING BUREAUS.
CERTIFICATION I XXXX XXXX, THE COMPLANTANT__HERETOFOR, CERTIFY THAT THE INFORMATION WRITTEN WITHIN THIS CORRESPONDENCE, ARE ACCURATE AND TRUE. DONE THIS. XXXX XXXX OF. XX/XX/XXXX.
XXXX XXXX XXXX..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX /
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| 04/02/2023 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I received an email alert from the XXXX website on XX/XX/XXXX. I checked the credit report website and saw an alert stating, " XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/XXXX. '' I have yet to receive a paper billing statement or an email informing me of a pending balance. The last message I received in my UAS connect account was on XX/XX/XXXX. I do remember calling UAS to inform them of my in-school status in XXXX, the representative said at the time that the loan would be put in active deferment when the federal database verified the change.
I could not call the private loan lender immediately, but I called a few days later, in XXXX. I requested to confirm the deferment status of the student loan and the current contact information, including email and address. My address and email information was correct and current. The student loan was in repayment, despite being a full-time student since XX/XX/XXXX at XXXX XXXX XXXX The representative verified with the federal database and updated the status to an in-school deferment. I asked when the credit score would be reversed, and the representative said it would be at the end of XXXX.
I revisited the credit report website on XX/XX/XXXX, and the credit score was not reversed. I emailed the private loan lender that day that I wanted to submit a complaint due to insufficient diligence on their part. I received correspondence from XXXX XXXX on XX/XX/XXXX, but he did not explain how to submit a complaint. He confirmed that the deferment status was active, and there was no balance due at the time. I replied on XX/XX/XXXX, to explain that I wanted to proceed with the complaint because I had never received a billing statement, and the lender 's negligence affected my credit score. The score did not reverse at the end of XXXX. The representatives I communicated with extended the dates when my credit score should have been reversed but did not explain the steps to submit a complaint.
I persisted in submitting a complaint despite the evasiveness in the emails. I called on XX/XX/XXXX, and spoke with representatives that would not transfer my call to a supervisor to file the complaint. Again, the individuals were evasive and unprofessional. I became irate when the representative lied, including telling me I would be transferred and never hearing the hold message and music ; the representative, XXXX, also lied to me, saying she had to email her supervisor before transferring mehighly suspicious behavior. After speaking with XXXX, I sent an email the same day and explained the poor customer service I received during the calls and insisted on filing a complaint. I never received a reply after the XX/XX/XXXX email, and my credit score has not been reversed when I checked on XX/XX/XXXX.
|
| 05/19/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently graduated from graduate school in XX/XX/XXXX, at which point a number of student loans I am holding ( from XXXX expenses ) went from being in deferral to being in their 6 month 'grace period '. After learning that my private student loan debt was being serviced by a company called " University XXXX XXXX '' ( XXXX ), I set up an account with the company to see what I owed. What I found was that XXXX listed two loans in my name, XXXX of which was familiar to me ( and which I have since refinanced with another lender ), and another that was not. Specifically, this second loan that I did not recognize was listed as being held by the XXXX XXXX " XXXX XXXX XXXX '' XXXX XXXX ), which has ( to this day ) not showed up in any of my credit reports. After searching the internet, there is no website or contact information available in connection to this lender. Some of the only relevant information I could find about this lender was that their loans were bought in XXXX by another lender " XXXX '' in connection with a foreclosure sale. I have a document from XXXX stating this ( attached XXXX. I have also contacted XXXX and they assured me that they did not own this loan ( however, they did own my other loan serviced by XXXX, which I have since refinanced with another lender ).
At this point, I contacted XXXX for clarification regarding the details of this loan and to express my concern regarding its potential validity. UAS responded via email that " Some loans from EEF were purchased by XXXX but not all ''. I contacted XXXX again shortly after to request contact details for the lender. I was told that contact details were not available for EEF and that I should instead direct all inquiries to UAS. Strangely, after some prodding, a representative at XXXX gave me a phone number for XXXX, which when I called it someone answered and confusedly said I had the wrong number. On XX/XX/XXXX, I called XXXX again to request a copy of the Master Promissory Note ( MPN ) for this loan, as well as any other kind of documentation proving its validity. Also, on XX/XX/XXXX, I mailed a signed, formal request for the MPN for this loan to XXXX ( attached ), which I can verify via tracking ( receipt attached ) was delivered to XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX has still not provided a copy of the MPN or any other documentation establishing debt verification to me for this loan. The loan is now entering delinquency, and I don't feel comfortable making any payments without any evidence that the debt is indeed valid. I have expressed this to XXXX and requested that repayment be halted until proper documentation is provided, but XXXX has continued to threaten me with late fees, collection agencies, and negative credit reportings if I do not pay soon.
|
| 12/27/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Transworld Systems Inc. sent a collections notice for an unpaid invoice. I am trying to fully satisfy the amount owed. Their online system allows for a one-time payment option, however when trying to use that option, payment fails because " the EmailAddress field is not a valid email address. '' No where in that one-time payment process was an email even requested. I tried to call them on the only phone number listed on the notice ( XXXX ). When connected, the automated greeting does not advise that you are calling Transworld Systems Inc., just that the next available agent will be with you shortly. Once connected, an agent named XXXX was to assist me once I provided the Account Number. I did so and she simply repeated herself 3 times before terminating the call. This happened 5 more times until I called back a sixth time and spoke with another agent. When I provided the account number she advised that she was unauthorized to take any action on this account. She attempted to transfer me to someone who could assist, but was unable to connect me and provided me another number ( XXXX ). I called that number 6 times and each time was disconnected after the automated recording. I called back, was hung up on by XXXX another 3 times. Once connected to the same agent as earlier, I advised her that the number she gave me disconnected me the 6 times that I tried to call. She advised she would try to connect me with a person who could assist. After waiting on hold for 15 minutes or so, I was connected with someone to whom I voiced my concerns and was trying to help me get this issue resolved, however I was told that " a code needed to be changed '' so she could take payment on this account. She advised that she put that request in with her supervisor so that I would not have to be transferred again. Then I was disconnected again. I called the XXXX number back 4 times until I was connected with XXXX. He was able to assist me without transferring me or requiring supervisory approval.
This runaround took the better part of an hour, all for a {$39.00} balance that I wanted to just resolve in full. I am beyond frustrated with these deceptive tactics first by not having a system that actually allows for payment to be easily made. Second by not identifying the company in the automated greeting. That made me feel like it was a scam. Third, getting the run around from the call center and not being able to assist with anything on the account and being hung up on or disconnected when I was to be " transferred '' to someone who could assist me. No consumer should be strung along for the better part of an hour just trying to pay something, being told someone couldn't help, not getting connected to the right people and continuously being disconnected.
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| 03/27/2018 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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My private student loans from XXXX XXXX XXXX XXXX XXXX , Trans World Systems, were being serviced by XXXX. I was unable to make the monthly paymets, and I was not allowed to contact XXXX XXXX XXXX XXXX directly. XXXX claimed that they are the only agency I can correspond with in regard to the matter.
XXXX urged me to write a letter explaining my situation, and that they would forward it on to XXXX XXXX XXXX XXXX XXXX on my behalf. That letter is at the end of this statement. I never heard back from XXXX, and XXXX kept telling me there was nothing they could do on their end. The loans are now being serviced by XXXX XXXX XXXX XXXX. Apparently this is the servicer XXXX uses for delinquent debt and uses strong-arm tactics to get their money. They will not accept a financially viable payment solution, and will only accept a payment plan that is far beyond my means, with a massive up-front " good faith '' payment. It is untenable, and they are now threatening to sue myself and also my mother who is the co-signor.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Here is the letter that was sent : To whom it may concern, I just finished speaking with one of your customer service reps, who was very nice, but said there was nothing she could do for me. She recommended that I send this email, asking you to pass this information along to the lender to see if there is anything they can do for me.
AC # ************* XXXX XXXX.
Apparently, back in 2010, I used up my one & only forbearance option, and am now unable to get the loans current again. I was given a reduced payment plan back in XX/XX/XXXX, but it did not make the account current and now there is a huge past due balance on the loans. I am unable to bring the account current, and do not see any possible way to bring it current.
My credit has been absolutely destroyed by this account, dropping it over 350 points since last year, making it impossible refinance it. The current payments are just a little higher than I can afford, but what is worse is that the past due is untenable and is just making the delinquency worse & worse every month.
I really need the account to somehow be brought current, so that I can make normal payments and no longer be delinquent. Please help!
Sincerely, XXXX XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- And here is the confirmation of XXXX ' receipt of this letter : Thank you for contacting XXXX XXXX XXXX ( XXXX )!
A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. Correspondence will be sent once a response has been received to advise you on the outcome.
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| 05/14/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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In approximately XX/XX/XXXX, I had some procedures performed at XXXX XXXX XXXX in XXXX XXXX. There were some questions on some of the charges that I was disputing following the receipt of the billings. This went on for a couple of months. In approximately XXXX of XXXX they sent the bills to Transworld Systems for collection, and TSI sent me a notice. Immediately upon receipt of the notice I called TSI, and set up two payments for consecutive months. Those payments were made on XX/XX/XXXX to TSI for {$600.00} and the second made on XX/XX/XXXX to TSI for XXXX which cleared the XXXX XXXX account. I made those payments without threat from or to TSI.
In XXXX, XXXX my credit ratings dropped from the XXXX to the low-mid XXXX 's. I called up my consultants to pull the credit file and found that TSI had listed this as a collection, although it showed a {$0.00} balance with a high balance of {$1100.00}. It first showed up in XXXX, XXXX as a " XXXX Balance Collection '' and is reported each month as a XXXX balance collection, since.
I have spent hours on the phone, in multiple calls, with different representatives of TSI. There was never any indication from TSI that if paid, especially quickly and voluntarily, that this matter would be added to my credit file. In the last phone call XXXX XXXX, XXXX XXXX the overly surly representative said, for the first time, that those payments were used for another debt that they had. I told him that was impossible as I had no other debt on their, or anyone else 's file. He informed me that a bulk of it was used on a debt which was not even on their books at the time I made the initial payments of {$1100.00}. There was a new collection from XXXX in the amount of {$2600.00} that was billed to me by TSI on XX/XX/XXXX and paid in full on XX/XX/XXXX. There is no way that any of the prior amount could have been used for the XXXX amount. Nor did I authorize the payment of {$1100.00} to be used for anything but the original debt. I asked the last representative to please forward me a complete accounting of my charges, payments and dates made to and by TSI. To date, over six weeks has passed and I have not received any further correspondence from them.
I urge Transworld Services to please remove this collection from the three credit bureaus. While I was having a dispute on the original bill, XXXX sent it to them erroneously, then once I got the original collection, it was paid immediately. Then after the fact, TSI listed it as a Paid Collection was put as a zero-balance paid collection on my reports. This has ruined my credit. I do not have one other late payment on my credit. Please do the right thing and remove this blight on my credit.
If not, how can anyone ever trust you and the way you do business?
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| 04/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to file a complaint against [ TRANSWORLD SYSTEM INC ] on the consumer finance website. The complaint is related to a debt that I do not believe is valid and the collection activities of the company have caused me significant distress and frustration.
The alleged debt in question is related to a rental car toll notice that was opened in my name. The agreement was opened with [ XXXX XXXX XXXX XXXX XXXX XXXX and had a charge of $ [ {$5.00} ] ( original amount ). I do not dispute this account, but I dispute the amount of the debt that is being claimed by [ TRANSWORLD SYSTEMS INC ]. The amount being claimed by [ TRANSWORLD SYSTEMS INC ] is $ [ {$110.00} ], which is significantly higher than the amount that I believe I owe.
I first became aware of the alleged debt in [ XXXX XXXX XXXX XXXX XXXX, XXXX ] when I received a letter from [ XXXX XXXX XXXX XXXX XXXX ] stating that I owed $ [ XXXX ]. I immediately contacted [ XXXX XXXX ] to request more information about the debt and to request validation of the debt. I provided [ XXXX XXXX ] with a written request for validation of the debt on [ XX/XX/XXXX ], but I did not receive any response from [ XXXXXXXX XXXX XXXX ].
Despite my request for validation of the debt, I continued to receive frequent calls and letters from [ TRANSWORLD SYSTEMS INC ]. The representatives of the company were often aggressive and threatening in their communication with me, which caused me significant distress and XXXX. I attempted to explain my concerns to the representatives of the company, but they were dismissive of my concerns and did not provide me with any additional information or assistance.
I also attempted to contact [ XXXX XXXX XXXX XXXX to obtain more information about the alleged debt, but they were unable to provide me with any additional information as the account had been sold to [ TRANSWORLD SYSTEMS INC ] .
I am filing this complaint to request that [ TRANSWORLD SYSTEMS INC ] provide me with validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I would like to request that [ TRANSWORLD SYSTEMS INC ] provide me with the following information : The amount of the debt and how it was calculated The name and address of the original creditor A copy of the agreement with my signature Proof that [ TRANSWORLD SYSTEMS INC LLC ] is authorized to collect this debt I would also like to request that [ TRANSWORLD SYSTEMS INC LLC ] cease all collection activities until such time as they have provided me with the requested validation.
I would appreciate a response to this complaint within 30 days of your receipt of this letter. If I do not receive a response within this time frame, I will consider this debt to be invalid and unenforceable.
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| 11/08/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I have been in good standing on my variable rate loan for the past 10 years that has been on autopay the entire time. In XXXX XXXX I received information that my student loan has been purchased and will be serviced by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The letter stated that I would not notice the difference, the transition would be seamless, and my auto pay will still be active starting XXXX XXXX. The first payment was never taken out of my checking account. XXXX stated that this was a computer issue and would be corrected next month. Well months later and the autopay is still not working and they are telling me that for XXXX it should work. I noticed another error 3 weeks ago when my XXXX payment was never taken out via auto pay. My interest rate starting showing XXXX XXXX in XXXX XXXX, when it has been XXXX XXXX for the past several months. When I inquired about the interest rate change they stated it was because it was variable that 's why it went up. After reviewing my loan documents and history of interest rate changes, I figured out that my account with XXXX was not reflecting the XXXX XXXX interest rate reduction I was entitled to. I inquired with them on this issue around XXXX XXXX, when they contacted me to inform me that my payment was never received via auto pay. The customer service rep. stated that this was an IT issue and will be corrected in the next few days and would receive a follow up call. A week we by and I never received a phone call, so I started emailing the company to have a paper trail. On that email response they stated that my interest rate went up because of the rise in interest rates, which is false. On XXXX XXXX, I called to follow up on the interest rate problem. I spoke with a manager for over 40 minutes explaining everything that happened over the past several months and she stated that she would work on the issue and call me back in 3-4 days tops. I followed up today XXXX/XXXX/XXXX, since I have not heard anything from the company. Today I spoke with another rep today and told him everything that happened over the last few months. His first replay was that it should go down to XXXX XXXX after my first auto pay kicks in. I was told 4 different things in the past month and nothing was fixed and it still shows XXXX XXXX online. He stated that he is in a room with other customer service reps and really can not do anything. All he can do is write this up and send it to IT. I am completely fed up with this company and lack of transparency. I have been paying this loan for over 10 years and have never missed a payment. This company bid of the loan handing services and does not have the resources to handle the job. They are incompetent and should not be allowed to service student loans.
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| 01/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the Emergency Room, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX with a Spend-Down of {$970.00}, since they were the ones who provided me with a copy of my XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my Spend-Down and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX Spend-Down means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX Step-Down of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX Step Down of {$970.00} on it with the balance to be paid by XXXX.
What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.
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| 10/09/2018 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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TSI is attempting to collect on a debt they no longer have any legal right to collect on and reporting these collection accounts on my Credit report. This is debt has been transferred to another agency and this agency has filed suit for the collection of these two accounts XXXX is the debt owner and on XX/XX/2018 XXXX and XXXX filed suit on these debts and on XX/XX/2018 TSI reported these debts as new collection accounts. I have already hired the XXXX XXXX of XXXXXXXX XXXX to respond to this suit and I will be filing further suits against XXXX and TSI if this can not be resolved promptly.
I have been dealing with this situation for 18 months and have made numerous offers to settle the debt in full if I could be provided with proof they were the owner of the debt and that they would enter into a payment plan which laid out payment in full. But I was given the run around by 7 agencies and now I am being sued.
COPIED EMAIL : XXXX XXXX XXXX AttachmentsTue, XX/XX/XXXX, XXXX XXXX ( 6 days ago ) to XXXX, XXXX, secretary I am writing as I have not received a response to a certified letter that I sent on XX/XX/18, and since that letter I have been served with a lawsuit by another debt collector for the accounts listed below : XXXX Alleged Amount Due : {$27000.00} XXXX Alleged Amount Due : {$14000.00} I have attached a pdf of the letter that was mailed to TSI and which I have already received the return receipt to confirm that your office has received the letter I sent.
Nevertheless, this email is a final attempt at direct communication and resolution to this matter. If TSI does not remove the collection account for all three CRA from mine and/or any assigned cosigner the next correspondence your company will receive will be from my attorneys office XXXX XXXX of XXXX XXXX XXXX XXXX. It is illegal for your company to place a collection account with any CRA if there is a pending lawsuit that questions the validity of the debt furthermore I have documented evidence that TSI illegally entered into a payment agreement on an invalidated debt and that you entered into this agreement with me as I was under duress of other pending legal action.
I am requesting that this collections accounts be removed from all CRAs within 10 days from today XX/XX/18, and that you send me a copy of all the requests to have these collection accounts removed and a notice in writing that you will no longer be reporting this debt as you are not the entity who has filed suit for this alleged debt and you are no longer legally allowed to attempt to collect on this alleged debt.
Please also inform XXXX that I will be filing a counter suit in response to the suit they have submitted against me for this alleged debt.
Sincerely XXXX XXXX XXXX
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| 04/26/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am the sole beneficiary of Trust ( account ).
Letters were sent dated XX/XX/2020 and XX/XX/2020 were sent to Transworld Systems Inc. ( Trustee ) in response to notices sent to me from Transworld Systems Inc. ( Trustee ) and more importantly, due to Transworld Systems Inc. ( Trustee ) erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed, and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that their offices provide me with competent evidence that I have any legal obligation to pay them. Please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they say I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I will also inform them that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character It is apparent that either : 1. They are acting on the presumption that some relationship that they may have with the original creditor, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with the original creditor, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to them inasmuch as I am unaware of any contractual relationship between us ; or 2. They have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to the original creditor, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and the original creditor.
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| 03/31/2017 |
Yes |
- Debt collection
- Non-federal student loan
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- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American |
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I borrowed {$10000.00} from the XXXX ( XXXX ) in XXXX and in XXXX. After taking their finance charges and interest rate up front ( {$140000.00} ) the actual monetary value that I received was {$8600.00} for each year, {$8400.00} of which went to pay my XXXX XXXX tuition for each of those two years. For a total Principal of {$17000.00}, I paid XXXX $ XXXX {$30000.00}.
I asked XXXX on many occasions to send me a statement stating that my Loan had been retired. I never got any response back from them. Years passed until one day, I received a call from a debt collector purporting to represent XXXX in their attempt to collect an outstanding {$30000.00} debt that reportedly owed. Of course I disputed this and sent them documentations of payment I sent the Agency over they years. I never heard from that particular Debt Collection Agency or XXXX again, except every few years, another debt Collecting Agency purporting to rep rent XXXX will resurface and we will go through the same thing again.
In XXXX this year ( XXXX ), up until the present ( XXXX/XXXX/XXXX ), I started receiving a barrage of harassing and threatening phone calls at all hours of the day, sometimes as late as XXXX ; on weekdays and on weekends. They would call one of my Mobil Phones by the hour-it got to be so annoying that I decided not to recharge the battery when it died down and instead started using my second Mobil Phone which is unlisted. I have blocked the multiple different numbers that they use only for them invent another phone number. They have so many deferent phone numbers- more numerous than the XXXX so it was futile on my part to try to keep blocking these numbers. Somehow, they got my work phone number and has been calling my practice non-stop and disrupting my daily clinic activities when I am caring for my patients. Despite my telling them to cease and desist, these threatening and harassing phone calls continue unabated. The calls have been relentless.
Even though, I told them the debt has been completely paid off and I do not owe any debt, they threaten to sue and take my property. They have gone as far as fictitiously conjuring a figure of {$130000.00} out of thin air as the debt that I owe. To make good on their threats, they have referred this non existent bogus debt to an attorney who in tandem with Transworld Systems Inc. continue to threaten and harass me and my family. They left a message with my wife to call them urgently to discuss the {$130000.00} phantom debt or else they will take legal action against me.
Despite telling them about the history of the XXXX Loan and letting them know in no uncertain terms that I have paid the debt in full, the harassing and threatening phone calls continue unabated.
Sincerely,
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| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXXwith XXXX XXXX XXXX ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXXstates that our second mortgage loan was in default, was being transferred to Nationwide Credit Inc. but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork.
Sometime between XX/XX/XXXX and XXXX XXXX " merged '' or " sold to '' or " hired '' XXXX mortgage services. We now receive statements for both our first and second mortgage from XXXX on XXXX letter head. However, the statement for our second mortgage on XXXX letter head instructs us to send the payment for just the second mortgage to Nationwide Credit. We find this deceiving and gave us the impression for over 5 years that XXXX/XXXX still held our loan and had not charged it off.
Now XXXX has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with XXXX/XXXX/Nationwide ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly.
Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXXand XX/XX/XXXX.
How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork?
How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company?
This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital.
We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct.
We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
|
| 01/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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On XX/XX/XXXX, a charge appeared on our XXXX Credit card from " XXXX '' ( see the attached document # 1 ). I asked those with access to this card in our family if they had used any such service from XXXX XXXX, and they said no.
I immediately called XXXX to tell them this is an unauthorized charge. They posted a conditional credit to our card for this charge. I explained to them that nobody in our family had lost their physical card, but that someone must have gotten hold of the card #. XXXX then closed the account, and opened a new card.
Meanwhile, XXXX mailed a huge amount of documentation to me. By looking at these documents ( see attached 'huge documentation ' document ), we saw clearly that this is a completely fraudulent use of our credit card by someone out there. The charge was incurred down in XXXX, Texas, apparently ( and supposedly ) between two supposed 'law offices '?
XXXX XXXX then turned the charge over to their collection agency, Transworld Systems , Inc. " tsi '' The XXXX XXXX documentation shows a name of " XXXX XXXX '' as the one who paid for their delivery services. We have no such person in our house, and no such authorized user of our card.
Transworld sent a letter to " XXXX XXXX '' at our address in XX/XX/XXXX demanding payment on behalf of XXXX. I immediately wrote them a response, stating that we completely reuse this charge ; we are not responsible. No such authorized user of our credit card made that charge ; we have done no business in XXXX, TX ; we have no shipping " account '' with XXXX ( as the XXXX documentation shows ) ; no member of our family or authorized card holder lives anywhere near XXXX ; we did not order anything sent from one 'law ' office to another in XXXX ; and there is no such person here named " XXXX XXXX ''.
On XX/XX/XXXX, Transworld sent " XXXX XXXX '' a second letter at our address ( see document # 3 ) this time saying, " Thank you for your inquiry '', and your " request for validation ''. But our previous XX/XX/XXXX letter had neither been an 'inquiry ' nor a 'request for validation ' ; it was a firm rejection of all their claims that we are responsible for this charge.
On XX/XX/XXXX, Transworld sent a third letter to " XXXX XXXX '' at our address ( see document # 4 ) saying they had not heard back from us. I am sending them another letter today ( XX/XX/XXXX ) again, denying any and all responsibility for this charge and explaining why we are not responsible for ( see document # 5 ).
Whoever made this fraudulent charge did so only with the card # ( not with the physical card ), as we made certain that no authorized user of our card had lost or misplaced his physical card.
Thank you!
XXXX XXXX ( primary XXXX card holder )
|
| 06/02/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
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To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with XXXX XXXX XXXX. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well.
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his XXXX to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either.
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students.
Thanks for your time and consideration, XXXX XXXX XXXX
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| 06/05/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am trying to obtain Parent/Student Loans for my XXXX sons entering college this fall. I was DENIED because TSI has a hold on this account. I called them on Friday, XX/XX/XXXX. They said I owed {$340.00}. They told me this was part of the US Treasury Debt. I said I had paid this debt in full and will attach the documentation. They said this is just the interest left over. They said I still owed {$340.00} on Friday, XXXX XXXX. Blindly, I paid this amount via my debit card to TSI in full. TSI said once they receive payment, I would no longer have any further penalties. They also said to check on Monday, XX/XX/XXXX to make sure that my payment cleared.
This situation started because I owed the US Treasury and HUD {$230000.00}. On XX/XX/2019 I was told by Treasury that if the debt was paid in full I would not receive any further penalties and interest. The law firm paid the debt in full. The documentation attached, the Certified Check, will prove this was paid. The check had to be sent to Treasury no later than XX/XX/XXXX. It was at Treasury on Monday, XX/XX/XXXX.
The bottleneck is at Treasury. The Treasury has not cleared the check. Today is XX/XX/XXXX. TSI is continuing to bill me interest. This is not something I can control. And, it is not fair that I am being charged MORE for something that I am not causing.
Further complicating this issue, is on Monday, XX/XX/XXXX when I called to see if my payment cleared, TSI said it did. However, more money is due. WHAT? They now claim I own an additional {$170.00}. It feels like ransom. The Treasury check isn't clearing so TSI is still charging.
I have been getting phone calls and hang-ups from the NJ phone number ( XXXX ). It's harassment at this point. They won't listen to reason. The folks on their side have no clue how to explain what's happening. I have been talking to many people at TSI and no one seems to understand the issue. They are completely incompetent. When I asked them to show me the Burden of Proof of Debt they were stumped. I figured out what the issue was and asked them to see if the Treasury check cleared. Sure enough ... YES, that's the problem. It's because the Certified Check for {$230000.00} hasn't cleared! And now TSI thinks it's ok to continue to charge me for something I can not control. I have done EVERYTHING Treasury has asked me to do and TSI has asked me to do as well. I am beyond frustrated.
I have two sons who need their Parent/Student loans and this company, TSI, is hindering this process. My children and I should not suffer at the hands of people who are completely incapable of understanding the situation I am faced with and incompetent in doing their jobs.
Please advise.
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| 10/24/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) turned over my account to Transworld Systems , Inc. ( TSI ) for collection in XX/XX/2019 for {$1000.00}. I have since made 6 payments for a total of {$300.00} that should bring my balance to {$690.00}. However, yesterday, XX/XX/2019, I discovered that TSI has my balance at {$770.00}.
Please note that in the attached files you will see a balance {$1000.00} with TSI. Due to overlapping communication from both parties, I believed I had miscalculated my debt and that the initial bill from TSI of {$1000.00} was my remaining balance from XXXX XXXX. I have since discovered the additional {$34.00} is " interest '' added by TSI. Nowhere in any communication from TSI is an interest rate outlined, an APR specified, or fees mentioned. Additionally, my online login with TSI makes no mention of interest or fees. There is simply a discrepancy between my payment history amount and the remaining balance shown by TSI.
When I called TSI yesterday, I was told they could, in fact, charge me interest with no further explanation. When I called XXXX XXXX, they were unaware of any interest charges from either party. Additionally, the balance shown them by TSI matched my payment history/records to total {$690.00}. After someone from XXXX XXXXXXXX contacted TSI, they were informed that if I pay XXXX XXXX directly the account would be closed once I have paid {$1000.00} total. However, if I make payments to directly to TSI the account would remain open until the initial {$1000.00} balance plus interest, at an unspecified rate, is paid in full.
After doing some review of the Fair Debt Collection Practices Act found at https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text Im concerned there are some violations. Specifically, the following : 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
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| 12/08/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well.
The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.
In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers.
XXXX, NY 140-1License required.
" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
|
| 10/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I applied to return in school in XX/XX/2018, I was advised by finance dept that i had a loan in default I have had student loans for many of years and i have always keep them in good standing i did not understand what was happening I researches NDSL and saw that a federal perkins loan for the amount of {$150.00} was deffered i called numerous places including XXXX they were very rude and stated i would have to pay the money i advised that I never attended the class i advised it was a online and i dropped she stated that they dropped me and i was charged for the full class. they then advised me i needed to call XXXX I spoke to them and they said I now owe {$220.00} i explained I was never advised of this they said it was nothing they could do he gave me information to apply for a forbearance and how to consolidate my loan i first tried to do a forbearance they just had a form did not state that any document were required i filled it out and submitted i got a email advising it was rec 'd after 7 days no response i called XXXX they said i was denied because i did not submit a check stub. i asked why was i not advised of this i got no response and was told to resubmit with check stub, again i got no response i called again a rep placed me on hold and told me i was not in default and they would have to clear my account it will take a few days i called back again 5 days later and was advised the same thing she told me to watch my email. i never got a email so i emailed them. they responded statingmy account was not in dafault it just accerlerated which means it is only past due but not in collections that my account is under a full defferal and i wont have to pay until XX/XX/2018 i sent another email on XX/XX/18 asking for a good standing letter so that i can proceed with school. i then got a reply from XXXX stating that they can not give me a clearance letter because the account is past due that i have a gap in the account from XXXX i sent a reply which they never respomded to asking why each time i call or email i am advised something totally different i also send the email in which they sent telling me my account was clear. i also advised that since i was not sure how they were going to handle my account I consilodated my loans and included this perkins amount I advised that they rec ; d that info as well and should be able to send my clearance letter i still have not gotten a response. I would like to know if there is anything that can be done at this point i think they are attempting to do what ever they can to avoid me from going back to school what ever complaint i can file to get then to release my letter and clear my account i would like to do
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| 06/02/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX been sending a bill, since XXXX, 2016 in which they have put my name, on another resident 's account. I have never resided or received care from this facility. I was operating strictly as resident 's, POA, with no financial responsibility. All statements were signed resident XXXX XXXX by POA for this account. I have requested XXXX XXXX to remove my name from this account. Resident passed on XXXX/XXXX/16 and I no longer have authority to operate as her POA.
On XXXX/XXXX/16 I received a letter from Transworld System, dated XXXX/XXXX/16 stating that they were attempting to collect a debt for XXXX XXXX account XXXX. I immediately responded by phone and letter informing them that " I dispute having any debt of any kind with XXXX XXXX XXXX. Please send any verification of debt, including an itemized statement of all actual charges, dates and services billed, the charge and billed amount as well as signature of financial responsibility or consent for services received at XXXX XXXX. Failure to provide said information means that you need to immediately remove my name from this invalid debt. '' On XXXX/XXXX/16 Transworld responded, stating that they had contacted " the creditor, XXXX XXXX XXXX XXXX requesting for validation of and would forward any materials received as a result of request. '' On XXXX/XXXX/16 Transworld Systems sent another statement claiming I " still have time to exercise my rights '' and " they still show an unpaid account '' in the amount for {$1800.00}.
I called Transworld on XXXX/XXXX/16, spoke with XXXX XXXX in collection dept. I Informed her that I continue to dispute having any debt of any kind with XXXX XXXX XXXX and Transworld failed to send any documentation verifying that I have a debt with the above creditor, as stated in their letter on XXXX/XXXX/16. XXXX acknowledged the debt was for resident and that she is deceased. She said that the account was closed as canceled on XXXX/XXXX/16, but was reopened on XXXX/XXXX/16 with no explanation. She agreed to look into the matter.
I have followed the phone call with letters, dated XXXX/XXXX/16 to : Transworld Systems Inc.,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, restating that I dispute said debt, have never received services from XXXX XXXX and have not signed any financial agreement for any services from them or for XXXX XXXX. Please remove my name from the account.
Please look into this matter and have XXXX XXXX XXXX XXXX and Transworld Systems Inc. to immediately remove my name from this invalid debt and close out this account.
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| 01/19/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I am repaying a private student loan from XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX. My payments are sent via an automated paper check sent out by my credit union through their online bill pay service. The payment due date is the XXXX of each month. The money does not get deducted from my checking account until the check is actually presented for payment and cleared through the ACH, just like any other paper check.
When I looked at my payment history on the XXXX XXXX XXXX XXXX website last week, I was startled to see that my XX/XX/XXXX payment was marked as processed on XX/XX/XXXX. I checked my bank account record and saw the check had cleared on XX/XX/XXXX. I looked at the other payments shown on the XXXX XXXX XXXX XXXX website and saw another discrepancy. My payment due onXX/XX/XXXX was marked as processed on XX/XX/XXXX. Again, this payment shows on my bank information as clearing on XX/XX/XXXX.
On XX/XX/XXXX, I called XXXX XXXX XXXX to ask about why the processing was not reflecting the actual date these two checks had cleared. They claimed that because I was having these checks sent by my credit union 's bill payment service, the credit union was taking the money out of my checking account at the same time the check was sent, not when XXXX was getting the actual payment. This is false. First, the paper check is being sent by the bill pay service prior to the XXXX of the month - it is sent in advance in order to arrive timely, i.e. BY the XXXX, not ON the XXXX. Second, the XXXX XXXX XXXX XXXX website shows that my payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all processed on the XXXX of the month, which would be impossible if the check were just being sent out on that date. Third, I pointed out that my XX/XX/XXXX payment was processed by XXXX on XX/XX/XXXX, according to their own records, which, if XXXX 's position were correct, would be two days before that check had even been mailed.
I asked to have the extra interest charges refunded. It is not a large amount, but it is my money, not theirs. If they did n't want to do that, I offered to accept a lump sum credit of {$5.00} for each month that my payment was n't posted correctly, a total of {$10.00}. They refused both of my offers.
The thing that really bothers me about this is that most people would not notice or understand the significance of the late posting. If every student loan borrower being serviced by this company is having their payments credited late twice a year, like I was, this company is cheating its borrowers by overcharging on the interest on those loans. This is fraud and it needs to be stopped. God knows how much money this could all add up to.
|
| 11/07/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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|
Web |
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I have already made this complaint before with XXXX but it is clear they want to point blame at UAS. This was the original complaint I made here to XXXX : " I lost my job in tech back in XXXX of 2023. Anything that has been saved up was spent on rent, car, insurance, and all other bills including my UAS loan. I have been in contact with UAS on the phone and XXXX XXXX through email and they only offered me a total of 6 months at a lower rate to delay the inevitable. When I asked for more help they told me if I can not make the payments then I WILL HAVE TO LET THE LOAN DEFAULT!! This gives lots of credibility to those who believe UAS is trying to destroy people 's credit as they also listed on their website that even bankruptcy may not help you from their loans! Now I still have no stable income and my minimum payment to UAS is {$1000.00} a month. I have also reached out to my school at the time, XXXX, for help all the way back in XXXX. They said they would file a case but have not given any progress updates since then. '' XXXX 's response made it clear UAS has all control with payment options as stated by them : " XXXX does not conduct credit reporting, including reporting late payments to credit bureaus. XXXX third-party loan servicer, University Accounting Services ( UAS ), handles servicing on this loan. Because XXXX is not a loan servicer, it can not offer settlements, facilitate payment agreements, or renegotiate the loan terms. The borrower is encouraged to speak with XXXX third-party servicing partners, UAS and Loan Science, for any further deferral information. '' However every attempt I have made at contacting UAS and negotiating a solution I have been met with the same general response : " We will only give you the 6 months of a lower payment that has already been given, please contact XXXX for further assistance '' Not only will UAS respond to this complaint last minute as XXXX did with theirs, but their response will boil down to they will not/ can not negotiate payment options unless XXXX gives them the okay.
This is a clear " point and blame '' tactic used to clear their name of the obvious : they want their money fast and do not care about the stability and future of their borrowers. I am stuck begging for money as to hope to meet the insane XXXX XXXX monthly payment, and as I am already homeless any ding on my credit will keep me on the streets. I have made my situation very clear to both XXXX and UAS and they have also made their intentions to not help me very clear. It is extremely frustrating having to share with friends and colleagues that I made a huge mistake furthering my education and taking a loan with XXXX and UAS.
|
| 10/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
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I work at a XXXX, when presented with an opportunity to further my education and advance in my department in 2006 I enrolled in a XXXX college in XXXX XXXX, CA to do so. I applied for what I understood to be a Federal Loan via the internet in order to support my self, wife and ( at the time ) XXXX children. While in the program I would not be able to work as many hours in order to attend school and would have XXXX to perform. Unable to finish the program due to a medical condition with XXXX I was forced to return to my previous position and lacking the ability to repay the loan properly. My family has since after a very long and hard decision filed personal bankruptcy two years ago attempting to make a fresh start and going back to what we thought was ground zero. We now find ourselves below zero with the current garnishment from XXXX XXXX XXXX XXXX. I was first made aware of the garnishment as I received papers from my HR department notifying me of the garnishment. The papers were never received by myself at my place of residence nor was I personally contacted by XXXX XXXX XXXX XXXX and XXXX in an attempt to negotiate with us. The impending garnishment on my check will in fact force us to move as my income pays our rent for myself, wife and now XXXX children. Only any additional money my wife makes puts food on the table, gas and utilities etc. We consider ourselves responsible people and arrived at the decision of our personal bankruptcy very arduously and after a great prayer and consideration. Only after discovering the loan with XXXX XXXX XXXX XXXX was NOT Federal and that there is seeming absolutely no recourse as a consumer we are simply at a loss. I feel we will be in indentured servitude for the unforeseeable future as we have explored any number avenues with no foreseeable avenue for a solution. My mother lives locally and is reaching an age where she will need care limiting our options of moving to a less expensive area of the county, in addition I am reluctant to leave my current employment as it has excellent medical benefits and my children as well as my wife have immediate medical needs which our plan covers completely. My child is enrolled in resource at her school with a XXXX and i am reluctant to changer her environment as well thinking of her future. If I were to loose medical it would be disastrous. I am simply at a loss and need help. I am not one to evade responability but feel not all of the lending practices exercised here were forthcoming and upfront or conducted properly. I ask for your scrutiny in this situation as I have already sought legal help which again was fruitless. Thank you for your time and consideration.
|
| 09/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
|
Dear : Consumer Financial Protection Bureau.
I receive a collection letter from Transworld Systems Inc. for XXXX XXXX this is a phantom bill, malice and retaliation from XXXX because they couldnt get the fraud money that they demand, and its a wrongful collection. I paid my bill in timely manner and paid as agreed. XXXX using consumer credit report and collection agency to hold me as hostage for extortion and ransom for their greed and profits.
There are two items that XXXX present to XXXX for their defending that I dont have or know anything about it. The statement XXXX send to XXXX is what XXXX created after I filed a complaint against them for fraud for profits.
1- I did not have any record of statement or debit amount withdraw or credit in the amount of {$79.00} from XX/XX/XXXX to XX/XX/XXXX. There is no record within my XXXX checking account or credit card account for the payment of {$79.00}. In addition to, in XXXX/XX/XX/XXXX XXXX claimed to give me a credit for {$140.00} is false, because, that same amount was adding back onto the following bill. XXXX can create any billing statement to send to XXXX and your office, I can only present to you what I got from them and my bank.
2- The amount of {$140.00} check # XXXX was paid and clear and was never return or cancel, and XXXX letter confirm its date XX/XX/XXXX, and prior to that too. In addition to, I send to Ms. XXXX my XXXX bank statement as she requested more than one, still no billing correction or justify the amount above, is was paid and paid. ( Attach copies document and letters ).
You could check with my XXXXXXXX XXXX and XXXX XXXX for my paying bill habit, for almost a decade I have no late charge or insufficient fund in all my accounts. I paid my bill in timely manner and paid as agreed, and I dont want to be a victim of this type of fraud and retaliation from XXXX because of greed.
This collection isnt necessary, I has requested many times for the correct billing statement of {$240.00} minus {$140.00} but all I get was ignored, denied, and silence. I have no problem paying my bill when XXXX sent me the correct billing statement I will send them the remain payment. No collection needed. Thank you for your understanding.
Sincerely, XXXX XXXX PS : Attach are copy/paste from my XXXX account paid in full, and more in hard copy.
XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX {$160.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX??? {$280.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXX Check CHECK # XXXX ( view ) {$140.00} XX/XX/XXXX XX/XX/XXXX Sale XXXX XXXX {$140.00}
|
| 03/19/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I have a XXXX or XXXX and XXXX. Both card are consolidate as XXXX card with a balance of {$7400.00}. Due to changes in my military status, I am no longer a monthly paid XXXX since XX/XX/XXXX. The hardship of paying bills become harder and I had to resort to payday loans. The end result is my XXXX was unpaid for several months.
here is my complaint, I was to receive my XX/XX/XXXX tax return of {$530.00} to be released on XX/XX/XXXX. I never received my refund. I was advised by the IRS automated system that my refund was paid to Transworld System Inc ( TSI ). I made inquiries to TSI and I had asked why is my refund taken. Customer services proceed to say to make payment arrangement. When I inquired why I never received a letter on this collection. They proceeded to say " no letter was return. '' I continued to asked more than 3x for a copy and the proceed with the excuse " no letter was return. '' until XX/XX/XXXX, I have receive an envelope with copies of transaction and a non legible or a very poor scan copy of letters sent to me in XX/XX/XXXX from XXXX. The letter is dated XX/XX/XXXX and the letter gives me 60 days of the date of the letter to sign an agreement for payment arrangement or a Treasury Offset Program will be implemented. 60 days from XX/XX/XXXX will not be until XX/XX/XXXX. my refund was taken from me to early. This violates the letter I never received. I spoke to XXXX customer service on XX/XX/XXXX to gather some information and I spoke to XXXX. She explained to me that various service members have lodge complaints with TSI, so why has nothing been done to rectify these complaints with TSI. TSI is punishing me with there high interest rate with a balance I checked back in XX/XX/XXXX of {$12000.00}. today this balance has gone up to {$13000.00} TSI has lied to me regarding letters sent out in XX/XX/XXXX. TSI has made it clear that I can not pay a single payment of the current balance due my credit report. Why has the FTC stopped this practice if various service members including myself being punished and my credit report will effected since collection will be on going and if I can the balance off in so many year, my credit report will still be negative for another 7 years because of the unauthorized collection practice and interest charges XXXX has suggested to me to inquire with TSI for hardship but the representative only laughed at me and said there is no hardship. I will soon receive my military retirement then my Social Security retirement. TSI will collect all my entitlements and leave me nothing to pay my mortgage, utilities and food. this is unfair to me since someone has given them rights to take this action.
|
| 08/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I received a letter from Transworld Systems , Inc dated XX/XX/XXXX in regards to a utility bill in the amount of {$430.00}. Back in XXXX of XXXX another Collection Agency company contacted me in regards to this same debt. At the time it was only on my XXXX report. This debt is not mine, so I disputed it and it was deleted off of my XXXX credit report and I have all of the proof. Transworld Systems , Inc. just put this on my credit report ( XXXX & XXXX ) without sending me any type of notice in the mail stating that I have 30 days to dispute the validity of the debt. I did start the dispute process and the letter I received from Transworld Systems , Inc. stated they received the dispute and how they have a relationship with the Credit Bureaus. That is violation number one, how can they just put something on my credit report without giving me a chance to respond because they didn't send me a notice. According to the Fair Credit Reporting Act the Credit Bureaus must verify all information that they get from banks, credit card companies, debt collection agencies, etc. The Credit Bureaus must have the, " ORIGINAL SIGNED CONTRACT. '' Under section 609 of the Fair Credit Reporting Act, the Credit Bureaus are suppose to have this contract to make sure it is valid/correct. Under federal Law, an UNVERIFIED account must be deleted. This is not my account, this company is not the original creditor. All these companies buy paper/screenshot. This is considered a charge off. these companies file a 1099 to the XXXX and this debt becomes taxed to me. You can not collect debt on taxed income. Again, this is not my account, this has been deleted from my XXXX Credit Report and still is on my XXXX and XXXX Credit Report. I have started the dispute process with XXXX and XXXX and mailed it out on XX/XX/XXXX certified mail with return receipt for both accounts. The estimated delivery date was XX/XX/XXXX. I mailed into the Credit Bureaus XXXX and XXXX my dispute letter, both of the letters from the last collection agency who had this account, the deletion letter from XXXX, the 1st and only letter mailed to me from Transworld Systems , Inc. a copy of my Driver 's License and Social Security card so that they know it is me. This company has already put something on my credit report without giving me 30 days to dispute the validity of the debt. I do not feel comfortable sending this company any of my personal information, because look how they already do business! I have sent everything to the two Credit Bureaus and that is why I have not loaded any documents to go to this unaccredited debt collection agency because I sent everything to XXXX and XXXX.
|
| 10/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/2022 Transworld Systems Inc.
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX To whom it may concern, While living at XXXX XXXX XXXX in XXXX, Iowa I experienced many abuses of authority. The first was retaliation after I complained about animal XXXX in the common building areas. Shortly after my first complaint to the property managers I began to receive notices that my apartment home was too noisy. The other abuse of power was the property manager ending my one-year lease without me having a day in court or sufficient notice. I was notified on XX/XX/XXXX that I needed to vacate the unit on XX/XX/XXXX. The property manager had maintenance and other men remove my belongings from my unit at XXXX on XX/XX/XXXX. I moved a half an hour away and by the time I came back to the building to load my small truck for the second time those guys had already removed my things, thrown my larger furniture items on the road and placed my other belongings in large black contractor trash bags.
I was hurt, humiliated and afraid for my safety at the way they handled my move out. I do not owe XXXX anything. I will attach email communications between myself and property management staff where I notified them of the behavior of one of the maintenance team members as well as the XXXX in the corridor. As I stated before living in this apartment building was degrading and terrifying. My kids became sick with XXXX and I believe it could have been due to the large number of apartments people used to house their dogs and pets. I was forced to move into this unit ( the last available ) after an illegal eviction during the Covid 19 pandemic.
The final abuse of power is the attempt to charge me a debt that I do not owe. XXXX did not notify me of any charges upon my move out or within 30 days of my move. The property managers also did not provide a move out inspection or review any charges to my security deposit. My mail was forwarded by USPS to my new address ( see attached ) and if they wanted to mail me a bill or anything they could have addressed it to the XXXX address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX and it would have been forwarded. In addition to the USPS proof of mail forwarding, I will also attach my proof of payment for the month. I do not owe XXXX XXXX anything further. They illegally evicted me and did not provide a walk-through inspection. They owe me for my belongings. They did not notify of any charges outside of my security deposit ( that they kept ) within 30 days. They have illegally and discriminately sent a large bill to collections. Please assist me In stopping these abuses.
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| 12/02/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Defendant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX, IL XXXX Ph : ( XXXX ) XXXX Website : XXXX XXXXXXXX XXXX XXXX XXXX, has wrongfully sent a bill for {$910.00} with my name on it to collections for debt that should be covered by my insurance. If he has waited beyond the service period of the insurance then thats not my concern. XXXX XXXX has to improve his back office billing.
I found XXXX XXXX as a future XXXX XXXX while searching for XXXX on the XXXX XXXX. He is a XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, IL. Truthfully XXXX XXXX is a very good XXXX with excellent customer relations and bedside manners. I have no complaints about his medical practice. He's a great XXXX.
However as a businessman I have reservations about his office operations. XXXX XXXX billing processes and procedures internally are all but efficient. My complaint is about a medical billing sent to collections. I had XXXX under my then wife and I now have XXXX under me.
On my last visit with XXXX XXXX, he stated that his office person could not collect on my insurance. I thought this was odd considering that my previous XXXX and XXXX both were covered with a Copay that I have with the insurance company. So I thought no worries he will take care of it, besides why should I do his medical billing?
That was around XX/XX/2021 and now it is XX/XX/2021 and I see that XXXX XXXX has sent this balance to collections instead of dealing with the Insurance provider. I have seen ( XXXX ) XXXX since XXXX XXXX and their billing is just fine with my {$20.00} copay. XXXX XXXX has sent my bill for {$910.00} to XXXX XXXX XXXX a XXXX XXXX out of XXXX XXXX, PA.
I want XXXX XXXX to take responsibility for this transaction and just because he has a medical practice or business service does not give him the right to generate a debt and charge it to the customer. Once the patient enters the office the payment arrangement is already made. Through the XXXX site the patient provides all their insurance information and it is reiterated once in the Docs office.
XXXX XXXX did not have a secretary, office clerk or nurse in the office working with him and he was handling all the responsibilities. I saw the XXXX twice before he told me that I owe {$910.00}. I told him that couldnt be so because of the way I set my insurance up. He replied very defensive and said that his person has always done his billing. I replied that I dont believe that she is correct and he said she is and I said impossible and he said then I cant see you today. I said fine.
I am not responsible for this debt at this time and should not be held liable for paying it.
Best Regards,
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| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX Transworld Systems Inc. closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX Transworld Systems Inc. placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt.
Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
The latest dispute letter I received from Transworld Systems was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status.
Every time a dispute letter was sent, Transworld Systems constantly sent me a copy of bill from XXXX XXXX XXXX which they are using for their METHOD OF VERIFICATION.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION.
As of current, Ive only gotten responses back from the dispute letter Ive sent to Transworld Systems from XXXX, XXXX and XXXX stating that the debt was valid.
As of XX/XX/XXXX Ive yet to hear back from Transworld Systems Stating how and why the debt was valid with no method of verification.
Since the debt was last disputed on XX/XX/XXXX, Transworld Systems has again willfully violated the FRCA by not responding to my dispute.
Transworld Systems Inc has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION.
Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX.
I have previously reached out to Transworld Systems Inc. several times with all required documentation concerning this alleged debt.
I have have asked Transworld Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE.
As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well.
This is the Information that the credit bureaus are supposed to store in their database on every consumer.
As well as 609 ( c ) ( E ) As of 09/18/2020 Transworld Systems Inc is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and XXXX.
I am asking the Consumer Financial Protection Bureau to investigate the non compliance by Transworld Systems and the disputes that i have submitted.
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| 05/23/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Transworld System Inc is the record keeper for XXXX which is a trust, not a lender like some reps at XXXX XXXX XXXX claim ( XXXX ). I need all of the negative marks removed due to misinformation that XXXX gives. There are multiple complaints against XXXX due to misinformation given, there are over a hundred online as of today. Per XXXX state law, XXXX ca n't force auto debit down my throat, I have told them several times that I will never do that with them. Also per XXXX is considered to be a XXXX debt buyer which means they have to adhere to FDCPA and FCRA. XXXX is a XXXX trust that sells debt into investment vehicles and has to prove whether or not they still have the loans. I have not received any proof of this which I asked for several times. Transworld has send some of the debt to a collection agency, but it is illegal to collect on a debt without showing me where it is currently per an attorney I spoke with. XXXX is a fraud they have received several XXXX and XXXX complaints against them which Transworld is aware of. My credit is trashed due to XXXX and their lies. Transworld outsources to other firms to do their work, the way their system is set up is so confusing. On my credit report, it shows that XXXX is a credit grantor which is a lie. XXXX is a trust and XXXX is a servicer. Per the FDCPA and FCRA, all of the information given to the credit bureaus must be accurate. I want all of the negatives plus the loans removed from my credit, I have told XXXX that I am not interested in doing auto debit with them. I even sent them a letter along with the forms saying to stop sending that information to me. I just found that XXXX of the loans was sent to a collections law form even though I was told by XXXX XXXX that he would hold the loans. Transworld is well aware of the complaints because they can go online to find them. My credit is ruined because of the way Transworld does business and they are in the business of confusing people, I can be sued over this debt even though XXXX refused to give me all of the required information, they only sent a promissory note but no information showing anything about XXXX. Also, whenever XXXX send out any letters it only states XXXX on the letterhead and XXXX XXXX XXXX for the name of the loan, again no mention of XXXX which is required for all paperwork. XXXX is a sham based on the complaints I read against them plus they use scare tactics such as wage garnishment, in order for any company to garnish my wages against me on a private loan ; they have an active judgement against me in the state XXXX. My federal loans were in current status, therefore the scare tactics are illegal.
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| 10/28/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2020, I submitted a second complaint against TransWorld Systems. This will be my third and final complaint with the CFPB and the next step will be seeing them in court with my lawyer, filing a complaint with the GA State Attorney General and holding a public press release.
I have attached their response which they replied to my last complaint and the continue submitting the same information, which is a contract that was signed with XXXX XXXX XXXX. This does not answer the questions which I demanded of them and up to now, they are still validating this debt and I have a RIGHT to get a response on my questions, since they are destroying my credit worthiness without valid proof. If they can read, which up to now it does not seem that they can, I will post my questions here once again. If they can not read my full statement and reply accordingly and legally, then I will see if they can understand my lawyer 's lingo instead in court. I do plan of bringing FULL charges against them in my state as well as theirs if this matter is not immediately resolved and this debt is not immediately deleted from my credit reports.
Here is what I am requesting for the third and final time. And just to let you know, I have records of EVERY attempt I have made with them in writing, which includes false statements they have placed on my credit reportings. No other agency is reporting false information on this account, except for TransWorld Systems, which I have clear evidence of on my credit reports.
Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. Please be reminded of XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely.
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| 10/26/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Older American |
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First, I pay health insurance through my husband employer, and we have had XXXX XXXX as our primary insurance for over 20 years. What I understand about the process between the doctors office and the insurance is that there is a contracts between my provider, which is XXXX XXXX and Doctors facilities. In addition, I do have a secondary insurance through XXXX, which my provider is XXXX. I always make sure that after 20 years of problems to make sure the doctors office has all my insurance information, which includes the doctors office having a copy of both insurance cards. XXXX is my primary insurance. Im positive that is what I told XXXX XXXX billing.
When I started to received bills from this office, I just threw them a way at first because I figured that this had to be a mistake and that they would eventually get everything straightened out on their end of things. Then I called the doctors office an asked what this was about. The employee was rude and disrespectful the whole time on the phone. The man whom I talked to in the billing department said that back when Covid was going on their employee who did the billing didnt come back to work, while I am thinking, I can not do anything about the doctors office procedures in billing. I literally can not produce invoices or file claims for a business of medicine to my insurance for payment because I dont know medical codes.
Once I give the insurance information correctly to the billing office and because they have a contract with the insurance company, it now becomes a communication problem between the provider and the insurance company where I dont usually get involved. Knowing that the Doctors office has experience and good people who knows how to file claims to the insurance provider. If the doctors office make a mistake, usually filing XXXX first, when denied they turn around and file the claim with the other Insurance company, which always pays first. I have found out through XXXX XXXX and talking with XXXX XXXX on a chat call about this bill where she said that XXXX XXXX and XXXX XXXX office had never even filed a claim. I also found out that the doctors office must file the claim within an agreed time frame which they give up to a year to file with special circumstances. Also, the Insurance company pays the agreed amount between the two business not just what the office charges. According to XXXX the contract states that the provider agrees to correctly submit the claim in the amount of time given and that the balance is not required from the patient because the doctors office did not file within the time allocated. Please look this up on XXXX website..
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| 11/14/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Transworld Systems Inc and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.Transworld Systems Inc, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates XXXX XXXX 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Transworld Systems Inc which is a violation of code 18 USC 1028 ( a ) ( 2 ). Transworld Systems Inc obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Transworld Systems Inc and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Transworld Systems Inc does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Transworld Systems Inc is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Transworld Systems Inc that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Transworld Systems Inc has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
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| 11/14/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Transworld Systems Inc and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.Transworld Systems Inc, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Transworld Systems Inc which is a violation of code 18 USC 1028 ( a ) ( 2 ). Transworld Systems Inc obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Transworld Systems Inc and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Transworld Systems Inc does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Transworld Systems Inc is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Transworld Systems Inc that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Transworld Systems Inc has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
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| 03/15/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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My University Accounting Service LLC 's ( " UAS '' ) account number is XXXX.
On, or about, XX/XX/2021, I mailed my loan cancelation form to UAS. Thereafter, I contacted UAS multiple times to ask for an update regarding my cancelation application and was told, " they have not received my application. '' I kept calling back and finally in XXXX, UAS said they received it. All this time, UAS told me, multiple times, to not make payments as it would backdate my account and make it current. I, also, noted on numerous occasions that I was worried my account would be too delinquent and asked for it to process my loan cancelation application promptly. It refused to do, and it stated that it would make notations to the account that it was still processing my loan cancelation application.
On XX/XX/2021, XXXX emailed me and said that it needed a " certification of employment '' from my previous employer. Not even 24 hours later, it mailed me a notice saying that it was denying my loan cancelation application because it was incomplete ; it had not given me ample time to send in a response to its XX/XX/2021 email. I sent the " certification of employment '' and asked UAS to confirm receipt ; it never did. And so, I called it to check on the status. During this phone call, I was told that it never received it. I, also, was told -- despite asking for, and never receiving, a clear directive as to what it wanted to be included in the " certification of employment '' -- I need to update my letter to included the fact that I was a full-time employee during my tenure at my previous employment. Apparently, UAS was too bothered to look at my previous submissions of employment to show that I was a full-time employee.
Putting aside my ever growing rage for the incompetence mill that is UAS, I did all of this and it finally sent me a email confirming receipt of my " certification of employment ''. Again, UAS kept telling me that I need not make payments to my loan because it will backdate my account and I should not worry. Well I am really worried, because its lack of action has real word consequences as I am currently delinquent on my payments and it is showing up on my credit report.
Moreover, on XX/XX/2021, I received a letter from the loan provider and my XXXX matter, University XXXX XXXX XXXX ( " XXXX '' ). In the letter XXXX, threatens that if I do not bring my account current that it will take negative actions against me. I worry that, even though I am doing what I am supposed to be doing, UAS is going to cause my account to be charged off and XXXX is going to take legal action to collect on this loan.
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| 11/30/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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On Thursday XX/XX/2021 my credit scores from all three credit reporting bureau 's dropped a whopping XXXX points. I had know Idea why but I watch my credit score closely and was notified by my bank. I checked the credit reporting companies and they staited the the cause was a delinkquent XXXX XXXX charged by a company called Transworld Systems which represents the unregulated power company in XXXX called XXXX XXXX XXXX. They claimed I owed XXXX XXXX XXXX. Now I have never lived in XXXX and I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for about 40 XXXX The following information about the fradulent XXXX XXXX bill was on the XXXX web site : Account XXXX : Amount past due ... ... ... ..Not Reported?
Bureau Name Transworld Systems Account type : ... ... ... ... ... Not Reported?
Original Lender : XXXX XXXX XXXX Responsibility : XXXX XXXX of account : ... ... ... ... XXXX month?
Credit Limit : ... ... ... ... ... ... ... Not reported?
Higest Balance : {$850.00}. Thats it, that's all the fradulent billing they presented to the Credit Bureaus that severely damaged my credit score.
Additional documentation into the dispute said only this : Account Number : XXXX Account type : Collections Date opened XX/XX/2021 {$850.00} past due as of XX/XX/2021, that a XXXX power bill for ONE Month!
Terms : one month.
After disputing the 3 bureau 's, I called Transworld directly at XXXX and spoke to a rep named XXXX. I told her this was a mistake on their part, that I was a XXXX XXXX and very knowledgeable about the FDCPA Act and the FCRA Act, so we could forgo any lies or made up stories about how this happened. The reps attitude changed for the the better Immediately. She told me that the bill was actually from a location in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX then asked for a copy of my drivers License to which I said absolutely not. I reminded XXXX that XXXX XXXX can not under any circumstances do business in the state of XXXX as the XXXX have never given them any type of approval to provide any service to customers in XXXX. But we did make an agreement that I would give her a ( partial ) copy of my latest XXXX XXXX XXXX with the account numbers blocked out ( they already had that information ) and they agreed repeatedly to provide me with a hard copy of the investigation that was expected to take 30 days. I have zero faith that they will comply. So it really comes down to 10 Power breaking federal Interstate commerice laws, which is quite serious. I will now be filing a complaint with the Federal Trade Commission which makes their actions a felony.
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| 10/09/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I am a XXXX, XXXX XXXX Veteran with very limited income, trying my best to get my life back in order. Please help!
I was XXXX in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my XXXX XXXX XXXX XXXX XXXX XXXX credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from prison in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the XXXX XXXX XXXX XXXX XXXX XXXX and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called TRANSWORLD SYSTEMS INC. ( TSI ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was incarcerated. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to TSI via certified Express mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to prison ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XX/XX/XXXX ) can apparently be collected as a federal debt would, through garnishment.
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| 06/24/2017 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX I was approved for a consolidation by XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX XXXX returned approximately XXXX back to XXXX XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by TSI Transworld Systems 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. InXX/XX/XXXX my wages were garnished. I called TSI and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XXXX the notice was mailed to me and TSI resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to XXXX to resolve the issue and XXXX has not responded. I contacted XXXX XXXX with TSI to explain the situation and ask for his assistance in reaching XXXX to resolve because when I call the automated system referred me to TSI and disconnects. XXXX assured me He would help and suggested I call back Friday XXXX. Instead of assistance from TSI, they resolved my dispute and on XX/XX/XXXXgarnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue TSI for unfair treatment and unethical collection practices. TSI 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.
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| 12/29/2022 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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The school promised me grants, scholarships, and Military grants for tuition. I did not receive these promised Financial benefits in the end. It is to my understanding that a XXXX XXXX is awarded to students who are in dire financial need and need extra money to cover education cost. The semester XX/XX/XXXX, prior to being dismissed, my tuition cost were covered with the financial aid I was awarded. Upon a records check in XXXX, and it became known to me that I had an outstanding loan of {$300.00} by way of a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX also known as XXXX. The school sent me a master promissory note with a signature that is not mine. The signature on the master promissory note contains a mixture of numbers and letters. For the record, the digital signature is not mine nor have I used one to sign any of my master promissory notes. It is also to my understanding that the document more over the promissory note must be an exact copy of the original. The master promissory note the school sent had an address where I currently live, when I attended the school I did not live in XXXX. The original document would have the address on it where I lived at the time the master promissory note was signed.
I did not need the money for tuition. I did not request the money nor did I receive the {$300.00} back in the form of a student refund nor was it applied to my tuition cost.
I have made several written formal request ( to the school demanding the removal of this loan from my credit and that the XXXX loan is mine. I've explained to them that I did not apply for it nor did I need it, however I have not been able to come to a meeting of the minds with the school or loan servicer XXXX. Again the money was returned to the school I never seen it.
The documents that I have attached to this complaint should explain moreover detail the fact that I have presented in the complaint. Both of the attachments I have below labeled ( XXXX. itemized statement XXXX XXXX loan XXXX XXXX ) show that I received a refund approximately {$800.00} ( XXXX ) = {$1600.00}, therefore the financial need that required me to request this XXXX XXXX is not valid. My tuition & book cost were covered as shown on the attachments I've referenced to above.
Again, the need was not present and I did not request it nor did I want it. Moreover, proof is within my attachments showing that this was paid. It is a fact, most of the XXXX Loans have been discharged many years ago. For some reason the school decided to reverse the payments and add it back to my account. The proof of this is in the attachment, XXXX.
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| 03/29/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need have documents or issues. One day I believe they even called me before XXXX XXXX. They call 4 times a day on my cell at least daily. I have not given them permission to call me or my cell. They dont leave messages. I feel threatened. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX XXXX and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
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| 09/08/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX I received an alert from my credit report stating that a collection was placed on my credit file. I called the hospital that I went to XXXX XXXX Hospital and asked about my bill because I have never received it. I totally forgot about it, it had been so long. They informed me that it was never sent out and that they were going to send it out today ( X/X/17 ) and that there was a financial assistance form attached to it. They were great. I was not aware that I had several bills coming from the hospital, I never received any other bills, no phone calls nor any messages. There is a possibility that it could have gone to a neighbors house with the exact same address as mine but their address is Pass and mine is Court, which happens all the time, they always send it back to the post office. Now to the complaint, I called XXXX ( original ) and Transworld Systems , Inc. ( collections ) to inform them that I did not receive a bill because if I did and believed it belonged to me I would have made some type of payment arrangements. I value my credit so there was no way that I would have ignored it. I have requested a breakdown of what the bill ( an itemized bill ) to see what the charges were for. I was informed by XXXX that they could not provide me with an itemized bill nor could they call me and leave a message concerning this debt. I was very upset about this and talked loudly but not fowl but after being lied to and so inconveniently hung up on. My last calls I did let them have a piece of my mind and asked them to make sure that they were still recording. My issue is, there were no attempts made to contact me other than them claiming to have sent me letters ... no calls? no messages? Heck 1 voicemail message would have gotten my attention. I have contacted an attorney to take them to small claims court if by all means the debt is mine I will pay it but they should have never placed this on my credit report. I never knew of this bill. XXXX XXXX Hospital is sending me a financial assistant letter along with a copy of the bill that I never received and admitted that they never sent one out. But XXXX whom I never heard of is the one that hired Transworld Systems, Inc. Neither one has contacted me and both claimed to have sent letters. Transworld Systems , Inc. claimed that they did not have my phone number and had my husbands number but stated that when they called me " I told them not to call me '' so if you did n't have my number to leave a message how did I tell you not to call me???? they have never contacted me not once so I knew nothing of this bill.
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| 04/27/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hi, I was mislead by a XXXX XXXX in my local area. They advertise on their website a XXXX monthly membership and I was never provided with a physical or digital contract. They have several complaints against them in the form of online reviews about their deceptive and unreasonable tactics that force people to stay in contracts against their will and their customer service refused to respond to me until I threatened to go to the XXXX. They refuse to cancel my membership though they falsely advertised a XXXX monthly plan and there was no contract provided to me stating this was an annual contract that also has hidden fees ( some customers paid XXXX in hidden fees, I was charged XXXX so the amount seems arbitrary ) .Many customers and myself believe these tactics may warrant further investigation into possible fraud. I have attached the contract they say I am allegedly obligated to, which was printed and populated with my information, but never signed or presented to me at the time of registration. They deliberately make it virtually impossible to cancel, requiring certified mail within exactly XXXX months of initial registration- in which case they will charge for XXXX calendar months. If this is not sent in that exact time frame they sign you up for another XXXX months. The sentiment online with over XXXX XXXX XXXX is that this company is fradulent and intentionally coerces people into continuing payment to them long after no longer using their services. I lost my debit card in XXXX and sent an email to cancel my membership and got no response to customer service. They sent a collections for XXXX ( XXXX x XXXX XXXX a month should be XXXX ) and refuse to cancel my plan. I want my membership cancelled and I do not feel like I should be required to pay that amount because I sent an email to customer service about cancellation and was never informed of the terms and I have not used the services since XXXX XXXX XXXX. Many customers have had this experience and have been coerced and XXXX XXXX into paying these hidden fees and forced into never ending monthly payment by this XXXX Their website does not list these terms anywhere digitally and the contract is never presented in person either.
They have XXXX XXXX star XXXX reviews and XXXX complaints in the last XXXX years and have aXXXX XXXX XXXX
XXXX XXXX XXXX On top of my personal resolution, I think this company may warrant a fraud investigation. There are multiple reports of them intentionally not cancelling memberships and lying and providing to give information to customers about the terms of membership.
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| 08/12/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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While reviewing my credit report in XX/XX/XXXX, I discovered an open collections account for {$180.00} from TSI/940. After finding contact information, I called TSI and requested documentation for this debt, and expressed that I had never received anything to support this, thus believed this to be inaccurate. The collector insisted several times that I make a payment with my credit card. I was told that even if I paid the debt, I would not receive a letter. Concerned that this was a scam, I denied making any payment until I received documentation to show this was a valid/accurate debt.
After recently applying for a mortgage with my husband, I received notification from the lender of a Derogatory Account. Obviously, this was a severe negative impact to our home buying process. I learned this was reported XX/XX/XXXX - nearly 9 months after my initial request for documentation. Since I did not receive notice of this being reported to the consumer reporting agencies, I waited 30 days before calling TSI again ( ref. FCRA ) in case something would come in the mail. I received nothing.
On XX/XX/XXXX I called Transworld Systems , Inc. and spoke with XXXX XXXX who provided me with the following information : {$180.00} is from an invoice dated XX/XX/XXXX Reported to TSI agency on XX/XX/XXXX I requested that she provide me with the dates for any mail correspondence that XXXX sent me. She provided only two dates : XX/XX/XXXX : Letter containing debt information XX/XX/XXXX : Letter offering payment arrangement, asking " how can you resolve this bill? '' Since I never received either of the two letters she referenced, I asked that she confirm the address she has on file. She had the correct address.
She also advised that the collection was reported to all 3 agencies 3 times and provided the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX XXXX XXXX This has had a major impact to my credit score.
To date, I have not received anything in the mail allowing me to validate this debt. However, they continue to call me several times a day, from various numbers. Many of these calls come through my phone and say " Spam Risk ''. Several times I have answered and been hung up on. I do not have any voicemails from this company. When I reference the numbers I receive calls from, they do not match those which I find when doing a search online for TSI.
I believe all of the above to be unfair and unethical collections practices - such as failure to provide notification and/or validation of debt, and failure to provide notice of reporting to consumer reporting agencies.
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| 11/02/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Recently received a notice for garnishment on a judgement I was unaware of for XXXX XXXX XXXX XXXX XXXX. This garnishment notice is dated XX/XX/XXXX and proceeded on XX/XX/XXXX.
After recieving the notice in XX/XX/XXXX for a judgement I was unaware of I contacted the Attorney whom filed and asked for more information. I have always been under the impression this loan was taken care of when I did a debt consolidation in XX/XX/XXXX in which was completed by XX/XX/XXXX with XXXX XXXX, Dept of Education. The attorney proceeded to tell me that the lender was XXXX XXXX XXXX, XXXX. After researching this further I have found that XXXX XXXX XXXX has been purchased by XXXX XXXX XXXX and now branded as XXXX XXXX. I spoke with a multiple departments and a supervisor and no one was able to locate any file using my social security number. I asked for this in writing and was denied. I then researched further while XXXX investigated further and found that CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits. In the Case XXXX Document 3-1 Filed XX/XX/XXXX I found that XXXX XXXX XXXX XXXX XXXX XXXX filed for a garnishment against me this same day. When speaking with the attorney they are refusing to give me any further information in reagards to this loan. In XX/XX/XXXX I filed Chapter XXXX BK after the sudden death of my husband and found XXXX XXXX as a creditor and I contacted them for more information and they stated they can not discuss my account and they would mail me documentation that could take several weeks. In further research I found A copy of the consent order entered against XXXX XXXX , XXXX XXXX Document 1 Filed XX/XX/XXXX.
I have not received any documentation from XXXX or Transworld , Inc. and I am asking if this case that has been filed in my behalf would apply to me and my current situation. I have requested documentation and clarification of this judgement against me from multiple companies and several calls to the attorney that has filed against me ; I have not been able to receive a straight forward answer. When dealing with the attorney she has been rude and unhelpful in this matter and simply states I owe this and I am going to pay it. I am very concerned about this judgement due to the recent judgement placed against these companies. I appreciate any help I can receive at this time. In the past several years I have done everything I thought to make sure I am taking care of my obligations as a reasonable adult and single parent. I greatly appreciate your time and consideration.
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| 10/28/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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On XXXX/XXXX/15 I was Notified that My husband owed {$1600.00} to Transworld Systems Inc for a medical Debt from XXXX XXXX XXXX. I called them and was able to get any information regarding the account other than I owed them. I called XXXX and they said that I only owed {$580.00} and I have to pay it to the Collection Company. So on XXXX/XXXX/15 I Paid the {$580.00} to Transworld System INC. They still stated that I owed {$1000.00}. I told them that no My insurance has settled with XXXX town they said that they would have to send a request for the information from roop town to have the adjustment. So Once the payment was made I asked that Transworld when I would be receiving a receipt. They told me that It would take 30days to issue a receipt for payment. I then Asked If I could be emailed or faxed it they told me no they do n't do that. So on XXXX/XXXX/15 I called to see if it had back to Transwold because the debt was still showing up on my husbands credit report. So I called both XXXX and Transworld and neither had talked to each other XXXX still was not notified of me making my {$580.00} Payment to Transworld and Transworld Still had no information about the insurance adjustment. Being that We are in the middle of trying to closed escrow on a home I let them both know that I needed them to communicate with each other and get this clear. Both Said that they have sent a request over for information but nothing has been sent back. I have called every day since ( mom-Fri ) and tried to get this issue cleared and as of today XXXX/XXXX/15 Transworld has closed the account but still say I owe {$1000.00} and have yet to notify XXXX XXXX that I paid {$580.00} to them. So XXXX still say I owe {$580.00}. At this time we have had to extend the closing date once due to not being able to get this account closed with a {$0.00} balance. I have requested a receipt several time and TransWorld has yet to give it to me.. They faxed my Loan Officer a Letter yesterday stating that I still owed $ XXXX.But no receipt for the payment of {$580.00}. When I call they say the account has been closed. I feel as if they are holding us hostage. We are currently living in a motel since we where expected to move in to our new home on XXXX/XXXX/15 and had to be out of our current home on XXXX/XXXX/15. All of this due to them being not willing to communicate with the original creditor to clear up the situation. I have offered to send them the information but Transworld was un willing to take it. I am very frustrated and feel very upset and Do n't want to see this happen to others.
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| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had University Accounting Service ( UAS ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from UAS was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from UAS. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with UAS. I received a call from a UAS rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from UAS after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked UAS 's website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from UAS stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from UAS after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX.
I filed a complaint with the XXXX on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from UAS stating my account would be corrected and that nothing was reported past due.
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on UAS 's website, as well as the screenshot from the DOE 's website with the XXXX due date.
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| 11/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against Transworld Systems Inc for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given TSI any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with TSI and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TSI any right to collect on this alleged date. It is my belief that TSI is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from TSI before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If TSI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TSI can provide me with sufficient documentary evidence that I have the legal obligation to pay them for a wireless product. They have no product, phone number or anything attaching me to debt. If this documentation can not be produced and TSI continues its collection efforts I will file for litigation for actual damages caused and TSI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also TSI has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.
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| 06/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
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I am filing a complaint against Transworld Systems Inc. ( TSI ) for violation of State and Federal debt collecting laws. TSI, a third-party debt collector that is collecting an alleged credit card debt on behalf of XXXX. TSI is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and the State of Texas Debt Collection laws under Title 5. Chapter 392. Specifically, FDCPA 15 U.S.C. 1692c 805. Communication in connection with debt collection and 806. Harassment or abuse, and Texas Finance Code Sec. 392.302.for using the telephone to harass me, and failing to abide by a cease and deist communication order. Additionally, TSI does not have a surety bond and has not filed a copy of the bond with the Office of the Secretary of State in the State of Texas and is in violation of State law by engaging in debt collection in Texas.
Note, in XX/XX/XXXX, I notified TSI in writing to cease and desist any communication with me, as well as my family and friends, in relation to the alleged debts owed. I advised that I did not want to be harassed repeatedly using the phone to annoy me by calling my home multiple times per day. The phone calls ceased altogether shortly thereafter. For some unknown reason, on XX/XX/XXXX, TSI resumed its harassing phone calls to my home, leaving voicemail messages with my personal information. The calls are originating from different local phone numbers with the prefix of ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX. I am attaching a screenshot of the voicemail log that I printed out from the XXXX XXXX XXXX ( home phone provider ) which contains a log with the phone numbers, dates, and times of the calls. The voicemail messages which have been preserved, state the following : This is an important message from Transworld Systems Incorporated a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX at XXXX XXXX XXXX XXXX. Again, that XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you. Transworld Systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ( screenshot of the transcribed voicemail is attached as well ) I have never revoked or withdrew my cease and deist notice. I have also not been in contact with TSI for some time now. Therefore, I am confused about why TSI has resumed contact, especially about this alleged debt that has been disputed multiple times over.
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| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
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Web |
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A woman named XXXX called claiming to be with TransWorld collections agency. This attempt to immediately go into payment, ask for my bank account or card numbers three times without following fair and correct legal debt collections practices is the reason for today 's report.
" XXXX '' read a usual script. What was not normal was the immediate insistence that I give my checking account, abrupt requests for it, in urgency. This is indicative of a scam.
Additionally, I have been in contact with XXXX XXXXXXXX and have spoken regarding my temporary ( hopefully ) XXXX.While not working, desperately want a career and my life back. So, when XXXX called and did not " attempt '' to understand as her script states, share WHICH company ( she then stated the name of a company of a closed card from years ago ) without my asking whom she represented, or, what debt but go immediately into asking for my payment information! This is not a fair and legal debt collection practice.
XXXX in her script stated " this is a recorded call, and, an attempt to understand the needs of my status, attempt to collect a debt '', as read.. That is ok in fair debt collection regulations in the United States XXXX Next, " XXXX '' began by asking for my checking account details asking what payment will I be using? When I responded may I ask what you mean? What?
What debt are you referring to?
What company is this and what is this regarding, she stated a card ending in XXXX. While there may have been one ending in XXXX, that could be a scammer pulling up my information, as recently I have experienced personal data breached information as have many citizens in our global digital environment. In fact, the suspicions grew as I remained in good faith in contact with the card company, as I loved the company.
I did speak with the debtor as shared above, and, have in many times in the past shared already why this is closed, even worked with their staff personally, as I really loved that company.
Therefore, while there may be an outstanding debt and hopefully this was TransWorld, yet sincerely doubt it. The woman calling herself " XXXX '' continued to keep asking for payment information three times prior to actually listening to understand, as stated in the script. The number does not come up as TransWorld.
So responding " what ''? " What do you mean? '' led to her asking again for my payment information, not to assist the consumer by sharing specifics of the debt to confirm legitimacy.
This is no compliant. If it was TransWorld there will be a recorded call.
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| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Dear CFPB Complaints Department, I am writing to file a formal complaint against Transworld Systems Inc for their relentless pursuit in attempting to collect a debt that is a direct consequence of identity theft. An individual, using my stolen identity, leased multiple apartments across the country simultaneously and failed to pay rent. Despite my efforts to provide Transworld Systems Inc with evidence of this fraudulent activity, including a police report, FTC affidavit, proof of identity, proof of residency, and the multifaceted nature of the identity theft incident, they persist in their collection efforts. Their actions blatantly violate the Fair Credit Reporting Act ( FCRA ).
The debt collector, Transworld Systems Inc, has continually disregarded the evidence provided, which unequivocally proves that the debt in question is a result of identity theft. Their actions not only defy the FCRA, which explicitly mandates fair and accurate reporting, but they also ignore the multifaceted nature of this identity theft incident, which has resulted in multiple fraudulent leases across various locations.
The following are the laws and regulations that Transworld Systems Inc is violating under the FCRA : Failure to conduct a reasonable investigation into the disputed debt, as required under 611 ( a ) ( 1 ) ( A ) of the FCRA.
Neglecting to cease collection attempts and reporting to credit agencies on a disputed account, as mandated by 611 ( a ) ( 2 ) ( B ) of the FCRA.
Failing to comply with the FCRA 's requirement to verify the accuracy of the debt following a consumer 's dispute under 611 ( a ) ( 7 ).
As a result of their persistent and unlawful actions, I demand the following immediate actions be taken by Transworld Systems Inc : Cease all collection attempts related to the fraudulent debt associated with multiple leased apartments resulting from identity theft.
Remove any and all mentions of this debt from my credit reports.
Provide written confirmation that they have ceased collection efforts and taken necessary steps to remove this fraudulent debt from my credit history within 30 days.
I am providing additional copies of the evidence supporting the multifaceted identity theft incident and the fraudulent nature of this debt. It is my expectation that the CFPB will promptly investigate this matter and take necessary actions to ensure that Transworld Systems Inc adheres to the laws set forth by the FCRA.
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
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| 02/22/2017 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Don't agree with fees charged
|
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Web |
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I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.
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| 09/03/2017 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Fraudulent loan
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Web |
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When I applied with XXXX University my expected graduation date was supposed to be XX/XX/XXXX so my funding package was created ahead of time until that date. When XX/XX/XXXXcame around I noticed that I still had 3 classes left, so when I got a call from XXXX stating that I needed to schedule a exit exam because I was about to graduate I asked how that was possible considering I still had 3 classes left. The person I spoke with looked into it and said someone else needed to call me back. I then received a call a few days later from my academic advisor stating there was a mistake and somehow my file ended up in theXX/XX/XXXXgraduation pile which mind you, my enrollment forms and financial forms all have XX/XX/XXXX as my graduation date. So she said that would request an extension for my financial aid coverage which she then told me was approved and I would be covered for the last 3 classes. I then received a call from XXXX towards the beginning of XX/XX/XXXX stating that there was a mistake with my financials and my last class would not be covered and it was going to be {$2000.00}. I explained that I did not have money and was told I would be covered so then XXXX academic advisor then told me to apply for a private loan which I did not think I would be approved for since my credit was already bad. She stated that she knew for a fact I would get approved if I applied for XXXX XXXX XXXX XXXX, which I did apply and I did get approved but of course there was an error on their part again and she told me I only needed to apply for {$1300.00} and the difference would be taken care of but I guess XXXX XXXX XXXX XXXX has a minimum loan amount of {$2000.00}. So I had to reapply again which was 2 credit hard inquires that I took. I then failed my class and asked for a substitution class within that same category and I was told there was no way I would be able to by the Dean via email. I was then told that my only option was to withdrawal which I asked for the forms and emailed them back due to the financial fraud that was conducted. I started receiving statements from XXXX XXXX XXXX XXXX on XX/XX/XXXXand I made the first payment but by the next statement I realized that XXXX XXXX XXXX XXXX was taken over by the company XXXX XXXX XXXX so I did some research and XXXX is a financial company within XXXX which I was originally told it was a separate financial Loan institution. I have all the fraudulent financial information and current billing statements. I do not believe i should be responsible for this out of pocket expense.
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| 11/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX DEPT OF ED/XXXX ACCOUNT # XXXX US DEPT OF ED/XXXX/XXXX ACCOUNT # XXXX UD DEPT ED ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX TRANSWORLD SYSTEM INC ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX,
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| 08/08/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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A year after moving ( XXXX ), I was contacted via telephone by Transworld Systems. The representative informed me that they were attempting to collect a debt in the amount of {$130.00} on behalf of XXXX XXXX, my previous energy provider. I explained that I verified with XXXX XXXX before departure that there was no outstanding balance. Further, I informed the Transworld Systems representative that I would contact XXXX XXXX directly, verify this information, and settle any remaining debt if applicable. When I called XXXX XXXX, I was informed that no debt existed and nothing had been sent to a collections agency. At this point, I disregarded the call from Transworld Systems as it appeared to be a scam call.
In XX/XX/XXXX, I received notice of unpaid debt reported to the credit bureaus. After examination, I realized it was Transworld Systems reporting the debt of {$130.00}. I immediately disputed it as fraudulent as I had already received confirmation that it never existed. It was removed from my credit report.
In XX/XX/XXXX, I received mail from Transworld Systems acknowledging that I reported my identity being stolen in reference to the debt. Included in the mailed documentation were an identity theft report form and a bill from XXXX XXXX. I did not complete the form as the fraudulent action is not identity theft, but Transworld Systems ' attempt to collect false debt. Further, the bill included as evidence is just a copy of a bill from XXXX, not an overdue/unpaid notice.
Upon receiving the mailed documents from Transworld Systems, I immediately pursued written confirmation that no original debt existed. XXXX XXXX is now XXXX XXXX. I explained what was occurring and received the following response : " Thank you for contacting XXXX XXXX. We understand your concern regarding this balance and are glad to assist. We have confirmed that the amount of the final bill was covered and that there should not have been a balance to send to a collection agency. Our records indicate that you may contact them directly at the number XXXX to inform them that the payment was processed. We apologize for any inconvenience caused. '' Because I'm at the point of distrust for Transworld Systems, I contacted them through their support e-mail so that I would receive a response in writing acknowledging that no further actions would be taken. It has been weeks and the company has not responded. In reviewing this company, there appear to be a lot of people having the same issue with attempts to collect debt that does not exist.
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| 09/21/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I want this inaccurate account removed from my consumer report due to the reporting of this account is inaccurate and a violation to my right to privacy which is stated in 15 USC 1681 section 602a ( 4 ). This debt collector is also using my personal identifying information to coerce me into paying an alleged debt which is a violation of 15 USC 1692d ( 4 ) and is defined by the FTC as debt parking. My rights have been violated and this account needs to be removed right away.
Transworld Systems Inc XXXX XXXX XXXX | XXXX XXXX | XXXXXXXX XXXX PA XXXX Account Number : XXXX RE : Debt Validation Request I am writing to you in response to a collection notice I received from you on ( XX/XX/2023 Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested.
Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.
Please provide me with the original creditor 's name and any supporting documentation.
A signature on an agreement stating that I have agreed to assume the debt.
A copy of the debt agreement, including the principal, interest, and any additional fees charged.
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in ( state you currently reside ) along with your license numbers and Registered Agent or Agent of Service.
If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease.
I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication.
If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
Best Regards, XXXX XXXX
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| 08/03/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permited by law I had not heard any specific actions taken to recertify the items I had identified as inaccurate or incomplete in my credit report.
Items : TRANSWORLD SYSTEMS INC Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to recertify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a proper dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
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| 07/21/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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-XXXX XXXX XXXX Private Student Loan obtained XX/XX/XXXX, $ XXXX Me with Parents as Cosign -Sold to XXXX then Sold to XXXX XXXX XXXX -Payments made faithfully -Cosigner File Bankruptcy I think XX/XX/XXXX -Payments were ongoing -XXXX XXXX XXXX Suspended payments on their own initiative because of Cosigner in Bankruptcy -Somehow Loan Declared as Defaulted with Date of First Delinquency XX/XX/XXXX -XXXX XXXX XXXX Remained unreachable, Loan Disappeared -Attempts to Find the Loan with XXXX XXXX and XXXX were unfruitful as no one knew how to contact the XXXX or what happened to the Loan XXXX XXXX Cosigners Bankruptcy Case Closed, I called XXXX to follow up with Loan XXXX, They Could not localize the loan that they Had secured from XXXX in my name or my cosigners name. XXXX : XXXX Consumer Reporting shows TRANSWORLD SYSTEMS having placed an Account in Collections for me, Date Assigned XX/XX/XXXX -XXXX confirms now XX/XX/XXXX a last known balance of {$7400.00} and provides me a non-working telephone number for the XXXX, multiple attempts failed -I found a different number and reached the XXXX who now ARE able to find my loan and is NOW able to give me information on TRANSWROLD SYSTEM as the company Servicing the Loan on their Behalf -I Speak with TRANSWORLD SYSTEM who is able to verify my account but has home addresses and telephone numbers that are 8 years old ; they have never made any attempt to contact me, neither has XXXX. -TRANSWORLD SYSTEM says a " different department '' is managing my account, I am transferred to the LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX , Florida who confirms my account is in collections, no other information provided as to promissory note, proof of debt, XXXX account information over the phone. -LAW OFFICES OF XXXX XXXX XXXX claim I owe {$7800.00} that they are collecting for XXXX ; a different balance than that provided by XXXX today as the original amount owed. MY GRIEVANCE IS THAT THERE IS A COLLECTIONS ACCOUNT FILED AGAINST ME WITHOUT ANY EVIDENCE OF THE ACCOUNT BEING OWED OR PROOF OF TITLE. THE LOAN IS IN DEFAULT WHICH IS NOT POSSIBLE AS THE LOAN WAS BEING PAID APPROPRIATELY UNTIL XXXX ADVISED THAT PAYMENTS WOULD NOT BE ACCEPTED RELATING TO COSIGNER IN BANKRUPTCY. I WAS NEVER CONTACTED BY ANY OF THE ABOVE MENTIONED PARTIES WITH REGARDS TO THIS ACCOUNT. THERE IS AN ALLEGED PAYMENT HAVING BEEN MADE ON MY CREDIT REPORT ON XX/XX/XXXX ; WHICH IS NOT POSSIBLE AS NO PAYMENTS HAVE BEEN MADE SINCE XXXX SUSPENDED AS ABOVE, WHICH BRINGS UP THE ISSUE OF THE STATUE OF LIMITATIONS.
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| 03/25/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Back in XXXX of XXXX, I closed my account with the internet provider, XXXX. I closed my account with XXXX, because I wasnt receiving the service I was paying for, and their customer service was unhelpful in resolving my service discrepancy. As a result, I paid the balance owed on the account, which was in the amount of {$65.00}, with a convenience fee of {$3.00}. After I paid my balance, I closed the account, and immediately changed service providers. Some time after, XXXX attempted to collect an erroneous debt I didnt owe, and reported the debt to the credit bureau XXXX XXXX XXXX I disputed the debt, and XXXX determined that I didnt owe anything, and removed the debt from my credit report. Now, this year ( XXXX ), it appears Transworld Systems ( a debt collector ) is attempting to collect on an erroneous debt they claim is on behalf of XXXX, in the amount of {$540.00}. Theyve recently reports to the credit bureaus XXXX XXXX XXXX. Ive disputed both, but both XXXX XXXX XXXX are reporting that Transworld Systems is reporting accurate information. Ive requested evidence & an itemized breakdown of this accurate information, but neither XXXX, nor XXXX have been forthcoming with it. Instead theyve referred me to contact Transworld Systems, the debt collector. Ive attempted to contact Transworld Systems, but theyve been completely unhelpful in resolving the matter, and have been less than forthcoming with any evidence Ive requested, including failing to provide an itemized breakdown of the erroneous debt they claim I owe. They didnt even get my name correct. At this point I dont know how to resolve this matter, as none of the parties involved seem interested in helping. Whatever is being reported by Transworld Systems is false, and inconsistent with my credit history, and inconsistent with my experience with XXXX ( the internet service provider that Transworld Systems is apparently attempting to collect a debt on behalf of ), and is completely inaccurate. I am requesting that this erroneous debt be removed from my credit report history, and that Transworld Systems cease and desist their attempts to collect on this erroneous debt.
Upon further research, Transworld Systems appears to be a scam, which is being reported by numerous consumers who are having a similar experience, that Transworld Systems is attempting to collect on a debt not owed. A simple XXXX search will reveal other consumer reviews of Transworld Systems, as well as the over XXXX reviews reported at consumer affairs hXXXX XXXX XXXX # reviews
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| 08/04/2015 |
Yes |
- Debt collection
- Federal student loan
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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Transworld systems had been calling repeatedly using cell phone exchanges to prevent " Transworld '' on a caller ID. They never left a message. On XX/XX/XXXX at XXXX I answered XXXX of those calls ; they have actually used XXXX numbers. The woman on the other end asked for my son, did I know where he lived and where he worked. Thinking it was a friend of his, I told her he lived in XXXX XXXX, MD. Then I asked for her name but she said she did n't have to tell me that. Then I asked who she represented and she again said she did n't have to tell me ; I hung. Since that day, Transworld has called every weekday without leaving a message. Nine dayslater, on XXXX XXXX they began leaving a message saying who they were and " the official debt collectors disclosure '' about the purpose of their call ; they never did did before. About the third week in XXXX Transworld garnished my son 's paycheck {$75.00}. As my son is XXXX, he gave them permission for me to talk to them on his behalf. XXXX XXXX, XXXX XXXX XXXX at XXXX immediately launched into her tirade of agressive intimidation, which included telling me not to interrupt when I attempted to ask a question, repeatedly telling me that both I and my son were lying, and continually making demands regarding my compliance, in the process repeating herself over and over again. It was a classic " breakdown-the-subject '', one-sided barrage of intimidation designed to frighten me into submission. Her berating went on from XXXX XXXX until XXXX ; a full hour and a half! My son submitted the signed " XXXX '' forms she sent him and is supposed to get his loan payment reduced to 1 % of his income. His takehome pay, after deductions, which include a company health plan, is {$XXXX}. There is also Transworld 's collection fee of {$3200.00} which I assume they will want him to pay. My son got a XXXX year degree using many loan programs including XXXX, XXXX and XXXX. Because of his XXXX he received XXXX years of XXXX paid for by the county and the state that cost {$100000.00}. In his XXXX he also became XXXX ... and XXXX ; he was an XXXX years. He started his XXXX and worked as a XXXX during that period, but never made very much ... barely enough to support himself. XX/XX/XXXX he entered a XXXX and has been XXXX for seven months. He has had a job since XX/XX/XXXX and has received XXXX pay increases and numerous promotions ; he is now the XXXX. I think XXXX XXXX and Transworld have violated laws regarding debt collection. Thank you for this opportunity to submit a complaint.
|
| 01/12/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Here is the letter I sent the collections agency. It describes the situation well.
XX/XX/XXXX REGISTERED MAIL Transworld Sys XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam, Today I was reviewing my credit report and I learned your agency filed XXXX collections on my credit report on XX/XX/XXXX. At no time did I receive anything from your company stating that a collection action had been filed nor have I been given an opportunity to determine if these debts were legitimate before you placed them on my credit report.
In researching these bills I have discovered that these collections were sent to you by XXXX XXXX XXXX XXXX, XXXX a billing company for XXXX XXXX XXXX, an in-network XXXX XXXX XXXX XXXX. Despite a date of service XX/XX/XXXX XXXX XXXX failed to bill my insurance until after this account was assigned to your agency despite being given the correct billing information many months earlier.
It appears that shortly after this account was sent to your company XXXX XXXX finally billed my insurer and was sent payment. On XX/XX/XXXX, XXXX, my health insurance company sent XXXX XXXX full payment for all services rendered under all three bills. Under the contract XXXX has with XXXX XXXX XXXX XXXX he has agreed to accept a discounted amount from members of the network, he was paid that rate in compliance with the contract however your company is attempting to collect the difference between the contracted amount and the amount billed. Your company clearly is aware of these payments because you reflect the updated balance on my credit report, this demonstrates your companies complicity in attempting to collect a debt you are not entitled to.
XXXX XXXX and XXXX XXXX have been paid all amounts legally due them under the in-network contract he signed, neither your company nor any other party is entitled to collect any further amount. There is no basis for this collection action whatsoever. I demand you cease all efforts to collect and remove all derogatory information from my credit report immediately. Failing to do so will result in a complaint being filed with the Consumer Protection Financial Bureau.
I have enclosed the explanation of benefits forms providing evidence that these bills have in fact been paid, had XXXX XXXX and XXXX XXXX properly billed the insurer they would have been paid within 30 days of the services being rendered like every other party that provided service during this admission.
Any correspondence regarding this matter must be done in writing.
Sincerely, XXXX XXXX
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| 12/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Transworld has repeatedly violated the law for continuing to report monthly this alleged debt when they are NOT the original creditor. Transworld Systems hasnt been able to provide any proof that they are they original creditor and I have not validated the debt as The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
This company is in violation of my consumer rights. According to 15USC 1692g Transworld Systems has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
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| 08/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
Subject : Follow up information regarding Treasure Offset Program ( TOP ) Reference number : XXXX I had filed a complaint in regards to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and a third party collection agency Transworld Systems , Inc.
I filed my complaint on the following basis.
1. Did XXXX sent me a letter in regards to Treasury Offset ( TOP ) 2. Transworld never advised per letter that they will collect on debt 3. Transworld added further fees to benefit themselves at my expense.
4. Any attempt to contact XXXX to re solve this matter was not accomplished.
XXXX refused to assist on resolving my concerns with the excuse by customer service that I was fully aware of a debt.
5. Attempt to communicate with Transworld was with excuses to collect and I spoke to a supervisor that refuse to assist in resolving the matter any further. I was treated unfairly and with disrespect.
Soon after I filed my complaint with the FTC consumer complaint ( XX/XX/XXXX ) the following occurred.
Consumer Financial Protection Bureau, provided me copies of Transworld debt collection ( itemized ) they continue by saying of Federal laws protecting my rights but my rights were not protected why I tried to resolve this matter before my complaints. Secondly, all documents received by CFPB and attached to me on the resolution could not be read. Why CFPB did not notice this matter.
XXXX, then proceeded to send me documents of the same attachment. XXXX sent statements and a letter in small font ( required magnifying glass to read ) and if I had concerns of my right to communicate this with XXXX, again prior to my complaint, I called XXXX trying to resolve this matter and they continue to say you know you had a debt! Why call if they will not listen to me and try to get this matter without a third party collection.
The problem, I read per XXXX letter provided by Transworld XX/XX/XXXX XXXX : if you do not pay your debt or take other actions described below within 60 days from the date of this Letter. ( XXXX XX/XX/XXXX ) 60 days from XX/XX/XXXX is the first week of XX/XX/XXXX. The agreement has been violated and the law broken. Both XXXX and Transworld has conspired to insure my Federal Tax Refund is taken away regardless of the agreement set forth in XXXX letters.
My Federal Tax refund dated for XX/XX/XXXX of {$540.00} was taken away from me.
I am aware of the TOP law since I work for an agency that handles this type of collection. We advise of the 60 day rule and collection will not be prior to the 60 days.
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| 01/15/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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Over the past 3 years I have experienced life changing events that have caused me to have difficulty to make my student loan payments in a timely manor. I have been through a very costly divorce and custody battle with my ex-husband after 10 years of marriage. I had contacted XXXX the servicer of my XXXX XXXX XXXX loans on multiple occasions requesting help with my student loan payments. There were no options available to me other than to pay the payments set. In XX/XX/XXXX I was unable to make the payments. The accounts serviced by XXXX for XXXX XXXX XXXX defaulted after 120 days of non-payment. I was able to locate that my loans were in default status with a collections company called XXXX, XXXX XXXX XXXX. In XX/XX/ I made a {$2300.00} payment to XXXX XXXX XXXX over the 5 loan origination 's to bring them current. I requested a reasonable payment plan and for my loans to come out of default status if I brought them current on the past due payments. I had brought the past due amounts current in XX/XX/XXXXand I was willing to resume payments. The collections agency XXXX XXXX XXXX on behalf of XXXX XXXX XXXX refused to work with me. They continue to threaten me that the entire balance due of {$36000.00} is due immediately. They threaten me with wage garnishment and that these loans will stay on my credit report until the full amount is paid. I have paid XXXX XXXX XXXX for almost 9 years. The payments have been consistent. This company is being unfair, unrealistic and abusive. It is not practical for me to come up with {$36000.00} when I have been struggling to make my minimum monthly payments. I have investigated that many companies will bring an account out of default and negative credit reporting when the account is brought current. This company is refusing. They threaten to ruin my life and my financial stability for many years to come. Even though I have made an evident effort to reconcile my debts. When I called XXXX & XXXX the first week in XXXX to make a payment. The representative refused my payment and told me to just mail it in. This makes it appear as if my payments were even more sparse. I know they are able to accept payments by phone because they took my payment of {$2300.00} by phone. I assume since the payment was much smaller in scale. It was not worth the representatives time. I am absolutely disgusted. I have been a good payer of my debt to this company for 9 years. Now my life and my children 's life will be ruined for ten plus years because they refuse to work with me.
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| 06/28/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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I have a Health Professions Student Loan ( HPSL ) with XXXX XXXXXXXX XXXX ( UAS ) as the loan servicer.
I work as a XXXX provider at a XXXX XXXX XXXX XXXX serving low-income and underserved populations. When the COVID-19 pandemic disrupted and halted XXXX XXXX I along with many colleagues were forced to reduce our hours and consequently income. According to the Department of Health and Human Services ( HHS ) and the CARES Act, which was initially passed on XX/XX/XXXX and has now been extended until XX/XX/XXXX, monthly payments and interests for federally associated student loans, including HPSL, are suspended.
During the permissible time period, my HPSL servicer XXXX XXXXXXXX XXXX failed to comply with the provisions under the CARES Act. UAS continued to charge monthly payments. Furthermore, they continued to assess interests on a monthly basis as well as various fees ( please see attached statements of the most recent four months from XX/XX/XXXX to XX/XX/XXXX as examples XXXX. The largest fee {$8300.00} is incurred as a result of the collections agency XXXX XXXX.
The most egregious action is that XXXX sent my HPSL to the collections agency XXXX XXXX in XX/XX/XXXX. I did not receive any communication from XXXX prior to this action being taken. In fact, I was only made aware that this had happened when the collections agency called me on XX/XX/XXXX to ask for payment. XXXX XXXX requested payment of the loan amount of {$37000.00} XXXX including fees and interest ) to be paid in full by XX/XX/XXXX. Understandably, this is not feasible financially.
As a result of XXXX 's non-compliance with the CARES Act, I have suffered mental and emotional stress of the negative impact of this financial damage. The interests and fees my loan incurred during this time period are substantial, making my new total balance ( {$37000.00} ) almost equal to the original loan balance ( {$40000.00} ). I feel like I have to repay this loan all over again and will not be able to make any progress in my financial situation.
I do not deny the loan and intend to fulfill my obligation to pay it. However, I am simply requesting UAS and XXXX XXXX to remedy the situation by : 1 ) retroactively removing all charges, including all interests and fees, incurred since XX/XX/XXXX as provided by the CARES Act 2 ) taking my loan out of the collections agency and into standard repayment status afforded by the CARES Act 3 ) ceasing any and all activities that may damage my credit score, including reporting to credit bureaus
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| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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This is for a Perkins student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of 40 points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.
|
| 09/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Dear Consumer Financial Protection Bureau, I am writing to formally complain about the continuous harassment by Transworld in relation to a debt that I have repeatedly explained is the result of identity theft involving my Fanduel account. Despite providing written documentation from XXXX, confirming that the debt was incurred as a result of a data breach and identity theft, Transworld persists in their efforts to collect this erroneous debt.
Here are the details of the situation : Account Information : Creditor Name : Transworld Account Number : XXXX Debt Description : Debt Collection for a Third Party Explanation from XXXX : On XX/XX/2023, I discovered unauthorized transactions on my Fanduel account, which raised concerns about potential identity theft.
I promptly contacted XXXX and reported the suspicious activity.
XXXX initiated an investigation and confirmed that the debt in question was indeed the result of a data breach and identity theft involving my account.
They provided me with written documentation, including an explanation of the breach and their commitment to resolving the issue.
Continuous Harassment by Transworld : Despite providing Transworld with documented evidence from XXXX explaining the origin of the debt, Transworld has continued to harass me through phone calls, letters, and other collection efforts.
I have informed Transworld on multiple occasions that the debt is not valid, but they persist in their attempts to collect.
Impact on My Well-being : The constant harassment by Transworld is causing significant distress and negatively affecting my financial and emotional well-being.
I have attached copies of all relevant correspondence with XXXX, including their written confirmation of the identity theft and data breach. Furthermore, I have maintained a record of the continuous harassment by Transworld, including dates and details of their collection attempts.
I kindly request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate actions to cease Transworld 's unwarranted collection efforts. Additionally, I request that Transworld be held accountable for their actions and any violations of consumer protection laws.
I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will work to ensure a swift resolution.
Please do not hesitate to contact me if you require any further information or documentation to address this issue effectively.
Sincerely, XXXX XXXX
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| 02/13/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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I knew I fell behind on payments with XXXX XXXX XXXX ( XXXX ) and was having a hard time paying my monthly bill. In XXXX I spoke with someone at XXXX and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to XXXX. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with XXXX and asked if they could get my account out of default because I made a good faith payment. XXXX said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with XXXX. XXXX said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted XXXX again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and XXXX said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. OnXX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to XXXX. When I got back on the XXXX website my account once again said I owed {$0.00}. When I called XXXX and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from XXXX. I started getting phone calls from a collection agency in late XXXX Trans World Incorporated stating I owed the balance due on my loan ( {$51000.00} ). When I once again called XXXX they said my loan defaulted and that they no longer have the loan and that I would have to contact Trans World Incorporated.
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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On XX/XX/XXXX, I went to the XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. in XXXX XXXX. The nurse on duty thought I was a XXXX patient and forced me to go to the emergency department which was a misleading and wrong judgment.
I went to the XXXX XXXX and the doctor on duty in the XXXX Department wants to XXXX for XXXX XXXX on my back to prove their Wrong Assumption. I denied because both my wife and I were educated in XXXX XXXX when we were young.
I pointed to the Doctor that my body XXXX and XXXX XXXX numbers are both normal, the chance that I have XXXX is very low. I dont want have the side effects of XXXX XXXX operation. He agreed and dropped that procedure.
According to the last XXXX who checked and talked with me before I was discharged from the Emergency Room, my problem was caused by XXXX in my XXXX XXXX, and it is XXXX.
I stayed there for less than 24 hours and refused to be transferred to the normal patients room for extra stays. There are no medicine were used and no IV for liquid or medicine.
I dont know how the hospital could bill the insurance company for {$55000.00}. ( Both the insurance company and I asked for the medical reports for all of the listed test/examination. Besides a few basic one, none of the listed charges have provide us evidence/reports. ) I have contacted TransWorld Sys Inc/XXXX for more than 3 times ( a collection company who purchased my data from XXXX and want me to pay the {$460.00} denied by my insurance company ) and Disputed with XXXX and provided evidence to support my requirements.
I have dig into my medical records in the past two months and collected all evidence to prove that I am not responsible for the {$460.00} Transworld try to collect on behalf of XXXX XXXX XXXX XXXX ( Part of XXXX XXXX XXXX XXXX ).
Attached please find the copies provided by XXXX XXXX XXXX XXXX. ( Patient Name : XXXX XXXX XXXX, Subscriber ID : XXXX, Claim Number XXXX. The claim was received on XXXX and processed in 30 day ( s ). Patient Responsibility : {$100.00}. Amount XXXX XXXX Paid : {$9500.00}. Network savings : {$46000.00}, Amount Billed by Provider : {$55000.00}. Please see all of the columns that under Patient Responsibility : Besides the {$100.00} Co-payment I have already paid, the rest of my payments are all XXXX.
I have maintained a very good credit history in my life and wont let this ruin my credit score.
Please go through the attached documents and help me to resolve this issue.
Thank you very much!
XXXX XXXX XXXX
|
| 03/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir/Mam.
I have noticed a Fraudulent utility account on two of my credit Burues XXXX and XXXX. This account is coming from XXXX XXXX, which later I found out that they sold this Debt to a collection agency called Transworld Systems Inc. I have Filed a police report with local and federal law enforcement, including the FTC. US. District attorney 's office, I also mailed these Police reports over to all three national credit Burues. I recently received a letter in the mail from XXXX that stated even with a police report and my FTC report that I have submitted as Fraudulent activity to them on my report, they stated they will not remove this item even if I have a police report. The company and collection agency are in clear violation of my rights. I also called Transworld Systems Inc. And all they did was over talk me and kept saying " so how would you like to pay this Debt '' the agent did not care if I was calling about a fraud claim and according to the law I have rights regarding disputing fraudulent activity. Unfortunately I was never able to get my concerns heard all they cared about was money that I Do not owe. In this situation I also recorded the phone call and date and time of call with the agent, if later I need it for evidence.
In closing I have submitted federal FTC Documents to all three bureaus along with a police report, in addition I also had an issue with this copay a while back for the same item I am now redisputing yet again, it was removed from my report from XXXX XXXX after I filed a claim, in fact I do have older credit reports showing that this item has been deleted, then it was sold to Transworld Systems Inc. And it is back on my reports again. So thus time I called the police and filed paper work so I will stop being harassed and having this fraudulent account on my reports. After I reported this item to the credit Burues with police reports, then I immediately received a letter in the mail for payment on the account which is in Dispute, clearly another violation of the law was broken because Disputed accounts can't be asked to be paid while their in Dispute.
My rights are being violated as a consumer, and I did as I was told to do and that was to file a police report and I also filed an FTC report claiming the fraudulent account.
In closing I'm reporting both XXXX and Transworld Systems Inc. These companies clearly did not follow the law. Next I'm going to report this to the US attorneys office fraud and protection department.
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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|
My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was XXXX reports by Transworld for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, XXXX, and XXXX ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the XXXX Transworld reports ; however, XXXX is still waiting for Transworld to respond and XXXX closed the dispute, stating that they verified that the accounts are mine. XXXX has no intention of removing the Tranworld accounts that do not belong to me and XXXX may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why Transworld is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was XXXX day away from closing on. Currently, there is absolutely no way that XXXX could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but XXXX and XXXX do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.
|
| 03/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
Complete TSI Is a 3rd party debt collector I did not give permission for this company to have any of my information I was not given any information from XXXX bridge and tolls To opt out of giving a 3rd party my information This 3rd party is trying to collect more than the debt is originally And I did not find any contract or give them any permission for them to have my information I do not know these people I never signed any contract with these people and they're violating my rights as a consummer I spoke to one of their debt collectors Would she told me that they have a right to do so I asked him to show me the law that says they have a right to do so he could not and I did let him know that I was gon na report him to the CFPB and FTC Fraud because I did not give them any information so they should not have ahold of anything for me Fraud An identity theft I also let them know that the debt is already paid According to Established in 1933 under H.J.R. 192 and exercised So how can you try to collect something from me when it's already paid for and then you have my information without my consent Please forward this information over tooXXXX XXXX XXXX XXXX.
XXXX XXXX DC XXXX To : DEPARTMENT OF TREASURY INTERNAL REVENUE SERVICE XXXX XXXX.
XXXX, TX XXXX To : Consumer Response Center Federal Trade Commision XXXX, DC XXXX Thank you, To collect on the debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.
( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. So The law is very clear
|
| 06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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HI Transworld Systems Inc ( TSI ) ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/XXXX For the last several months I have received a daily recorded phone call from a company called XXXX XXXX XXXX XXXX XXXX. The message states this is XXXX XXXX XXXX and you need to call XXXX and reference ID number XXXX. Ive ignored it over and over and over knowing that I had no debt to be collected and assuming it was a scam. Finally after being woke myself on a day off and having the grandchildren woke up when visiting I decided to call it back and see if I could get it stopped. On XX/XX/XXXX I called them back. They refused to let me talk to a XXXX XXXX XXXX and XXXX insisted she could take care of the matter. I gave the ID number and they were looking for somebody named XXXX. I informed them there was not and have never been anybody named XXXX at this number and to please stop calling. They told me they would remove our number. Again this morning they called leaving the same recorded message more than 24 hours after I ask them to remove our number. I called them back and got a gentleman that I couldnt understand and again ask for XXXX and was told that he doesnt talk to people. He only leaves messages but they would let me talk to a supervisor. I got somebody that told me her name was XXXX XXXX. She told me that she would remove our number and it would take 24 hours ( same story I got more than 24 hours ago ) and that if they called again I could call XXXX. I informed her I was filing a complaint against them because I had already ask them to remove my number and told her I was turning them in as a scam company since they had nobody there named XXXX XXXX XXXX. She tells me they do have that person but he only leaves messages. To repeat and be clear the message we get it recorded and not a personal message. She then just talked over me telling me a scripted message about them removing the number in 24 hours when it has already been more than 24 hours since I ask them to remove my number.
They call from one of 3 numbers : XXXX XXXX XXXX The follow is the dates and times I have that they have called dating back to XX/XX/XXXX. Unfortunately I had deleted anything further back than that.
XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I looked them up online and it appears their mailing info would be as follows.
Transworld Systems XXXX XXXX XXXX XXXX XXXX, DE XXXX
|
| 04/15/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In Mid-XX/XX/2019, I received a letter from Transworld system Inc, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that Transworld was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through XXXX XXXX was going to be terminated or how XXXX XXXX was going to be notified of this settlement result.
When I called Transworld Systems Inc for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through Transworld Systems Inc, and no one else. When I called XXXX XXXX, they insisted I needed to pay XXXX XXXX.
I called both XXXX XXXX and Transworld Systems Inc multiple times, and verified that that all of my private loan that was being serviced through XXXX XXXX wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both XXXX XXXX and Transworld Systems Inc are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXXXXXX XXXX XXXX without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for Transworld Systems after multiple transfer of calls. Neither XXXX XXXX nor Transworld Systems is willing to look into my situation. Both XXXX XXXX and Transworld Systems are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments.
I have since learned that neither XXXX XXXX nor Transworld Systems Inc has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for.
XXXX XXXX XXXX XXXX seems to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I ask CFPB to look into this matter for me. Thank you so much!
- XXXX XXXX
|
| 08/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XX/XX/XXXX, I requested contact information and an address for the persons/department at University Accounting Services ( UAS ) so they could receive my XXXX XXXX XXXX XXXX Payment Request ( Payment Request ). An XXXX XXXX XXXX can be used to pay off federal student loans and I have a XXXX Loan with UAS. UAS is not registered with the XXXX XXXX XXXX XXXX and UAS needs to fill out a voucher to receive payments from my XXXX award. During this call I asked for an email after the phone call to confirm they are looking into the problem. I received no email confirmation.
On XX/XX/XXXX, I called again to find out that this request was never looked into. I restated my initial request above and asked for a call back from a supervisor, as well as an email, confirming they are looking into my problem. I received no call back and no email.
On XX/XX/XXXX, I called to follow up. I was able to speak to a Team Lead, who provided me with the standard address, generic email address and the general phone line. She admitted she wasn't sure what department would handle this request. During this call, I also requested my late fee be removed since I have been troubleshooting this payment request since XX/XX/XXXX. The Team Lead stated they would submit a request to remove the late fee with a XXXX.
Later on XX/XX/XXXX, I called XXXX and they suggested I get a direct contact and email address from UAS. This would ensure that my Payment Request could be delivered to the correct address and potentially have the voucher filled out quicker to avoid additional late fees and interest. Later that day I called UAS back, an agent answered and told me they could not provide any phone numbers or email addresses for other departments because UAS keeps that internal. I then requested to speak to the Team Lead and the Agent stated that this request would need to be sent to a supervisor, requests take 10-14 business days, and that I can't submit another request because the Team Lead submitted one for me already.
Since XX/XX/XXXX, I have been the only party to initiate correspondence about my XXXX XXXX XXXX XXXX Payment Request. I feel that there is too much " red tape '' at UAS which is causing my problem to go unanswered and unresolved. UAS has not handled my request in a timely or effective manner, causing more interest and late fees to add up on my account. My next payment is due at the end of the month and I am not confident they are taking steps to help me pay off my loan.
|
| 04/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).
I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt.
I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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My family and I had been going to a dentist for several years, always paying the balance of what our insurance did n't. On our last visit, our child had a XXXX put in. I live almost an hour away and was told that it was really precautionary measure to avoid XXXX and she would not charge because of it being so small. Well, it came out 2 weeks later, and also this dentist had been constantly XXXX which caused me to XXXX and cause XXXX. Finally, I became accustomed to it. I decided to find another dentist for our family because the XXXX would come out after a year and she would recharge us to fix them. The new dentist office called our old dentist to get our records and they were told that they did n't know us. Finally, they sent them. I started getting text bills and ugly phone calls saying we owed {$130.00}, at this time, we had n't received a paper bill, just text messages started coming, and are being harassed by collection agency They are stating that we owe {$130.00} XXXX on XXXX/XXXX/XXXX. The phone calls are coming after XXXX. I wrote a check for {$27.00} for XXXX that day which I was told was all I owed. Now I see we were charged XXXX. The collection agency said tonight that we owe XXXX.
I took my dentist bills out and when I look at our insurance acct, it states I should only owe {$61.00} and it was filed so much later than the cleaning and it all happened on the same day yet no bill. I did n't know what to do and I did not want to pay the {$130.00} because two weeks later, filling had come out. I notified our insurance company and they stated they had received a bill for this filling in the amount of {$170.00}. They paid {$47.00} and our dental plan gave us a {$66.00} discount for being in network. We did owe {$61.00} since she decided to charge for this XXXX work which she did n't let me know about until she turned me over to collection. Insurance paid on XXXX/XXXX/XXXX and they cashed XXXX/XXXX/XXXX, remember this all took place on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I took a check to this dentist. She said she would stop the calls, well today is XXXX/XXXX/XXXX, husband still getting calls on his job. Bill is paid. What do I do?
All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.
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| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I sent information to XXXX, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to XXXX extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic.
In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed.
In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement.
The insurance company is XXXX and the collection agency is TransWorld System Inc.
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| 07/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely.
I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely.
It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me.
I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account.
I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication.
I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.
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| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or about XX/XX/22 I received a notice from XXXX XXXX that there was a collection notice on my credit report ( this was shortly after my XXXX check was declined when I attempted to purchase my XXXX XXXX XXXX, I have a XXXX XXXX in XXXX states, so i was already working with the XXXX XXXX XXXX XXXX XXXX XXXX ). I immediately pulled my credit report to find that there indeed was a collection 's notice from Transworld Systems Inc. I disputed it and received on XX/XX/22 a letter from them indicating that I owed {$550.00} to their client XXXX XXXX for utility services under my name at " XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I contacted XXXX and advised them that i had never lived at this address and the debt was not mine. They were very unprofessional and argumentative. I asked what I could send to them to prove this. They agreed that if I sent them a utility bill for where I live for the month in question that would suffice and provided me an email address. I sent them my XXXX XXXX XXXX for the month prior, in question, and following, and requested a response in XXXX days. In the meantime, I reviewed my credit report further with a XXXX XXXX XXXX XXXX had reported to the FTC the year prior fraudulent XXXX claims in my name and had not heard anything since then. I discovered that this XXXX address appeared on my credit report as did an inaccurate social security number of XXXX ( mine is XXXX ). I wrote to the credit agencies and copied the XXXX on these letters as well to advise of the continued inaccuracies. Today XX/XX/22, I contacted TSI to request a status on my previous contact and the documents I provided. I was told " we verified this is your bill, you need to pay it, stop trying to avoid your responsibility ''. I told them they'd hear from my lawyer and then hung up. I suppose since they are based out of this country they do not care... I took it upon myself to contact XXXX XXXX directly. I spoke with XXXX who opened a case for me # XXXX and asked me to email all of my documentation including utility bills to XXXX. Following this I received a call from XXXX who also advised that I needed to submit with this paperwork a copy of a police report and my report to the FTC. I have visited my local XXXX and it will take a couple days to receive that report and I am now filing yet another claim of identity fraud with you. I'd like to know at what point I as the consumer can feel protected. And yes my credit has been locked.
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| 05/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEM INC # XXXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( TRANSWORLD SYSTEM INC ) and XXXX METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.
|
| 05/06/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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I went to XXXX at XXXX University and I applied with a private loan to XXXX for XXXX to pay for school expenses. This was in XXXX I have never once received any documents from XXXX or any other company stating that my loans were being sold to anyone else. I graduated from XXXX University in XXXX, and started XXXX XXXX in XXXX in all this time I still had not heard anything I 'm thinking that my loans are with XXXX XXXX and XXXX only. So in XXXX I was served with some papers at my Mom 's old house that I had n't stayed at in years. So I ended up getting a court date in XXXX XXXX with a Law firm by the name of XXXX I have never heard of them. Stated that they were representing XXXX XXXX XXXX XXXX XXXX I still have no clue who these people are. So I went to court in XXXX Ga and I explained I wanted to see paperwork because at the time I had no clue who was the lender and the judge told them to provide me with proper documentation. They never did I filed chapter XXXX bankrupt in XXXX of XXXX and I 'm full aware that student loans can not be discharged in BK and that 's not what I wanted. So in XXXX of XXXX my mother was XXXX and I had not worked from XXXX XXXX XXXX of XXXX with no pay. I get my third paycheck of the year and saw a Writ of Garnishment on it I was so confused. So I filed a adverse with the courts and had to go to court in XXXX XXXX Ga today and the attorney office that was represented was the same which is XXXX which again they did n't seem to care and which I understand. The attorney that showed up today showed me which loan it was for which was XXXX in the amount of {$5000.00} which now they are claiming I 'm owing almost {$10000.00}. I just checked my paycheck voucher and they have taken XXXX so far from these pass few pay checks my last pay check on the XXXX was for {$570.00} I can no longer live like this I 'm going to be homeless soon and these people do not care. I told the attorney I will pay them {$200.00} a month but almost {$600.00} is ridiculous so what do I tell XXXX-My car company-insurance-rent and other utility companies? XXXX XXXX do not pay me nothing but {$29000.00} a year I 'm barely making it. So I 'm filing an complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX- If I 'm evicted what do I suppose to do nothing live on the streets of XXXX. This is suppose to be America education is preached and taught, but when we have to go through things like this you lose all hope as a citizen who pay their taxes.
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| 05/20/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Beginning on XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The XXXX XXXX XXXX XXXX XXXX also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the XXXX they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from Transworld Systems Inc. ( TSI ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that TSI did not coincide with the statements that XXXX XXXX XXXX XXXX XXXX had been sending. On XX/XX/XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to XXXX XXXX XXXX XXXX XXXX through the Treasury Offset program. However, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX and TSI has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with TSI to update them that the account has been paid. On XX/XX/XXXX, TSI sent a letter making false claims that the amount owed has not been paid off. TSI has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid.
The XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to update this account and TSI that it has been paid off by the method of Treasury Offset program. The XXXXXXXX XXXX XXXX XXXX XXXX has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along TSI. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the XXXX has contracted TSI to continue sending letters.
|
| 03/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was XXXX with my XXXX child in XXXX. She was born in XX/XX/XXXX. I was on XXXX then because I was not working. I had been on XXXX since my son was born the year before that. I was a patient at XXXX in XXXX. I was always seen for appointments here, and never was questioned about my Medical coverage because of what they already had on file. Never did I have to pay a co-pay of any sort. Toward the end of the XXXX in XXXX I had to do the renewal paperwork for the upcoming year. I turned in everything, and was always told I was missing some sort of paper. I would get that in and something else would be missing. I was worried that coming up the birth would be affected by this and I knew it would be expensive. So I did everything I could and complied with whatever was required of me. I even tried to hand carry in the documents in the office in XXXX but they told me I could not do that, and I would have to mail them. I just didnt want them to get lost. So I would mail them from outside their office. They had informed me that they would back pay the payments 3 months from the submission of my application while it awaited approval in XXXX. Come the birth, we stayed days and they nurse told us XXXX had only covered 3 days, therefore I was covered again. I recently applied for a mortgage loan and was ready to close in the next few weeks. A new collection from XXXX had popped up and dropped my score significantly. I immediately called XXXX and asked what I could do to get this removed because of the situation that I was in. I had told the lady that I thought this whole Insurance thing was behind me. I had already spoken with XXXX and XXXX about paying the past bills because they would retro pay the time I was still getting in documents that they kept losing. XXXX had me call XXXX to ask if I could pay them and have them remove the account from my credit report. The Manager there told me she was unable to do that because once it leaves their office it is out of their hands. I told XXXX this and they said it was false, they will only let the Credit Bureau know my account is paid off, but will not delete. Only the Hospital can do that. So I went back and forth getting nowhere. All I wanted to do was pay off the entire debt and get it cleared. I had told them I was willing to pay it in full right there but nobody would help me get it removed from the report. This entire thing was a mix-up and is now so old, I have no documentation for it.
|
| 04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I originally wrote Transworld systems ( TSI ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX and XXXX in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the Transworld collections off my report. TSI put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent Transworld Systems copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time.
Based on the aforementioned, Trasnworld system should remove the collections from my report. I even I called Transworld systems numerous times and they keep giving me the runaround and told me to call the XXXX XXXX. Transworld systems is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. Transworld is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX XXXX and XXXX, but XXXX was the only one who removed the collections. XXXX and XXXX will not take it off because transworld will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX.
I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at Transworld system they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.
|
| 12/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XXXX went to the emergency room at XXXX XXXX ( XXXX XXXX NJ ) after 2 weeks with symptoms of XXXX XXXX ( I never had a fever but found out later that other symptoms were updated to include unable to taste and issues with breathing ) upon arriving i was giving a oxygen mask in the waiting room. I was told there was no hospital beds. They took blood, i was given a XXXX pump ( which i out grown about 35 years ago before high school ( so the pump DID NOT WORK ) I was giving a paper ( FLYER ) to go take a XXXX test at a drive up testing site located on route XXXX in XXXX XXXX nj. I was told there was nothing else the hospital can do and was sent home but told if symptoms got worst in which i was unable to speak full sentences to come back to the emergency room. That night i sat in a parked car outside the hospital in case i got worst.
A week later after my symptoms subsided i took a XXXX test.
Not only until i started building my credit score by obtaining credit cards and staying on top of my credit did i notice a sharp drop. ( Maybe a victim of CREDIT PARKING ) Upon reviewing ( Credit Report ) the issues i notice ( Reason for drop is a company called XXXX XXXX XXXX XXXX listed as the creditor sending my MEDICAL information to a collection company called XXXX XXXX XXXX / XXXX who post im in debt for {$55000.00}. XXXX shows is was opened on XX/XX/2020 Ironically i did receive a statement dated XXXX from XXXX XXXX XXXX care in which i now see a details of my emergency room visit. the the company website has them as permanently closed. And at no time have i heard anything from the collection company called XXXX, only info is from my credit report in which is the only reason i know of these charges..
On XX/XX/2020 i called the XXXX to XXXX XXXX from the statement i got dated XXXX the person stated i went to the hospital on XXXX for XXXX or XXXX and that my items was sent to collections??
I work in an institution in which i work around around dozens and dozens of co-workers, As XXXX workers we all have physical contact with a countless number of people.. We are told if you dont feel well, stay home and get checked out. I did that XXXX was new at the time in which everyone in the beginning was looking for fevers, only when i saw other symptoms in which i had but other gotten worst but ive always wore a mask.
These tactics will only discourage sick people from going to get check only to worry more of hospital bills
|
| 09/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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Hello, I filed a complaint with your organization XX/XX/XXXX complaint number XXXX about Transworld Systems Inc. they responded back on XX/XX/XXXX. If you will take a look at my complaint and their response you will see that again they are not addressing my issue. My issue is two bills one for the amount of {$430.00} and the other for the amount of {$590.00}. In their response to my complaint they sent a list of which they stated they have a bill for {$590.00} three times. They also stated that I could contact the hospitals in question, which I had before filing the previous complaint and which I did once I received their response. I took this information to the hospitals in question and again they could not locate these bills with the information provided. As I stated in my previous complaint I think there was only one bill that they have constantly duplicated. The bill for {$590.00} was on my credit report owed for the XXXX as well as XXXX. I now notice the bill for XXXX has been removed. I also have documents where the bills were added in XXXX and then removed. I contact Transworld sytems on XX/XX/XXXX XXXX @ XXXX and spoke with a representative who stated his name was XXXX . I explained to him why I was calling and he immediately switched me to a supervise who stated his name XXXX. Again I explained to XXXX why I was calling told him no one seems to have this bill except his company and could I get a copy of the bill so that I could get it handle. I've requested this from his company before filing my original complaint but never received it I also stated in my original complaint that receiving this information could probably bring this matter to a close. XXXX put me on hold and upon his return he wanted to discuss a bill he claim he had for {$620.00} which I have no knowledge of but I told him to send me a copy of that bill as well. He also stayed he had a bill {$590.00} from XXXX again, here we go another year. I stated fine send that as well. In closing he lead me to believe that he was only requesting a copy of the bill for {$620.00} which was quite irritating to me and a waste of his and my time since for some reason his company refuse to produce the requested copies. I have never gotten a bill or collection notice for either of these bill which I stated in my original complaint. I know I have other avenues available to me but I'm again hoping your organization can bring me closure. Again I thank you in advance.
|
| 05/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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This is actually XXXX things simultaneously ( harassment and debt already paid ) Nationwide Credit Inc has continued to call me and harass me about a current and paid as agreed XXXX XXXX Account, that is OWNED BY XXXX.
Nationwide Credit has called me 14X after I stated do not call me.
Nationwide Credit is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with XXXX.
Nationwide Credit today, called me about my XXXX XXXX account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}.
I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!!
Here are the details : NCI Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, NCI continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me.
XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well.
XXXX XXXX is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at XXXX XXXX. This is not an external collection, but their internal account services team I have been told.
I have also never received ANY communication regarding my debt through NCI. They just started calling me one day.
I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.
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| 08/24/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A letter was received from XXXX XXXX XXXX, debt collector acct no XXXX, for a XXXX XXXX XXXX XXXX account no. XXXX. This account has since closed satisfactorily upon home sale on or about XX/XX/XXXX. All balances paid as a matter of title transfer and assumptions. This debt collector, whether aware or not of the untimeliness and actions occuring between letter issue and present, submitted correspondence to my current address alleging an outstanding balance owed from this account since XX/XX/XXXX. The correspondence dated XX/XX/XXXX. What is extraordinary is : Since that time, I've been using XXXX XXXX XXXX XXXX as my provider in both subsequent residences occupied under lease terms without issue, notice, or identification of any balance due. Furthermore, I have been offered continuing services from XXXX XXXX with XXXX deposit, and granted a letter of impeccable credit by XXXX upon purchasing my current home. Notwithstanding, this debt collector proceeds. My new residence is serviced by XXXX rather than XXXX, and rates for XXXX were much higher. So I no longer use XXXX.
Nevertheless, I took impeccable care of my account services throughout, and did not hold the account for the period in question, stated as XX/XX/XXXX. The switchback was granted XXXX. Furthermore, the account was closed satisfactorily and a subsequent opened in XXXX. My suspicion is that the third party agency is acting in bad faith on antiquated information. It is further a poor practice to pursue debt collection without the original utility company making any good faith efforts to communicate such an account was ever erroneously passed to XXXX XXXX XXXX, the debt collector. Both parties failures to communicate promptly and accurately led to this severely delayed and inaccurate attempt to collect some amount not owed.
This is costing time, efforts, and generating undue burden at a time when many, self and family included, can least afford it. I hereby give my first, last, and only notice to XXXX and Transworld Systems Inc that they have made an error. I identified the error. If their claim had formerly any factual basis, I assert acord and satisfaction by continuing XXXX Accounts, contributory negligence by same reason, and latches as primary rationale to defend any alleged justification. cessation of communication regarding this alleged debt in perpetuity. Further bad faith pursuit suggests latches considering timeliness.
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| 01/24/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX/XXXX/XXXX, I received a telephone call on my personal cell from a debt collector identified as Transworld System Collection Agency in reference to an allege debt I had with my health insurance company. When I attempted to gather additional information about the alleged debt, they refused to provide any further details claiming that it was the only information they had. I managed to gather some additional info from the insurance co, and the amount of the alleged debt which was {$440.00} according to them. I also obtained info on the alleged day the transaction took place which was on XXXX/XXXX/XXXX but could not gather any further info as to the provider and the type of service I allegedly received. The person that contacted me was interested in the collection per se and not in providing me details to resolve any misunderstanding. In addition, he recited to me verbatim my full social security number after I confirmed my last XXXX, my full name, DOB, and other personal information which they should not have obtained legally. My complaint relies on the fact that I was able to pursue information from the alleged health insurance company in XXXX XXXX, XXXX. The transaction they claimed I owe ca n't be possible since according to the health insurance co, I deactivated my insurance on that same day due to a relocation. The insurance co, verified their records which yielded negative as to any pending charges or attempt to collect a debt. The insurance co, ( XXXX ) took notes n my concerns and asked me to send a formal write up to be placed on the record. XXXX is a scam. I vehemently, stated to them that I would proceed no further with the conversation until I obtained further information based on my consumer rights. The person on the phone was very persistent and utilized intimidating l am a federal employee and a victim of identity theft when XXXX records were stolen in XXXX. As a result, my personal information has been all over the internet and used by unauthorized websites without my knowledge or consent. I have evidence of such instances as well. I request prove of the alleged pending debt and validation that I made it. The fact that they had my whole personal information does not states the transaction was made by me and is valid. The account number they provided to me for this matter is XXXX and their phone # is XXXX. The number they called me from showed is registered to XXXX, Florida.
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| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My Name is XXXX XXXX and I am writing this letter in response to a wrongful debt collection received as of XX/XX/XXXX.
The Debt in question has the following information : - PATIENT ACCOUNT # - XXXX - LETTER DATE - XX/XX/XXXX - AMOUNT DEBT - {$950.00} - REFERENCE - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - TRANSWORLD SYSTEMS INC I am filing this complain in regards to the charge issued by this XXXX for an XXXX that was conducted without my previous consent. I strongly dispute this charge and would like to provide further information about the circumstances surrounding this matter.
On XX/XX/XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, for a XXXX XXXX. During this XXXX, I was explicitly informed by the staff about the XXXX XXXX and the procedure to move forward with the test which included ( as per the consent signed on that day ) : 1 - The XXXX would reach out to inform the cost of the exam.
XXXX - Upon receiving that information, I would then need to approve the test by providing the XXXX a written approval and consent for the XXXX to be performed.
The consent signed on that day had a clause that reads : A separate consent indicating an estimate of your potential cost share will be provided for your acknowledgement. Both consents must be signed to proceed with the testing.
After a couple days, I received a call from the XXXX in which the representative affirmed that they were not sure how much the test would cost me saying it could be anywhere from {$50.00} to {$950.00}. Based on that extremely inaccurate information, I DID NOT give them the approval to proceed though the phone not to mention in written.
Despite my clear instructions, the staff proceeded to conduct the XXXX XXXX without my consent or authorization. As a result of this breach of trust, I not only feel violated but also deeply disrespected. My privacy and autonomy were not respected, and the rules established on the clause were not followed accordingly.
I have called the XXXX multiple times, spoken with a representative named XXXX. I've already sent a letter to them requesting the bill to be cancelled, and they ended up sending the amount to the above mentioned debt collector.
I hope that this matter can be resolved in a timely and satisfactory manner.
I appreciate your attention to this issue and look forward to hearing back from you as soon as possible.
Sincerely, XXXX XXXX
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| 08/01/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. TSI/XXXX XXXX, $ XXXX-XX/XX/2021, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/2021, 3. XXXX XXXX $ XXXX-XX/XX/2021.
I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money.
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX , XXXX , and XXXX collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.
For Example on XXXX Credit Borough I have clicked DISPUTE button and its brought me to : hXXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.
1. The reason is it has to be removed from XXXX, XXXX and XXXX that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.
2. XXXX, XXXX and XXXX must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
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| 04/03/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The insurance company XXXX ( XXXX XXXX XXXX , XXXX ) advised that the claim was filed and they requested numerous times from the hospital additional information that they did not receive to process the claim. The Hospital ( XXXX XXXX ) states that the insurance company needed a medical release form for any pre-existing medical condition from me and that was holding up the processing of the claim. The insurance company was provided a medical release from me when I purchased the insurance policy to review any pre-existing conditions and they never requested from me an additional medical release so that information is untrue. The hospital turned the debt over to Transworld Systems Inc., who has never contacted me only reported it my credit report the incorrect dates for services and amounts and I have contacted them several times about this and they advised that XXXX XXXX has confirmed that they have the correct dates and amounts which is untrue. When I contacted XXXX XXXX they gave me different dates and amounts which I have recorded. Additionally, in one of my most recent telephone conferences with XXXX XXXX I was advised by a billing supervisor that they claim was not filed correctly and that this account would be wrote off their books. The hospital also filed the claim with XXXX XXXX and XXXX XXXX insurance companies neither of which I had medical insurance with. The dates I was in admitted for observation are XX/XX/XXXX and XX/XX/XXXX. The billing statement sent to me from XXXX just a couple weeks ago shows billing charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which are incorrect. The collection agency has the amount of XXXX to be collected on my credit report and the hospital is stating that I owe XXXX that include charges for dates that I was not even in the hospital and the year as XX/XX/XXXX not XX/XX/XXXX. I have tried several times to get this matter corrected and neither the hospital, the insurance company nor the collection agency are willing to help. I advised them that I would be filing complaints with the Missouri Attorney General 's office, the FTC and the XXXX XXXX XXXX. The billing supervisor at the hospital advised me that I should also file a complaint with the state health medical insurance agency also and laughed. This is almost 6 years old and I am tired of fighting with the hospital, insurance company and collection agency. They know what they are doing is wrong.
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| 06/14/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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This is a duplicate complaint from XXXX. However, I made a separate complaint that was erroneously combined with Transworld. Within a few hours, TransWorld responded. However, my issues were separate on the same matter. Transworld did not answer my questions either but I wanted them kept separate so that younomics would respond. I need a response from Younomics. Hence I am resubmitting the complaint as this derailed that process : Have attempted to contact younomics regarding details on my loan and potential involvement in privacy violations. After the CFPB [ Case number : XXXX ]. I was informed that my loans were subject to a security interest at XXXX XXXX. This was not apart of the original documents. The loans holders had changed a number of times. Due to privacy violations etc I was experiencing not sure if this had something to do with it. As it was not interest on a loan and there could very well be security issues. Either way, I believe they were being used by others to facilitate privacy violations. Upon following up with Younomics. They had no information from this complaint, while it was listed that younomics is the company complained against XXXX XXXX XXXX handled the complaint. What I found disconcerting is that Younomics had zero information. They could not answer my questions about anything. They could not produce any documents and could not produce any info. Furthermore, they would not answer questions about who their management team or ownership structure was ( including historically ). While XXXX XXXX was a surprise, that could be either a interest on a loan or a security interest that means there is underlying security issues which would fit my own concerns. I do n't know. When my questions are n't being answered, that 's a problem. I made a complaint regarding XXXX XXXX to XXXX. However, with younomics. They ultimately contacted university accounting service who then put my account in do not contact status. The issue is, I believe these things are being used by others in an adverse way or have been. I ca n't gain any details on the company. It 's not clear who owns them, who manages them and what laws prohibit them providing me this info. Furthermore, it 's not clear how my information being handled as they had access to none of it. I made a complaint concurrently to the NY Department of financial institutions but I do n't know if they did anything? It 's number is XXXX
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| 07/12/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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The loan servicer was contacted multiple times ( by phone and by email ) regarding how loan payments are applied. My son and I are co-borrowers on his student loan. On XX/XX/2019 at XXXX XXXX, I spoke with an employee at University Accounting Service , LLC . ( UAS ), requesting that any additional payment above the monthly due amount on the account be applied to principle. Upon requesting a confirmation number, the UAS employee told me that no confirmation number is generated for this type of request. The latest statement that we received regarding this account indicated that the XXXX payment, posted on XX/XX/2019, was all applied to interest. UAS was asked to correct the XXXX transaction and ensure future payments are applied correctly. Upon receiving a statement dated XX/XX/2019, I realized that payments were not applied correctly and contacted UAS again. Their reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service.
Until the rest of the remaining balance of the interest is paid off, then the rest of the payments that you make, will be applied to the principal amount. As far as requesting that you make the loan a principal payment only loan, you would have to call in and request that to be done.
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST.
Sincerely, Borrower Relations University Accounting Service , LLC .
So I contacted them yet again, requesting that this matter be corrected. Their second reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service.
As of today you have {$1000.00} of capitalized interest that has accrued on this account. Due to this being a line of credit and not a loan, there is no way to make a payment that applies directly toward the principle without satisfying the outstanding interest that has capitalized into the balance. That interest is now apart of your total balance and that total balance is now what the daily interest is accruing on and what has to be paid.
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST.
Sincerely, Borrower Relations University Accounting Service , LLC .
As of today, this matter is still not resolved as UAS is refusing to correctly apply payment made above the payment due amount.
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| 12/07/2021 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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UAS connect loan service took a payment out of my account on XX/XX/XXXX in the amount of {$1100.00}. As soon as I realized, I called them on XX/XX/XXXX to see what was going on. They wouldnt immediately tell me over the phone why they took that amount from my account, and they kept telling me that they would send me an email in a few days explaining what happened. I had to get seriously upset for them to look into the issue and tell me what was going on with my account. I also got notice long ago that this loan was going to be transferred and included with my other student loans with the Department of Education, and I did notice an increase to my balance with the Department of Education, which is one of the reasons why I was so confused.
The phone resulted in the man telling me that UAS took one of their last automatic payments of $ XXXX in XXXX. Then for no known reason the payments stopped. And I thought it was because the loan transferred over to be combined with the department of education. The next payment they took out was {$40.00} in XXXX of XXXX. Finally in XXXX they took out {$1100.00}. I was told that the {$1100.00} was taken out because it was the amount due on the account which is what the automatic payments are set up to do. I was also told that my XXXX loan with XXXX is a private loan and that they werent under the same federal rules of loans being paused because of the corona virus. I was also told that yes, this loan is supposed to be transferred over with my Department of Education Loans, but the transfer is still pending. My question is, if that is the case, why did they stop taking the automatic payments out in the first place?
I never received a single email or notice that I had anything past due on this account. I also never received notice that they would be taking that much money out of my account at once. I have filed for reimbursement over the phone with them but havent received promise that they will pay me my money back. I also called my bank and asked them to stop the payment on the account. I imagine if this happened to me that it is happening to other people, and it is extremely unfair. I dont know how I am going to pay my rent if I dont get that money back. Its also almost XXXX, and now how am I going to afford gifts for my family? I would really appreciate any help I can get with dealing with such unfair treatment. It truly feels like they robbed me.
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| 10/29/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American, Servicemember |
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I made an XXXX appointment with the XXXX XXXX XXXX in XXXX on XX/XX/XXXX, and XXXX XXXX XXXX refused to do the ear cleaning and referred me to an XXXX, although it was not urgent, and she should have been able to XXXX. I did not go to the XXXX, as I knew it would be more expensive, and so I used up XXXX sets ( XXXX ) of the remaining XXXX sets of XXXX that I had left over that I had purchased in XX/XX/XXXX. The XXXX sets cost about {$100.00} and are no longer available. XXXX failed to tell me in advance that I would be charged if she refused to do the ear cleaning. She did not give me a bill and failed to tell me that I would be charged when she refused to do the ear cleaning that I specifically made the appointment for. I later received a bill dated XX/XX/XXXX, for {$76.00}, after Medicare paid the first {$12.00}. As there was no way to call XXXX, I called the XXXX customer service, and I was told that a supervisor would call me, but no one did call. After I received the 2nd bill, I called again, and they had no record of my having called the first time, and again I was told that a supervisor would call me, but no one did. After I received the 3rd bill, I went in to talk to XXXX and her coworker, and she seemed to agree that I should not have to pay, but she could not reverse the bill, so she emailed her supervisor who was supposed to call me but did not. Several weeks later, I received a letter from XXXX XXXX XXXX from the XXXX XXXX XXXX office in Rhode Island. As she does not take calls after XXXX California time, and I do not get up that early, I left XXXX phone messages for her requesting an email address so that I could explain in writing why I do not owe XXXX anything, but she never responded.So on XX/XX/XXXX, I mailed her a XXXX page written letter. The next day, I received a bill from XXXX 's collection agency, Transworld Systems Inc. in XXXX, PA. I called the same day and left a message explaining that I do not owe XXXX anything, and now they have sent a second bill. On XXXX XXXX, XXXX XXXX illegally called me at XXXX and left a phone message. I left a phone message for her that she needs to stop billing me for the fraudulent charge. Medicare defines Insurance Fraud as " One form of insurance fraud is when a provider bills medicare for services you never got ''. As a result of my bad experience with XXXX, I will never use a XXXX XXXX XXXX, and I will never shop at XXXX again.
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| 06/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Message I sent them XX/XX/2019 : There is still an issue with my account having a *XX/XX/2019 - 30-Day-Late* mark being reported to the credit bureau every month and negatively affecting my credit. I was a XXXX XXXX XXXX during that time period and should have been in deferment. I sent your company documentation proving that I was a XXXX XXXX XXXX at that time and you put me in deferment as of XX/XX/2019, but DID NOT remove the negative mark from XXXX in your system. I have called 5 times over the past few months trying to resolve this issue and every representative has told me they " put a note on my account '' or will contact an " account specialist '' to resolve the issue and email me confirmation when the issue has been resolved. The issue is still not resolved and no one has ever sent me a follow up confirmation email. As of XX/XX/2019 XXXX XXXX informed me that your company is continuing to report this misinformation. I am very unhappy with the way your company is handling this situation and how long it is taking me to get this issue resolved.
On XX/XX/2019, at XXXX XXXX, UASconnect wrote : Dear ..., Thank you for contacting University Accounting Service .
We apologize for the inconvenience in your part. As we check there is a benefit applied on the time that it was reported negatively. We already reported it to the credit agency to be removed but then it still exist. Kindly file for a consumer dispute or have the credit agency call us together with you on the line so that we can resolve the past due notice in your account verbally.
*There are several other emails where they can not look up my account or can not figure out how to resolve this issue and just say to call. When I call they say they will fix the problem but never do.
I have made several calls to XXXX XXXX initially the late mark was removed by them in XXXX but then reappeared two weeks later once UAS sent their monthly report. XXXX XXXX said there is nothing they can do to permanently remove this late mark because UAS 's system will continue to report the mistake monthly until they fix it internally. This issue has been going on for four months and is negatively affecting my credit score. UAS is claiming they have tried to resolve the issue but it does not reflect in my credit score. I have never had a problem with a loan servicer, this company is ruing my credit and I am not sure what to do at this point.
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| 06/12/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected.
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
I also request to see a certified copy of any contract or agreement between you and XXXX University that gave you the right to collect this debt
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| 11/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a severe and ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Transworld Systems. Despite providing a police report, FTC affidavit, and proof of residency during the alleged creation of the account, Transworld Systems continues to attempt collection on an account resulting from identity theft. On my last CFPB transworld completely ignores the documentation I provided such as my FTC affidavit, police report, ID, proof of residency during the alleged account was created and still requested the same documentation in their repost to my complaint # XXXX. Its obvious transworld system does not care about the law and only cares about harassing people and violating their rights. They did not validate the debt all theyve done was provided a bill which is not enough in accordance to the law.
This is a clear infringement of the following FCRA provisions : 1. **Section 1681s-2 ( b ) - Accuracy and Integrity of Information** : Transworld Systems has failed to ensure the accuracy and integrity of the data by persisting in collecting on a debt resulting from identity theft, despite documented evidence proving the illegitimacy of the account.
2. **Section 1681b - Permissible Purposes of Consumer Reports** : The debt collector has not adequately validated the debt, even in the face of official documentation, including a police report, an FTC affidavit , and proof of residency during the creation of the alleged account.
3. **Section 1681c - Requirements Relating to Information Furnished by CRA to Consumers** : Transworld Systems has continued to report inaccurate information, ignoring the evidence provided and perpetuating the harm to my credit report.
Immediate Action Required : I demand that Transworld Systems cease all attempts to collect on this identity theft account immediately. Furthermore, I insist on the immediate and irrevocable removal of all information related to this debt from my credit report within 15 days from the receipt of this letter. Failure to comply may result in legal action, as Transworld Systems can be fined under the FCRA for willfully reporting inaccurate information to my credit report.
I expect swift action to rectify this ongoing violation of my rights.
Thank you for your urgent attention to this matter.
Sincerely, XXXX XXXX
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| 09/19/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INC.
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to Experian, Equifax and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 05/20/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld Systems , Inc, for committing identity theft. I have never given Transworld Systems , Inc, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems , Inc any right to collect on this alleged debt.
I have never received any documentation requesting validation from Transworld Systems , Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems , Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems, Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 02/14/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hi. I have a student loan ( XXXX ) that was recently transferred from XXXX to XXXX XXXX XXXX last year.
I send my payments to them through XXXX Bill Pay ( electronic transfer ). I pay {$70.00} a month. On XX/XX/XXXX I received my paper statement in the mail that said I had not made a XXXX payment. I immediately contacted the company, as in fact, I had made the payment on XX/XX/XXXX through XXXX Bill Pay. After several calls and being bounced around by multiple people who claimed there was nothing they could do if it was not showing on my account ( and a representative who hung up on me ), I finally spoke with someone who said they could submit a ticket to accounting for review. I told them to place my account on hold while they investigated so I would not have to make payments in the interim. As you can imagine, I did not want to send money to a company who lost my money. At this time I also emailed them the Proof of Payment from my bank. I am attaching the proof of payment and complete email string of this communication.
After not hearing back from the company, I called to follow up on XX/XX/XXXX. They told me there was no update and it was still under review. I again stated that I wanted everything noted on my file and that I did not want to be sent to collections/credit bureaus for a payment I had made. I then repeated that the understanding I have is that I will not be making payments until this is resolved. I also asked them to verify that the collection paper letter I had received was not meaning I was being sent to collections/credit bureaus. The woman told me they were unable to stop the paper letter, but I had nothing to worry about with credit bureaus/collections.
On XX/XX/XXXX I was alerted that there was activity on my credit report by a monitoring service I have. I saw that it was from XXXX. I sent them an email immediately. They responded that it was still in review ( on attached email ).
Today, XX/XX/XXXX I contacted them and XXXX again to find out what I can do about this. I need help. I made my payment on time. I made a subsequent payment of XXXX amounts due today because I can't keep holding on sending them payments and ruining my credit. This is unacceptable. I need help. I desperately need you to help me so this company does not mismanage my money and then destroy my credit that I've worked so hard to get. Please. Please. Please.
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This was an attempt to collect a debt ( Creditor : XXXX XXXX XXXX XXXX ; Balance Due : {$51.00} ).
Next, I sent a letter to Transworld Systems , Inc. dated XX/XX/2021 in request of additional information pertaining to this attempt to collect a debt.
Next, a letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This provided additional information on the materials obtained from the creditor. This included a XXXX XXXX XXXX invoice with three charges totaling {$45.00}. I never received any information from XXXX about any part of this invoice prior to this point.
The first charge is for a package supposedly sent by me with a charge of {$10.00}. Again, this is the first time I received any information regarding this order.
The second charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$18.00} is an act of fraud.
The third charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$16.00} is an act of fraud.
On XX/XX/2021, a phone call was made to XXXX at XXXX at XXXX XXXX to inquire about the charges pertaining to this invoice. The first representative to answer the call filed a fraud report. Then, the call was forwarded to XXXX ( no last name provided ) in XXXX XXXX. XXXX stated that even though I was the shipper of the first charge, the invoice was an error and I was not responsible for any of the charges of the invoice. XXXX also said that Transworld Systems , Inc. would stop attempting to collect debt from me.
It should be noted that I have always fully paid the cost and any associated fees of any shipment at the counter for any shipment by XXXX and any other shipping companies. This is fully consistent with what XXXX reported.
XXXX also stated that this issue has occurred to other individuals. This suggests that it is possible that Transworld Systems , Inc. has collected money from other individuals that was not owed.
|
| 11/08/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I took out two small ( private ) loans through my University directly to make up the difference in a couple of emergency situations. The lending company is called XXXX. Over the past six months, I have attempted twice to send them the lengthy amount of paperwork they requested for me to ask for deferment on my loans due to financial hardship. Both times, I received no notice of them receiving my forms, so I called them again after receiving multiple letters threatening to send me to collections. I was told that my mail did not make it to them and I would have to send it to them another time. They do not accept these documents in any other form besides snail mail. So, as they asked, I sent the documents a second time. I still received letters threatening to send me to collections for past due amounts. Over a month after I sent the forms for the second time, I called them and demanded to know what was going on. This is after they called me multiple times on an " automated dialer '' to tell me that my account is past due and that I will be sent to collections, and that I had been reported to federal credit institutions for my intentional delinquency. They told me that for the SECOND TIME, they did not receive my request for deferment. What I also learned is that they illegally gave my father, who is not on the account and has no relationship to the loan, information that he was not meant to have access to, and allowed him to put his phone number as a contact for my account. They claim they have no record of speaking to him, but there is no other way his phone number would be put on my account. I was told that my case was being forwarded to an account specialist. Even after my case was supposedly forwarded, I kept receiving the harassing phone calls, and each time, I told them that they had already broken the law by giving an unauthorized person my account information, and were breaking the law with harassing letters and phone calls despite all my efforts to right the situation. Through no fault of my own, this company is seeking to destroy my credit and destroy my life. I was recently diagnosed with XXXX and am having a XXXX. I may very well be XXXX. This callous, unethical and illegally performing lender should be shut down, if not at least fined into oblivion for what they have done to me and to other students who have fallen on hard times after graduating.
|
| 10/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Earlier this year ( XX/XX/XXXX ), I checked my credit and noticed that there was medical bills on my report from XXXX in XXXX XXXX. I have since moved out of that state to XXXX. The medical bills that were reported to my credit report should have been taken care of by XXXX XXXX XXXX. I checked with them and they said they paid what was given to them but the doctors billed me separately. I had no idea they could do that so I was never aware that these bills had been generated. I have called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) numerous times with no help whatsoever. I have asked them for more information such as what the bills were exactly for and how the doctors can bill me separately. They offered no information and all they kept repeating was that I had to call the collection agency. I called the collection agency which told me all they can do is take payment on the debt, nothing more nothing less. I returned calling XXXX XXXX XXXX XXXX XXXX XXXX and they still would n't give me anymore information about the debt. All they do is keep giving me the collection agency 's number and then will hang up on me. I have repeatedly asked to speak to a manager or supervisor at which point they say no one is available, put me on hold forever or hang up on me. This has happened numerous times and when I leave a message no one returns my call. I have never spoken to a supervisor and completely get stonewalled by anyone at XXXX XXXX XXXX. This has been going on for quite some time. Last week, XXXX XXXX was the last few times I tried getting information from them again. Any answers I have are not from them but from XXXX XXXX XXXX ( XXXX ) which was kind enough to look up my account and provide what little information is available to them. XXXX has let me know that they also made payments on the disputed XXXX ER visit and have no idea how they were able to bill me separately. There are 8 different bills that XXXX XXXX XXXX has sent to collections regarding this XXXX/XXXX/XXXX XXXX ER visit. 1 ) {$830.00} 2 ) {$300.00} 3 ) {$300.00} 4 ) {$180.00} 5 ) {$180.00} 6 ) {$160.00} 7 ) {$160.00} 8 ) {$100.00} which totals {$2200.00}. I have no idea why some amounts are doubled and two are not. This is severely hurting my credit and I have no idea how to get this resolved since the XXXX XXXX XXXX keeps stonewalling me in the process. Thank you for your attention to this matter.
|
| 12/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a notice Transworld Systems on XX/XX/XXXX stating that they were trying to collect a debt for XXXX XXXX XXXX XXXX. I disputed the debt via US mail on XX/XX/XXXX but and called XXXX XXXX XXXX as well to verify what the actual charges were made up of and once I got clarification I went into the XXXX store on XX/XX/XXXX at XXXX where I was assisted by the Manager ( XXXX ) and made a payment in full for {$320.00} using my debit card and I was given a receipt.
On XX/XX/XXXX, XXXX added a collection for {$320.00} for XXXX XXXX XXXX to my XXXX credit report and my score dropped XXXX points. I sent a dispute letter via US certified mail to Transworld disputing this debt and informed of the damages that they did to my credit as a result of false reporting and asked for the collection to be deleted and my credit points restored but never received any communication/response from Trans World.
On XX/XX/XXXX, TransWorld added another collection for {$320.00} to my XXXX XXXX credit report and it dropped XXXX points. I called XXXX XXXX XXXX and reported the issue but was told by a male staff on the phone that I had no balance on my account and to seek resolution from Transworld.
On XX/XX/XXXX, Transworld added a collection for {$320.00} to my XXXX credit report further damaging my credit and leading to several denials for credit for both personal loans and credit card. This time I went back to the XXXX store and spoke to XXXX ( Store Manager ) directly, she called the customer service/billing department but was told there was nothing XXXX XXXX XXXX could do to resolve my issue/concerns as my account had a XXXX balance and they don't know why TransWorld would be trying to collect a debt that was already paid.
Again on XX/XX/XXXX. TransWorld again added an unpaid collection for {$320.00} for XXXX XXXX XXXX to my XXXX report and till this very day and continue to damage my credit. TRANSWORLD is so deceitful, unprofessional and have violated the fair credit reporting laws on multiple occasions and still continue to do so by falsely reporting on my credit report and trying to collect a debt that isn't owed and they need to pay restitution for damaging my credit.
I disputed this debt with the credit bureau but they keep saying that Transworld systems keeps verifying the debt as actual debt. How can that be when XXXX XXXX XXXX were paid in full on XX/XX/XXXX.
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX, I received a call from phone number ( XXXX ) XXXX, and spoke with an individual who stated that they were calling from a collections agency, Transworld Systems Incorporated, in regards to a XXXX account. However, the caller insisted that he could not tell me any further information unless I provided him with my address or social security number. After refusing to provide such information, the call ended.
Later that day, I called XXXX directly, and they stated that I allegedly owed their company money but that, because the account was in collections, I was only able to communicate with the collections agency directly regarding the alleged debt.
On XX/XX/XXXX, I called back the same number, ( XXXX ) XXXX. Again, I was told that I was speaking with a collections company and that if I wanted any further information, I needed to provide them with my address or social security number. Against my better judgment, I provided them with my social security number.
At that point, I was then told that I was speaking with XXXX XXXX from Transworld regarding account number XXXX. XXXX XXXX stated that I owed XXXX approximately {$400.00} and he was calling to collect said money. I insisted that I was not aware of such a debt and requested that he provide me with documentation of said debt. XXXX XXXX stated that the only information he had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. However, he was unable to provide me with any documents that corroborated the debt. He stated that I should call him back on XX/XX/XXXX, so he could retrieve documents from XXXX.
On XX/XX/XXXX, I again called Transworld and spoke with XXXX XXXX. He repeated that his company could not provide me with any documents regarding the debt and, interestingly, that his company was no longer willing to accept money from me because they could neither confirm nor deny that I owed XXXX money. He again stated that the only information that Transworld had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. I recorded this phone call.
On XX/XX/XXXX, I received a call from Transworld stating that they no longer had my account from XXXX and would seize their collections efforts.
I never received any documents of any kind from Transworld regarding the alleged debt.
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that XXXX was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left 2 voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay for XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..
|
| 11/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to dispute the inaccurate data being reported on my credit report, referencing account number XXXX by XXXX XXXX XXXX
How it should report / Why it's inaccurate : I am disputing the below collections on my credit report, because I have verified with XXXX XXXX XXXX and with XXXX XXXX XXXX XXXX that these bills were never billed to my insurance company, XXXX XXXX XXXX XXXX within the timely filing window. I am not liable for this debt, and these accounts need to be removed from my credit report because they are being falsely and accurately reported as my liabilities to pay.
$ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Supporting documents have been enclosed, which is a snapshot of my bill from XXXX XXXX XXXX, account # XXXX which show that my {$1700.00}, {$100.00}, {$79.00}, AND {$66.00} charges were not billed to my insurance company.
Additional info : I called XXXX XXXX XXXX XXXX on XX/XX/18 at XXXX, and verified with representative named XXXX via XXXX that XXXX XXXX XXXX is an in network provider and did not bill XXXX XXXX XXXX XXXX for this claim, until XX/XX/18 which is outside the timely filing window.
XX/XX/18 : Spoke with XXXX from XXXX XXXX XXXX XXXX, at XXXX XXXX via XXXX and confirmed that they declined the claim since it was filed outside of the timely filing window. Sent me via email my EOB which shows I am not liable for this debt. I also received a copy of the claim that was submitted late by XXXX XXXX XXXX which was denied because they filed my claim outside the timely filing window.
I attempted to follow up with XXXX XXXX XXXX and was told that despite the above info, in order to remove the debt from collections, I would have to pay the debt, according to XXXX with XXXX XXXX XXXX. See below correspondence : " From : Billing Questions XXXX To : " XXXX '' XXXX Date : XX/XX/2018 XXXX XXXX PST Subject : RE : Request from XXXX Account # XXXX Dear Sir/Maam, Our office has received the attached email concerning your account inquiry. To have the account removed from collections, the charges must be paid first. Please reply to this email or contact our office at XXXX ( XXXX ) XXXX with any further questions or concerns. Thank you for your attention in this matter.
Sincerely, XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX ''
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that one was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left XXXX voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..
|
| 11/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
TRANSWORLD SYSEM/XXXX # XXXX Re : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
|
| 11/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Subject : Dispute of Transworld Systems Inc Dear Sir/Madam, I am writing to dispute the collection activities conducted by Transworld Systems Inc. regarding an alleged debt. My name is XXXX XXXX, and I would like to formally express my concerns regarding the handling of this matter.
On XX/XX/2023, I received a call from Transworld Systems Inc. for the first and, as I insist, last time. During the call, I requested that all future communication be conducted through written correspondence, specifically via mail. Despite clearly stating my preferred method of communication, Transworld Systems Inc. failed to honor my request and instead proceeded to report my information to the credit reporting agencies.
I wish to emphasize that I have not received any written notices or correspondence from Transworld Systems Inc. regarding this alleged debt. As such, I have been denied the opportunity to verify the validity of the debt, as well as the chance to address any potential errors or discrepancies.
Given the circumstances, I hereby dispute the collection activities conducted by Transworld Systems Inc. and request that you conduct a thorough investigation into this matter. I kindly ask that you provide me with the following information : 1. Detailed documentation regarding the alleged debt, including the original creditor, the account number, and the outstanding balance.
2. Verification of the accuracy and legitimacy of the debt, including proof of any contracts or agreements that demonstrate my obligation to pay.
3. Confirmation that Transworld Systems Inc. has complied with all relevant laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ), in their collection efforts.
It is imperative that the credit reporting agencies take immediate action to ensure the accuracy and fairness of the information contained in my credit report. I request that you place a temporary hold on any negative reporting related to this disputed account until a thorough investigation has been completed.
I look forward to a prompt resolution of this dispute, as well as the removal of any inaccurate or unjust information from my credit report. I trust that you will handle this matter with the utmost professionalism and integrity.
Thank you for your attention to this matter.
Yours sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
|
| 10/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection notice regarding a bill from XXXX XXXX. I had been to XXXX XXXX with concerns regarding XXXX XX/XX/XXXX ( I saw XXXX XXXX XXXX XXXX, who told me I hade a XXXX earlier this year at a different hospital ) but I had never received a bill for this visit. I believe there were XXXX visits, XX/XX/XXXX and XX/XX/XXXX, it was awhile ago and I do not remember.
The bill, from Transworld Systems Inc, claimed I had never paid my bill to XXXX XXXX, which was true, because XXXX XXXX had never sent me one. I called the FTC and asked them what I should do and they told me I should call XXXX XXXX 's billing. I did and XXXX XXXX claimed that they had the wrong address for me and that they were sending my bills to an old address. I gave them my new address. They requested I start making payments for the bill in the meantime and that they would pull the debt from the collection agency. They told me to disregard any future letters from Transworld Systems Inc . I thought I made a payment over the phone at the time but I ca n't find any evidence of this. I did start making payments online immediately. Transworld sent me one more collection notice, a couple weeks later, which I disregarded as instructed.
Although XXXX XXXX billing had told me on the phone that they would send me an itemized bill for my visits, they never did. I only ever received XXXX bill from XXXX XXXX. It was XX/XX/XXXX, for the remainder of the debt that they said I owed ( after my online payments ), and I paid that with a check. I have my bank statement as proof of this. I thought that had settled the matter. That was XX/XX/XXXX.
A couple weeks ago I received a new collection notice from Transworld Systems Inc., claiming that I owed them almost twice as much as either they or XXXX XXXX had ever said that I owed them, and it was for those same dates, XX/XX/XXXX and XX/XX/XXXX. I received a credit card statement about a week ago that said my credit rating had dipped over XXXX points.
I was under the understanding that my debt to XXXX XXXX was settled. And again I received no notice from XXXX XXXX before receiving this collection notice, even though now they have the right address to send me any correspondence.
I do not believe this debt is valid, as XXXX XXXX had previously led me to believe the matter was resolved and has made no attempt to contact me directly.
|
| 11/25/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
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Back in 2015 XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring XXXX XXXX XXXX, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It wasn't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by XXXX XXXX XXXX on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since 2015. They have taken over $30k from me unlawfully. Also, XXXX XXXX XXXX has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact XXXX XXXX XXXX several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
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| 08/03/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Keep getting calls about my loan
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Web |
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Just received information about the lawsuit filed against XXXX to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via XXXX XXXX when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. XXXX services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least XXXX times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. And now, since the lawsuit against XXXX XXXX has been taken up XXXX XXXX XXXX has since transfered it 's loan accounts, or at least mine to University XXXX XXXX, XXXX. I have been out of school since 2013 and paying back my loan since then, now having made payments to XXXX different companies and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
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| 07/03/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Medical debt was paid on XX/XX/2021. When payment was remitted to Transworld Systems also known as TSI they agreed to delete the record from my report but later refused after payment was remitted. I filed a complaint with CFPB against TSI on XX/XX/2021. On XX/XX/2021 TSI sent a letter admitting the account was paid and that theyve asked the credit bureaus to delete the account. A representative from XXXX said the debt was verified as belonging to me on XX/XX/2021 which is after TSI claims to have requested deletion of the record. I was able to ascertain that TSI had in fact not requested my record be deleted but instead transferred the account to XXXX XXXX XXXX XXXX to prevent the record from being deleted. Attached you will find the CFPB complaint response letter and also a screenshot of my credit report from XX/XX/2021 showing the debt now being reported by XXXX XXXX XXXX XXXX under the CR code XXXX. This is another blatant illegal act and a deliberate attempt to continue reporting false information. I have retained legal counsel and will move forward with litigation against all parties complicit in any, and all attempts to continue to report/collect on this fully satisfied account.
Furthermore XXXX was furnished a copy of the CFPB complaint response letter. I submitted a dispute online. I spoke with an agent named XXXX who refused to forward the dispute to TSI stating that XXXX would instead be reviewing information it had received from sources and that the TSI collection would not be removed. I advised him that he should consult with someone from XXXX legal. After being placed on hold for approximately 10 minutes XXXX informed me that the record would not be removed and legal approved his course of action. They would continue with their dispute process. This is egregious. XXXX is allowing a paid debt to be transferred to a proxy agency for purposes of continuing to violate my rights under the FCRA. If XXXX is allowed to take such drastic and illegal actions to knowingly and deliberately damage my financial well-being then the I will never be afforded the financial growth and reconciliation Ive worked for nearly 4 years to achieve. Every day this continues my business is incurring irrevocable financial damage. If immediate action is not taken to correct this fraudulent attempt to ruin my credit I will seek civil damages.
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| 01/20/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Note : The selections for my type of complaint were not exactly what has occurred so I chose the closest.
I am trying to pay off debt but can not get Transworld Systems Inc ( TSI ) to send me a current statement. TSI is the debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any statements from TSI since XX/XX/XXXX. I received a letter from the US Department of the Treasury ( dtd XX/XX/XXXX ) indicating my tax refund ( {$420.00} ) was applied to my debt.
I contacted TSI ( XXXX ) XXXX by phone 4 times in XX/XX/XXXX : 1 ) XX/XX/XXXX/XX/XX/XXXX - I did not document date and person I spoke. I requested a statement be sent to me. I believed they would send me a statement so I could payoff the debt. A statement was not sent to me.
2 ) XX/XX/XXXX, XXXX XXXX PST. Spoke with XXXX. I told XXXX that I had previously called requesting a statement be sent to me. She was able to see in their system that I had previously called. She indicated that statements had been sent to me and she didn't know why I had not received them.
She said another statement would be sent to me. A statement was not sent to me.
3 ) XX/XX/XXXX XXXX XXXX PST. Spoke with XXXX. I explained to XXXX that I had called two times before requesting a statement be sent to me. XXXX indicated that a form had to be submitted by customer service rep and that the prior reps had not submitted the form. XXXX said he would submit the form so a statement could be sent to me.
A statement was not sent to me.
4 ) XX/XX/XXXX. Spoke to XXXX. I explained to XXXX that I have called 3 times before requesting a statement and that I have not received one. I requested to speak with a supervisor but XXXX said a supervisor was not available. XXXX indicated that statements have been sent to me but asked if I had opened all the mail I receive because their statement look like junk mail. I asked if there was a way they could email me a statement or if there is a way that I can pay online and was told no. XXXX promised I would have a statement within 2 weeks. A statement was not sent to me.
I still have not received a statement. I don't understand why TSI will not send me a statement. It seems as if they want interest and penalties to accumulate and then just take additional money from my tax refund.
My intent is to resolve this debt as soon as they send me a statement.
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| 01/21/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYS INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 10/12/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS INC, for committing identity theft. I have never given TRANSWORLD SYSTEMS INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with TRANSWORLD SYSTEMS INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving TRANSWORLD SYSTEMS INC any right to collect on this alleged debt.
I have never received any documentation requesting validation from TRANSWORLD SYSTEMS INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS INC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS INC, continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS INC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX from debt collector TRANSWORLD SYSTEMS INC. The letter stated that this collection agency was representing XXXX XXXX XXXX XXXX in XXXX, TN. in collecting the deliquent sum of {$3600.00} that covered six different bills I supposedly owed XXXX XXXX XXXX XXXX. I called the billing department for XXXX XXXX and a representative named XXXX told me I owed no such amount to this facility, had no bill in collections and that XXXX specifically doesn't use TRANSWORLD for any debt collection they do file against patients for unpaid bills. I recorded the entire conversation with XXXX and XXXX in the billing department. I called TRANSWORLD at the contact number on the letter of XXXX. The account number for the false debt is listed as # XXXX. After being on hold for one hour, a TRANSWORLD representative who would not identify themself immediately asked me for my account number which I gave him and he immediately asked me how I was going to pay for the amount owed to XXXX. When I told the TRANSWORLD representative that I had talked directly to the XXXX billing department and had them recorded stating not only do I not owe the amount stated on the letter but that their billing department doesn't use TRANSWORLD for collections in any way, shape or form. The TRANSWORLD representative became belligerent with me on the phone and said the information XXXX gave me was wrong and that if I didn't pay the amount listed on the letter, the debt would be reported to all three credit bureaus and ruin my credit rating. When I asked the TRANSWORLD representative if that was a threat to force me to pay a bill I don't owe, he stated it was fact and TRANSWORLD would do it. I immediately stated I would contact all three credit bureaus about this Fradulent bill plus contact my personal attorney. The TRANSWORLD representative stated he could care less what I did and either pay the bill or have my credit ruined by their company. I demanded a supervisor and the TRANSWORLD representative stated that he wasn't wasting a supervisor 's time on a debt that was owed by me. The representative immediately hung up on me when I asked for a supervisor a second time. Please assist me in stopping this collection agency from ruining my credit with a bogus medical bill that doesn't belong to me and I don't owe to XXXX.
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| 07/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I purchased furniture for my daughter and grandson from the XXXX, AL location on XX/XX/XXXX. The store messed up the order THREE times and I had to receive a different ( less expensive bed. ) I finally received the correct shipment/merchandise and was told for my trouble they were reimbursing for the delivery fees. However, I never received a credit for the delivery fees and the invoices were never adjusted to reflect the merchandise that I received. I called repeatedly to customer service, went to the store twice and finally filed a dispute with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store disputed the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to dispute these new charges and was told I had to contact the store. I called customer service first who told me it was between me and the store so I went to the store a third time because I could not believe that the store could put additional charges on my store credit card without my authorization. I could not believe that it was so easy for them to pull my account and add charges and force me to pay for their error. On XXXX when I visited the store, I finally got resolution. I met with " XXXX '' who printed my invoices and saw where I was overcharged and never issued a refund for the delivery charges. He issued a credit of {$200.00} and {$59.00} to my Mastercard and {$110.00} to my XXXX store credit card. Reference Credit Memos XXXX and XXXX on XX/XX/XXXX. The disputed amounts on my Mastercard were reversed and the merchant received the {$360.00} and {$160.00}. NOW I received a collection notice dated XXXX ( three months after this has been resolved ) which was sent to the delivery address ( not my address ) for {$160.00}. I have attempted to call the number on the notice which is the corporate telephone number XXXX. Five phone calls and all I get is a recording. So here I am AGAIN with XXXX harassing and adding charges and strong-arming the customer to pay for services NOT rendered. And who will be punished? ME and my excellent credit rating. This is absurd that a company as big as XXXX operates in the manner and this needs to be looked into because there are others - just read XXXX Reviews.
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| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was out of state XX/XX/XXXX-XX/XX/XXXX, just returned on XX/XX/XXXX and noticed debt collection notice from debt collector TRANSWORLD SYSTEMS INC that I owe {$55.00} to Creditor XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. Debt collector claims on notice that " they have not received a response from me regarding my past due account. Previous attempts by our office requesting that my account be resolved have been unsuccessful. '' I have concerns on this notice.
a. I have received no email/phone/mail communication either from XXXX or from Debt collector, so this is statement is FALSE that they could not get any response from me.
I called XXXX but they kind of bypass my this question, when I asked for proof that they ever contacted me.
b. Notice is incomplete. It just has an invoice number and thats all. It does not have any proof of attachment for additional details or invoice copy.
c. Debt collector does not have complete info on what this debt is and claiming that I left something with XXXX in month of XX/XX/XXXX I don't recall of using XXXX in month of XX/XX/XXXX. I used XXXX in month of XX/XX/XXXXto ship my passports for XXXX consulate.
Debt collector has no further information on it. I asked for copy of invoice that they are going to send over within 30 days ( hopefully soon ). Once I receive I will be able to understand what this amount is for? I don't recall.
d. I called XXXX today at XXXX PST at XXXX and asked for further details. They claim that I mail something to myself in month of XX/XX/XXXX. I am sender and receiver of package both. This makes no sense to me. I don't use XXXX at all unless it is for documents sending to someone else. Why would I do that. XXXX has opened XXXX claim : XXXX today and hope to receive their reply in 1-2 business days.
I am extremely upset by approach that XXXX used and/or their debt collector used and falsely claimed. Notice came off as threat to me demanding debt $ amount for which debt collector has no supporting claims/documents/calls/emails/mail proofs and is incomplete and falsely claimed that I was contacted. I am so on top of my payments always and check my mails twice a week to make sure I not miss any payments/dues etc. This is surprising, frustrating, adds anxiety, stress, disrupts people 's lives, not ethical and above all not correct way of doing business.
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| 01/09/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This letter is regarding a false debt that I have repeatedly tried to resolve with the company, XXXX XXXX XXXX XXXX XXXX. I ended up having to file a fraud report against the company with XXXX, Report # XXXX. I believe this false billing is in retaliation for reporting them.
In XX/XX/2018, I received a bill, in the amount of XXXX, from XXXX XXXX XXXX XXXX XXXX showing a total billed amount of XXXX for date of service XX/XX/18. Please see front and back of statement dated XX/XX/2018.
XX/XX/2018 XXXX Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX Insurance Contractual Adjustment of XXXX Reverse XX/XX/2018 XXXX Payment XXXX Total insurance payments made are in the amount of XXXX, leaving a XXXX co-pay, which my secondary insurance needed to pick up. So, provided my secondary insurance information.
Then in XX/XX/2018, I received another bill. Please see statement dated XX/XX/2018. The big problem on this bill is now that XXXX had payment from both my insurances and somehow they are trying to bill me XXXX. This bill shows the following total amount billed XXXX.
Adjustments of XXXX XXXX Insurance Payment XXXX XXXX Insurance Payment XXXX The total payments and credits come to XXXX, showing this account was not only PAID IN FULL, but that it was over paid by XXXX. Yet, somehow, they come up with this XXXX number saying it is due. How can they not see their own accounting problem?
After multiple attempts to try to get XXXX to acknowledge the problem I finally called my insurance company who also confirmed that according to their records I was only responsible for XXXX and that if the other insurance over paid then we would not have any balance due.
By XXXX own accounting, the bill was XXXX, they received XXXX in credits and adjustments. So how can XXXX make up a number and send me multiple bills and ignore all my attempts to resolve this, unless it is intentional?
In summary, I owed XXXX co-pay showed on statement dated XX/XX/18. Then I provided my secondary insurance information to XXXX to cover my co-pay. XXXX then received an additional XXXX from my second insurance which ultimately over paid the account and yet XXXX somehow says the account is still owed XXXX. The accounting on their own bill does not add up.
Sincerely, XXXX XXXX XXXX
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| 03/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 04/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Re : Erroneously Classified Defaulted Perkin Student Loans I would like to report suspicious activity and/or an alleged scam on behalf of XXXX College at XXXX XXXX located in XXXX XXXX Massachusetts. I am applying to graduate school and to my surprise I discovered through a FAFSA email on XX/XX/XXXX that I am ineligible for federal student aid because I have student loans in default. According to the XXXX XXXX, I have two Perkins Loans in default, as last reported on XX/XX/XXXX. Loan 1 is for the amount of {$2000.00}, disbursed on XX/XX/XXXX Loan 2 is for the amount of {$1500.00}, disbursed on XX/XX/XXXX. These loans were acquired while I attended XXXX College at XXXX XXXX at the age of XXXX.
I am questioning the practices that were employed on my behalf, when I was an underage non-traditional XXXX XXXX. I am unaware that these loans were not included in the forbearance/deferment programs my federal loans are under. To date, Ive never received any repayment communications from XXXX College at XXXX XXXX and/or their associated loan servicers. XXXX College at XXXX XXXX Financial Aid department has had consistent staff turnover, and the Financial Aid Director has changed each school year. I have never seen or signed my financial aid paperwork in-person at the schools office or been given any copies of digitally signed documents. In addition, my financial aid package fluctuated each semester, covering a different portion of my tuition and fees, with unclear processes to continue my enrollment.
I am unable to locate these loans in order to petition the default status and make subsequent appropriate repayment arrangements. These loans servicer, according to Federal Student Aid, is XXXX College at XXXX XXXX and the listed phone number to contact is XXXX Therefore, I contacted the XXXX College at XXXX XXXX Financial Aid office onXX/XX/XXXX. I was referred to XXXX XXXX to resolve my problem. I followed up with the number I was provided with. I then discovered, XXXX XXXX is no longer a company and these loans were transferred to XXXX XXXX. Next, XXXX XXXX informed me that my account has been transferred to Transworld Systems Inc. According to Transworld Systems Inc, my account is inactive. I am now in jeopardy of a wrongful lawsuit or wage garnishment from a debt collector/ loan servicer to no fault of my own.
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| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEM INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEM INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
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| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XXXX of XXXX I had an emergency XXXX ( XXXX ) and approximately XXXX XXXX XXXX XXXX.
I gave the hospital my insurance information at the time. I do not remember if I payed a copay.
A few months after the XXXX XXXX, I received a bill in the mail. I do not recall the exact date or amount. It was approximately {$1000.00}. I paid the bill online according to the instructions in the bill.
A few months after I paid the first bill, I received another bill. This bill was for {$430.00}. I was suspicious because I had already paid a bill for the medical procedure, but I paid this new bill online according to the instructions in the bill.
In XXXX of XXXX I received another bill. The bill said that my debt of {$430.00} was still unpaid. I called the XXXX at which I had the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and spoke to the billing department. They said they had no record of sending me a bill or receiving payment. Then the XXXX connected me to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A representative from XXXX XXXX said that they had no record of sending me a bill or receiving a payment from me, but the representative said that there were some debts on my account and the debts had been sent to Transworld systems for collection.
I called Transworld systems and spoke to a representative. I asked to be given a summary of all of the debts on my account and an explanation of which medical procedures those debts were for. The representative said that she would send me that information via mail.
I waited several weeks and did not receive the requested information. Then on XX/XX/XXXX I called Transworld Systems Inc. and spoke to a representative. I asked the representative to send me a summary of all of the debts on my account. The representative explicitly refused to send me this information.
This situation is unacceptable. Transworld is refusing to tell me the total amount which I owe. I think that if I pay this bill ( the one for {$430.00} again ) they will just send me another bill in a few months to see if they can get me to pay them more money.
What I am specifically reporting is : It is Transworld 's practice to disguise the total amount of a balance by sending multiple bills spaced months apart. I spoke to a Transworld representative who explicitly refused to reveal my total account balance.
|
| 09/21/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is TRANSWORLD SYSTEMS I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : TRANSWORLD SYSTEMS I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXX
LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt.
TRANSWORLD SYSTEM HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE.
XXXX XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST TRANSWORLD SYSTEM AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018
|
| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Transworld Systems is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account.
The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE!
See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near XXXX effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ).
Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
U.S. Code1692e.False or misleading representations 8 ) Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed.
This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.
|
| 08/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A few weeks ago I noticed a medical collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I was not aware that I owed this debt. I was not notified of this debt. On XX/XX/XXXX I called Transworld Systems at XXXXXXXX XXXX and spoke with XXXX. Her employee number is XXXX. I asked her, " How did TransWorld Systems verify this debt ''. She stated they mailed a letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX on XX/XX/XXXX. However, I lived at an entirely different address in a different city on that date, and I have a lease to prove it. Before that date, I lived with a family member at a different address. Before that, I was in the XXXX located in XXXX XXXX Oklahoma. I asked her, " Did you all verify this debt by email? '' She stated no. I then asked her did you all verify this debt with me over the phone, and she said no. She stated that they called the phone number they had on file multiple times but no one answered. She said someone picked up the phone on XXXX the XXXX XXXX and said they had the wrong number.
The Consumer Financial Bureau ( CFPB ) states, " Make sure the bill is yours and shows your correct name, insurance information, and billing address. '' However, I was not provided a chance to verify any of this information. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt.
The Consumer Financial Bureau ( CFPB ) states, " Debt collectors are not permitted to report a medical bill to the credit reporting companies without trying to collect the debt from you first. Debt collectors may be hoping that you will simply pay the bill without disputing it. Instead, you have the right to dispute the information. However, I never received notification of this debt prior to Transworld Systems placing this on my credit report.
I recorded the phone conversation between the representative and I for my protection. I am completely disgusted at how debt collection agencies feel as if they can do whatever they want. The companies information is as follows, TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I demand this collection be deleted from all three credit bureaus ( XXXX, XXXX, XXXX ) immediately. Failure to do so could result in legal action against Transworld Systems.
|
| 08/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was contacted on XXXX XXXX by a company called TransWorld. The phone number they contacted me from was XXXX XXXX XXXX XXXX. The man on the phone asked me about my sister, who is a minor ( I am not, I am her older brother and am XXXX years old ). I denied knowing her at first because I didn't know who these people were or what they wanted with her. They then asked if I knew her parents at least ( obviously I do because they are mine too ). At that point I said I do not consent to being recorded, at which point they ended the call.
I then called them back and asked for their company name, they said it was " TransWorld ''. I explained that I just got a call from them asking about my sister, reiterating to them that she is a minor. I asked why they were trying to contact her, they said they could only talk to a legal guardian, and strongly implied it was my mother they are really trying to get in touch with. I asked them directly if they were a debt collector, they lied and said they were not. I told them it was unacceptable for them to be calling me about my sister like this, they quickly said they would remove my number and ended the call.
I then looked up TransWorld, confirmed they are in fact a debt collector and called them one more time to confirm why they lied to me and ask why they are calling me about my sister, who again is a minor. The woman who answered this time denied any knowledge of it, I reminded her that they say at the beginning of the calls that they are recording and demanded that they stop calling me, stop harassing my family, and they are to never drag my sister into this again. She said she would remove my number, and gave me a number to call if I receive any more calls from them ( XXXX ) XXXX. She indicated it could take up to 24 hours to remove my number from their system, which I believe is unacceptable, they need to be able to remove numbers immediately.
I believe they have violated the law by attempting to deceive me by asking about my sister, who is a minor, and lying when they initially told me they were not a debt collection agency. I discussed with my mother and we believe we know what debt this may be in regards to, in which case they are further violating the law by contacting me at all when they already have my mother 's contact information.
|
| 10/14/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
Older American |
|
Hello, Currently, Transworld Collections sent a notice of SSI offset to an old address, however they had my current address, as I have received the current invoices. Because of this, they were able to convince the DOE that I did not respond, therefore DOE allowed the offset.
Previously, I hired a student loan specialist, XXXX from XXXX, in XX/XX/XXXX. We spoke with Transworld on many occasions, to no avail. Additionally, explaining that I would be retiring on XX/XX/XXXX. They were uncooperative and gave us the runaround ( the complexities of which I will not go into here ).
According to the info I have read on the DOE website, these people are suppose to work with student loans for rehab purposes. They were already receiving XXXX {$400.00}. per month and to rehab they insisted on an additional XXXX This was not affordable. I am retired now and on Social Security of $ XXXX month. Nor was it in compliance with - " The law has always said that borrowers only have to pay reasonable and affordable amounts. '' IE : New Rules for Loan Rehab-XX/XX/XXXX.
They would not budge.
A real mess that could have been avoided if they had adhered to the laws enacted by DOE. Then we sent XXXX pages of past efforts to rectify the situation to the Ombudsman 's office of DOE. No conflict of interest there ... Transworld was hired by the DOE.
Also, I explained the predicament to a representative of the DOE-Ombudsman office, XXXX, she told us to call Transworld and renegotiate? My student loan specialist and I had done so in preceding months which we explained in the cover letter to the Ombudsman 's office when we sent the pages.
At this point, I am hoping that your office will negotiate a minimal payoff or to rectify their use of false pretense to offset {$150.00} from my SSI. According to Social Security, collections agencies are entitled to 15 % of any monies from SSI over {$750.00}. per month, which would be {$39.00}. not {$150.00}.
Please help me, I am running out of options ... as all the lawyers I have contacted will not take the case, saying that it is a matter for a negotiator. If I had the money I would sue DOE and Transworld.
I have been honest and cooperative in the face of their manipulations and high-handedness ; however it is obvious that a more legal stance is necessary.
Thank you.
|
| 09/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I XXXX XXXX want to file a complaint about Nationwide Credit Inc.
We had a home equity line of credit junior lein on our home. This loan was sent to Nationwide from XXXX loan services.
I found out the account was with Nationwide after calling XXXX one night to get status on a modification application.
I contacted Nationwide and explained they have the account by mistake and can they contact XXXX. Nationwide refused to contact XXXX and they sent me this collection letter they said. I never saw this letter till XXXX produced it for me to see.
I explained to Nationwide we want to keep this home and can they work with us.
Went over with Nationwide why we defaulted on the loan due to medical bills in our family that we're large.
The representative of Nationwide tried to get me to pay a small about of the loan like {$200.00} each month. I told him I would not as the loan was {$100000.00} and {$200.00} a month would not cover the loan.
The statute of limitations had passed and he was trying to get me to pay to restart the statute. We were still current on the first lein and still asked Nationwide to contact XXXX about this as we want to keep this home. This is our family home.
Nationwide rep informed me we have nothing to do with XXXX and only collect for them. The representative told me to submit application of hardship and submit pay stubs medical bills and our monthly living expenses.This was done twice and Nationwide rejected the application stating there was equity in our home.
We could not afford to pay the lein and made a decision to sell the home as we went from perfect credit to bad and not even able to get a loan for a new car.
We sold in 2017 and last year I was informed by a friend that XXXX XXXX XXXX owned Nationwide at the time I was dealing with them. The nationwide rep was untruthful and led us to believe they had no connection with XXXX.
Nationwide and XXXX got paid when we sold the home. We fought for four years with Nationwide with no success.
There was a program in place from the federal government if your first mortgage in modified they need to modify the second this is what we were looking for so we could keep our family home.
Nationwide were deceitful.
I would like to hear what the Nationwide management has to say about this.
Respectfully, XXXX XXXX
|
| 10/24/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
About 2 months ago I applied for a Loan Indulgence which was not approved to me, the same day, the same representative who answered me by phone told me that I could apply for a Payment Arrangement and that when it was approved all the late payments that already I had accumulated, that they were like 2, they would disappear. I was waiting, 15 days, I had no answer and I called them, supposedly the application was pending. They spent almost 2 months, which I have been calling every 10 days to know about the application and they always told me that it was pending. It turns out that today XX/XX/2018, almost 2 months later a representative tells me that the payment arrangement had not been approved because " I ALREADY HAD NO BENEFITS '', that is, why did not the first person tell me???? It turns out that I ask to speak with a MANAGER and I explain everything again, in the end it tells me that my PAYMENT ARRANGEMENT application had not been approved because I had not put in the form how much I was willing to pay!!!!!!! How is it possible!!! That is, if I lack information in the document, what is fair and professional is that THEY call me and inform me!!!!! NOOOOOO, I kept accumulating late payments, they were reporting to my credit and finally they sent the account to a collection agency.
I want to make a retroactive work in my account, to listen to ALL MY CALLS MADE IN THE LAST 2 MONTHS, to see that I have not stopped communicating with them trying to find a XXXX solution to that account. After they explained to me that my benefits were exhausted, they invited me to apply for a Payment Arrangement in which I had to fill out a form and send it. Apparently 2 months later, I discovered by one of the managers, that my application for a Payment Arrangement was not approved, BECAUSE I DID NOT PAY THE AMOUNT OF MONEY THAT I WAS WILLING TO PAY EACH MONTH! It is my responsibility to fill out the form correctly, but it is also the responsibility of this company to inform its customers when there is an error like this. I was never informed that my application was incomplete, I was never informed that my application was denied, after 2 months and after my account was sent to collection, after requesting to speak with a Manager, I learned all this. It is a lack of professionalism on your part.
|
| 09/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 09/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 01/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
|
| 08/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX called me in XXXX to collect a debt for the doc that XXXX my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The XXXX that administered my XXXX was paid everybody except XXXX was paid for the XXXX XXXX and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX for the XXXX of my son I then contacted my XXXX/XXXX ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked XXXX when and who sold my debt to them. XXXX gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called XXXX back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at XXXX and cancelled my payment arrangement with XXXX and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to XXXX and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop XXXX from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. XXXX calls me 10 times a day.
|
| 08/22/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
Some time on or around XX/XX/XXXX-XX/XX/XXXX ( I don't know the exact date ) I attempted to call Transworld Systems who was put in charge of collecting a credit card debt for a XXXX XXXX XXXX that I had obtained back in XXXX. The card was originally under a chapter XXXX bankruptcy which had gotten dismissed. So this reopened the debt I owed along with almost {$5000.00} world of intrested to the card limit which was only about $ XXXX {$3400.00}. When I originally called, I'd call to settle the debt for the amount of the card that was used which was around the amount of {$3400.00}. With the job that I have, this amount was manageable for me to get paid in a considerable time. Transworld came back with counter offer with almost {$5500.00} in which they told me I'd have to pay in a month. I agreed to this because they would not offer me any else and made me feel like I had no other choice but to pay this amount. I was able to make a payment of {$500.00} on XXXX XX/XX/XXXX, but was told that I only had a few days to come up with the rest. I told them that this would be impossible for me to do, but they insisted that I figure it out. I'd call and ask for an extension, they would not extend this un reasonable amount for more that 65 days. I don't even get paid {$5500.00} in a month and I have a household to maintain. The last representative who I spoke with whose name was not willing to work with me or come down on the settlement even as I left messages and pleaded with her to work with my situation. I also explained that I was trying to buy a home for my family, but she did not seem to care about anything regarding my goals She also exclaimed that I would not be eligible for another settlement offer for another 6 months if I didn't pay the remaining balance of the settlement and they I was not allowed to put in for a settlement around tax season so that I would not have an opportunity to pay the account of using any tax refunds which is terrible. I would like to negotiate a better settlement that would allow me to pay the amount that I used on the card which was around {$3400.00}. I had already paid {$500.00} into the settlement amount and would like that amount added. Their practices are unfair and deceptive does not benefit me and put me in more of a financial bind.
|
| 02/11/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In XX/XX/XXXX, UAS XXXX changed their online system. Since then none of my payment attempts have processed. On XX/XX/XXXX payment for {$50.00} was made, on XX/XX/XXXX {$64.00} payment made, on XX/XX/XXXX 5 payment attempts of {$110.00} was made, on XX/XX/XXXX payment made of {$110.00}, XX/XX/XXXX payment attempt of {$110.00} was made. I was told in XXXX that my payment attempts for XXXX and XXXX did not process. There was no time for me to try to correct the issue. On XX/XX/XXXX my check for {$200.00} was cashed and payment still has not posted. I was told it was my ACH accounting info was wrong. I called my bank in XXXX and XXXX and informed my ACH info was accurate. UAS XXXX continues to tell me they dont know whats wrong, they dont know where the check went. I emailed a copy of the front and back of the check on XX/XX/XXXX and XX/XX/XXXX. Still doesnt show posted. They do not accept credit card or debit card payments. Only able to pay through ACH payment. The account is showing closed on my XXXX credit report and UAS XXXX stated I needed to dispute it because they see the transaction attempts. I did dispute the error with the XXXX credit Bureau and was informed that the information is accurate and they could not reactivate that account on my credit report. Due to this issue, I dropped XXXX pts on my credit report, showing I have missed and late payments. I am being told the issue is my fault but have proven it is not, I am not getting proper assistance with how to pay them. When asked if I could pay it off in a bank somewhere they said no. They only accept ACH payments. I have spoken with a XXXX, who told me they would remove my ACH payment and we can re enter it, never was done. I spoke with XXXX twice and was told they dont know whats wrong, my bank info is wrong. I am getting nowhere with them and can not resolve this issue that is now effecting my financial life. I have been personally blamed by the people I have spoken with that this issue is my fault. I never had issues with payment until the changed their system. I have deleted and re added my banking information and still didnt work. When calling UAS XXXX, they are experiencing longer than normal wait times, the people who review paper payments are backed up. Appears they are having a bigger issue.
|
| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I was alerted by a credit monitoring company I use that a derogatory account was added. I looked at the account and it was Trans World Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. I was not familiar with the account that stated that account went in delinquent on XX/XX/XXXX for {$480.00} and was assigned on XX/XX/XXXX. I had not received a letter from this company and didn't know who this was so I called them and they said it was for XXXX XXXX. I had not had XXXX XXXX for almost 7 years and was sure I paid the bill they said I did not so I asked them why was the date XXXX and they said it was the date it was sent to them I asked them why was I never contacted and it was just put on my credit ad delinquent with out giving me a chance to pay and they had no answer for that. After speaking to like 3 people over two days I just paid the amount. I was not happy with this so I decided to call back on XX/XX/XXXX to find out more about this because it just didn't understand how I had a account open in XXXX when I lived in a area that XXXX XXXX didn't serve. I called the company and the rep answered he went into a long spill about me winning a {$100.00} Visa or Mastercard and before he could help me I needed to pay {$2.00} shipping fee to get the card to me. I told him I didn't want the card I just wanted help with my debt to understand what address it was for he said he couldn't help me until I paid the {$2.00} fee I refused and he hung up on me. I called back 4 times and each time the same thing no one would talk to me unless I agreed to pay {$2.00} for this credit card. I ask for a manger and was put on hold when a manager answered they started out as if they was going to help and they went right into I must pay this fee first so they could give me information I was requesting about the debt and if not they I couldn't have it. I told her it was illegal and ask for her name and she hung up on me. I was not able to get any information about my account I tried calling XXXX XXXX they told me it was sent to TransWorld and I had to contact them for information. At this time I have paid this and I really don't think it's my account and they have also now reported it on my credit as in collection/charged off and I have disputed it and can not get it removed.
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| 01/18/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On Tuesday XX/XX/XXXX I received the first phone message from Trans World Systems Inc., ( these are calls to my home number, that I do not answer, allowing calls to go to voicemail. ). The message was from XXXX XXXX at XXXX. I returned the call, XXXX XXXX was not available, they asked for my phone number and was told that I do not have an account with them. They must have dialed the wrong number. After receiving a call on XX/XX/XXXX I spoke with XXXX XXXX XXXX explaining that this is not my debt, please do not call again. I was told that my number would be removed. On Wednesday XX/XX/XXXX. I was called twice at XXXX XXXX and XXXX. I returned the call, explained previous conversations, and was told they were calling for a XXXX XXXX. I again said that there was no XXXX XXXX living here and to please remove my number. This same conversation was repeated again on Thursday XX/XX/XXXX.at XXXX XXXX, Saturday XX/XX/XXXX. at XXXX XXXX., Sunday XX/XX/XXXX. at XXXX XXXX., Monday XX/XX/XXXX.at XXXX XXXX. On Monday XX/XX/XXXX at XXXX XXXX.I again asked to have my number removed from their calling list. I was then given the names of two other people on their call list. I repeated to please remove my number and also asked for an alternate number to call if I received more calls.I then called XXXX at XXXX XXXX. and was assured that my number would be removed and I would not receive any more calls after 24 hours. Tuesday XX/XX/XXXX I received a message to call them giving me a ID code number of XXXX.Again calling on Wednesday XX/XX/XXXX. at XXXX XXXX. and this morning at about XXXX XXXX, I just deleted the message without bothering to return the call. At XXXX XXXX.I received another message .Every time that I call them and ask to speak to XXXX XXXX XXXX which is who I am supposed to talk to, they say he is unavailable. I explain that perhaps XXXX XXXX is not getting the message that he needs to stop calling me. I am not returning their calls, it is pointless to keep going through the same song and dance on a daily, sometimes several times daily with them. This is total harassment considering that we have had this same conversation so many times and have repeatedly requested they remove my number and stop calling me. Trans World Systems Inc.
XXXX. XXXX XXXX XXXX DE XXXX XXXX.
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| 05/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I WAS IN A CAR ACCIDENT ON X/XX/2016 IN WHICH ANOTHER PARTY WAS AT FAULT FOR, I HAD TO HAVE SEVERAL XXXX AS A RESULT ALL OF MY MEDICAL PROVIDER WERE FULLY AWARE THAT A 3RD P ARTY WAS RESPONSIBLE AND WAS PROVIDED WITH THE CLAIM NUMBER FOR BILLING AND A COPY OF THE POLICE REPORT FOR THE ACCIDENT. I AM BEING REPRESENTED BY XXXX XXXX XXXX IN XXXX NEBRASKA. I WAS CONTACTED BY XXXX XXXX XXXX TO DEMAND PAYMENT FOR FOR XXXX BILLS FOR XXXX FOR {$140.00} AND THE OTHER FOR {$120.00} EVEN THOUGH THEY HAD DOCUMENTATION FROM MY ATTORNEYS OFFICE THAT THIS WAS A 3RD PARTY BILLING THEY KEPT THREATENING TO TURN THE XXXX BILLS OVER TO COLLECTIONS SO I PAID BOTH BILLS IN FULL. A FEW WEEKS LATER I GOT AN ALERT FROM CREDIT MONITORING THAT A COLLECTION HAD BEEN ADDED TO MY CREDIT FILE BY A COLLECTION AGENCY CALLE D TRANSWORLD SY STEMS WHICH I PROPMTLY CONTACTED TO GET THEIR FAX NUMBER TO SEND THEM PROOF OF PAYMENT THE LADY I SPOKE TO REFUSED TO HEAR ME AT ALL AND BEGAN YELLING AT ME FOR PAYMENT, I ALSO CONTACTED XXXX XXXX XXXX TO FIND OUT WHY THESE ACCOUNTS WERE PLACED WITH COLLECTIONS DESPITE BEING PAID IN FULL EVEN THOUGH I WAS NOT THE RESPONSIBLE PARTY. AT FIRST I WAS TOLD THAT MY PAYMENT COULD NOT BE FOUND AND AFTER FAXING PROOF OF PAYMENT I WAS TOLD THAT THE SYSTEM HADNT UPDATED PAYMENT WHEN THE COLLECTION HAD GONE OUT. THIS CALLED MY CREDIT SCORE T O DROP BY OVER XXXX POINTS. I DESPUTED THESE COLLECTIONS WITH XXXX , XXXX AND XXXX ONLY XXXX REMOVED THESE COLLECTIONS FULLY THEY ARE STILL LISTED ON MY XXXX AND XXXX REPORTS, I AM VERY DISAPPOINTED BY XXXX XXXX XXXX FOR DEMANDING PAYMENT FROM ME DESPITE HAVING PROOF THAT ANOTHER PARTY WAS RESPONSIBLE AND HAVING A CLAIM NUMBER FOR BILLING, I FELT BULLIED INTO PAYING AND INSULTED WHEN I STILL TURNED OVER FOR COLLECTIONS AFTER PAYING THEN TREATED VERY HOSTILE BY TRANSWORLD SYSTEMS AS I ATTEMPTED TO PROVIDE THEM PROOF OF PAYMENT AND THAT THE COLLECTION WAS IN ERROR THEY REFUSED TO ACCEPT ANY INFORAMTION FROM ME AND LASTLY I AM DISAPPOINTED THAT DESPITE PAGES OF DOCUMENTATION THAT THE COLLECTION WAS IN ERROR AND I PAID THE BILL DESPITE NOT BEING RESPONSIBLE FOR THE BILLS ONLY TO HAVE THESE NEGATIVE ITEMS ON MY CREDIT FILE STILL FROM XXXX AND XXXX .
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| 12/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2021 Dear XXXX XXXX Re : Collections Accounts This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
4. Complete proof that your business is licensed to collect debt in the state of Illinois. Attempting to collect a debt while being unlicensed is a crime and I will contact my attorney if this debt is not deleted.
5. I have proof that this debt was opened and reported on XX/XX/2021 and I never received any notice about it. A Transworld Agent informed me that a letter was mailed on XX/XX/2021 meaning that you all mailed the letter AFTER the reporting. I never had any time to receive the letter or dispute the validation which is in violation of the FDCPA and FCRA. Please delete these XXXX accounts from my reports With regards, Thank you for your time, XXXX XXXX
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| 06/15/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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On XX/XX/XXXX, I received notification that my federal Perkins loan Account # : XXXX, was approved for a Deferment. The letter also indicated that a payment of {$50.00} was due for interest accrued on the Federal Perkins loan. The loan period referenced for the deferment is XX/XX/XXXX. My school XXXX University has requested that I provide a default clearance letter, in order to be eligible for financial aid during the next enrollment period. I was advised by several representatives at XXXX XXXX XXXX that they would be unable to provide a default clearance letter, until the payment of the interest was made to XXXX XXXX XXXX. I am submitting a complaint about the handing of my loan, because the student default letter is being denied, although I have been approved for a deferment of the entire Perkins loan referenced above. I believe that XXXX XXXX XXXX is unfairly withholding the default clearance, based on fees that should be included in the terms of the deferment according to the department of educations definition of a deferment. I was also provided with false information by the agent on XX/XX/XXXX. The agent I spoke with stated that a deferment and a default had the same meaning, and that my loan would continue to be reported as default, although it was approved for deferment. If the terms of the Federal Perkins loan are based on the signed promissory note, it should state the terms specified by XXXX, in reference to the definition and polices of a granted deferment. Definition of default based on www.studentaid.ed.gov : Failure to repay a loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. You may experience serious legal consequences if you default. Definition of Deferment based on www.studentaid.ed.gov A postponement of payment on a loan that is allowed under certain conditions and during which interest does not accrue on Direct Subsidized Loans, Subsidized Federal Stafford Loans, and Federal Perkins Loans. All other federal student loans that are deferred will continue to accrue interest. Any unpaid interest that accrued during the deferment period may be added to the principal balance ( capitalized ) of the loan ( s ).
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| 06/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XXXX XXXX XXXX , I received a letter from TransWorld Systems on behalf of XXXX XXXX in XXXX XXXX , Arizona seeking payment of {$7400.00}. Given I knew I owed XXXX XXXX l {$74.00}, this was surprising.
I called XXXX XXXX and they confirmed my balance was only {$74.00}. I paid that {$74.00} owed to XXXX XXXX and they confirmed the extremely excessive amount TransWorld Systems was an error. At that time, XXXX XXXX said the account was n't in collection, but they only contracted TransWorld Systems to conduct a, " letter notice. '' They explained that TransWorld Systems would only be sending reminder letters to me about the debt. There would be no phone calls. There would be no report to Credit Bureaus. I was also told by XXXX XXXX that they would notify TransWorld Systems that my balance was XXXX .
On XX/XX/XXXX at XXXX XXXX ., MDT, I received a call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid XXXX XXXX and to not call me again.
On XX/XX/XXXX , at XXXX XXXX ., MDT, I received a second call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid XXXX XXXX and to not call me again. I pointed out that repeated calls about this, especially twice in a day, and especially twice in a little over an hour was harassment. I also told the caller than any further communications regarding this matter must be only in writing. My response to the harassment by TransWorld Systems and XXXX XXXX was to file this complaint for : Attempts to collect a debt which was already paid, Repeated phone calls about the debt which was already paid, The refusal or failure of XXXX XXXX to notify TransWorld Systems that the debt was paid, and, The misrepresentation by XXXX XXXX that the involvement of TransWorld Systems was, " only a letter account, '' when clearly it was not.
Attached please find the record of this payment provided by XXXX XXXX . It is reported to be directly from XXXX XXXX XXXX ledger regarding my balance.
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| 10/05/2021 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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Summary of complaint : XXXX XXXX XXXX XXXX ( lender ) has demonstrated opaque, unfair, and unethical policies towards international student loan borrowers by denying them the right to seek refinancing of their loans and refusing the release of co-borrowers.
Description : 1 ) I have an international student loan under repayment from the lender ( taken in 2011 ). Even though I am not in the US, I have been making regular payments towards the loan and have never defaulted.
2 ) Over the past 2 years, though there has been a significant reduction in the student loan interest rates, the lender is still charging me 5.5 % APR. In spite of making multiple requests to the lender to refinance my loan at the reduced interest rates, I am being denied the right to do so.
3 ) The lender claims that they can not refinance international student loans where borrowers do not meet the requirements of a current US address. However, they seemed it perfectly ok to grant me the original loan in 2011 even though I did not have a US address at that time. This opaqueness of policy and loan terms is grossly unfair and unethical towards international student loan borrowers.
4 ) As a result of the lender 's refusal to refinance my loan, I am having to bear an additional interest burden of over {$30000.00}. In my view, this practice of denying refinancing to international student loan borrowers is extremely unfair and in gross violation of consumer protection rights.
5 ) As an international student loan borrower, the lender has also refused my request for the release of my co-borrower without giving any proper reason or justification.
6 ) Over the past 2 years, I have made multiple phone calls and written multiple times to the lender escalating the above issues and request resolution. However, they have flatly refused to honor my request, citing opaque policy reasons.
7 ) The lender has also cited that provisions and terms mentioned in the loan promissory note prohibit them from refinancing the loan to international borrowers. However, this is blatantly false as there are no such terms mentioned in the promissory note.
8 ) I thus wish to bring the above unfair and unethical practices of the lender to the attention of CFPB for redressal and resolution.
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| 02/19/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Communication tactics
- Threatened to take legal action
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Web |
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I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few XXXX dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against TRANSWORLD SYSTEMS INC # XXXX FOR ALLEDGED BALANCE DUE {$220.00} XXXX reject your offer to contract I did not consent to any nonaffiliated third party TRANSWORLD SYSTEMS INC # XXXX to be in possession of my XXXX XXXX XXXX. I never gave any permission to TRANSWORLD SYSTEMS INC use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter STATING thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO your debt collection company ''. I now have reason to believe that you are all conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN XXXX THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND XXXX CALLING ON THE CFPB TO ENFORCE AND POLICE MY FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO. THIS IS WHERE FDCPA VIOLATIONS ARE FOUND IN YOUR LETTER TO ME YOU STATED " THERE CAN BE POSSIBLE CONSQUENCES CONNECTED WITH NONPAYMENT OF A LEGITIATE DEBT. '' UNLESS TIMELY PAYMENT IS MADE WE XXXX RECOMMEND TO OUR CLIENT THAT THIS ACCOUNT BE TRANSFERRED TO OUR TEAM PROFESSIONAL TELEPHONE XXXX '' .TRANS WORLD SYSYEMSINC BELEIVES SETTLEMENT NOW IS BEST POLICY. THIS IS A ATTEMPT TO COLLECT A DEBT '' BASED ON EVERYTHING YOU STATED YOU ARE IN VIOLATIONS OF THE FDCPA XXXX XXXX XXXX XXXX XXXX XXXX AND UNDER THE FDCPA VIOLATIONS FINDINGS XXXX XXXX XXXX I EXPECT MY {$1000.00} PER VIOLATION FOR MY DAMAGES DUE IMMEDIATELY.
|
| 08/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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TSI COMPANY WILL NOT STOP CONTACTING ME OVER MY EX BOYFRIENDS ACCOUNT. THEY CALL, EMAIL, TEXT AND SEND LETTERS CONSTANTLY THOUGH I HAVE RESPONDED IT IS NOT MY DEBT TO THEM DIRECTLY AND BY DUSPUTING IT WITH CREDIT BUREAUS TO NO AVAIL.
EXAMPLE EMAIL ( AND i ALREADY CLICKED THE OPT OUT LINK ) : XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX ( 13 hours ago ) to me Why is this message in spam? It is similar to messages that were identified as spam in the past.
Report not spam TSI Continue scrolling to see important information concerning your rights. Please do not reply to this email as this email address is not monitored. Options for contacting us are provided below.
We accept opt-out requests here To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Physical Address : Transworld Systems Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Office Hours : Monday through Wednesday XXXX to XXXX XXXX, Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX XXXX, Saturday XXXX to XXXX XXXX Our Account # : XXXX Creditor : XXXX Creditor 's Account # : XXXX Balance Due : {$350.00} Calls to and from this company are recorded and may be monitored.
Dear XXXX XXXX, We also sent you a welcome email. Did you receive it? We want to make sure that you know were here to help you resolve your account. Please give us an opportunity to help you resolve this account.
Options for your convenience XXXX XXXX XXXX Visit Us Online XXXX XXXX XXXX Your registration code is XXXX You can also mail your payment to Transworld Systems Inc. XXXX XXXX XXXX XXXX, DE XXXX or you can contact one of our representatives at XXXX.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.
Very truly yours, Transworld Systems Inc.
Please be advised that if you provide access to your email account to any other persons, such persons may be able to read the emails that we send to you. We do not send emails to known workplace email addresses, even with your permission, because they are subject to your employers email monitoring policies and may be read by your employer. Some written communications may be sent via US Postal Service.
We accept opt-out requests here
|
| 09/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
Servicemember |
|
I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the XXXX XXXX XXXX.
REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt.
Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately.
From XXXX to XXXX I received no notices that I had a debt.
In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest.
Debt collectors pay only a fraction of the charged off debt.
Debt collectors to the best of my knowledge can not continue to charge interest on a debt.
This debt is over 11 years old.
When I contacted them they THREATENED : they will put a lien on my social security number.
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations.
The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW 110234. Which is only applicable in the following categories.
anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories.
However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XXXX XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case.
This debt by their own admission is no longer with XXXX but is a third party debt collector. See attached screenshot.
|
| 01/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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In getting pre-qualified for a mortgage loan and being denied for derogatory history shown on my report. I did not recognize any of the derogatory accounts and I realized someone had stolen my identity. As soon as possible I contacted the various financial companies that had granted credit in my name and one of them was XXXX Acct No XXXX ; as I explained the account was not mine, they opened an investigation which lasted over two months and at the end, according to investigator XXXX XXXX since the account reflected a couple of payments were initially made to this account and the account was in my name, I was still responsible for it. I explained to her that I never had an account with XXXX XXXX XXXX and believed it had been also opened fraudulently. I went to a XXXX XXXX XXXX Branch and spoke to XXXX, an assistant management who confirmed the alleged account, number XXXX had been opened in XXXX, AZ and it was now closed. I told her I had never been to that city in AZ nor had opened an account with them, XXXX suggested I opened an investigation which I did and is still in progress. After I found out about the XXXX XXXX XXXX account, I contacted XXXX, the investigator at XXXX XXXX, after multiple tries, I spoke to her briefly after multiple attempts and told her of my findings and asked them to conduct a more in-depth investigation on this account which they refused. I still do not understand how a line of credit for an amount close to {$100000.00} was granted so easily in my name when there were multiple red flags that suggested fraud as the thief provided a different address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) considering XXXX have had my information in their records for over 14 years I have had my checking and savings account with them for all this time which could have been crossed referenced and questioned it. XXXX XXXX made a big mistake and now they expect me to undo their mistake and in the meantime my credit record has been ruined and my mental and physical health is been detrimentally affected. All I am asking is for a throughout investigation be conducted by XXXX XXXX who created this mess by not conduction their due diligence at the time of granting the credit and who now expects me to fix it. Please help
|
| 07/25/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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I took this student loan, XXXX XXXX XXXX, in XXXX to finance part of my medical schooling. During residency, from XXXX, I deferred the loan payments by submitting paperwork each year. The loan was due to enter repayment upon leaving residency, on XX/XX/XXXX. I called University Accounting Service , LLC ( UAS ), the company handling the loan, in XX/XX/XXXX to find out about the details of repayment. They sent a status letter on XX/XX/XXXX as the loan was now in repayment, which stated the total loan amount ( {$12000.00} ), interest rate 0 %, repayment schedule of {$100.00} monthly, with the next payment due XX/XX/XXXX. Beginning XX/XX/XXXX, I paid the {$100.00} on the XXXX of each month without fail, with an extra lump sum payment of {$3900.00} in XX/XX/XXXX. The statements I received from UAS through XX/XX/XXXX ( dated XX/XX/XXXX ) had no issues- it always showed that I paid the monthly amount of {$100.00} with 0 % interest rate and had {$0.00} interest balance, and that my next payment of {$100.00} was due at the end of the month, next on XX/XX/XXXX.
Unexpectedly, this month, I received a past due notice of {$230.00} ( generated XX/XX/XXXX ). When I called to ask what this was about, the representative stated that my monthly payments had increased in XX/XX/XXXX to {$130.00} per month ( this was not communicated to me at all, not by email, mail, or phone ), that my interest rate is 6.25 %, and that interest had been accumulating all year at this rate even though their monthly statement documents showed 0 % interest rate from XX/XX/XXXX through XX/XX/XXXX with {$0.00} interest balance as of XX/XX/XXXX.
She was unable to help me further and could only escalate by sending an email to a supervisor. I called 4 more times that week in an attempt to speak with a supervisor to understand what was going on with the loan payments, each time being told that no one was available to help me and that someone would get in touch with me in several days. During the last call, the customer service representative hung up the call without completing it.
When I investigated the interest rate, I found that the prime lending rate in XXXX ( when the loan actually entered repayment after being deferred during residency ) was 3.25 %.
|
| 08/22/2021 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Qualified for a better loan than the one offered
|
|
Web |
Servicemember |
|
When I originally accepted this loan, in XXXX, the provider 's name was XXXX XXXX XXXX now its University Accounting Service LLC. The loan amount requested was $ XXXX. I had good to fair credit at the time not great. It was somewhere between XXXX to XXXX. I was told I had to have a $ XXXX origination fee if I got approved, and I would have to have a cosigner. I was told as long as I made 12 straight payments on time, then my cosigner would be taken off the loan. That never occurred and I did make 12 consecutive payments on time as agreed. I was never informed or understood that my interest rate was variable and how it was calculated. I was informed if I ever had economic hardship or needed an income based payment plan the lender would provide those options. While they have gave me some forbearance options, they have never offered me an income based payment plan. My balance over the years has gone from $ XXXX because of the Origination fee to about $ XXXX though I have paid {$13000.00} towards the loan to date. I have begged and pleaded with the originator to provide me with more reasonable monthly pay back options that will allow me to get the balance down and and they refused to. The payments have been {$600.00} to {$800.00} a month to which I have responded over and over I cant afford. I have been able to negotiate an interest only payment at times but the balance keeps getting higher and higher with no solution available. My cosigner back in XXXX even offered a $ XXXX negotiation payoff of the loan on top of the thousands I have already paid on it and it was denied. That means they would have received in total about $ XXXX for only lending me $ XXXX. So they would have doubled their money back. The seller of this loan took advantage of me when I was in need. Even the original loan documents have been changed in the system. The documents I originally signed all reflected My XXXX XXXX, the documents they have in my profile now are reflecting University Accounting Service LLC, which I had never heard of back in XXXX when I accepted this loan and signed off on it. I am trying to find my original loan paperwork. I mean they have taken the time to change the paper work in the system and upload it. Its Straight fraud.
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| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
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This has began to be a problem. I am in an XXXX XXXX and XXXX XXXX XXXX XXXX, they call me. I was not sure, what type of company they were, and their shady practices are questionable. I thought it was a transportation company. I called back and asked, what kind of company they were. I thought it was my counselor from the Veterans ' Affairs, but it was this company called Transworld. Upon calling back, they refuse to give me any information about their business, but as the have called my number they are asking to give them my personal information. What kind of business calls and asks the person who calls back for personal information, but attempts to put the caller to coerce to obtain information from them without telling them what kind of business they are? I am assuming it is a collection agency- the person on the phone said to me : " If you tell me your name, I can look you up, then I can tell you what this is about ''. Me asking him again and again, what kind of business it is, because I simply would like to know, there are tons of scammers out there, who are attempting to scam XXXX XXXX. It was absolutely unnecessary and rude not to give me their information, as I do not know, who these people are and they call me from different numbers. They are called Transworld, so I have not looked them up yet, I am not sure, why they keep on calling during my work hours, which is me being in school on my phone and refuse to give me their name of their business nature or the nature of their call. I do not have a problem communication over my phone, but I do have a problem, that these people call me and refuse to identify themselves, when I call them back. I was in a meeting today, and they called me again! I am unable to answer the phone during meetings, but they called me up to three times a day.
This feels like a form of extortion, trying to coerce the caller to give out information. I do not volunteer such information, they have called me to begin with and need to tell me the nature of their business.
I just want them to stop calling me, as they refuse to tell me who they are and are coercive trying to extract information. Even though I blocked their phone numbers, they find a way around it, to call me.
Thank you.
|
| 07/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX I received a call from XXXX at Transworld Systems ( XXXX ) indicating she was attempting to collect a debt from me for XXXX XXXX XXXX XXXX. When I asked her what the debt was she could only tell me it was from a service date of XX/XX/XXXX for {$60.00} and occurred in the state of Arkansas. I explained to her that I lived in Texas and not Arkansas. She could not tell me anything else about the debt. She suggested I call XXXX XXXX XXXX XXXX directly ( XXXX ) .I called on the same day and was told the debt was for a nebulizer for a patient named XXXX . I explained I did not have a child named XXXX. The medical claim was under " XXXX XXXX ''. I further explained that I had never lived in Arkansas and this was not a claim related to any medical care my children had received. The plan was to notify Transworld Systems this was a false claim. Today (XX/XX/XXXX ), I received another call from XXXX at Transworld Systems trying to collect on the debt. I explained to her what happened on XX/XX/XXXX but she stated they had not heard from XXXX XXXX XXXX XXXX. I felt somewhat threatened by her as she stated this would show up on my credit report if I did not pay the claim. When I said I was not worried about that she said " you should be '' and then she ended the call abruptly. I then called XXXX XXXX XXXX XXXX and spoke with XXXX. She did say that on XX/XX/XXXX they sent an email to Transworld Systems requesting to close out this case. XXXX did tell me that the patient did have XXXX XXXX. I also have the same insurance provider but claim had a different policy number on it. XXXX sent another request today to Transworld Systems asking them to close this case.
When I review my phone records, I can see Transworld Systems began calling me onXX/XX/XXXX ( XXXX ). I did not answer that call as I was on vacation and did not recognize the number. They did not leave a message. They called again on XX/XX/XXXX ( XXXX ) and did not leave a message. They called again on XX/XX/XXXX ( XXXX ) and did not leave a message. They called onXX/XX/XXXX( XXXX ) and did not leave a message. They called on XX/XX/XXXX ( XXXX ) and did not leave a message. I do not want to block these calls until I am certain this issue has been resolved.
|
| 06/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American |
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On XX/XX/XXXX I used XXXX XXXX XXXX in XXXX XXXX, California on XXXX XXXX XXXX to ship box parcels to XXXX.. The total charge was {$340.00} which I paid with my XXXX XXXX. The Tracking # on the Receipt is : XXXX. I have a copy of the receipt. On XX/XX/XXXX, I received e-mail from XXXX XXXX stating that I exceeded the limit that was set before. I called XXXX XXXX and fond that XXXX charged me {$1300.00} on XXXX XXXX for the same tracking # on the receipt of the shipment. I declined the payment, and XXXX XXXX XXXX removed the charges on the next statement after I contested the charges and explained to them that I did not sign for this amount of charges and supplied them with the original receipt from XXXX. Later, I received an Invoice # : XXXX from XXXX with invoice date XX/XX/XXXX for the same tracking # for the receipt that I signed on XX/XX/XXXX. The charges was {$1300.00} as a balance due. I called XXXX and explained to the operator on the phone that this is a fraud and it 's illegal to charge my credit card without my knowledge or consent. I explained to her that I would never have sent the shipment if I would have known that the charges is {$1300.00}. The employee was very rude and told that I have to make the payment to XXXX. I was terribly stressed and shaking so my husband took the phone and ask for a supervisor to talk to. A lady name XXXX spoke with my husband and after half an hour she agreed that I am right and she removed the charges. On XX/XX/XXXX, I received a letter from a collection company Named Transworld Systems Inc. with File # XXXX, Invoice # XXXX XXXX to collect adept on behalf of XXXX with amount of {$1500.00}. They added a collection fees charges of {$190.00} to the original {$1300.00}. On XX/XX/XXXX, I wrote a letter of all the above to XXXX and to Transworld Systems Inc. and asked to remove all the charges because it 's a fraud and illegal to charge me after the fact. On XX/XX/XXXX I received a letter from Transworld Systems INC with the Reference # XXXX XXXX stating that they are stiil reviewing the charges!. I really appreciate your help. I am a senior citizen and I got extremely stressed with every letter regarding this unfair charges. Thank you so much for offering this service.
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX of XXXX, I was reviewing my credit report when I noticed a collection account was added. It was for {$90.00} from Transworld Systems collecting for XXXX XXXX Hospital. I was surprised because I didn't even know that I owed any money.
In XXXX of XXXX I was taken to XXXX XXXX Hospital by ambulance because of XXXX. I tried to refuse medical service but the police and paramedics insisted that I be taken to the hospital. Once I arrived to hospital, I again refused service and I left on my own. I did not have medical insurance and I did not want to incur any medical bills.
I never gave XXXX XXXX Hospital my name or any of my information, nor did I ever receive a bill from them. I also never received a bill from Transworld Systems. I had no idea I owed any money and because I refused medical service, I did not expect to owe any money.
On XX/XX/XXXX, shortly after I became aware of the debt on my credit report, I called Transworld Systems to resolve the debt. I explained to the customer service agent that I never received a bill and wasn't aware that I owed anything. I told her that I could make the payment but I asked that the collection account be removed from my report. She said that it would not be removed but only updated to show that it was paid.
The customer service agent told me that bill had be sent to XXXX XXXX XXXX XXXX, XXXX, IL. Which is my old address. I've come the conclusion that XXXX Hospital must have gotten my information from the police officer or the police report. My ID at the time was outdated and did not have my current address. Again, I did not give XXXX Hospital any information, so my best assumption is they obtained the wrong information from my outdated ID.
I told the customer service agent that I did not think it was fair that I should have a negative mark for a debt that I was completely unaware of. She again told me the best should could do was update it as paid and suggested that I contact a credit specialist. I wasn't satisfied with that resolution so I ended the call and did not make the payment.
I later decided my best action would be to make the payment and file a complaint with the cfpb. On XX/XX/XXXX I made the full payment of {$90.00} to Transworld Systems.
|
| 12/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
After XXXX XXXX from the XXXX in XXXX, I was unemployed and attending XXXX University. Once I got a job, I was unable to make payments to several debts to include XXXX XXXX. Since then, I have obtained a very good job, payed off several debts, am completely caught up on XXXX XXXX, and am trying to take care of this debt in particular. The debt in question is a XXXX XXXX XXXX credit card debt from XXXX XXXX XXXX XXXX XXXX XXXX that was purchased by Transworld Systems Inc. with an original debt of {$1800.00}, collection costs in the amount of {$360.00} and interest in the amount of {$89.00}. On XX/XX/XXXX, I made a " good faith '' payment of {$750.00} in order for me to make a settlement offer ( as " policy '' from Transworld Systems ). After the settlement offer was made ( settlement in the amount of {$1900.00} ) I declined to pay because I had already made a {$750.00} which didn't seem to reflect in the total amount owed.
Throughout their entire attempt to collect this debt, not once have they given me the information I need to make payments online in order for me to lower the debt. Every time I have asked for my " Registration number '' to setup my account online they decline to give it to me saying my account is in a garnishment status, yet they have never garnished my wages in 4 years.
XX/XX/XXXX I called to setup payments arrangements and to notify them that I will be paying the full amount either at the end of the month or next month and to setup payment arrangements in the mean time. They told me my debt has risen to {$2300.00}. This is about {$400.00} more than what they have been submitting to all 3 of my credit bureaus, and where is the {$750.00} that I paid in XXXX? So I offered payment arrangements in the amount of {$100.00} a month, the representative said it would be better to make a {$200.00} payment. I settled for the middle and offered to pay them {$150.00} a month to start paying down the debt. The representative told me that they needed a monthly financial statement in order to start a payment arrangement " so low. '' Are you kidding me? I hung up and later called for an itemized statement of my account for the last 12 months. I want to know where they included my {$750.00} payment.
|
| 08/27/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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In the past my loan payments were being made through XXXX student loan services. About two years ago I received notice that XXXX was being taken over by XXXX education services. My loan payment is made quarterly and I've been making faithful and on time payments for about a year online at XXXX 's website. That last time I was able to make a payment was in XX/XX/2018 and I have the receipt of payment for that. In XXXX I noticed that I had not received notice for payment for my XXXX loan in sometime and went to the website so see about the loan. I received a message saying that the service that I requested could not be accessed at that time. I assumed it was an issue with the website.
Here we are now, in XXXX, and I am receiving the same message. I called the company ( XXXX ) and received absolutely no help. Initially I called and was transferred to a 100 % automated " department, '' that did not reconize my SSN for logging in. I called back and was transferred to the " loans department '' where someone proceeded to tell me that I do not nor have I ever had an account with XX/XX/XXXX services. I have multiple student loans and I do not know which ones fell under XXXX services. She suggested that maybe it was a Perkins Loan and transferred me to that department. This was again a 100 % automated department that did not recognize my SSN or birthdate for logging in.
I called back and was told there was no manager to speak with and the " customer service departments '' that I have been previously transferred to was all that they had to offer.
In short my loans are in limbo and no information can be offered by the company previously in charge of them as to where to make a payment. It frustrating because I don't want to default on a loan simply because a company has less than professional business practices. If it has to come to it I will definitely get a lawyer and take this problem up legally, because it is unfair to expect me to have to pay any outstanding charges being accrued at this time. I've looked online and have seen many comments and reviews similar to mine, referencing their experience with XXXX. It is my hope that something gets done about this and puts these crooks out of business.
|
| 11/24/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
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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.
|
| 09/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I was injured in a fall at home on XXXX/XXXX/2015. I went to XXXX XXXX Hospital in XXXX XXXX XXXX and was treated in the XXXX. About a week later my wife and I traveled to XXXX where we spend XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Apparently during this time period XXXX XXXX XXXX XXXX sent a bill to our home address asking us to pay {$57.00}. We never received this bill/statement eve though our mail was forwarded to our XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 we received a phone call from TRANSWORLD SYSTEMS INC. advising that they were a debt collection agency and we needed to pay this bill. They were given valid credit card information to pay the entire {$57.00} and we were provided authorization number XXXX from TRANSWORLD SYSTEMS INC and promised a letter to follow saying the matter had been handled. On XXXX/XXXX/2015 AT XXXX we received a call from a male voice saying he was with TRANSWORLD and that this bill for {$57.00} needed to be paid as they were a collection agency. When I asked the caller for more information, he became upset and said he 'd mail us the demand and then he hung up. I called back to TRANSWORLD three times immediately. Each time after identifying myself and providing the account number we had been provided I was abruptly disconnected by the TRANSWORLD employee. On the fourth call to TRANSWORLD a female identifying herself as XXXX XXXX listened to the information we had, i.e. the bill had been paid by credit card 11 days previous, we had not received the confirmation letter via mail, and I provided the authorization number received from TRANSWORLD. XXXX XXXX said that their system did not show any payment or credit card information. XXXX did check with her supervisor, XXXX XXXX and eventually came back on the line to say that TRANSWORLD has been having computer problems, and " employee problems '' and requested that we pay the bill again. Again our credit card information was provided and again we were given a second conformation number from TRANSWORLD. I requested that TRANSWORLD send a letter to each credit reporting bureau explaining TRANSWORLD 's error and was advised that a letter would not be necessary as our credit ratings had not been damaged.
|
| 10/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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Medical Billing XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : This letter is to complain about XXXX bills I recently received from XXXX. I called XXXX on XXXX XXXX, 2016, to find out how to deal with a problem I 've had with these XXXX bills.
The XXXX police handcuffed me and forced me to the hospital because I was XXXX. When I arrived at the hospital, they handcuffed me to a chair while some staff asked me some basic profile questions. The cops then proceeded to take me to the XXXX where I met the XXXX who finally XXXX. The XXXX took me into a plain office and just gave me a tissue and asked me a couple questions about my profile. After five minutes, I was told to wait outside while the cops casually planted themselves in chairs to relax thinking they would be there a long time. The XXXX said I was fine to go and the cops quite surprised, proceeded to handcuff me and make me wait upstairs while they went to the cafeteria to get food. At this point, I had not eaten all day and just thought how my friends and family were probably wondering where I was. I realized I was taken to the hospital so the officers can get food and relax while I just got a XXXX. Less than one hour was spent at the hospital where most of the time was spent with me waiting handcuffed or watching the cops get food. I spent only fifteen minutes or less to myself in a XXXX and answer a couple questions and I refuse to believe any of that qualifies for an emergency room bill for {$1600.00} and emergency visit for {$140.00}. It is completely absurd and outrageous considering neither was any emergency at all and all I was given was a XXXX.
After I had been on hold for several minutes, a representative came on the line. I tried to explain my problem to her several times and she interrupted me to say she could not help me and to write a letter explaining my situation. Needless to say, I was quite frustrated. I do not want to spend any more time on this problem and I am including these XXXX bills to be cancelled. I will be informing my friends, family, lawyers, and if necessary, forwarding all this information to the executive staff of this company and NY XXXX XXXX XXXX about this matter.
Sincerely, XXXX XXXX
|
| 11/28/2015 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I set up a payment plan with Transworld Systems which included a monthly payment amount of {$65.00}. The agreement was signed by me on XXXX/XXXX/15. The letter stated the following : On XXXX/XXXX/2015, you agreed to enter into a Loan Rehabilitation Agreement ( Agreement ) with XXXX ( XXXX ). Once your loan ( s ) is/are rehabilitated : Your loan ( s ) will be removed from default.
Within forty-five ( 45 ) days of rehabilitation, XXXX will request all nationwide consumer reporting agencies to which the defaultwas reported to remove the record of default from your credit history, and provide notice of the rehabilitation to the prior holder.
You will regain eligibility for remaining deferments, forbearances and other Title IV financial aid.
An eligible lender who purchases a rehabilitated loan must establish a repayment schedule that meets the same requirementsthat are applicable to other Federal Family Education Loan ( FFEL ) Program loans of the same loan type, and must permit you tochoose any statutorily available repayment plan for that loan type. This means that if your loan ( s ) is/are rehabilitated, there is apossibility that the required monthly payment amount will increase.
The payments were automatically debited from my account for 6 consecutive months. I contacted Transworld XX/XX/XXXX to inquire about the payments stopping XX/XX/XXXX ( when I noticed ). They could n't give me a definite answer and wanted be to restart the paperwork all over again. When I continued to insist on a more definite answere, I was told that they could not retrieve the payments from my checking account due to insufficient funds. That statement was completely false and a dishonest practice on their part. I was never contacted by the company about my payments after XX/XX/XXXX and my account has always had the funds available to make the monthly payment arrangement. To insist that I restart the paperwork all over again after only 6 months on the plan is completely unacceptable and disturbing. At the time I signed the agreement, I was told by Transworld that I would rehabilitate my loan after making 9 voluntary on time payments. I thought this was reputable company until this situation happened.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
8 years ago I rented a house in XXXX as I married a woman from the XXXX and waiting for her to come here with her XXXX kids. So for entertainment, I signed up with XXXX XXXX. I signed a form for items that I wanted with XXXX, They did not fulfill the contact and would not. So after a week, I told them I no longer want XXXX and had them come out an uninstall XXXX. I paid for the whole month, though I only had it for one week.
After about 8-10 months, they started sending me bills and calling me. I told them several times that the contract was cancelled and they got paid for XXXX extra weeks that I did not use XXXX. This went on for three years.
5 years ago, I got a call from my bank and asked me if I had authorized XXXX to take {$750.00} from my account. I told them know, that I knew nothing about it. I filled out some forms from the bank, had to cancel my debit/credit cards and get new cards. The bank got my money back from them. I just ca n't believe they can go into anyone 's bank account and steal money. It is amazing that the XXXX government allows them to do this. Very dangerous as many people have let them draw money to pay their bills.
So now my money goes to a collect agency XXXX and they start harassing me. It also goes on my credit report.
We live in a small town in XXXX and want to move XXXX miles XXXX of where we live now into a bigger town. It took us a month to get a house because as soon as a house hits XXXX, they are gone within a day or XXXX. We found XXXX, XXXX day after it went on the market. But because of XXXX we were told we had to pay them before we could get the house. Even though I do n't owe them money, I went ahead and paid it. Even though I paid it by credit card, that does not assure us of getting the house. They said it would take XXXX days for the card to go through. Then XXXX will send me an email that it was paid. The property management people said that they will consider it once they get the confirmation letter faxed to them that it was paid. So because of Money I do not owe, because of XXXX and XXXX We may have lost a house that we so need and want. Plus it will stay on my credit report for a year after I paythe money. How can this happen?
|
| 09/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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XX/XX/XXXX, I received a letter stating that this company was REQUIRED by law to inform me that effecteive XX/XX/XXXX ( the date of the letter ) that the statute of limitations to sue me for the debt listed within the letter HAD EXPIRED and that ANYONE who attempted to sue me or made attempts to further collect on the debt, that I AM REQUIRED to INFORM them that the statute of limitations has expired preventing them from obtaining a judgement. Furthermore, I was also informed that SHOULD I make ANY payment, this company would then be able to sue/collect the total amount of the debt within.
As I have now been armed with that letter and information, TRANSWORLD SYSTEMS INC. PROCEEDED to call me, harass me and THREATEN me with suspension of my license AND registration for the outstanding debt of toll fees & OBNOXIOUS fines on # 1 a car I NO LONGER own because it was totaled and # 2 on plates that I ALREADY turned in AND replaced due to my old car being totaled. Whether I owe is no longer the question, but the tactics of harassment and threats I received as a result for SEVERAL MONTHS THEREAFTER has caused TREMENDOUS XXXX, stress, distress, and turmoil. The calls began XXXX XXXX and CONTINUED until around XX/XX/XXXX when I explained that # 1 I was still hurt from my accident and unable to pay ( even if I wanted to ) and # 2 I REMINDED them on at least FIVE occasions that THEIR OWN COMPANY sent me this letter informing of the expiration of the statute for them sue/attempt to collect and basically to not even pay one red cent as to avoid being on the hook for their ENTIRE amount. Also, the amount quoted to me was SIGNIFICANTLY higher than what was actually listed in the document/letter sent to me. The supervisor I spoke with then proceeded to tell me that upon my refusal to pay, IGNORING the fact that apparently it was THEIR legal team who informed me of my rights to not pay, THREATENED to have my license and registration suspended. To date, XXXX XXXXXXXXXXXX XXXX XXXX still has this listed under my name WITH THE OLD PLATE INFORMATION BUT with the more recent dates falsified because I DID NOT TRAVEL to areas listed on those dates and I HAVE VERIFICATION proving that I DID NOT.
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Two years ago, after purchasing my first home, I suspected the presence of mice in my new home. On XX/XX/XXXX, I hired XXXX for a mice inspection. XXXX offered a free inspection at no charge. They did the inspection and suggested a one-time treatment. They also verbally notified me that the fee for the treatment will be a one-time payment of {$100.00}. I offered cash for the service, and they refused to accept cash. Then I accepted to pay the one-time fee of {$100.00} with a credit card. XXXX crew handed me his XXXX for the credit card payment and my signature. After applying the treatment, the crew left, and I have not heard from the company. After 3 months, on XX/XX/XXXX, I noticed recurring transactions on my credit card from XXXX. I noticed that XXXX charged me 3 times already, once every month. I called the XXXX customer service asking for an explanation, and they informed me that I have a contract with XXXX and will be charged $ 102 monthly for a year for treatment, with an option to terminate the contract by paying a {$500.00} termination fee. I informed them that XXXX never informed me about any contract, and I neither agreed to such a contract nor signed any such contract. In response, XXXX emailed me a copy of a contract ( Attached ). Upon reviewing the contract, I suspect when the XXXX crew told me to sign for the one-time credit card payment, that was the contract and not merely a signature for payment. I feel they tricked me into signing something I did not agree to. I discussed my suspicion with XXXX over a phone call and requested to terminate my contract without a termination fee as I was not made aware of a contract, and they refused. I called my bank and informed them about this fraudulent activity. My bank refunded me for the two additional months when I was charged wrongfully and placed a hold on future payments to XXXX. I called XXXX on multiple occasions to resolve this issue, and they refused help. In XX/XX/XXXX, XXXX sent this contract to a collection company. I take very good care of my debts and have an excellent credit score. I pay all my bills and mortgage on time every month. I'm seeking your advice and assistance on resolving this matter.
|
| 06/01/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with Transworld Systems @ XXXX stating that my student loan from XXXX XXXX XXXX, XXXX is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that XXXX XXXX, XXXX XXXX is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get XXXX XXXX XXXX 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for XXXX 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted XXXX to see what was going on with my account, XXXX informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if XXXX had a contact number on XXXX they provided me with Transworld System 's contact which is XXXX. I have research and XXXX and found nothing. At this point, I 'm not sure who is XXXX and why is Transword Systems trying to collect {$11000.00} from me. Transworld System XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my Student Loan account. I never received anything from XXXX stating ownership of my student loan. Also, XXXX has not provided me anything in writing stating that they transfer the account to Transworld Systems. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with XXXX in the past or Transworld Systems. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with Bank XXXX and payments were submitted XXXX XXXX XXXX. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a great stress in my life. Thank you
|
| 07/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have contacted Transworld Systems Inc ( TSI ) to dispute a XXXX XXXX bill, and they sent me the paperwork to dispute the bill. I filled the paperwork on XX/XX/XXXX and returned it back to XXXX XXXX. I followed up with TSI, as instructed on several different occasions : XX/XX/XXXX, XX/XX/XXXX & XXXX speaking with various different agents there, including XXXX XXXX and XXXX XXXX, each time receiving a different story about the status of the debt. I was told that once that XXXX XXXX mailed out paperwork regarding the dispute on XX/XX/XXXX. By XX/XX/XXXX, when I had not received it, I called and was told that someone was going to look into it, and call me back with an update, that they need to reach out to XXXX XXXX. I asked if I should call XXXX XXXX, and was told that they will not be able to help me, and they would just send me back to XXXX, since the account was in collections. I never heard back, then I called back again on XX/XX/XXXX and then got a completely different story, that XXXX XXXX hadn't sent out anything yet, and that no one basically knew what was going on, and I keep getting the run around. The debt is not mine, I have provided all the requested paperwork and have confirmation of the fax being received. I would like this debt removed from my credit report. I submitted more than 1 dispute for this account, only to ever receive dispute paperwork. I have asked for the written contract for this debt. I have requested that if they do not have the proper documentation that they remove this immediately, under Section 611 ( a ) ( 5 ) ( A ) ( i ). A final bill from the original creditor is not verification. Please assist in this matter. I also received a call from a XXXX number, and was told that it was in regards to my dispute on XX/XX/XXXX. When I called that number back, it was a sales call for utilities at a lower price. I believe that was my information was sold or compromised because they specifically referenced my account with TSI and the dispute. I did bring this up on the call to Ms. XXXX, when I spoke with her on XX/XX/XXXX. This has been going on for nearly 2 months now and I just would like help to get this issue resolved.
Thank you!
|
| 06/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had a debt with XXXX in which I was paying for a deductible for an accident. I set up a 6 month payment arrangement with an agent for {$310.00}. The first deduction was electronically pulled from my account on XXXX/XXXX/2016. I received no email or written confirmation of this agreement nor did I receive a receipt. I had no idea, at first, what the charge was because all I saw was the amount deducted from my account. I call them in XXXX to request statements and complain about not receiving any. Then I was informed I still owed XXXX after I had already made 4 months of payments. I was also informed the representative that set up this arrangement did not follow proper procedures and that a 6 month arrangement was not an option, that I was supposed to make that payment in 30 days. I then informed them I would not be paying the new balance as that is not what I agreed upon. That day I spoke with XXXX different people from TransWorld. The last person I spoke to was a manager by the name of XXXX XXXX, phone number XXXX. I asked him to retract the recorded call in which I agreed upon the payment arrangement. That was The week before XX/XX/XXXX, he told me to call after the holiday. I told him I did not any more payments being deducted from my account until we figured out what was going on with my account. He assured me he cancelled any future payments. I called XXXX XXXX the first week of XXXX as I finally got my first statement in the mail from Transworld stating they would deduct XXXX from my account on XXXX XXXX. I called XXXX XXXX again to ask him why I was receiving this notice after I told him I wanted to cancel any further payments and he assured me it was just an automatic statement, and that the funds will not withdraw from my account. I also asked if he had heard back from the department that has access to the recorded calls. He said he did not, that he would give me a call tomorrow after he spoke with them. I did not receive a call from him the next day. It is not XXXX XXXX, 2016 and Transworld deducted XXXX from my XXXX XXXX XXXX account today. I am now canceling any future payments from this company with my bank and I want to take legal action.
|
| 10/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
In XXXX 2016 my credit card was charged {$1600.00} on my XXXX account for a delivery made from XXXX. My credit union cancelled the card and subsequently closed its investigation of the case in XXXX 2016 affirming to me in writing that a merchant error was made. In XXXX 2016 I received a collection invoice from the XXXX XXXX XXXX for the disputed debt. I followed the dispute process ( responding in writing upon receipt of the notification ) and received a letter ceasing collection efforts dated XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a collection notice from Transworld Systems Inc. for {$1600.00} plus collection fees {$220.00} for a new total of {$1800.00}. I called XXXX to inform them of the notification and they told me to call Transworld Systems Inc. and to reference their invoice number in order to access an email that XXXX would place in the XXXX accounting system regarding my account -- -apparently to bill the correct account. I called Transworld Systems Inc. and spoke to XXXX XXXX and she accessed my account and stated that I had been billed in error. She had information on who sent the order and who received and signed for the delivery ( a company from XXXX to a company in XXXX, KS ). I called XXXX back to report my communication with Transworld Systems Inc only to be shuffled from one section to another ( recovery to billing to fraud ). I called Transworld Systems Inc. this morning at XXXX MST and spoke to XXXX XXXX ( XXXX ) and she stated that Transworld Systems Inc. has closed out the collection process on me and my account citing that XXXX billed the wrong account. XXXX XXXX stated that I should not be receiving any further collection notifications regarding this false debt claim.
XXXX billed my account/credit card for this shipment. XXXX continues to send this disputed debt to collection agencies without due diligence to accounting protocols. I have called XXXX XXXX, XXXX ext. XXXX, and emailed ( at XXXXXXXXXXXX ) this XXXX agent handling my case and have not heard back from her. XXXX has not corrected its files and continues to pursue me for a debt that I did not incur. They are not responsive and their actions constitute fraud.
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| 12/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
XX/XX/XXXX REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Creditors account number XXXX EO Current balance {$31000.00} /Balance at divorce {$20000.00} XX/XX/XXXX To all concerned, Please be advised for the last couple of years we have been attempting to rectify wrongdoing. I represent My Daughter XXXX XXXX XXXX, I am on the contact list with her XXXX XXXX XXXX XXXX XXXX. The charges that occurred on this card were not made by XXXX therefore she should not be held responsible for this bill.
In XXXX this account was paid in full and closed, sometime towards the latter part out of the 2016 year and the beginning of XXXX it was reopened without consent, knowledge and/or authorization. All charges that occurred during this time are fraudulent charges. This is what the card owner has been trying to inform yall of. There have been multiple requests of proof of these charges.
When were these charges made?
Where were these charges made?
3, Where was any of the purchase delivered too if applicable?
What was received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are bills not any proof of purchase, what was purchased and where it was purchased. I will repeat these are unauthorized charges and XXXX XXXX XXXX if being extorted by the federal government.
These charges came to light during a messy divorce, and because XXXX XXXX XXXX knew these charges were made by him he agreed to pay the XXXX XXXX XXXX, and the debt was a part of the divorce decree. Unfortunately for XXXX and being ignorant of states and federal laws, and the fact that the divorce agreement was not honored by the credit card company. The victim of this fraud being exported for charges that she did not make and the astronomical interest that 'is accumulating.
The request is that the account be settled for the original balance of {$2000.00} and proof of payment be forward to XXXX XXXX XXXX so that she is able to file a contempt of court order against the guilty party XXXX XXXX XXXX. MOST important, this account must be taken off her credit report expeditiously, Please review and advices, thank you in advance Respectfully, XXXX XXXX XXXX, XXXX ( representative for XXXX XXXX XXXX )
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Transworld is violating my rights per the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ). I numbered some Transworld credit reports to refer to in this complaint.
First, I have sent multiple letters to Transworld on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, ( several letters attached and certified to this complaint ) requesting them to provide violation of the debt listed below. They have never sent all of the information per my request which means the alleged debt are reporting was not validated in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. XXXX have never send me the requested information. I am requesting validation not verification. Please send validation of these debts with the items listed below : Requested information : Copy of bills with details of how they arrived at the total Provide a copy/copies of the agreement/agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges Also, I sent about eight debt validation letters on the above stated dates in # 1 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information and allowing them to share this information with other parties. Please delete this information from my credit file and cease all collection activities immediately.
Lastly, their investigation took over 3o days and it is still incomplete because they never validated the account by sending all of the below items : I am the individual whose credit report this belongs to not a credit repair agency. As per the FCRA and HIPAA these accounts need to be deleted immediately because you are violating my rights per the FCRA and HIPAA.
|
| 06/07/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
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My student loan was sent to a collection agency in XX/XX/XXXX.
I have been making $ XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called Transworld Systems , Inc., the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my XXXX, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now.
On XX/XX/XXXX, I received a letter from Transworld Systems , Inc, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told Transworld, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just XXXX month of no payment since outrageous. Further, it is unclear if XXXX XXXX, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.
|
| 02/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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XX/XX/XXXX I received a letter from Transworld systems at home address on XX/XX/XXXX.
XX/XX/XXXX I did online research and discovered XXXX does turn over debt collection to Transworld Systems Inc.
Tried contacting XXXX at XXXX, told to call back during normal business hours, which werent given on phone line. Online research had local XXXX office is closed on Sundays.
Tried contacting Transworld Systems Inc at XXXX, told to call back during normal business hours, which werent given on voice mail.
Was able to put a freeze on my credit on the XXXX web site and discovered they work on Sundays. Called and was able to initiate a fraud alert and XXXX verified no collection history or unpaid bills on my credit record. Recommended contacting XXXX directly and if they cant confirm debt, report it as fraud to the local police station and when contacted by the XXXX Fraud line report status.
XX/XX/XXXX Called XXXX at XXXX, told me to call the revenue service at XXXX. XXXX XXXX XXXX confirmed that the invoice did exist, it wasnt for the amount in the Transworld Systems letter and it was paid in full. XXXX also confirmed my name wasnt on the invoice as the sender, receiver or in any other capacity. Without a tracking number, XXXX said they are unable to provide any additional information. I do not have an account with XXXX, XXXX confirmed no record of me owning XXXX money and in XXXX opinion, the letter is a scam.
I then filed a fraud report with the local Police on XX/XX/XXXX.
Spoke with XXXX on XX/XX/XXXX. XXXX initiated a fraud alert on my account for one year. Was informed the fraud alert could be extended for 7 years if I forward the police report. XXXX tried setting up a 3-way call with Transworld Systems Inc, and myself but Transworld redirected and placed us on hold and XXXX and I eventually gave up.
XXXX recommended filing a report with the Federal Trade commission, I followed a few links on line and hope this is going to the correct location and if not will be forwarded to the correct location. It is my wish that Transworld Systems Inc, doesnt scare and harass others into paying money that is not owed.
Thank you for your time
|
| 10/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Happy Friday TSI / CFPB ; I been getting inundated & abusive phone calls from TSI for unknown alleged debts from XXXX XXXX and XXXX XXXX. I never had any relationship with any of these companies listed.. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
|
| 12/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, XXXX XXXX shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in XXXX XXXX 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, XXXX concluded that this portion of the loan was never updated to XXXX XXXX from UAS XXXX, which is the loan provider XXXX XXXX used until XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from UAS to XXXX XXXX. On my credit report from XXXX, it is showing I still owe UAS that loan amount because XXXX has not gotten any updated loan information from UAS XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with UAS XXXX of {$2000.00}. XXXX informed me the only way this can be changed is if UAS XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called UAS XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with UAS XXXX because all of their loan accounts start with the same 3 numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with XXXX XXXX and this was the result. XXXX XXXX reached out to the contact information provided, but it is the contact information for XXXX XXXX, not UAS XXXX.
|
| 11/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Upon checking my credit reports I noticed that there was a collection account reporting to the 3 major credit unions. I sent in a letter to all 3 credit bureaus ( XXXX XXXX, XXXX, XXXX ) in regards to this collection account which I did not recognize and had no information on. XXXX deleted due to no validation, I received a letter from XXXX XXXX stating that the account had been verified. Also only receiving an itemized bill from Transworld Systems stating I lived at an address in XXXX ( I haven't lived there since XXXX ) and had a light bill in the amount of {$240.00} from XXXX when I have had the same electrical company since XXXX at the address I have had since XXXX, I then sent a certified letter to XXXX XXXX and Trans World Systems ( collection agency ) which were received on XXXX and XXXX asking for validation, how did XXXX XXXX validate said account? Who did they speak to etc. Trans World as well, since this definately didn't belong to me I was requesting more information than a falsified bill. I never heard back from TransWorld and only received a letter from XXXX XXXX stating that the account was verified. I called XXXX XXXX today and they stated that everything was done electroniclly and could not help further. I spoke to a supervisor by the name of XXXX XXXX and he stated that I would have to reach out to Trans World again even though they had 30 days to respond and still no response to this date. According to the laws I read up on for consumers I thought it was the responsibility of the credit bureau to investigate accurately since they are the ones reporting it. Especially since I sent them validation on how long I've had my current address. Collection agencies should not be able to get away with making false statements/bills to try and get consumers to pay bills that do not belong to them. As well as the credit bureaus should be held responsible for reporting false information. It states that we will be able to see detailed investigation results, including name an contact details of the source of the information on how the account was verified ... .no where does it state that information just states verified and updated.
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023 Transworld System INC was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights.
15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
|
| 07/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My debt is regarding a " Cleaning Fee '' in the amount of {$490.00} USD that is apparently owed due to my move-out. However nowhere in my lease contract states such cleaning fee or amount. I would have taken that in mind before even signing the lease, and make my own decision on to move in or not. I turned in my Move-out letter accordingly 60 days early as I was not renewing my lease. My Lease contract ended in XX/XX/XXXX, and I left the apartment in the same condition I moved-in. I'm a student and I had very little pieces of furniture. After receiving emails about the amount owed which at first was in the full amount of {$660.00} USD. I contacted the credit agency and asked what the fees were exactly. They weren't unable to tell me because they were waiting for a document to be submitted to them from the Apartment Complex. I contacted the apartment complex, and they weren't aware of anything. I called the Debt agency again because they had promised me they were going to once they received the itemized charges. They finally sent me a link were I was able to sign up and see what the charges were. I told them how outrageous and how there was no way I was going to pay some " cleaning fee '' when I know how I left the apartment. Also, taking in mind how the contract never disclosed such fee when you move out. I agreed to pay the other charges because they made sense to me, since on my last month living there my rent seemed to be a smaller amount that what I was usually paying monthly. So I went and gave them my credit card number and paid the other fees, which were mainly for Amenity fee {$0.00} USD, pest control {$7.00} USD, tenant rent {$61.00} USD, utilities admin chargeback {$12.00} USD, trash recovery {$11.00} USD, valet waste {$1.00} USD, sewer recovery {$23.00} USD, and water recovery {$50.00} USD. totaling {$160.00} USD paid on XX/XX/XXXX. I kept telling them that I was disputing the {$490.00} USD " Cleaning Fee '', because that was not part of the contract, and also because I left the apartment in the same cleaned condition I moved in to. I have contacted the Debt agency and they aren't able to do anything to make this right.
|
| 08/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Husband was taken to ER and seen by ER doctor before being admitted to the hospital. All claims pertaining to this admission have been paid correctly with the exception of the ER doctor. I believe the original claim was not filed correctly and the hospital was paid instead of the doctor. I have an EOB showing that the amount they claim due was paid to the hospital by our secondary insurance carrier less than one month after the claim was filed. I have been told on more than XXXX occasion that because my husband is the subject of the claim, but not a party to it, the information they can give me is limited. I have made XXXX XXXX XXXX XXXX phone calls to various entities and sent XXXX letter with copies of all pertinent information at my disposal in an effort to clear up this matter. It is my belief that the original claim as filed by the hospital was not done correctly and therefore the funds were paid to them instead of the ER doctor. Much to my dismay I have not been able to get them ( at least they have never told me they had XXXX to go back to the original filing by the hospital to determine if indeed this is actually the problem. If I am correct in this regard, then the hospital owes the ER doctor the balance, not us. I did check with Medicare and was told that they must submit all claims to the secondary insurer as shown on the paperwork submitted to them. When I spoke with the secondary insurer they did assure me that the claim had been paid in full but could not give me the check number ( again because my husband was not a party to the claim, just the subject ). They stated that they would be happy to correct any errors, if any, but the complainant must contact them by phone ( anything written would end up in the infamous " round file '' ). The complainant responded to me after I delivered this message that they could not contact the insurer by phone which seemed absolutely ludicrous to me. Any assistance you can give us in resolving this issue will be greatly appreciated.
The ER doctor 's organization was advised in XXXX 2016 that any further contact by them or effort to collect this debt would be considered harrassment.
|
| 07/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I went to XXXX XXXX XXXX in XX/XX/XXXX as a referral from my doctor for XXXX XXXX. I specifically put XXXX XXXX on the patient form for the reason of my visit. However, what I received was an eye exam and a re-diagnose that I have a XXXX. At the end the doctor told me he does not perform XXXX removal and I have to go to a different doctor. I was not charged anything during my visit and no one told me I owed anything. However, months later, I received a bill for my visit for {$200.00}. I called the office to inquire about this charge and they said it is the consultation fee. I was very shocked to find out I have to pay this amount for a consultation that was merely telling me I have a XXXX, which I already know before going to XXXX XXXX XXXX. They did nothing to remove my XXXX, and did not tell me how much the consultation would cost up front. I was already diagnosed that I have a XXXX and the reason of my visit was for the removal, not to re-diagnose and tell me they do not do any XXXX removal.
I attempted multiple calls in the following months to XXXX XXXX XXXX. They were very hard to reach due to their limited hour of operation. The billing specialist also told me to speak to the manager who was on vacation. After multiple attempts no one was able to address my issue.
On XX/XX/XXXX I called Transworld Systems Inc. The Debtor agency about this incident. They told me to contact XXXX XXXX XXXX directly. All I wanted is to settle the amount I owe at a fair price. I do not think being charged for merely telling me I have a XXXX, which I already know ( obviously ) is fair. Also, no one has disclosed me what the charge will be. Had I know I have to pay this outrageous amount for something I already know, no one in their right mind would agree to the service.
Today I tried calling XXXX XXXX XXXX again thinking they would've opened after the pandemic in last attempt to resolve this issue. However, their phone number is no longer in use.
They can not just send me monthly debt collection bills without attending to my attempts to settle or even trying to justify their collection.
I feel I have been scammed and unfairly treated.
|
| 09/18/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX. XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX. XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was on XX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX was the co-signer on the loan, XXXX. XXXX advised me that she spoke to my Sister n ' Law XXXX Hill whom is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX. XXXX advised her of my loan information, she stated that XXXX. XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX. XXXX from XXXX . While speaking to XXXX. XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan.
I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information.
Please help with this situation.
Thank you, XXXX XXXX XXXX
|
| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Background to the debt : I went to a XXXX XXXX XXXX near my home on XX/XX/XXXX because I left work throwing up and I needed documentation to miss the next day of work. I gave the lady working the desk my contact and insurance information and waited to get called back. After a few minutes, the lady I had spoken with informs me that the way my insurance works, I had to pay everything up front before I went back. I expected this, and paid with no issue. I was seen and went home. A couple of weeks later I received a statement detailing that I owed {$93.00}. I knew this was incorrect right off, so I called the number listed on the statement for XXXX XXXX XXXX and explained the situation to the representative. She apologized for the mistake and said I would receive a corrected statement soon. On XX/XX/XXXX, I received a statement in the mail that showed I owed {$0.00}. At that point I thought this was the end of it.
On XX/XX/XXXX I received a notice dated XX/XX/XXXX from Transworld Systems , Inc indicating their intent to collect a debt of {$93.00} on behalf of XXXX XXXX XXXX XXXX. The next day, I sent in a brief letter disputing the debt, as I 've already paid it. I included the statement that showed the {$0.00} balance and a bank statement that showed where I paid. I sent this certified mail. The return receipt indicates that this was received by TSI XX/XX/XXXX. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX indicating a debt of {$180.00} as " still unpaid '' with no explanation as to why it was suddenly doubled. Yesterday, I sent a second dispute to the new amount. When I got home from work, I discovered another notice from TSI indicating that I " still owed '' {$180.00} and suggesting that if I get a tax return, I could use it to pay the balance. This was dated XX/XX/XXXX, a day after my dispute was received, with no verification of the debt as I requested. Today, XX/XX/XXXX, I am sending a third dispute noting that I have filed this complaint as they have continued to contact me after receiving my dispute and to not contact me without verification of the debt that supersedes the statement I have that shows {$0.00} owed.
|
| 12/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing to express my dissatisfaction and concern regarding the debt collection attempts made by Transworld Systems Inc. ( TSI ) in connection with an account associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a response to my debt validation letter, which was sent by certified mail on XX/XX/2023, dated XX/XX/2023, and I would like to bring to your attention the inadequacies in the information provided.
In my debt validation letter, I specifically requested details about the authority to collect the debt. However, the response from TSI did not provide any information in this regard. To facilitate a meaningful discussion about the debt, I would appreciate your prompt attention to the following questions : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, kindly provide the reason for not having one. If so, please furnish the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
Furthermore, I would like to highlight that TSI has added its own personal interest charge to the debt, resulting in an inflated amount. It is my understanding that adding personal interest charges is illegal. The principal amount owed to XXXX was {$1300.00}, and according to the debt validation letter, the current amount owed is now {$2400.00}.
I insist that TSI rectify these discrepancies and provide the necessary information in compliance with debt collection regulations. Failure to do so may result in legal action to protect my rights as a consumer.
I request that you address these concerns promptly and provide a detailed response within 30 days from the date of this letter. Your cooperation in this matter is greatly appreciated.
|
| 04/05/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I had a re-payment agreement in place with University Accounting Services ( UAS ) /Younomics for a private student loan from XXXX XXXX XXXX
I was approved for a repayment agreement, however UAS never updated my account despite me contacting via phone and e-mail every 10-14 days for the past 8 months.
I filled out the paperwork they provided to get a new payment plan agreed to as I lost my full time finance job in XX/XX/XXXX when I was downsized due to Covid ( I was approved for unemployment for this reason ), sent it back to UAS, and was approved for a monthly payment amount of {$160.00}.
However, my actual account was never updated to the correct monthly payment amount, and based on past experience I was told if the payment made isnt for the correct amount it will not be applied to the lain correctly. I made it clear to UAS all they needed to do was update my account and I would make the payment. Each time I spoke with someone from UAS they told me they were looking into updating my account but never did, and no one from their company got back to me for the next 6 months. UAS documented every time I spoke with them which is saved in the notes of my account in their system. I also have emails and documentation which backs this up.
Even though my account was never updated to the correct re-payment amount per the agreement, I made a lump sum payment of {$1100.00} on XX/XX/XXXX which should have made my account current.
After making that payment, I again tried to contact UAS via email and phone to make sure the payment was applied correctly to my account multiple times over the next 2 weeks with no response from or action from them.
I was then informed on XX/XX/XXXX that my loan was charged off, despite my efforts the past 6-8 months AND making the outstanding payment that was due, and despite my account never being updated to reflect the updated re-payment agreement.
I made every effort I possibly could to bring my account current so I really need your help at this point to get my loan back to UAS so I can resume payment as previously agreed to, which Im happy and able to do.
Thank you, XXXX XXXX
|
| 01/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I received a phone call today from Transworld Systems Inc. Upon answering the phone, the representative identified themselves by their name only, not who they were with, and asked to speak with my husband. When I stated that he was unavailable and that I was his wife, and how could I help them. They verified that I said I was his wife and then proceed to tell me that they were a debt collector and that they were calling to collect a debt and that the call may be recorded. They proceeded to tell me the amount of the debt and who the debt was owed to. I then asked to speak with a supervisor. I explained to the supervisor what had happened and that I was not listed on that debt. I questioned how they had gotten my phone number since I had no part of that. The supervisor, XXXX XXXX, stated that they were trying to collect a debt and that it was not a violation to disclose that information to me. Mr XXXX said that he was looking at the Alabama State Law and that he was permitted to release that information to residents of Alabama. I informed him that we lived in Florida and he said that was the case also. When I mentioned the FDCPA, he stated that it was within their guidelines also.
Upon completing the call, I reviewed the guidelines, and my review indicates that it is a direct violation of the law for them to disclose the information concerning the debt to me since I am not listed on the debt.
I then called back and spoke to Mr XXXX ' supervisor, XXXX XXXX. After explaining the situation to Mr XXXX, he also insisted that they were within their rights to disclose this information to me. I informed Mr XXXX that this debt was being disputed, and we had never received a bill prior to the one that we received from them.
I am very concerned about this situation. I do not know how they obtained my phone number since, again, I am not listed as a responsible party for this debt. The methods that they used to obtain my number could have also obtained other numbers, such as his ex wife, and his personal, private information could have been disclosed to them.
My husband will be submitting a complaint also on his behalf.
|
| 08/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
During XX/XX/XXXX I was on XXXX and wanted to read an article and when I click on the article my computer screen was locked. On my computer screen I was told to call a certain telephone number to get it unlocked. I called the number and the person said you have a virus and we can fix it for you. But it will cost you {$380.00}. They then asked to log into my computer. I was told to make the check out to XXXX XXXX XXXX. which I did. They also gave me a mailing address. Then they wanted to take a picture of the check from my computer screen which they did. They also wanted a picture of my drivers license. They then got my computer up and running. They said they would call back in a week to make share my computer was OK. Then I thought they were going to charge my checking account twice, once for the actual check and then for the check they took a picture of. I called my bank and talked to the people in their fraud section. The bank froze my checking account and opened a new one for me. Neither of the checks were processed by my bank. I then started getting calls from XXXX XXXX XXXX and the calls came from different telephone numbers. I then deleted the external log in that I had given to XXXX XXXX XXXX Also, I reformatted my computer and added XXXX XXXX detection software. I ran the XXXX software and my computer was clean. Later I received a notice saying that if I did not pay the {$380.00} they would turn it over to a collection company. I kept getting calls from unknown numbers but I did not answer them. On XX/XX/XXXX I received a collection letter from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' They said they were attempting to collect a debt, that now totaled {$410.00}. The Original Creditor was listed as XXXX XXXX and the Current Creditor was XXXX XXXX, XXXX.
On XXXX XXXX, I received another collection letter this time from Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Pa XXXX, dated XX/XX/XXXX. They said they were attempting to collect a debt totaling {$410.00}. The Creditor was once again listed as XXXX XXXX XXXX XXXX Once again XXXX XXXX is trying to collect money that was a SCAM.
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
OK so out of nowhere, I started receiving letters about debts that were owed.
On XX/XX/XXXX, I received two separate letters from Transworld Systems with an attempt to collect a debt for $ XXXX. ** and then the other for $ XXXX. ** with outrageous late fees that were included with both amounts stated above.
The first letter stated as of XXXX XXXX I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** The second letter stated as of XX/XX/XXXX, I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** I contacted them because I thought it was from a doctor who got shut down by the Feds for fraudulent insurance billing, but then I figured out it had nothing to do with this doctor or the practice that was shut down. The only thing they told me about the dept was that it was for services on XXXX which would be impossible for reasons I can prove. Also, I have never heard of this company, nor have I ever been sent a regular bill from them either. So I have no idea where these depts are from, nor do they belong to me.
When speaking to the person on the phone, they were sarcastic and kept muting me, so it seemed no one was there or listening to what I had to say. They were unprofessional, making me think this was a scam or someone phishing for information. I pay my bills and pay them on time. So suddenly, getting two debt collector letters stating I owe some company I had never heard of over $ XXXX dollars seems like a scam. Then let 's talk about outrageous late fees on both statements ; I had never received any type of bill before this for this company, so why is this debit collector telling me I have a late fee of $ XXXX. ** with NO explanation of why there is late fee 's and where this debt is from other than a company I have never heard from. These letters ruined my day and caused me great stress and XXXX, and then when I called, they gave me no evidence or info other than services on XXXX XXXX.
I did XXXX this company and they have been sued many times for I feel my privacy and personal information were violated.
|
| 04/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Transworld Systems Inc has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. InXX/XX/XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XX/XX/XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from Transworld Systems Inc contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years.
I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from XXXX XXXX XXXX XXXX XXXX XXXX and it will take time, but I need to get this taken care of so I can move on.
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified letter to the 3 credit bureaus with regards to TransWorld System Inc. My specific complaint was the re-aging of the account. The original creditor is XXXX ( XXXX XXXX XXXX ), they are the local electric company.
This debt has been paid. Neither the collection agency nor the utility company dispute this fact.
I contacted XXXX and was told the original date of delinquency dated back to XX/XX/XXXX. I explained to XXXX that the creditor was still reporting this file beyond the 7 year statue of limitations. XXXX instructed me to contact Tranword System.
I contacted Transworld system and was told to challenge the inaccuracy on the report. I explained to Transworld I had already done so.
Transworld sent me a copy of the last bill XXXX billed me for, dated XX/XX/XXXX.
I explained to the Transworls agent, and several supervisors, that XX/XX/XXXX was the LAST date of delinquency and not the first. I was then instructed to call XXXX to get proof.
I called XXXX and spoke with several layers of supervisors. I explained that Transworld was reporting an incorrect date. They said to talk to Transworld. I asked XXXX to please send me copies of all my statements as proof that the original date of delinquency occurred in XX/XX/XXXX. XXXX agrees with my date. However, I was told that XXXX did a computer update XX/XX/XXXX. I was told my request was impossible as all statements of charged off account prior to XX/XX/XXXX have been permanently purged.
I'm stuck in a vicious circle of the original creditor and the collection agency both pointing the finger at XXXX another.
It is my understanding that the collection agency must verify this information. Transworld does not seem to want to take the time to understand my specific complaint. It appears all I get are computer generated templates.
Sending me a copy of the last bill XXXX has ever sent me is terrific. It's not what the complaint is. The complaint is SPECIFICALLY the date of first delinquency of XX/XX/XXXX.
Can you please help me resolve this and if needed can you guide me on how to sue this collection agency. Thank you.
|
| 05/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Sir/Maam, Good afternoon, we are submitting a fraud complaint on an account that was opened illegally and we are not receiving ANY assistance with Transworld Collection Agency. We have called them several times for the fraud packet and they still havent sent one to us and we have provided our address several times. The collection agency is contracted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ).
The first phone call to the debt collector was on XX/XX/XXXX ( XXXX ) and we told them that it was fraudulent account and we would like to resolve it and get back our federal income tax that was applied to the debt. After the last phone on XX/XX/XXXX they said they will mail a fraud kit out residence and it should take a few days. We immediately went to the police department and filed a police report of the fraud. Over a month goes by and no " fraud kit ''. Around XX/XX/XXXX we get a letter from Transworld thinking it was the kit, unfortunately it wasn't. It was actually a statement from XXXX with the statement and balance of the account and they want us to sign and agree that the balance owned is in fact true and we agree to it ; that is completely ILLEGAL and not what we spoke about on XX/XX/XXXX.
On XX/XX/2020 I called XXXX four times and I specifically asked for a supervisor/manager and the first representative said she will transfer me and all I got was " the number you have dialed is not in service ''. I called again with little to no assistance. The last call I was provided a number for Mr. XXXX XXXX at ( XXXX ) XXXX and I left a message to call me back ASAP ; it's XX/XX/XXXX and no phone call back from Mr. XXXX.
At the end of the day we just want to file a fraud report, get our names from this account and get back our federal tax return. This particular fraud is hurting us financially and also affecting jobs. Below are some details about the account.
Account # : XXXX Open Date : XXXX XX/XX/XXXX Online Balance Owed : {$7600.00} Address used to open/mailing : XXXX XXXX XXXX XXXX XXXX, NM Last Payment : XXXX XX/XX/XXXX Sent to Collection : XXXX XX/XX/XXXX Filed police report with XXXX XXXX XXXX, NM
|
| 12/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I believe I already paid off my medical expenses to XXXX XXXX XXXX XXXX XXXX on XXXX in XXXX Texas. In fact I was confused when paying initially months ago because I was apparently being billed by Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX, XXXX for the XXXX XXXX XXXX XXXX which I do not recall receiving a bill from.
Needless to say I was skeptical at that time because I never recalled hearing of this company, and XXXX XXXX XXXX XXXX ( XXXX ) never informed me about expecting them to bill me on their behalf. At that time I checked the information on the statement, talked to representatives at both XXXX and Transworld and believed I did sufficient homework to reconcile the charges and they appeared to be legitimate. So I payed the amount and later received a notice from Transworld that I over paid and I believe they sent me a riembursement check.
Now months later I am getting statements from Transworld again wanting to collect over {$1000.00} without any explanation. I believe I already paid what was due previously in good faith and they are trying to take advantage of me.
I work long hard hours and I believe they know most people are strapped for time and are too stretched to research ( all over again ) and they hope people will just pay.
Frankly, I do n't trust them and I am very stretched for time.
I am willing to pay legitimate charges for sure, but how do I know this billing is legitimate? Its been a while and no one from the hospital has contacted me, and there is scant evidence on the Transworld Statement to even begin to believe the charges.
There 's no history of past payment so I can not tell if they have done their homework and know if they are trying to charge me for the same service I already paid for.
I need some help! They need to show me why I owe anyone money. If I sent them a statement out of blue, or to anyone for any reason, why would any rational person or business expect a payment for something that had no explanation for a service that supposedly occurred in the past that you barely recollect and believe you already paid for. This is insane?
|
| 02/27/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
My debt is from an emergency room visit that occurred after my health insurance had expired. long story short the doctor that " treated '' me failed to do a XXXX associated with the condition and symptoms i was exhibiting and i was admitted to the hospital with XXXX in the weeks following. I was hospitalized and XXXX for quite some time. The bill in question was unchecked and thus went into collections, however i was never notified of this. I have never received any correspondence through mail, email nor received any phone calls regarding my debt being placed into collections with Transworld Systems. The only reason i ever became aware of it being in collections was seeing it appear in my credit report. Since discovering it i have had it disputed and removed from my credit report only to have it reappear a few weeks later. I disputed it again and this time it was not removed. it was after this i received my first and only contact from Transworld Systems which was a letter attempting to validate the collection. In the letter it provides a website of theirs to use in an effort to resolve the issue. The website however requires registration to gain access. And registration is only possible with a registration code that is supposed to be provided prior to being directed to the website. Which was never provided to me. There is a phone number listed to contact as well which i have attempted to call NUMEROUS times however no representative has ever answered. A prompt plays and asks you to hold until a representative is available however after roughly 3 minutes and 30 seconds the prompt replays and at 3 minutes and 54 seconds the line disconnects. Every single time. The situation is asinine and i want to resolve it as my credit is being severely ruined by these shenanigans and with no way to communicate it is infuriating and incredibly unfair. I researched this company and from what i have read i am far from the first person to be taken advantage of by them. An outstanding number of reviews and testimonials were incredibly negative and if they are true Transworld Systems should be subject to legal action.
|
| 10/18/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
As seen in the copy of the attached Letter Re : Collection Attempt on Behalf of XXXX XXXX, dated XX/XX/XXXX ( the " Letter '' ), the attempted collection action is ( i ) inaccurate, ( ii ) fraudulent, ( iii ) time-barred, and ( iv ) illegal.
First, the alleged amount owed stems from bad-faith corporate acts meant to scam customers out of money for a company 's own failings that occurred in XX/XX/XXXX. This has previously been dealt with ( see Exhibit A of the Letter ) as of XX/XX/XXXX. I had set up autopay on my electric account and they had previously billed it monthly. For some reason, they decided not to do so in XX/XX/XXXX and instead tried to hide the fact by failing to communicate with me so I incurred late fees. These acts were, at best, grossly negligent, or, at worst, intentionally fraudulent and committed in bad-faith. Either way, the Letter was sent to their collectors in XXXX and this issue was resolved at that time with no further action -- likely because they realized the illegality of their activities and the malfeasant nature of XXXX XXXX 's actions.
Second, XXXX XXXX was notified of this back in XXXX and this issue had previously been resolved. Now, they have fraudulently reported that the amount was owed in XX/XX/XXXX -- a deliberate attempt to circumvent Texas law that time-bars their collection ability. Texas law time-bars collection activity after XXXX years. Accordingly, had they admitted the original date -- XX/XX/XXXX -- they would not have been allowed to report the collection item. Accordingly, they intentionally misrepresented that an amount was owed as of XX/XX/XXXX in a facially transparent attempt to circumvent the law.
Third, as XXXX XXXX was previously notified and this issue was dealt with, combined with the fraudulent reporting date, this act is fraudulent and illegal on its face.
Formal notice has been sent to their collector agent, XXXX. However, given the unscrupulous nature of their fraudulent activity thus far, I'm ensure all available actions are taken to get this collection amount removed from my credit report and see to it that their fraud stops.
|
| 08/10/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Thursday, XX/XX/XXXX XXXX XXXX When I was in XXXX school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, XXXX, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in XX/XX/XXXX ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a XXXX and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked XXXX to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am XXXX XXXX ). Which I consider to be a threat made simply because I asked questions.
|
| 08/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
I had vehicle insurance through XXXX XXXX XXXX. As a Michigan resident, I was able to opt out of the additional XXXX XXXX XXXX because I have Medicare & private health insurance. I did find the form that I filled out just before the 6 month time period to renew opting out and I mailed it to the local agent in town. I didnt think that I filled it out because my sister was dying, then I found my tablet that I wrote it in that I had mailed it. I later found tout that it is a tactic of this company to say that they dont receive them so that they can charge exorbitant fees. Two of the vehicles on the policy shouldve been in storage, only one was. One vehicle they raised the price for insurance 145 % and another one was 158 %! The agent also wrote a separate policy for XXXX XXXX for recreational vehicles, when I wanted to pay up front for the 3 of them he said, you dont have to, theyll take the payment out electronically every month. He lied, they put them on 3 separate policies and charged a separate {$5.00} fee for each one, not to mention he told me that I didnt have to put any of them in storage because thats the price you pay all year long! Again he lied, for what I paid for one year, I couldve covered them for almost 3 years! A manager at XXXX XXXX told me that they can take whatever amount they want out of my checking account and I told them I revoked my permission, so I had to have my debit card cancelled and reissued to prevent them from carrying out their threat. I paid what I owed, now they said I owe them an additional {$530.00}. I told them it was paid in full and I dont owe anything more. I asked for an itemized statement several times and they refuse to send one. All they sent were separate envelopes with different amounts, thats it,? it was not what I requested on several occasions. Now they turned it over to a collection company and they said they will ruin my credit if I dont pay it! I am a XXXX widow who lost my husband in a tragic accident and I live on a fixed income, I wont let them try to extort money from me illegally! The collection agency is TSI Transworld in XXXX, DE.
|
| 02/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar verification is unacceptable.
Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
|
| 10/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I received notice of statement in mail dated XX/XX/2021 for {$40.00} for services I received from XXXX XXXX XXXX at the XXXXXXXX XXXX MD XXXX XX/XX/XXXX on XX/XX/XXXX. I paid right away on XX/XX/2021 using the Pay Online : XXXX and received an email : Your payment has been successfully processed. The payment was withdrawn from my checking account on XX/XX/2021. I received another statement dated XX/XX/2021 for the same services. On XX/XX/2021 @ XXXX XXXX EST, I called the billing department at XXXX and spoke with a female representative. I informed her I have already paid this bill and provided her the date, transaction email and bank statement. She said she would take care of it. I received another statement in the mail dated XX/XX/2021. I called on XX/XX/2021 @ XXXX XXXX EST and spoke to the same female representative again inquiring why this claim has not been updated. She said, I did not send her the information. I forwarded the email that I sent her while she was on the phone. She said, they do not have record of the payment because there are two different systems and the payment possibly went to the XXXX XX/XX/XXXX. She instructed me to call XXXX XX/XX/XXXX and ask them to refund the money and then pay them. On the same day, I contacted XXXX XX/XX/XXXX at XXXX and sent an email to omfa.gwa.edu @ XXXX EST. The male representative was unable to see any records for me. He looked up records based on my name and SSN. I received a notification in the mail dated XX/XX/2021 from Transworld Systems Inc. to collect the {$40.00} debt as reported by XXXX XXXX XXXX. I called this company on XX/XX/2021 on XXXX @ XXXX XXXX EST. I gave the representative the Transaction ID and Approval Code from the successful email. I was told Transworld would notify me in 30 days of their findings. On XX/XX/2021, I received a letter from Transworld Systems Inc. requesting me to send materials to valid my claims. I sent all the information by certified mail via USPS on XX/XX/2021. I received another letter in the mail from XXXX XXXX dated XX/XX/2021 enclosing a copy of the debt I owe and requesting payment.
|
| 11/14/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
A loan was taken out in my name in XXXX, XXXX through XXXX XXXX. I was the borrower and mother was the co-borrower. This loan was taken out for {$27000.00} so I could complete my XXXX college education at XXXX XXXX University. Upon my graduation in XXXX, XXXX I had started to make the monthly payments with the loan servicer, XXXX. Due to lack of steady income I eventually defaulted on my loan and it was sold to multiple debt collectors over the years. Over the years since XXXX, I attempted to pay what I could on this loan. I was still never able to make the minimum monthly payments over {$500.00} for this loan so my loan continued to get sold to different debt collectors. From XXXX, XXXX through XXXX, XXXX I had been working with the debt collector, XXXX XXXX XXXX and making monthly payments between {$100.00} - {$300.00} until I lost my job in XXXX, XXXX. XXXX XXXX XXXX told me they would continue to work with me if my situation changed. I got a job in XXXX, XXXX and called XXXX XXXX XXXX to start making payments again. However, when I called I was told that my loan was no longer with them and they did not know who it was with. Today, XX/XX/XXXX I received a letter in the mail from a law firm reaching out to help me with a lawsuit that has been filed against me by XXXX XXXX XXXX. I have not been served or summoned so this advertisement I received from the law firm was my first knowledge that I was being sued by XXXX XXXX XXXX.
I believe that XXXX XXXX XXXX is using deceptive collections practices by filing a law suit against me more than 10 years after I defaulted on this loan. The statute of limitations for private student loans does not exceed 10 years in most states. I took this loan out in XXXX and defaulted on it more than 10 years ago. By getting me to work with debt collectors and making fruitless payments in hopes that this would not happen, they have deceived me so that the statute of limitations re-started for them and they were able to file a lawsuit against me.
For reference, my loan started at {$27000.00} in XXXX, XXXX and is now at {$44000.00} to date ( XX/XX/XXXX ).
|
| 06/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is to dispute Transworld Systems Inc. reporting to XXXX that I currently own them {$2400.00}. I actually only owe {$110.00}, which I would gladly pay to them if they would merely communicate with me, which they have thus far refused to do. In fact, I was unaware that this matter was pending until I reviewed my XXXX credit report to discover why my credit report score had decreased dramatically. On XX/XX/XXXX, I wrote them a detailed letter with attached exhibits proving that I do not owe a lease contract buy-out fee in the amount of {$2300.00}, as they allege. However, after not hearing back from them for over one month, I sent them a second dispute letter, but this time in a manner with the United States Postal Service ( USPS ) that would require them to physically sign for it. As you can see on the attached USPS receipt ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ), I sent it to them on XX/XX/XXXX. If you run this tracking number, you will see that it arrived in their local post office on Monday, XX/XX/XXXX. As of the date/time of this complaint ( XX/XX/XXXX, at XXXXXXXX XXXX ), they have still refused to sign for my second dispute letter to them. My complaint is that Transworld Systems Inc. has never made an attempt to reach me. When I moved out of the XXXX XXXX XXXX XXXX apartment complex on XX/XX/XXXX, I left them my accurate and still current forwarding address at XXXX XXXX XXXX, XXXX, MO XXXX, which means that Transworld Systems Inc. should have had it also. My complaint is also that Transworld Systems Inc. ignored my first dispute and is currently ignoring my second dispute by refusing to pick it up at their local post office. I find it highly unethical and just wrong to report the blatantly and demonstrably false information on my credit report, even after my mailing them proof positive that I do not owe this fee. A simple reading of my dispute with attached exhibits proves beyond all doubt that I do not owe the lease contract buy-out fee of {$2300.00} that they reported. They merely refuse to address this matter with me and refuse to respond to my disputes.
|
| 03/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX I received a call from XXXX XXXX XXXX a young lady name XXXX who stated she was calling from Transworld System on behalf of XXXX XXXX XXXX XXXX XXXX. She went on to tell me this was an attempt to collect a debt. Confused as to what she was talking about I questioned, what debt? I have no outstanding debt and vacated the XXXX XXXX XXXX XXXX XXXX accordingly back in XXXX, following the expiration of my lease. She was unable to provide me dates as she stated she did not have any supporting docs on file. I sincerely thought I was being prank called as she was unable to provide any validating information and not to mention, this was the first I had ever heard of this. I further asked IF this was true, why would they wait almost 5 years to attempt to collect. She stated theyve made attempts at contacting me but were unable to locate a number for me. Thats bogus I told her. Just as she was able to dial my number and get me, they would have been able to do the same but they didnt. As a matter of fact, my number has not changed its been the same for over 7 years, so that was a lie.
She went on to tell me that XXXX XXXX XXXX XXXX XXXX is alleging I owe for missed payments/rent ( back rent ). I asked when did the miss payment take place? She was unable to provide me dates as she reiterated, she did " not have any supporting docs on file. '' Yes, I resided at XXXX XXXX XXXX XXXX XXXX and vacated in XXXX when my lease expired, never having missed a payment. It's been nearly 5 years, of course I'm no longer in possession of rent receipts. I'm sure they expect this. Therefore, I requested from her an itemized statement. Instead, on Friday XX/XX/XXXX I retrieved a letter that they were collecting a debt and I had 30 days after receiving the notice to dispute. Surely, Im disputing this with Transworld Systems Inc but I also ask that The Consumer Financial Protection Bureau intervene as this company is threatening me with a falsified debt that is not only fabricated ( or possibly misdirected ) but outside Maryland statue of limitations ( 3yrs ) in which action can be brought.
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This complaint is against University Accounting Service ( UAS ). On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University in order to rectify this situation.
This Monday I received an email from XXXX University where I was informed that UAS is my loan servicer for the Perkins Loan and I should contact them.
Upon calling UAS I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate reporting.
|
| 05/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received a loan that was serviced through UAS XXXX for some of my prerequisites for graduate school, which I am currently attending. Nearly two years after I completed those prerequisites, I started to received repetitive emails from this foreign loan company ( UAS XXXX ) when usually my loans are done through FAFSA. They kept reminding me that I needed to complete an Exit Interview ( again, nearly two years after I received the loan ). I thought that this must be a mistake, and then I started receiving emails for missed payments. I didn't even know if this company was legitimate or some kind of scammer because of the time lapse and because usually loans are done through FAFSA.
The next thing I know, I checked my credit score a few days ago, and they reported a delinquent charge to my account without any warning or adequate help in finding the link for this " Exit Interview '' ( I asked them for clarification multiple times, and I never got the information that I needed on where to find the Exit Interview on their website. It doesn't seem to be listed. It just takes me straight to a " payment page. '' They didn't really care, even though I am still taking out loans to attend graduate school now. Anyway, my credit score dropped by over XXXX points because of their delinquency report! I have since sent them a proof of enrollment verification for my deferment. I called them to ask for more information about all of this, and the person on the phone wasn't helpful or knowledgeable about it at all.
I would have appreciated any kind of option to make a payment or more sufficient warning before they reported to my credit score. Since that happened, I have contacted them asking them how to resolve this issue and have it removed from my credit report, and they haven't responded, just continually and repetitively giving faulty information on how to find this missing " Exit Interview '' on their broken website.
I think UAS XXXX is a predatory loan servicer that should be investigated and prosecuted for how they damage the credit score of students who are still attending school.
|
| 08/28/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/2018, my first payment on my Federal Perkin 's Loan was due. I had received no notifications via mail, email, or phone call from the creditor, XXXX University, to alert me that my payment was due. I missed payments for XXXX, XXXX, XXXX, and XXXX of 2018. I found out through my credit card company my credit score had decreased due to missed payments in XX/XX/2018. Upon further investigation, I found out from XXXX University 's bursar office that notices were being sent to an old address in XXXX, DE instead of my current address. As a student of XXXX University for 7 years, I had to update my address across all my accounts yearly. Therefore, I am certain that my address was up to date and that notices should have been sent to the updated address. If there was a mistake in addresses, other notices should have been sent to me in the forms of emails or phone calls in my opinion. At the time, I was content to pay the late fees and continue with my payment plan. Since then, I have had a spotless record of on-time payments. However, I now wish to refinance a car loan, but can not obtain decent offers due to my credit score. I reached out to XXXX University 's Credit and Collections department to discuss the situation and to have the late payments removed. After accepting financial responsibility for the missed payments and expressing my belief that my current credit score does not represent my creditworthiness and commitment to repaying my debts, I was told there was nothing they could do. Due to the fact that a late payment can affect your credit score for 7 years, I feel this is unfair. With that being said, I also feel the creditor is acting unreasonably as I was not notified about the loan payments being due, even though the creditor had multiple options to reach me. I have attached bank statements for the months of XXXX, XXXX, XXXX, and XXXX to provide evidence that I was not in a financial hardship and could pay the payment due. Please refer to the beginning and ending monthly balances. There is no other reason I was late on the payment except for not being notified.
|
| 03/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX with Transworld Systems Inc. called and left message regarding a debt they feel belongs to someone with a name similar to mine. I returned XXXX 's call and spoke with XXXX. XXXX never voluntarily disclosed that we were speaking on a recorded line. I had to ask twice before she told me that call was recorded. I provided XXXX the file number and she wanted me to self identify with personal data. I demanded Transworld Systems Inc . Cease and Desist with emphasis that we were speaking on their recorded line. She was not willing to honor my demand because I refused to self identify in order to verify my personal information, proving I was the person in question. I asked her to tell me what information she had and I would verify hers. XXXX refused to cooperate. I demanded that she contact me in writing.. As I felt completely suspicious of potential fraud. I asked her to mail me documents which her organization has that created said debt. XXXX told be that was not possible because they could not verify my identity. I am not aware of the matter in question. I need a signed promissory note with my signature to prove they have legal standing to contact me regarding this matter. In addition, I filled Bankruptcy, therefore Transworld Systems Inc. needs to contact my attorney. XXXX, Attorney at Law in XXXX, CA. to discuss this matter. Again, this matter causes me great anxiety being that the representatives of Transworld Systems XXXX Inc. are called me randomly without concrete proof they 're calling the debtor of interest.
has called me out of the blue despite a bankruptcy, and they have an expectation for me to provide them with personal information that puts my identity in unknown hands. They 've contacted me on a recorded line without revealing the call was being recorded ( proof of this lack of disclosure available upon request. ).
collector has grossly violated my rights under the Fair Debt Collections Act. I do not know why this entity has contacted me. I do not have any business with them. They do not have permission to contact me. This was an unwelcomed/unsolicited call.
|
| 11/23/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This company did NOT send me all the validating information that I requested, instead they decided to just send a bunch of statements to " prove '' that the debt is mine which is a clear violation of the fair debt collection reporting act. Additionally, I requested a specified cease of communication for the account # XXXX to which they also did not comply with. This further violates the FDCPA to which I am willing to take legal action. In my validation request I demanded that they show me proof that I had indorsed a contract/instrument with Transworld Systems Inc to which they did not provide. I also asked that they send me the entire purchase agreement, which they did not provide. I ask them to send more validating data pursuant to 12 CFR 1006.34 which again they did NOT provide. Furthermore, Transworld Systems Inc reported this information to consumer reporting agencies ( to whom they call business partners ) without validating the alleged debt first which is a complete violation of the fair credit reporting act. To be more specific 15 U.S. Code 1681s-2. It is clear that Transworld Systems Inc does not care about the federal laws set forth by congress and is willing to break the laws in order to make a financial gain. Instead of honoring my cease communication notice, they decided to just mark it as " disputed ''. This violates 15 U.S. Code 1692c ( c ) which states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. These are unfair practices that they are using to clearly harass, oppress and abuse me. I will be submitting a complaint with my state attorney general in addition to this cfpb complaint. If this matter persists, I will seek litigation for damages.
|
| 02/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Dear Sir/maam Subject : complaint about unlawful collection activity of a credit card, & collection agency.
Being a dentist, I had no source of income for months ( 6 ) last yr, due to covid mandatory shutdown.
but XXXX XXXX kept calling, emailing me for monthly dues.all credit card cos were required to offer a deferral programme.but this is the only credit card, that did not even have a deferral programme. they only waived late fees for 2 months, and kept charging me even late fees??
I talked to them couple of times, once the agent said, its ok if I cant pay, they will stop the collection for a period of time. But they never did that, only kept adding late fees, and sending me monthly bills, month after month.shockingly, they were mean enough to call me all the time, even on my home phone, and disturb sleep of seniors at home!
Due to their lack of total sensitivity, I stopped even trying to talk to them.whereas, all other credit cards cos, have been humane, and offered my deferment plans.and I am paying them all on time now.
I do know, that all credit cards cos were supposed to offer deferment plans, to those effected by lockdown, and total loss of income.but, XXXX XXXX had no such plan??
I am also head of household, so any effect on my credit score adversely effects the whole family.its not even my fault.
my office was closed again since XXXX XXXX, due to very high covid cases in this county.
i am trying to take baby steps to re-open, but not much business.it will take few months to even get business back to where i can afford to pay essential bills.
dont forget, i have to file taxes too.
all the late fees added so many times ( aleast 6 times ) need to be removed.
i can only think of paying sometime next yr, in 2022, not this yr.
Finally, XXXX XXXX was quick to transfer my acc to a collection agency.i just can not can not afford to pay this years sir. Have soo many urgent bills like electricity, food, gas, rent,,, to pay first.
I have seniors at home too.
I have no choice to file a complaint about this ongoing harassment.
Thanks XXXX XXXX XXXX credit # XXXX
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
We had a XXXX XXXX XXXX on our rental for years. We used the service a few times and any expenses or monthly costs were automatically paid by a valid credit card on file. Services had not been used in the last year and no notification of outstanding debt was ever sent.
After we did much work to our rental, we decided this home warranty policy was no longer needed.
XX/XX/XXXX - I went to the vendors website per their annual renewal notification and put in writing ( via their email contact system ) that I no longer need the policy, no errors were given but a confirmation was not also received.
XX/XX/XXXX - I called the company via their Customer Service and asked them if they processed my cancellation that was due to renew on XXXX. I spoke with XXXX XXXX and he checked everything and saw a service fee of {$75.00} that he checked our history and no work had been performed that would warrant an outstanding fee and was unable to reference it to anything. He went to clear the charge and then it changed to a cancellation fee on the description. He was unable to clear the charge and said he never saw that happen before. He told me he would be sending the issue to someone internally for he did not have the ability to override the charge.
XX/XX/XXXX - I received a confirmation that my XXXX XXXX policy was in fact cancelled as of XX/XX/XXXX ( day of autorenewal ) via email, even though we spoke on the phone XX/XX/XXXX about unsuccessfully trying to cancel it prior. I responded and overviewed my conversation with XXXX.
XX/XX/XXXX - Received a debt collector notice from Nationwide credit Inc. basically trying to collect. I was out of the country and literally returned the day after they said I had to respond ( XX/XX/XXXX ).
I have not contacted either company since this is well documented and they just need to fix their system to reverse the bogus cancellation charge. Please contact me directly if you would like to get copies of anything I have collected. I have read other complaints on how this company preys on older people and makes cancelling their services impossible.
|
| 01/25/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On Saturday ( XX/XX/XXXX ) - I submitted a payment for the amount of {$1700.00}, which is the LAST payment of the XXXX XXXX accounting interest and principal - On that day the website went into an error ( attached ), unaware if the payment went through ( due to no confirmation email or website payment activity ) I tried again.
- The next day ( XX/XX/XXXX ) I logged back to UASConnect.com ( lender website ) to check payment activity and noticed that the payment DID actually go through ( XXXX {$1700.00} ). I called the lender but customer service did not work over the weekend and my bank had no way to resolve it either.
- On Monday ( XX/XX/XXXX ) I called the bak ( XXXX ) to help me reverse the payment since I do not have the funds for those duplicate transactions. The bank places a stop payment on the lender for the payments to not go through.
- On Monday ( XX/XX/XXXX & XX/XX/XXXX ) I called, emailed and secure message the lender to ask to reverse the duplicate transactions. the lender resolve was that " As per process the overpayment amount of {$3400.00} for your loan id. XXXX under XXXX University will be automatically refunded back within 45-60 days. Thank you! '' However, I mentioned to them I DO NOT have the funds to cover the duplicates and my account will be negative incurring fees if they do not expedite the process.
- On Wednesday ( XX/XX/XXXX ) the payments go through. The bank bounced one of the three payments, however 2 were made to the lender. I called the lender again to please ask for a reversal of the ACH payment due to insufficient funds, no resolve. I called the bank and was advised to open a dispute to see if the lender can provide the funds back.
Summary : My account now has a negative balance due to the lender lack of ability to reverse what is clearly duplicate payments, as well as the bank allowing my account to overdraft by more than {$1000.00} without my account having those funds and their inability to reverse ACH transactions that are clearly duplicates.
I have attached : Bank statement, lender statement and lender website error.
|
| 10/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In early XXXX, I contracted with XXXX to send a package. The charge for this service was {$210.00}, per XXXX invoice # XXXX, with a date of XX/XX/XXXX.
XXXX NEVER delivered the package to the recipient, so I disputed the charge it made to my XXXX card, and I received credit for it.
In XXXX, XXXX, XXXX told me it would close my XXXX account unless I paid the {$210.00}. To keep my account open, I capitulated. I paid the amount on XX/XX/XXXX by my XXXX card. Attached in the .pdf file is not only proof from XXXX that I paid that amount, but an email from XXXX acknowledging that I paid that amount and referencing the invoice number ( page two of the XXXX email ).
Despite the XX/XX/XXXX payment, XXXX again in XX/XX/XXXX told me they would close my XXXX account unless I paid that invoice. I called XXXX, and spoke to a male representative who called me a liar when I told him the invoice had been paid and I was looking at proof of that payment on my computer screen. He took my XXXX card number, but rather than confirming payment, he charged me the same amount again! He insisted this additional charge was proper, simply because XXXX had put a new invoice number on the old bill, and insinuated that XXXX could continue to put new invoice numbers on old bills and collect repeated payments.
I disputed that second, fraudulent charge with XXXX, and received credit for it.
Despite all of the above, XXXX referred the PAID {$210.00} debt on invoice # XXXX to debt collection. See the letter from Transworld Systems Inc., specifically referring to that invoice number, and the XX/XX/XXXX invoice date, corresponding exactly with the XXXX Invoice History ( though for inexplicable reasons, the amount differs a bit ) and the email from XXXX confirming payment of that invoice in the invoice amount.
I contacted Transworld Systems on XX/XX/XXXX and provided them with this information, and they indicated they would resolve the matter, but whether they do or not remains to be seen. Regardless, XXXX XXXX actions are beyond inept. They are reprehensible, if not outright fraudulent.
|
| 09/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent TRANSWORLD SYSTEM this document certified mail and TRANSWORLD SYSTEM did not send the requested documents asked for in the validation request I mailed. TRANSWORLD SYSTEM sent me a document that was typed out on a plain piece of paper with TRANSWORLD SYSTEM logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe TRANSWORLD SYSTEM. Anyone create anything from a plain piece of paper. The response TRANSWORLD SYSTEM sent to CFPB is bogus! I know my rights as a consumer! Transworld system is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for TRANSWORLD SYSTEM has violated FDCPA laws!
|
| 09/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am a former student of XXXX XXXX XXXX XXXX XXXX. I graduated in XXXX of 2016. A few months ago I check my credit report with XXXX and saw a late payment added to my report by XXXX. The total for that loan was {$120.00} broken down into increments of {$39.00} per month. I was shocked, to say the least because I was not aware of any student loans that I did not have an account and payment plan already set up. I contacted XXXX knowing this must be a mistake. I was transferred to the student account headquarters in XXXX where I spoke with a representative and her supervisor. They informed me that this was a federal loan that needed to be paid to XXXX. I questioned why I needed to pay them for a federal loan when I already am paying with a federal account setup and I was told I have no choice. They told me this payment needed to be made to XXXX XXXX XXXX XXXX, a third-party company that they use to collect payments. I questioned why I was not informed of any of this prior to the beginning of the payment term, no letters, no emails, yet late payments were reported to my credit. The representative apologized and mentioned that her supervisor said if I pay the amount in full and dispute the late payment through the credit bureau, then XXXX and XXXX XXXX XXXX XXXX would remove the late payments from my credit report. I have done exactly that, however, they refused to remove the late payments. I have contacted both organizations and they still can not explain why I was not informed of this loan payment 's expected date. They lied about their willingness to remove the late payment from my credit report after I paid in full. Throughout my communication with them, their representatives have sometimes been very rude and disrespectful. XXXX has proven to be a very dishonest organization. They were recently sued by the federal for XXXX XXXX dollars and they continue to be dishonest. Those late payments were the first ever on my credit. My credit score has dropped tremendously as a result and I am unable to do the necessary things to establish my life as a young professional.
|
| 08/07/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/18 : Loan company created new loan account and sent XXXX dollars of loan that I don't owe. ( I had preexisting loan with that company with balance XXXX dollars ). School or loan collection company did not notify me of sending this loan before hand, I happened to see it when I logged in to check my preexisting loan. Since then, I called collection company, school, and XXXX ( I was working with the XXXX to pay off my preexisting student loan ) to get to the bottom. School admitted that they sent the loan wrongly to the collection company without realizing that I have been working to pay off my student loan past 2 years with the XXXX since graduation of school. School said that they will contact the collection company and fix the issue.
XX/XX/18 collection company negative disbursement the principal XXXX, account still had a balance of XXXX dollars of interest from the principal that I don't even owe. I called the school and collection company XX/XX/18 contacted both collection company and school to resolve issue of remaining interest it should be XXXX.
XX/XX/18 account now has balance of XXXX dollars, I contacted the school and called the collection company.
XX/XX/18 I contacted the school and I sent private message on the collections company website asking them to resolve issue.
XX/XX/18 I contacted the school to ask for updates or if they hear from the company XX/XX/18 I emailed the school XX/XX/18 I emailed the school XX/XX/18 I emailed the school asking for updates.
XX/XX/18 I sent private message on the collections company website asking them to resolve issue.
Since mid XX/XX/XXXX I stopped calling the collection company because their call center people refuse to connect me with upper management or account specialists who handle my problem and keep repeating the phrase the issue has been forwarded to account specialists.
School forwarded the correct documents for the incorrectly sent loan account to be XXXX out. The company needs to update my account, but has not done so for long time Today there is still XXXX dollar of balance left XX/XX/18
|
| 06/11/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft. Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/27/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
Servicemember |
|
XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment.
For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent.
I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments.
I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend.
Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month.
Neither of the XXXX other major credit reporting agencies noted the account as delinquent.
The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.
|
| 12/03/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accor dance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/08/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -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 XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD 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 ON XXXX/XXXX/XXXX - 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 XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES.
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
|
| 06/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My complaint is in regard to a letter I received from " Transword Systems Inc. '' seeking to collect a debt which I have already paid.
Brief backstory : From XX/XX/XXXX to XX/XX/XXXX I rented a vehicle with XXXX XXXX through their program with XXXX. On Saturday XX/XX/XXXX I returned the rental vehicle to XXXX XXXX. The employee with whom I returned the vehicle explained to me that since it was Saturday, the staff who handle their XXXX vehicles were not in that day - and that I would be called on Monday XX/XX/XXXX to resolve any outstanding balance. Monday came and around XXXX XXXX. I realized I had not been called by XXXX, so I called them and spoke to " XXXX '' about paying my outstanding balance. I told him that I had sufficient funds in the debit account which they had on file, and he said that he would attempt to make the charge and then call me back. He never called back, nor was I charged. On XX/XX/XXXX (XX/XX/XXXX ) the two deductions were finally made from my debit account ( one in the amount of [ {$110.00} ] and a second in the amount of [ {$180.00} ] totaling [ {$290.00} ] by XXXX XXXX.
Complaint : On SaturdayXX/XX/XXXX I received a debt collection letter dated XX/XX/XXXX from " Transworld Systems Inc. '' on behalf of " XXXX XXXX ''. This collection letter is dated 20 days after XXXX XXXX deducted the exact same amounts from my debit account. The letter claims : " CURRENT BALANCE DUE : {$290.00} This Balance is a Sum of Balances from 2 Account ( s ).
See additional page ( s ) for account detail. '' On the additional page with account details, the following balances are listed : " {$110.00} '' " {$180.00} '' In short, on XX/XX/XXXX - two deductions were made from my debit account by XXXX XXXX for the exact amounts and total above ( one for {$110.00}, and a second for {$180.00} - total of {$290.00} ). 20 days later, Transworld Systems Inc. dates a debt collection letter to me on XXXX 's behalf for these exact balances which I have already paid. I can provide a bank statement showing the date and amounts withdrawn from my account by XXXX.
|
| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Under 15 USCA 1692 c of the Fair Debt Collection Practices Act, this is my formal notice for you to cease all telephone calls except for those permitted by federal law. I am not cutting off communication with your company but rather reduce all communication to writing from here on out.
This letter is your formal notice to cease the pursuit of a debt that has already been paid, and for you to confirm the {$0.00} balance owing on the account in the referenced matter below. I'd also like you to confirm that you in fact accepted my payment of {$140.00} on XX/XX/2020.
The debt was originally owned by XXXX XXXX XXXX XXXX for tolls.
The account number given will be the license plate number will be included in this request under account number.
On XX/XX/2020 after being given verbal permission from XXXX XXXX ( Which was recorded ) a Transworld Systems Inc. representative and I made a verbal agreement to pay the specific settlement amount of {$140.00} in exchange for the account to be closed. I paid the agreed settlement amount of {$140.00} which I have proof of via bank statements. Transworld Systems Inc. tells callers before the conversation even starts ; that the phone call is being recorded. So they have physical proof of this phone call. I would like to request a transcript of this phone call as proof that my debt has been paid and should be closed. This is no longer an open account.
I have had two calls with Transworld Systems Inc. in which information was being provided to me about the account with no problem. On the 3rd call to check on the status of the closed account. Transworld Systems Inc. took it upon themselves to revoke my given permission to negotiate on behalf of XXXX XXXX for the debt owed.
I am willing to take legal action if this account is not closed within 15 days of receiving this request. I am willing to take legal action if I do not receive a written response ( including a written transcript of phone calls between me and Transworld Systems Inc.representatives ) within 15 days of receiving this request.
Sincerely XXXX XXXX
|
| 09/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I defaulted on an XXXX credit card with a balance of {$6800.00}. The matter was turned over to Transworld for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). Transworld first garnished my military retirement for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXXthrough XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXXand in XX/XX/XXXXTransworld garnished my wages from XXXX XXXXXXXX XXXX and are still presently doing so. In XXXX of this year Transworld garnished my XXXX XXXX once again and are now garnishing both my work wages and my retirement, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from XXXX which shows just last month they collected {$830.00} from me.
I have spoken with Transworld on several occasions and they will tell me nothing, simply refer me to XXXX. XXXX told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. XXXX only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that Transworld collected a substantial amount from me without forwarding all they collected to XXXX. XXXX offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
|
| 06/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXXrail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 11/30/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Went in for XXXX on my XXXX under a health care provider that my Insurance covered. After an attempt himself to fix the issue my doctor had stated that it was imperative to get the XXXX done at XXXX. Being that it was the doctor requesting the XXXX it was a necessary measure. At first contact with XXXX I was astonished to hear that I had owed them a large sum of money. I am a XXXX student whom barely can afford to eat and have no way of paying off a medical bill like that. In initial talks with XXXX ( Current insurance provider ) they told me XXXX separate times that it was an XXXX and that they were not able to cover costs. I told them what had happened and assured them that it was the doctor 's wishes and not an XXXX. After the first, of XXXX failed attempts, to get it handled with XXXX I reached out to XXXX. I explained the situation to them and they told me they ca n't do anything about what kind of XXXX the doctor lists it as. Throughout my care I was passed along to XXXX or XXXX different physicians and I know that somewhere in the mix someone decided to list it as an XXXX. Additionally I went in to the XXXX being told that my insurance would cover costs and not once did I ever sign a patient responsibility form or have XXXX mentioned. My provider first hand did not adequately disclose the cost of service to me nor would they allow me to check on cost before hand.
In my personal and professional opinion I do not owe XXXX or the collection agency any money what so ever. This debt was obviously sold off by XXXX to the highest bidder and I am sure that both parties are now profiting considering a medical organization would just write this off on their taxes. If this debt was transferred to a debt collection agency along with XXXX claiming a " loss '' on their income statement I am sure that I could take them both to court for tax fraud. I am prepared to do what it takes to get this off my record because I have maintained a decent credit history regardless of my many bills and debts I have taken out to provide myself with a quality education.
|
| 06/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I paid an apartment rental application fee of {$52.00} with XXXX XXXX Apartments in XXXX, XXXX. The apartment told me they have an apartment ready, Id just need to fill out the application and pay the {$50.00} fee. After filling out the application and paying the fee, they told me the apartment was no longer available and they rejected my application. I put a hold on my application fee through my bank until I was able to get a hold of the XXXX that same day to understand why the apartment was no longer available. Once I spoke with them, I released the hold from my bank the same day and they received their money of {$52.00}. This left my balance at {$0.00} with XXXX and I did not rent with them.
XXXX sold my debt to a collection agency after it was fully paid off on XX/XX/XXXX. Basically, they got paid on it twice but sold it as a debt of {$120.00}. They claimed the bank charged them a {$75.00} fee for the dispute that was resolved in the same day. They did not provide any proof of the chargeback amount they allegedly received from their bank.
I went to the apartment and they gave me a print out of my statement showing a balance of a {$0.00} as of XX/XX/XXXX.
In conclusion, I paid the {$52.00} application fee and the XXXX at XXXX provided me evidence of a {$0.00} balance. However, they are telling the collection agencies and the credit bureaus otherwise. I have provided copies of my bank statement and copies of the statement from XXXX but nothing is being resolved.
I am feeling desperate to get some help on this issue as this is effecting my credit and my rental ability. I have fully paid off my debt before it was ever with the collection agency. This is becoming really frustrating and it feels like I am not getting anywhere with anyone, especially XXXX XXXX Apartments. Ive reached out and stopped by to try and correct this issue. They refer me to contact by phone. Ive left messages and called numerous times to no avail.
Please let me know if I can provide any additional evidence to resolve this in a timely fashion.
|
| 12/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
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I was attending XXXX XXXX, XXXX ( formerly owned by XXXX ) from XXXX XXXX until they unexpectedly shut down in XXXX XXXX. I was 3 months away from graduation when XXXX shut down and I was not allowed to finish my program but was left with HUGE debt and a damaged credit score. I got NOTHING in return and I am now bombarded with phone calls regarding my debt EVERY SINGLE DAY! Referring to an article posted on Consumer Finance 's website on XXXX XXXX, XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points.These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I worked hard to get my credit score to where it was, I had XXXX late payments and now I have a credit score below XXXX and XXXX late payments thanks to XXXX. I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX.
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| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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There is a collection on my credit report from Transworld Systems Inc for a utility bill that is not mine I have reached out to them several times providing proof that this bill is not and could not be mine and to no avail. They keep coming back to me with an identity theft paper for me to fill out which all that would do is give them all of my accurate information of which I do not want to do. This collection has a service address of XXXX XXXX XXXX XXXX, Tx XXXX and the bill shows a statement date of XX/XX/2017. I sent them proof that I was not at this location at that time that I lived somewhere totally different and also showed them that I had a totally different light company. They still refused to removed this inaccurate account from my credit report and it is adversely affecting my scores and should not be reporting. I lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX at this time and had and still do have XXXX XXXX as my utility company not XXXX XXXX XXXX and provided Transworld Systems with not just one bill from the same timeframe proving that I was not at this location and have no idea about this account. But I also sent them 2 other bills that were prior to this timeframe of the statement they sent me to show them that I had this utility company and lived at a different location long before this supposed account was charged off. Still they refused to remove this account so now I am filing a CFPB complaint because for one just sending me a statement is not proof that I owe this debt and also because I proved to them that I did not even live at this location and have no idea about this account and they still have not removed it from my credit report. I have attached a copy of the statement that they sent to me as supposed validation of the debt which it is not and also all 3 of the bills from my actual utility company with dates well before this account charged off for you to review. This account needs to be removed from my credit report immediately or I will have no choice but to take further action and possibly retain a lawyer.
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| 02/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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After initially telling Transworld Systems , Inc. that I was in the process of disputing the claim with my insurance provider, they called a few more times, but were not pushy after I explained what that I was still working through the process with my insurance provider. Then, upon the final decision by my insurance provider, I tried to go online to the site and with the registration # provided to me in the letter from Transworld. The website address was correct, but when I tried repeatedly to enter my registration code and information, the message that I had an invalid registration kept popping up. I used 2 different computers and 3 different web browsers and still never could log in to pay the bill. I called 2 different numbers provided by Transworld for help logging on to pay the bill. They were never helpful about my login issues and kept pushing me to pay over the phone and kept saying they'd send a confirmation letter to my mailing address. I knew from reading complaints on the CFPB website that those letters often never came. I want to pay it in full, online, so I can print out the confirmation page myself to turn in for my HRA account. These conversations happened Friday, XX/XX/XXXX. The amount owed is {$2000.00}. As it stands today, I still can not log on and pay my bill using the information they've provided in a letter and over the phone. I want to pay the bill and I can pay the bill in full, but I will not do it over the phone as I do not trust this company. I will pay online where I can print out proof of the payment. The first person I spoke with was not helpful regarding my log-in issues and just kept pushing me to pay online. I hung up and called another number and that person at least tried to tell me he'd " reset my registration code and that it should work now ''. The new code he gave me didn't work either - it seemed he just made it up on the spot - and then he kept pushing for me to pay online as well. Again, I do not want to give my credit card information over the phone to this company. I will pay online only.
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| 06/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XX/XX/XXXX I received an XXXX credit montoring alert that my credit report had changed. When I checked my report It showed a new collections account from a company called Transworld systems Inc. I gave them a call at the number listed to see what the debt was. On my call they told me the debt was from XXXX, a utility company ( account # XXXX ), and that they would send me a debt verification letter which I did recieve, account # XXXX. The letter was dated XX/XX/XXXX and looks like the debt was a final electric bill from a residence I live at more than 6 years ago. When I explained to them that I never received notification of this debt from either XXXX or XXXX. The representative stated that they and XXXX mailed notices in XX/XX/XXXX to the address listed on the utility account, XXXX XXXX XXXX XXXX XXXX. It should be noted that I hadn't lived at that address for more than 3 years as the utilities billing for that address stopped on XX/XX/XXXX per the debt verification letter they mailed, which Ive included. I lived at the address for 1 year only from the date of XX/XX/XXXX-XX/XX/XXXX verified by calling the leasing company. Unfortunately they do not keep lease copies that long so I was unable to obtain a copy. I asked why they would send notice to a place they new I had moved from and they could not give me an answer. It should also be noted that mail forwarding through the USPS only lasts one year, not 3. Id also like to note that I have had the same phone number since XXXX and never received a call from XXXX or XXXX. I called XXXX and offered to pay the debt in exchange for the collections removal from my credit as the collections notice from XXXX was the only notice of the debt I was given to which the representative responded with " no. '' My issue is had I not received a credit monitoring alert I would still have no idea I had this debt in collections. I've included copies of my federal tax returns from XXXX -XX/XX/XXXX showing I did not live at the address they claim to have mailed the notice to in XX/XX/XXXX XX/XX/XXXX
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| 10/29/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
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Web |
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Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.
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| 01/04/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 08/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
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|
Web |
Servicemember |
|
I received a phone call from Transworld Systems Inc. regarding the balance owed on my XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I spoke with them, I advised them that I am able to pay the balance of what I owe, {$3500.00}. They, instead, advise me that I now owe {$5200.00} on this balance.
I conducted my own research on this company as I was having issues with fraudulant activity occurring on my account. Upon doing this, I found that many individuals have incurred unfortunate situations with this company as I have already ; to include paying their balance with funds continuing to be taken out of their incoming funds. I have personally encountered obscene, profane and abusive language, threats of garnishing wages, freezing any bank accounts and that they would take any check I have until they get the full {$5200.00} amount owed. They additionally threatened to freeze my SSN and advised me that they will make sure that I will not be able to make any purchases or obtain any new jobs until they get their full amount of {$5200.00} owed. Their lack of professionalism or willingness to work with me in any way was not provided to me as an option. Additionally, they continue to not provide me with a valid explanation as to why there was {$1700.00} additional dollars added onto the amount I owe. Upon the instances where I tried to contact this company, I have been hung up on XXXX times, deferred to other individuals who claimed they were unable to help me, and when I was able to finally reach someone, obscence language was used along with given multiple threats with no help being offered. Again, I am able to pay my balance of what I owe, {$3500.00}, but they are not giving me this option and are not advising me of why these additional charges have occurred. I 'm unsure of how to proceed, but would like this matter taken care of. I would like to pay my balance, but will not provide money to a company that has a history of " losing '' balances paid and will not provide me with an explanation of why the account increased.
|
| 12/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I'm filing this complaint as per my attorney TransWorld System is in violation of the FDCPA for failure to provided requested document to properly verify alleged debt.
I pulled an annual credit report in XXXX of XXXX. To find that Transworld Systems is reporting that I allegedly owe a debt from XXXX XXXX. I keep good records regarding medical bills. I have never received any info regarding this account. This is a medical debt from XX/XX/XXXX.
I disputed this item via all 3 credit bureaus and requested my " signature of the original contract/consent to treat '' to establish the contractual obligation. Understanding medical facilities can make clerical errors in regards to billing.
XXXX and XXXX verified this account 2 times without providing the requested information ( signature of original contract/consent to treat ) nor did they give me anything that would support their verification method as I requested.
I was out of the country for 5 weeks when I returned ( XXXX ) I did received correspondence via the FCRA request from TransWorld ( XXXX ) however it was a general medical bill not the requested original contract/ consent to treat form.
XXXX and XXXX said it was my obligation to reach out to TransWorld System however this isn't my burden of proof to investigate.
My attorney sent certified letters. Two times XX/XX/XXXX @ XX/XX/XXXX requesting more information specifically " the consent to treat form with my signature '' with failed attempts due to wrong address published on Transworld Systems website which resulted in both being return to sender.
Another verification letter was sent certified on XX/XX/XXXX to the address provided from TransWorld this letter was received by TransWorld on XX/XX/XXXX.
It has been well over 30 days and I have not received any response to my request nor has this item been marked as disputed on my credit file. It is currently being reported as accurate.
This is a violation of the FDCPA and FCRA.
Please see attached documents Thanks in advance for your assistance.
XXXX XXXX
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX Student Loan : I have reached out to XXXX XXXX XXXX in XXXX XXXX XXXX and XXXX XXXX XXXXXXXX about my loans and the incorrect reporting since my loan went into forbearance late XXXX. I was told they would never ( and could never ) submit to change their error, regardless of fault. The maximum amount borrowed was less than {$75000.00}, but it is reported as over {$86000.00} that I borrowed, when that is not true. The line of credit was {$75000.00}, so that is not possible. I have made payments every month that they have been due and have not been delinquent.
I called XXXXXXXX XXXX XXXXXXXX again on XX/XX/XXXX and was told they would write to collections try to fix the issue. They stated that - on their end and in their system - my account shows it was closed in XXXX XXXX XXXXXXXX, with a maximum possible credit amount of {$75000.00}. They also informed me that they sold their loan to another lender that they called collections, which explains the incorrect reporting. I am not even the owner of the account, just an authorized user. My account was never Delinquent to go to a collections agency.
XXXX XXXX XXXX XXXX XXXX XXXX : I suffered from XXXX and XXXX XXXX from XXXX XXXX XXXX I called XXXX XXXX XXXX and discussed closing my credit card with a monthly payoff payment. They informed me they can not close it, but reduced my payment from over {$80.00} down to {$47.00} and then sent me a letter telling me that paying $ XXXX won't pay off my card for 10 years. They also still reported XXXX - XXXX payments as delinquent, even when XXXX XXXX said it would not be reported because I paid the new minimum and kept up with payments/informing them. XXXX XXXX also informed my on XX/XX/XXXX that my XXXX payment was returned and threatened to go back and report it, even though I still paid it within the grace period. My debt has been increasing to a point I can not keep up with, and I informed them that it is keeping my credit score from being able to have a roof over my head. They still have not closed my credit card account.
|
| 07/07/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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- XX/XX/2015 due to an XXXX condition I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the XXXX. I market the rental option for {$30.00} a month.
- On XXXX XXXX, 2015 I received the first invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented.
- XXXX XXXX, 2015 I received a second invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came.
- XXXX XXXX, 2015 I received the collection leter from the collection agency Transworld Systems Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX XXXX XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts.
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate.
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about 20 min losing the call at the end with no respond.
|
| 08/14/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Hello, This is my second time submitting complaint about XXXX XXXX XXXX.
Back in XXXX we submitted loss mitigation hardship application to XXXX. Application was submitted on request from XXXX. XXXX rejected the hardship the words from XXXX repserventive he looked up the home prices in our area and saw our area people were not up side down on there mortgages like most of the country at the time.
This is unfair we were not looking to sell we submitted the loss mitigation to keep our children in the home they grew up on.
XXXX our credit was bad low XXXX because of the delinquency loan that XXXX did not approve in XXXX. We decided to sell in XXXX to get out from under the debt. We went back to XXXX told them we were selling and could they help? XXXX requested loss mitigation again and we submitted another W2 tax returns bank statements and letter explaining how we were moving over seas back to where we came from and take employment in XXXX. XXXX rejected loss mitigation again and said if we gave them a XXXX less than what was owned the home would go to short sale and this will slow your process to sell. We never got any letter explaining why the two loss mitigations were rejected. XXXX have now got a law firm blocking us from communicating.
We have reported the lawyer to her state bar grievance board as she informed us our files were destroyed after the home sold. We have our files because the law firm was not been truthful.
XXXX responded back to the CFPB this year saying they did not do loan modifications, CFPB there is a copy of this letter here for your records.
I asked the lawyer last week for copy of my rejection letters no response.
Also the lawyer that is representing XXXX said XXXX associates did not feel safe in there office after i said i would come to there office to pick up my files.
I did say this but never made any threats. XXXX would be calling local authorities if they felt unsafe and not a lawyer.
XXXX you are not been fair here that is why CFPB has been contacted.
Respectfully.
XXXX XXXX
|
| 11/14/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Hello, this is a follow up on complaint XXXX, which I have been unable to successfully resolve. Specifically, in my previous complaint I had asked my servicer University Accounting Service ( UAS ) for documentation showing that the listed lender " XXXX XXXX XXXX '' ( XXXX ) was the current legal owner of my student loan debt. I asked this because 1 ) the provided master promissory note does not mention this lender in any way, and 2 ) there was no listed contact, webpage, or any searchable online presence of this lender that would allow me to contact the lender and ask for proof of ownership, and 3 ) I have had a number of issues already with this particular loan that have led me to question its validity ( please see complaints XXXX, XXXX, and XXXX ).
As a response to my previous complaint XXXX, UAS provided contact information ( including email and telephone number ) for the person they have listed as the chief financial officer for XXXX, Mr. XXXX XXXX ( see attached response letter ). Since then, I have emailed Mr. XXXX on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, see attached for copies of emails ) politely requesting that Mr. XXXX provide documentation that he or his company are the current legal owners of this debt. I also had a phone conversation with Mr. XXXX on XX/XX/XXXX in which Mr. XXXX explained to me that XXXX had acquired the loan from the original lender years ago, but he did not say that he was willing to provide proof that he or an active organization in his name currently legally owned the debt.
I think that it is within my rights as a borrower to confirm that the student debt I owe is legitimate. In this case, I think that it is fair at the very minimum to ask that either UAS or Mr. XXXX provide documentation showing that 1 ) XXXX is an active lending organization ( I can not find any website or contact info for it online ) and 2 ) that Mr. XXXX or an active organization he runs bought this student loan from the original lender ( ie, establishing chain of title ).
|
| 03/10/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Lender is XXXX XXXX servicing a XXXX XXXX.
Lender website only indicated that I owed {$510.00}, but lender reported to all credit reporting agencies that I owed the total amount of the loan ( just under {$12000.00} XXXX. However, this loan was actually paid off in full when I refinanced at the end of last year. I received a letter from the new lender ( under which I refinanced my loan ) on XX/XX/2020 indicating that payoffs have been sent to University Accounting Service , LLC ( UAS Connect ). Despite this, the loan servicer reported that I was 30-59 days late on my XXXX loan payment. Furthermore, the loan servicer reported that not only was a regular payment due, but that the total principal of the loan was the amount due in XXXX. This severely impacted my XXXXredit score. After noticing this on my credit score, I went to the website and noticed that the only amount the servicer would allow me to pay off was {$510.00}. I paid this off in order to resolve the credit issue. Shortly after paying this off, I received a notification that I was actually owed {$510.00}, despite the fact that my {$510.00} payment was made in accordance with what UAS Connect indicated to me was the total amount due at that moment.
It is entirely unacceptable that a loan servicer would behave in such a disorganized manner, especially when their disorganization directly impacts my credit score. My payment history attests to the fact that I had been making payments on time consistently until UAS Connect 's mixup in XXXX. UAS Connect 's incorrect reporting caused my credit score to drop 48 points.
I was forced to file disputes with all three major credit bureaus regarding the loan amount. Apparently, UAS Connect had not even changed the status of my account for the past few months, despite my refinancer sending the payoff in late XXXX. Upon receiving my dispute, UAS updated the status of the account but did nothing to alter negative remarks to the credit score.
This is a clear violation of Section 623 of the Fair Credit Reporting Act.
|
| 04/19/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I have XXXX student loans through the college that I attended. I applied for deferment for the student loans in the past a reapplied once I received notification that my deferment was over on XXXX/XXXX/2016. I found out that I would not be eligible for deferment again but I would need to pay interest accrued during my deferment on XXXX plus my monthly payment arrangement. I called the office on XXXX to see if I could apply the accrued interest into my monthly payment and then was told yes. I asked if this meant my accounts would not be reported to the credit bureaus as past due and was told no. I found out after the fact of making that monthly payment arrangement that my accounts were reported as past due. I called and they listened to the tapes and emailed me stating that I was given wrong information but my accounts were past due so the reporting would stay. I asked if I made payment that day would I be able to reverse the reporting since I was told I did n't need to make the payment for the interest and was told no. Then, today I was emailed that if I do not catch up the past due I would be sent to collections. I then went online to make payment but my balance went up over $ XXXX. I called and was told " after review, my deferment should have been up on XXXX account in XXXX and the other XXXX '' So, therefor they have back billed me for time that I was told I was under deferment and have charged me another $ XXXX that has to be paid by the XXXX or I will be sent to collections. Also, they reported my account as over 180 days past due to the bureaus when my bill for the accrued interest was due on XXXX. They said that was because the interest accrued for the time I was in deferment. I never received anything that stated if I do not pay the accrued interest after my deferment I would be past due the whole time of my deferment. I have been mislead multiple times and I feel as though I am trying to make this right but I keep getting more and more charges or problems each time any communication is received by them.
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I contacted Transworld Systems in XXXX of XXXX when I received an alert about a derogatory debt being placed on my three credit bureaus. I immediately contacted the debt collection agency Transworld Systems and advise them that I was disputing the debt. I sent written correspondence via fax requesting proof of the debt with TransWorld systems because I have never entered into any contractual agreement with them nor had I given consent for any of my personal information to be shared with a third party or even sold to a third party. Your office actually filed suit against this company for the same unfair tactics that I am experiencing on the behalf of other consumers. On XX/XX/2023 I filed a formal complaint with your office after noticing that the derogatory misinformation placed on my credit bureaus had not been removed causing me to be declined for credit card increases and an auto loan. At that time I provided court documents proving that I did not owe an outstanding debt to the aforementioned property. It has been over 45 days and the federal law states that they have 30 days from the date of notification to either validate the debt or to remove it. I have documentation from the court clerk as well stating that there was not a lawsuit filed in their Court for relief. The management company is fully aware that the judgment entrance was for no relief and that there were no money to be collected on behalf of XXXX XXXX XXXX managed by XXXX Property Management. This was a malicious attack to damage my credit and it was done by the property manager XXXX XXXX. I'm requesting XXXX relief to be made whole for the month that this derogatory information remained on my credit bureau after proof was submitted on multiple occasions. Deletions are submitted electronically and only take moments to complete. There is no excuse whatsoever for this derogatory misinformation to continue to remain on my credit bureau without sufficient evidence to justify the reporting. I want it removed and I'm seeking damages to be made whole.
|
| 02/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the agency TSI/XXXX which whom my debt is associated with several times and have not gotten answers or have been able to pay this debt off. Below is an email that I sent to the company that bounced back as one of their employees gave me a fake email address. I have tried to speak with supervisors on several occasions and below are the times I have called. No one will let me pay off or address this debt at all. I have been contacting them now for over a month!
Dear whomever this may concern, My name is XXXX XXXX XXXX. I currently have an open debt with XXXX XXXX Hospital of {$2500.00}. They have passed on this debt to your collection agency. I have tried to reach out to your establishment on multiple occasions and have not gotten the answers or assistance I needed.
I first contacted your company three weeks ago on XX/XX/XXXX. On this day I spoke to a man about settling my debt at {$1800.00}. He told me he needed to confirm with the hospital and for me to contact him again the following week. I then tried to contact him again, and no one answered my call. A week ago I called to follow up again and the people I spoke with told me absolutely nothing about settling this debt. They told me they had not heard back from the hospital. I find it very hard to believe that the hospital has not gotten back to them in three weeks. I even offered two staff members to pay {$1000.00} and be done with this. One staff member even laughed at the situation when I was trying to express my concerns.
I demand to have my questions addressed and have this resolved. I am on the west coast so taking time out of my day to call your company that only has EST hours is very difficult.
I would AGAIN like to settle this debt immediately and can pay {$1000.00} at your earliest convenience. I can be contacted via phone at XXXX between XXXX EST. Please have a MANAGER contact me tomorrow XX/XX/2019. This is my fourth attempt at trying to pay this debt.
Thank you for your time and assistance on this.
Regards, XXXX XXXX
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| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I previously submitted a complaint against TRANSWORLD systems in regards to a collection they continue to report on my credit. They wrote me telling me that they previously replied prior to my first complaint, but I never received the letter they " claim '' they mailed to me. Only after submitting my complaint to the CFPB did I get them to respond. They suddenly sent me a print out of the debt they claim I owe, but they had 30 days to reply to the dispute letter I wrote them, and they never sent me the requested information. Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state.
Please be reminded of XXXX vs XXXX Law Firm - XXXX vs XXXX XXXX XXXX
They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain.
In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely. This is clear defamation and violation of my rights. I am giving them a final opportunity before I proceed to file a formal complaint with the GA State Attorney and to hand all of this evidence to my lawyer to proceed with a lawsuit in which I will be demanding {$1000.00} per violation if this account is not removed from my credit reports within the next 30 days.
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.
I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX service in question. I asked that those details be sent to me.
I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX stating a balance was owed.
I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.
Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers.
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| 07/21/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XX/XX/XXXX I received a collection notice from Transworld Systems Inc. attempting to collect a debt from a creditor named XXXX XXXX. Upon contacting Transworld Systems Inc . I learned that XXXX XXXX is an anesthesiologist group. On XX/XX/XXXX I had a XXXX at a facility that was approved by XXXX XXXX. This medical procedure is covered XXXX % with our company 's medical plan. I was never notified of any outstanding balances from any doctors, labs or the facility until this collection letter on XX/XX/XXXX. When I contacted the agent for XXXX XXXX she stated that XXXX XXXX was not on XXXX XXXX approved list. XX/XX/XXXX I contacted the Dr. 's office and was told by the insurance person that it was n't their responsibility to check to see if the XXXX is on an approved insurance list. She also stated she has received approx. XXXX calls relating to these collection letters. During her attempts to contact XXXX XXXX she found out that this company went bankrupt therefore all telephone # 's were disconnected and that Transworld Systems Inc. refused to disclose any information to the Dr 's office. In the remarks column on my claims & statements from XXXX XXXX it states " SERVICE NOT COVERED NO AUTH - PROVIDER RESPONSIBILITY. Prior to my procedure the Dr 's office assured me that my procedure was covered by XXXX XXXX as well as their facility and Dr 's. I do not believe it is the patients responsibility to have to further check to see if anyone or anything else is n't covered. Another factor that I noticed is that the amount Transworld Systems Inc. is attempting to collect is {$530.00}. The actual unpaid bill that was submitted to XXXX XXXX was for {$510.00} discounted to {$240.00} with the member discount. The {$530.00} is not my responsibility nor do I intend to pay it. If I had this procedure done at a hospital it would not be up to me to check out if each medical dr. or lab is covered by my health insurance. The hospital submits the insurance information and gets the approval to go forward with all procedures.
|
| 02/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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This company represents the State of NJ and are collecting a debt on their behalf. To get my NJ driver 's license, I agreed that I owed a debt and made payment arrangements. I have a representative payee that handles my social security XXXX payments. The company demanded that I give them banking information, ( a debit or credit card ) so that they could have payments taken out automatically. I gave them the card number that is in my daughter 's name. For the past 12 months this company has been sending me letters notifying me that they are taking the money out and to make sure it is available. I just received a notice from NJMVC that my driver 's license and registration privileges are suspended and that I needed to contact this company. When I spoke with them they informed me that the card had been declined. I receive no notice at all that there was a problem. I believed the monthly letter from them and had no reason to believe otherwise. They refuse to give me any information. They are rude and nasty and state that I should have known that the money was not being deducted and the only way to get my driving and registration privileges reinstated is to pay them the {$1200.00} for the back months that their request for funds were denied and to give them a card so that they can take the payments out automatically. They claim I owe in excess of {$11000.00} ( a judgment against me resulting from a car accident I had in NJ in 1999 ) NJMVC states that the judgment is for {$7000.00}. I asked for the contact information of the original debtor and they claim they do n't know it. I ask to speak to a supervisor or someone from the legal department. They take my name and phone number and never call me. I asked for a copy of all correspondence to me and they stated that 12 months of letters is to much to mail out. They have never mailed me any other documentation except the letters confirming that they were taking the money out of my custodial bank account in my daughter 's name ( she is my representative payee )
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Transworld Systems has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt.
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested.
There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and Transworld Systems which is not true. I have never had a contract with this debt collection company.
There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information.
This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.
|
| 03/28/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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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.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I had a private student loan payment on XXXX. My loan was originally on deferment. Once the deferment was over I made a payment XX/XX/XXXX however after that payment my loan was then again put on deferment. In XXXX once I tried to make my payment their website/portal informed me I did not owe a payment at that time. After that I checked back in monthly but each time the payment due date was XX/XX/XXXX and it did not give me the option to make a payment. In XX/XX/XXXX They sent me a Passed Due notice informing me a payment was in fact due but this already affected my credit score negatively. Even then when I logged onto the portal it stated I did not in fact have to make a payment until XX/XX/XXXX but I still made a payment for all the months I " missed ''. After that again checked their site was told no payment was due until XX/XX/XXXX and still did not inform me to make any payments. Then again in XXXX i received a Past Due Notice and my credit score took a huge hit. I contacted them and the customer service representative realized it was their fault and apologized that was it their mistake and that the portal was showing incorrect information but they did nothing to resolve this. My credit score dropped XXXX points due to their negligence and my numerous emails have gone unanswered. The only reply I got was that their loan is calculated on a quarterly basis. That does not rectify the issue they made or ease the financial hardship I faced due to their incorrect service. Paying loans is already a stressful process without the lender making you hop through hoops just to make a payment. I have never missed a payment with any of my other credit cards or loans because I check them all on a monthly basis. Due to their systems error I have " missed '' multiple payments and even now their online portal is incorrect. This is a huge injustice and they are taking advantage of student loan repayment services. The company is : University Accounting Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
|
| 03/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS, INC for committing identity theft. I have never given TRANSWORLD SYSTEMS, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from TRANSWORLD SYSTEMS , INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS , INC continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 08/04/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX claims that I owe money from a student loan I took out in XXXX with XXXX XXXX/My Rich Uncle/XXXX XXXX. They sent me a letter on XX/XX/XXXX stating that if I do not dispute this debt within 30 days they will take legal action. According to Indiana and New York State laws the statute of limitations on contracts for money or with a promissory note is 6 years. The last payment I allegedly made, according to their loan servicer, XXXX XXXX XXXX, was on XX/XX/XXXX. I do not recall nor have been shown any evidence that I made contact with the company since that time ( they claim in their complaint that I have had contact with them ). I should add that I have never ( to my knowledge ) spoken to XXXX. They did not give me 30 business days to dispute the debt before filing suit. I made an attempt to dispute the debt via certified letter, to the address that was on the letter they sent to me, on XX/XX/XXXX that was not responded to ( they received the first notice on XX/XX/XXXX that the letter needed to be picked up and signed for and they received a second notice on XX/XX/XXXX ). I received notice of a summons and complaint in my mailbox on XX/XX/XXXX. I believe this lawsuit is time barred by law and that sending the initial letter stating they would take legal action as well as not allowing thirty days to dispute the debt is a violation of the Fair Debt Collection Practices Act. Additionally, the summons sent was improperly served upon me and has not been followed with a certified letter per Indiana Trial Procedure. The case is not in the Odessey Case Management System where all such court cases are available to the public on the internet. Younomics has a suspicious relationship with XXXX XXXX/XXXX/My Rich Uncle, which are now defunct organizations/financial institutions ( as of XXXX ). Their loan servicing company is a subsidy or partner with XXXX XXXX which was involved in a lawsuit with National Collegiate Student Loan Trust, who was forced to forgive or pay back millions of dollars to borrowers.
|
| 07/22/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
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I initially took out a student loan with XXXX XXXX XXXX XXXX to pay for a XXXX XXXX XXXX studying at XXXX XXXX XXXX XXXX University XXXX, training provided by XXXX XXXX. However, the training was less than satisfaction for all the students so the school had agreed to issue all students full refund on XX/XX/2020 in the amount of {$8300.00}. The refund was processed and confirmed by a representative at XXXX XXXX on XX/XX/2020 and confirmed again by the accounting manager of XXXX XXXX, XXXX XXXX, on XX/XX/2020. Please see attached email communications for details.
The XXXX XXXX representative also referred me to their loan servicing company, University Accounting Service , LLC ( UAS ) for more details on the status of my refund check. I contacted UAS for the first time in XX/XX/2020 through their online contact portal asking them about the refund status and when the check will be issued. One of the companys representative responded by telling me they forwarded my question their accountant specialist who will get back with me for the details. No one from this company has gotten back with me. I waited approximately 2 weeks and decided to call their customer service number ( XXXX ) on XX/XX/2020. The representative who answered the phone informed me that I will need to wait from 45 60 days counting from XX/XX/2020 for them to issue the refund check. I monitored and saw that my account became {$0.00} balance ( from having {$8300.00} refund ) on XX/XX/2020 so I contacted the company again through their online contact portal and was informed that my refund was processed on XX/XX/2020. However, it has been over 10 days and I still have not received the check in my mail. I contacted the company again on XX/XX/2020 asking for the date the check was sent out. They have refused to provide me with any answers. As of today, XX/XX/2020, this company still refused to issue my refund or even confirm if they have send the refund check. Additional email communications are attached for your review. Thank you.
|
| 07/12/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company.
There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I am REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act.
Also please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 04/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received treatment at a medical facility in the summer of last year. Multiple charges were incurred and my insurance carrier paid all but XXXX or XXXX. The ones they did not pay were coded incorrectly by the medical facility so they were declined ( I was completely unaware ). I was contacted by the debt collector almost 8 months after I received the treatment. They actually contacted my wife and I called them back immediately. I disputed the debt and asked that they provide me with some information so that I may contact my insurance company and get the matter resolved. I was completely unaware of the debt, but was willing to resolve it as it should have been paid prior to collection. The information that they mailed me was a XXXX page document with absolutely XXXX details on it. After several conversations with the insurance company, they indicated that they would contact the medical facility and would be reprocessing the claim. In the meantime, I had asked the debt collector if this information was going to be reported to the credit bureaus. They assured me that no reporting would take place, especially considering the billing situation and the fact that I was disputing the debt. They lied. In XXXX of this year, they reported the debts. As a result, my credit scores have fallen XXXX points. This is completely false and deceptive. I have never received another communication following up on the dispute or trying to check the status on the insurance claim. I updated my address and phone number with them. There is no excuse for zero communication and immediate negative reporting on my credit bureaus. I am demanding that these debts are removed while the insurance company works through the billing. Had the medical facility properly coded the services and had the debt collector communicated properly, I would not be in this situation. I feel completely powerless here. I worked hard for years to keep my credit scores above XXXX and to lose XXXX points because of this incompetence is unacceptable.
|
| 12/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I had a federal Perkins student loan go into default as I missed seven payments, when I was away for a military school that I thought I had organized all of my payments before I left in XXXX. The late payments are reported on the balance history as is the status of it going to collections. When talking to the lender ; even though it did go into default, it never went to collections. The collections coordinator ( XXXX XXXX ) of the university ( XXXX University ) had explained that even though it was reported as an accelerated account to her by the student billing service ( XXXX XXXX ), she did not place it into collections as she explained to me in an email that, " I do not immediately place accelerated accounts in collections ; I hold off for approximately 30 days in hopes that we can still settle the account. As was the case in your situation. '' It was reported under collections in XX/XX/XXXX, and back in XXXX/XX/XX/XXXX as well. When it was reported under collections this past late summer, that is when my credit score took a hit. After making disputes against this with XXXX and the loan billing servicer, the collection reporting under the balance history was only pushed right to XXXX/XX/XX/XXXX, still being reported in XX/XX/XXXX as well. It now shows " No-data '' from XX/XX/XXXX to XX/XX/XXXX. When I immediately found out about this loan, I had paid it all off in XX/XX/XXXX. I have paperwork from the university and billing service company that states I am good status and was paid off in XX/XX/XXXX. I disputed multiple times with XXXX both online and over the phone while also supplying the correct paperwork these past two months, and it shows it being " updated '' but no information has been changed in terms of the removing of it being reported as " collection ''. If there is more information that is needed or supporting documents, I would be more than happy to supply them, but I just do not understand why XXXX can not change the incorrect information that I explained to them with proof.
|
| 05/17/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
After my XXXX payment to XXXX XXXX, I set up a recurring payment. I selected the option to pay the minimum due plus whatever amount I specified. I specified 10 extra dollars. I had to do the setup twice because the first one was only set to pay for XXXX but I wanted it to recur until the loan was fully paid.
I logged in to XXXX XXXX on XX/XX/XXXX after receiving an email that the monthly statement had been generated. I did this in order to make sure everything looked correct for the first auto payment. When I logged in, I saw the next payment amount was only {$10.00}. I called customer support to see why this looked like this and asked if I should change the amount. the customer service rep assured me that it would take out the minimum amount due plus {$10.00} on the due date of XX/XX/XXXX.
On XX/XX/XXXX, I received a call from UAS imploring me to pay my past due amount. I logged in and saw that I was only charged {$10.00} instead of the total due plus {$10.00}. Interest was also charged on XX/XX/XXXX and since it did not deduct my full payment, the interest was calculated at higher than it should have been.
I called customer service again to 1 ) see why the payment didn't come out correctly when I was assured it would be on XX/XX/XXXX and XXXX ) if I could get some of the interest charges removed from my account since it was not my fault my payment wasn't deducted correctly.
I spoke with XXXX who first told me they could not remove any interest despite what happened. She told me I should set up my automatic payment differently and manually type in the amount as opposed to the amount due plus 10. It was raised to an account specialist after my repeated request to remove the interest that was incorrectly calculated, though when I asked the name of the account specialist, I was told it would be sent to a general email.
I have since paid the remaining balance and changed the auto payment, but I took screenshots and attached them to this complaint ( with my account number redacted ).
|
| 11/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.
|
| 02/18/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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My loans are held with University Accounting Service LLC and were serviced through the XXXX XXXX XXXX XXXX XXXX XXXX. I graduated XXXX in XX/XX/2020 and my payments were scheduled to go to the full principal out-of-school amount in XX/XX/2020, but I am in XXXX school now and confirmed with them I could continue making interest-only payments ( the in-school mode ) until I graduated XXXX school. I sent them my enrollment verification on XX/XX/XXXX and receipt was confirmed XX/XX/XXXX. When what was the grace period if I had still been out of school was up they started charging me the full principal amount. I have called four times and they won't fix it.
I called in XXXX and asked them to fix it and they told me to wait 10-15 days and the change was effect.
I called on XX/XX/XXXX asking them to fix it and they confirmed my status was " in school '' and to wait 10-15 days to fix it.
I called on XX/XX/XXXX ( as the change has still not taken effect ) and they gave me the same answer, and she told me she would rush the change so it would take effect before my XXXX payments came out.
I called on XXXX XXXX after a full principal payment had come out and he said wait 10-15 days and it would be fixed.
It is XX/XX/XXXX and the full principal amount is scheduled to come out of my account in XXXX.
My usual in-school interest only payment amount is an average of {$410.00} dollars. I was charged {$930.00} in XXXX, {$1200.00} in XXXX, and {$930.00} in XXXX.
Last year I had an issue with them where they had not connected a new loan I took out for school to my account so I was charged interest and default charges and had a late payment on my credit report even though the loan was not on my account. They fixed it and the charge cleared off my credit report but I was still charged excess interest for the period I did not have the ability to pay the loan because it was not connected to my account. So this is the second major issue I'm having with them and don't know how else to resolve it.
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| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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A Federal Perkins Loan was established in XXXX for myself. I completed my higher education in XXXX of XXXX and my loan was then eligible for payments in XX/XX/XXXX. Any time I received a bill in the mail, I paid it, via check in XXXX. This is shown in the enclosures that I made payments in XX/XX/XXXX to cover XXXX & XXXX of XXXX as well as XX/XX/XXXX to cover XXXX and XX/XX/XXXX. To the best of my ability, I do not recall receiving any other statements or past due notices in the mail. I also did not receive any emails or phone calls stating I needed to make a payment. When receiving a bad address notification, due diligence was not performed on behalf of University Accounting Services and I was not contacted via any other method with the information on file. My phone number and email address as of XX/XX/XXXX are still accurate. The information of this loan being delinquent and being reported to the three main credit bureaus as such is inaccurate because I did not receive notification that I had payments to make or that my loan was past due. I received 4 years of unfair late charges due to this diligence not being performed and not being notified of this loan still being open. UAS continued to submit information that was known incorrect, I am entitled under these laws to notices concerning the reporting, handling, and use of my credit information and was not notified of the negative handling of this account, another violation under the CRA. UAS failed to notify me when it supplied and continued to supply negative credit information. This would have been detailed in a billing statement but referenced above, they were not received, and all of these violations would have been avoided, had due diligence been performed on behalf of UAS in getting in touch with me. The company has not complied with my request to have this negative information removed from my credit report, even though I paid the full {$1300.00} on XX/XX/XXXX, including over {$350.00} of unfair late fees accrued over 4 years.
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| 12/20/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Transworld apparently purchased an account from XXXX or took over an account from XXXX for which I had an open dispute, they have reported it to credit reporting agencies negatively impacting my credit score and ability to rent in the future after a phone call with them on or about XX/XX/XXXX. I use XXXX XXXX and I received an alert from XXXX XXXX today ( XX/XX/XXXX ) that this report showed up on my credit. ( See my previous complaint again XXXX and XXXX XXXX XXXX. XXXX XXXX was originally charging me over {$2600.00} in false charges for which they provided pictures of alleged damages. I sent in the attached letter of dispute and never heard back from anyone until Transworld initially contacted me back in XXXX. They said XXXX XXXX " investigated '' my dispute ( the dispute was against XXXX XXXX ) and that they removed all charges except {$390.00} which is for blinds and damaged doors. Their own pictures ( see previous dispute ) show the blinds and there is NO damage to the blinds. They also allege damages to doors for which they have no pictures of and I find it interesting they removed all other charges except for things they have no evidence of. I don't feel I should have to spend money hiring a lawyer when I have already proven that XXXX XXXX has lied and by their own admission by removing all the previous charges except for ones they have no evidence of. I explained all of this to Transworld when they called me and told them I was disputing the charges. After my phone conversation with them on or about XX/XX/XXXX, they mailed me a copy of my lease renewal in XXXX and itemized statement for the blinds and damaged doors. Again : XXXX XXXX XXXX own pictures show the blinds and there is no damage and there are no pictures of damaged doors. The pictures XXXX XXXX provided were of walls that weren't wiped down and dirty outside door/wall and tape on the ceiling from birthday balloons and dirty window seals, for which my deposit covered their cleanup charge of {$250.00}.
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| 08/30/2017 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Every day, this company calls me at least 3-4 times a day. It started as two calls and then went up to three calls a day and now they sometimes call me as many as 5 times a day, all usually made before XXXX. Sometimes they call from the same number, other times they call similar numbers ; for example, one number they call me from often is ( XXXX ) XXXX and another they often use is ( XXXX ) XXXX. They 've also used ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX as far as I know. On XX/XX/XXXX, I received a two calls from Transworld Systems Inc. I answered the second call at XXXX XXXX. They informed me of who they were and I requested for them to not call me. The following day, on XX/XX/XXXX, I received another call from them, but this time the number was blocked. I asked who it was, they said they were a debt collector from Transworld Systems Inc, I immediately hung up. I answered another one of their calls on XX/XX/XXXX at XXXX XXXX from phone number ( XXXX ) XXXX, asked them what they were calling in regards to. They told me they were a debt collector from Transworld Systems Inc. I told them to stop calling me. On XX/XX/XXXX at XXXX XXXX they called again from another phone number. I asked who they were and they told me they were a debt collector. When I asked what company they were collecting for, they hung up. The following day, XX/XX/XXXX, they called from the same number ( ( XXXX ) XXXX ) 4 times before I answered their call at XXXX XXXX. I asked them, again, what company they were with. They told me XXXX XXXX XXXX. I told them once again to stop harassing me and hung up. They have woken me up on numerous occasions and several times within the same morning due to the number of times they call. It has gotten to the point where I now keep my phone on silent, which has resulted in me missing very important phone calls ; two of which were job opportunities.
I can send screenshots of the call logs if needed. I can also provide further details for specific calls.
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| 04/23/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Thanks for the opportunity to file a complaint.
Debt collectors have contacted me for at least 20 years about a XXXX XXXX 's various debts. I am disgusted. I am sending the letter below to this company. Honestly, I fear letting these people know my real name.
Why do you ask at the end of this complaint if I am the account holder or debt owner? I am neither. That is the problem.
Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear debt collector, Re Transworld systems account number XXXX I am not XXXX XXXX. I have never been XXXX XXXX. It is not a derivative of my name. I have no children and do not have any relatives by that name.
No one by that name has ever lived at this address. Fact.
Even better, I have been a XXXX XXXX customer most of my adult life and definitely the past 26 years. XXXX XXXX knows who I am and knows that I do not owe them a dime and never have. If I owed that money at my address I would not have heat and lights and you know it.
Attaching someone elses first name to my last name and address is filthy.
You can threaten that unless I spend the time I have in life on someone elses debt that it then becomes a valid debt for you to pursue?
Why dont you pursue the right person?
But you never know right? One day, maybe soon, I will be so old and infirm that I just might pay someone elses debt and you will get a commission.
Maybe I will die and someone will pay XXXX debt to settle the estate and you will get your commission.
Debt collector, try harder to find the right person.
Remove my contact information ( address ) from your file.
Do not contact me again.
If you have reported this debt to my credit file using my address, remove it.
I will be filing a complaint with the federal consumer protection bureau.
I am sick to death of collectors coming to me for someone elses debt.
I am not signing with my name because I believe you will then update your records with it.
Look up your own account number. You have the wrong person.
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| 10/05/2021 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On approximately XX/XX/XXXX, I refinanced my student loans. My loans were previously serviced by UAS ( https : //www.uasconnect.com/ ).
The new lender made a larger payment than the balance on my loans to UAS. Therefore, UAS is supposed to refund the overpayment back to the new lender.
However, they did not make any such payment and quietly updated the balance on my account from a negative number ( reflecting the overpayment ) to zero ( suggesting that they did not owe me/ the new lender anything ).
I called UAS and they claim to have sent out the funds. I called the new lender and they said that they have not received anything. I called back UAS and they said that they have to do " research '' for an extended period of time.
After that extended period of time ( 15 days to 1 month, can't remember exactly as I had marked it on my calendar ), I called up UAS. UAS claims once again that they sent the check ( again ) on XX/XX/XXXX.
I spoke with the new lender again. Once again, the new lender has not received the check.
The new lender is being very cooperative and transparent but UAS is not providing any information. UAS is unable to provide any proof of sending the check. They are not able to provide the mailing address to which they sent the check. They are not able to provide the check number. They do not have any tracking number either. They keep changing the information when called. They now claim that it takes 30 days for the check to go via USPS. I've never heard of anything taking 30 days via USPS and I am increasingly suspicious that they haven't actually sent the check and are simply trying to pocket the money and hoping that I will forget.
In summary, I am losing money over UAS failing to send the refund check. It has been more than 6 months since I have refinanced my loans. I am not sure what the next best steps are. If this path ( a complaint to CFPB ) is unable to result in a successful resolution, then I'm thinking I file a claim in small claims court.
|
| 07/15/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX XXXX 2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my XXXX XXXX XXXX . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account.
XXXX
Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt.
XXXX
I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired.
XXXX
I asked what system that was, they could n't or would n't disclose that information.
XXXX
The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process.
XXXX
Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest.
XXXX
I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were XXXX to XXXX Eastern ; they are actually XXXX to XXXX Eastern.
XXXX
All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.
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| 03/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Older American, Servicemember |
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In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed two fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name.
The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from XXXX XXXX XXXX ( an affiliate of XXXX XXXX XXXX XXXX ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from XXXX XXXX XXXX.
In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by Transworld Systems , Inc., aka TSI, ( an affiliate of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything XXXX XXXX XXXX had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation TSI sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX XXXX ( 5 ) years previously.
We feel this continued attempt to coerce us in to paying debt created by XXXX XXXX XXXX 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.
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| 05/24/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I will like for the CFPB and the FTC to see this blanket response from TSI regarding the dispute complaint that I sent them. Unless your office can provide debt validation within 15 days then I want this XXXX deleted from my credit report immediately. The CFPB and the FTC are to protect us from Third-Party debt collectors such as yourself. I attaching the computerized statements that they sent to me and this is NO WHERE debt validation.
Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here along with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ).
I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting.
TRANSWORLD SYSTEMS INCXXXX if not valid or verified properly, delete immediately.
TRANSWORLD SYSTEMS INCXXXX XXXX if not valid or verified properly, delete immediately.
At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation.
I demand these items to be provided which would be the name of source or contact, address, phone numbers, date, day, and time when contacted. I would also need type of item, date of first delinquency, date of last payment and if the account is open or account and if it is with the original creditor or a collection agency. Please send all documents with the information above.
I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage.
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
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| 01/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been receiving numerous spoofed callerID / robocalls from Trans World Systems. They claim I owe a debt but refuse to even verify my name ( which I will not give them ). They say I have to give my personal information, which I will not do over the phone. Without telling me a name or any information on the " debt '', how can I even verify they are calling the right person 's phone? They also refuse to send anything in writing. All they do is call 2 or 3 times every day and when I block one number, they just switch to another spoofed number.
This is harassment, and robocalls and spoofed callerID are illegal. I highly doubt I owe any debt at all ( credit score over 800, always pay my bills ). But if I do, then simply send me proof in writing! Calling and harassing me with a fake phone number and then asking me to give personal information over the phone, info which they should have if I owe a debt, doesn't make me feel like this is legit.
I'd like these fake, spoofed phone calls to stop immediately. If they feel I do actually owe a debt, send me a bill with specific information such as the source and an account number. Here is just a portion of the calls I've received over the last few months : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Restricted # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( These same numbers continue all the way back to before XX/XX/XXXX XXXX
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| 11/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This company Transworld Systems , Inc, did not send me an opportunity to ask for validation of the debt and just went ahead and reported this alleged debt to my consumer report which violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As of right now, I am seeking for validation of the following account # XXXX before I proceed with litigation as I did not endorse a contract with Transworld Systems , Inc . In order for me to validate this alleged debt I am requesting all of the following and if you can not provide all of these items I demand to be compensated for damages and for the ceasing of credit reporting. The following items are : ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt.
( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
( 3 ) The entire purchase agreement, not just the bill of sale
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| 02/10/2017 |
Yes |
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- Communication tactics
- Called after sent written cease of comm
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Web |
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I have been receiving letters from a debt collector on a debt that I am disputing. I have written numerous letters to the collector disputing this debt as well as contacting the doctor 's office that claims I owe the debt. I have been told by the collection agency twice in writing that my debt has been marked paid, but then a few months go by and it all starts again. My attorney sent them a letter of representation XX/XX/XXXX. I received a letter from them dated XX/XX/2016 saying the debt has been marked paid and the account closed. Then XX/XX/2016, I get another letter explaining some crazy billing error and that once again, my account was open and I owe the debt. Then I receive a letter addressed to me with the original amount they claim I owe, only this letter asked me to send my payment to some company I have never heard of. I replied to the letter informing them that I have never heard of such a place and I do not owe any money to them. Again, the letters started XX/XX/2016. On XX/XX/XXXX, I sent my 4th letter to this company reminding them that I am represented by an attorney and reminding them that I do not owe the debt. Today, while I am at work, I received a phone call on my cell phone from a number I didnt recognize. I answered it quickly since I am at work and the person on the other end spoke with such a thick accent that I could barely understand him. I asked him who he was and he said something I couldnt understand and then he said the letters XXXX, only not in the correct order. Those are the initials of the doctor 's office that claims I owe them money. I whispered into the phone that I dont owe them anything and I quickly hung up. I dont know what else to do. I have told them in writing that I dispute the debt. I have told them now over the phone that I dont owe them. My attorney has told them in writing. They have not tried to contact my lawyer at all. This company is breaking the rules in the Fair debt collections act and I want them to stop.
|
| 05/01/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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In XXXX of XXXX I was granted deferment on my loans when I enrolled full time in school. XXXX of XXXX I began receiving letters that my loan payment was overdue. I tried for one week to get answers in regards to these notifications, but every time I called the " system was down '' and they could not bring up my information and assured someone would call me back soon. Finally, on XXXX XXXX , of XXXX I was assured that my account had always been in deferment and I was to ignore the emails and letters. Today, XXXX XXXX XXXX , I was informed that my co-borrower has received notification of payments being over 160 days past due and that consequently their credit has been negatively impacted. When I called the company today I asked to speak immediately to a supervisor. The phone called last for 21 minutes, 19 of which I was on hold. The supervisor came to the phone to tell me the " system was down '' and she could not pull up the necessary account information. I demanded someone return my call today because this was not a matter that could be ignored any further and she laughed and said that would not happen. Additionally, I have never had a smooth transaction with this loan company. I was so happy to get out of business with XXXX and switch to my credit union because I thought I would n't have to worry about being conned. Each time I have requested sums from my loan there has been some sort of issue ( i.e. the database showed I had exhausted funds when I still have {$12000.00} left, the payments were late to the school thus causing me to be locked out of my school accounts ) . I have always paid my loans on time and with no issues. I would simply ask the same out of the company I will be indebted to for the next twenty years of my life. I have always treated representatives with respect and appreciation for their help. But today, enough is enough. My co borrowers have now been impacted but irresponsibility I have no control over.
|
| 07/13/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
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As co-signer of a school loan with XXXX XXXX with the understanding that I did not want the responsibility of co-ownership of the loan. The rep at the time and I agreed that I would write a statement on the signature page on not sign on the dotted line. As long as my son was paying the loans there were no problems but when he got caught up in financial problems, they came after me. Though I am now paying the loan to XXXX, my request for " Proof of Signature '' is repeatedly answered with a computerized signature. I ask for assistance in obtaining the original signature page which may or may not allow me to clear my name and my credit.
Additionally, I contacted XXXX XXXX five years ago, about a different loan I co-sign and they said they did n't have anything for me but for my son. Six months ago I started receiving threat from their collection agency and when I had my son call, he was told that I had to pay off a complete loan ( of which there were XXXX, but only XXXX with my signature or permission ). I know it is standard practice to go after the " co '' if the payments are not made or stop but these things are insinuated on me without verification. I have tried everything to get my son to pay his loans and I do not know what my right are with the situations or the loan companies. I just want proof of signature ( not computerized ) from XXXX XXXX and because I did co-sign for the XXXX ( just XXXX not XXXX ), I need to know where to start. Now there is another, ( not sure who, please see attached ) they are requesting I pay XXXX at XXXX time when I was n't aware that there was an issue. My son has not lived with me for a couple of years and the first time they contacted me was to ask for payment is full. I am willing but I have to know where to begin and the collection people do not want to talk it out, they want money.
Any direction or assistance in obtaining the information I request as proof of my obligation/non-obligation will be greatly appreciated.
|
| 04/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 07/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I sent transworld system this document ceritfied mail and XXXX did not send the requested documents asked for in the validation request I mailed. Transworld system sent me a document that was typed out on a plain piece of paper with their logo on the top. Anyone create anything from a plain piece of paper. The response transworld system sent to CFPB is bogus! I know my rights as a consumer! Transworld system is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act.
Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.
Document evidencing your company has the right to collect the alleged debt.
The total debt balance with an explanation of all interest and fees.
Date the debt became delinquent and/or the date of the last payment.
The name and address of the creditor and the creditors account number associated with the debt.
The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company.
The names and addresses of all persons or entities other than your company to which the debt was assigned.
Send me proof that you are licensed to collect debt in my state.
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA.
Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient.
FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS!
Remove this immediately from all three credit reporting agencies for transworld system has violated FCRA laws!
|
| 11/12/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
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.
|
| 12/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, XXXX and XXXX, I received written correspondence from Transworld Systems Inc. regarding a medical bill for a XXXX XXXX for {$4500.00}.
The XXXX XXXX never received any medical related services on the dates provided on the letters from the debt collection agency.
The XXXX XXXX was not present at any facility on the dates of services nor was any care authorized by the debtor.
The parent named as the debtor never provided any consent, signature, verbal or written consent for any medical services to be provided on the date ( s ) of service.
The debt collection agency is intimidating our family by sending notices for the same illegitimate debt 3 times over the course of 4 days.
I contacted Transworld Systems XX/XX/XXXX and said this debt does not belong to me or the XXXX XXXX. I was told repeatedly that I could not dispute the debt over the phone and that the debt was valid and that it would be reported to my credit if I did not pay it by XX/XX/XXXX or accept a payment arrangement.
On XX/XX/XXXX I sent a letter disputing the debt and asked for the information that could be provided, such as the name of the original creditor.
I contacted Transworld Systems XX/XX/XXXX and asked if my letter was received. I was told there is no record of the letter 7 days after the letter was mailed US Mail.
Transworld representative said you can also submit your dispute online. I reiterated that their online website was not operating and that I was unable to get credentials to log into the website after several attempts.
The representative was getting frustrated with me and elevated their tone and told me, you are responsible for the debt and it will be reported against your credit if you do not pay it on time. The representative went on to say, your dispute, even if you really sent one, won't accomplish anything meaningful for you. You will still be liable and further action could proceed against you if you do not pay the debt in full.
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I pull my credit report and found out that Transworld System : TSI/XXXX/ ORIGINAL CREDITOR : XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The Transworld System has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt.
2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
|
| 06/24/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
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I received a letter of collection from Transword Systems INC that My daughters student loan cosigned by me was placed into default by XXXX XXXX XXXXXXXX XXXX, as she did make payments but not the amount they wanted. I received a call on XXXX From XXXX XXXX at Transworld telling me of the status of the loan and that it was due in full. he asked to verify my daughters address and phone which I did not have access to at the time of the call. I called him again on XXXX and was told that since I am the co-signer I am liable for the full amount of {$10000.00} or a settled amount. I asked about making payments. he stated that payments were not allowed. I stated " well I just don't have XXXX in my pocket '' His reply was, you have a home that is not under mortage and other assets so you do have the money. I felt like this was a threat. He also said he would not deal with my daughter as when he called her she said he had the wrong number. He told me I should pay the loan with a 0 % interest credit card. On XXXX my daughter called talked to XXXX, inquiring about making payments, and was told payments were not an option. On XXXX I called and spoke to XXXX again and asked him why payments were not an option, I was told if it was a federal student loan payments would be optional but are not with a private student loan. He did also say you and or your daughter can make all the payments you want but it will not stop negative action from being taken against you. On XXXX I spoke again with XXXX, he offered a settled amount of {$7900.00} which I could not do. I also asked for a copy of the original judgement which I never received. I called again on XXXX and spoke to XXXX XXXX, I asked for a copy of payment options offered by the company or a policy. She told me that no such document existed. I am not disputing the amount owed, just the collection method. I will have to say that XXXX was always polite on the phone but XXXX XXXX and XXXX XXXX were rude and hateful.
|
| 12/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
TRANSWORLD SYSTEMS INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXXConsumer Hotline : ( XXXX ) XXXX-XXXXConsumer Hotline Fax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TRANSWORLD SYSTEMS INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TRANSWORLD SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX
|
| 08/08/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Trying to buy a house and get a mortgage. There is a negative thing on my credit report that says I owe over 27,000 . The company that is listed on my credit report is Transworld sys inc/ XXXX XXXX XXXX . I called them to ask them about the debt. The date listed on my credit report was XX/XX/XXXX. I never took a loan from them, never got a letter from them. My last loan I took was in XXXX. The only loan to my knowledge that I owed money on was from key bank. I havent made a payment to them since XXXX. And that loan was for XXXX $ I told them in XXXX when I was having financial trouble that I cant afford the payments. They started to call my XXXX year old daughter cell phone asking for money. Im an emergency room nurse, and was calling my work everyday. I told them to stop and they kept calling and harassing me. So, I stopped paying them. I have paid off, or charged off XXXX $ in school loans since XXXX. And worked hard to get out of debt and own a house again.
When I called this XXXX XXXX XXXX, they found me in the file but would tell me the loan I apparently took out. I asked for proof of debt, promissory note, etc. they said they didnt see any in my file, and told me they never sent me a letter of debt or settlement. My mortgage loan broker tried calling them, they said they will fax proof of debt, but never faxed them anything. Now they are refusing to talk to me or him. This might cost me this house, stress, is hurting my credit and costing me a higher interest rate. The underwriter wont go threw with the mortgage with this on my credit. Regardless, if this turns out to be from key bank or XXXX, then the last time I made a payment was 5 years ago. What I rdo ad and was told that after 3 years is the statute of limitations. Please help me, rectify this situation, cause I think they have no proof that I even had a loan. Cause if they did, they would send me it, and wont.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
We opened a merchant account with XXXX XXXX XXXX back in XXXX, XXXX, And after opening the account we noticed that XXXX is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ).
We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX risk team, since XXXX was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication.
Note : during this entire period of the review, they were collecting fees from my bank account.
After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from XXXX claiming that I owe them this amount. I requested XXXX and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since XXXX didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received.
And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from XXXX and XXXX.
XXXX Thank you
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Consumer Financial Protection Bureau CFPB Consumer Help XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XX/XX/2020 Subject : Billing Harassment by XXXX Dear Sir/Madam, I XXXX an envelope from the XXXX , MA XXXX store ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, Invoice number XXXX, Tracking ID : XXXX XXXX XXXX XXXX XXXX Envelope ) to XXXX XXXX, XXXX on XX/XX/2020. XXXX charged me {$75.00} ( please see receipt and credit card statement ). It contained a rubberband bracelet that my XXXX year old daughter had made for her grandparents and a family photograph. However, upon arrival in XXXX XXXX I was told that the envelope could not be delivered because the Commercial Invoice was missing. This is XXXX fault and not mine. After much effort and extensive, but futile, communication with the XXXX folks in XXXX XXXX, I gave up. I told them ( via email ) to keep the envelope. I was very disappointed in XXXX and my daughter was upset that her grandparents did not receive their gift.
The next thing I know is that XXXX has the audacity to send me another invoice for {$75.00} ( Invoice number XXXX ). Despite contacts with XXXX by email, XXXX, phone, XXXX has not resolved the matter and has escalated the harassment by recruiting a Collection agency to collect {$75.00} ( Total charge {$85.00} ) from me.
At this point, I sent the Collection agency ( Transworld Systems XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, File # XXXX, XXXX XXXX, Invoice number XXXX XXXX XXXX ) a notice to stop and a copy of the receipt for {$75.00}.
As a consumer, I want to know how I can stop XXXX from harassing me with these collection notices. Additionally, I want a refund for {$75.00} since XXXX lost the commercial invoice.
This whole process has been very stressfull and I would like to know my rights and how I can make a big corporation like XXXX more responsible for its actions I will mail you this letter and receipts.
Thank you very much, Name and address withheld
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX. I had intended to purchase a home warranty through XXXX XXXX with the purchase of my new home. I placed multiple calls to them and had a few conversations with various persons who promptly transferred me on to another person who did not answer. I left many voicemails during the period of XXXX XXXX thru XXXX XXXX. Through continued attempts by pushing option " XXXX '', I was promised return calls and the XXXX I received said my warranty would not cover the issue for one reason or another. At one point they even said someone came out for a second and said there was no drain clean out so it would again not be covered. I was workingfrom home and could not have missed I could not have missed them had they come. Furthermore the drain cleanout is at the front of the home, visible from the road.
I had what appeared to be a pool leak. After many many calls they agreed to send out a pool person who was to contact me before coming. I was present at the home but he did not call. He did not look at my pool or at anything besides the pump which was, and still is operating just fine. I have a witness to this encounter.
The company left me a message that this also would not be a covered repair as he reported that I had a leak in the solar panel. That is on the roof. He never looked at it. And that my pump had overheated and therefore it would also not be covered. My pump still is working fine. I never reported a pump issue.
As I said I made many attempts to discuss the issues but they are obviously not staffed well enough to answer the calls and the person that no one can reach only works til XXXX Pacific time ...
I opted not to purchase the warranty due to very poor, dishonest service and contractors. I never bought the warranty. They have attempted to bill me for XXXX and sent XXXX to collections, which is now XXXX. I am now being contacted by Transworld Systems Inc, repeatedly and they have yet to demonstrate that I purchased the warranty.
|
| 07/14/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues.
Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ).
This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues.
I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX
|
| 03/31/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
I was made aware of the suit between the CFPB and XXXX XXXX, specifically regarding the high interest XXXX loans. I was forced to take out one of these private loans or have to drop out of school in XXXX XXXX. I was originally quoted 6.8 % but ended up not getting approved for whatever reason and landed 14.9 %. I was never notified of the suit until I found out on my own recently. I graduated in XX/XX/XXXX but my transcripts and diploma were withheld until XX/XX/XXXX. My loan was sold to University Accounting Service in XX/XX/XXXX. I am not sure how or why. I have had issues with them from the beginning. Their site is very sketchy, they have added a new " convenience fee '' so that I can continue to pay with my debit card. The fee will be waived if I give them my bank account information! I am not comfortable with this. Last month they sent me XXXX statements to pay. It seems like it is always something new. With the high interest, I will never be able to pay this loan off. I recently asked them for proof that they did in fact have my loan and all they could send me where the transfer papers. Which I have. The XXXX address does n't match and they could not provide me with anything else. When I called them asking questions abou the XXXX % decrease that should have been received due to the law suit they were annoyed. They said I did not qualify. I asked about a possible forbearance until my attorney could get to the bottom of this and they said they could no longer speak to me and if I had infact been speaking to an attorney about this matter that all communications and requests for my original loan documents would have to be from the attorney. I am stunned. I do n't know what to do, what my options are and received no answers regarding the decrease in my loan. Now they refuse to talk to me period and I will have to continue paying them or risk credit issues? I am sick to my stomach and have no idea where to go from here. Please help!
|
| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX ( XXXX XXXX ) - Dispute Customer # XXXX {$87.00} To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain.
I challenge the accuracy, compliance and reportability of this listing.I never gave consent to any documents or subscriptions.
There is no valid claim, no contracts exist.
Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
|
| 07/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint submission is in regards to a false credit report by TRANSWORLD SYSTEMS INC ( XXXX. XXXX XXXX XXXX, DE XXXX ). I have made attempts to rectify this matter with them directly, but they have now been unresponsive. I spoke with a few representatives by the names of XXXX XXXX, XXXX XXXX, & XXXX XXXX all who gave me different balance amounts. It took over an hour to find the alleged account belonging to me. When I spoke with Supervisor XXXX XXXX, she stated she would fax me all information regarding the alleged dept. I received a fax ; however, it was only for a settlement offer which I did not request. This led me to believe TRANSWORLD SYSTEMS INC is in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I have no obligations to which they failed to provide any evidence of. I called again and spoke with XXXX XXXX to retrieve a fax number to forward the Management Department a Debt Of Validation letter. I faxed her the documents on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after notifying them, I still haven't received a response. I respectfully asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$2100.00} ). I have never made any agreement with them or the original creditor to pay this alleged debt. I was also not properly notified of this false reported debt. I am requesting TRANSWORLD SYSTEMS INC to permanently remove my information from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, TRANSWORLD SYSTEMS INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not removed and updated immediately to all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ), I will be pursuing legal actions.
|
| 02/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
During the first week of XX/XX/XXXX, my wife received a phone call from Transworld Systems Inc ( TSI ) stating they were collecting a debt of approximately {$17000.00} from me in connection to an XXXX XXXX XXXX accident that occurred on XX/XX/XXXX. She explained that I am in the US XXXX and was XXXX overseas from XX/XX/XXXX through XX/XX/XXXX and did not rent a car from XXXX during that timeframe. On XX/XX/XXXX, I received a letter from Transworld System Inc which included paperwork from XXXX XXXX XXXX XXXX detailing the original renter 's information. The driver associated with this account is simply NOT ME! His last name is my first name and his middle name is my last name but that's where the similarities stop. His address listed on the paperwork they sent me is an address I've never lived at in a city I've never been to. A cursory credit report check shows I've never lived at that address. A DMV records search that my drivers license number is not the same as that of the person who rented this car. In fact, a 2-minute XXXX search gave me a pretty good idea of where the actual person they're looking for is. I explained this over the phone but I'm still receiving letters for a debt incurred by someone else. TSI is being irresponsible and unprofessional, even negligent, by finding someone with a similar name and focusing attention on the WRONG PERSON. I shouldn't have to prove that was overseas serving my country at the time they say i was wrecking a rental car.
Phones calls made to TSI simply led to endless transfers and automated responses. I attempted to complain via their website in accordance with the directions outlined in the cover page of the letter they sent me ( attached ) but the website requires a registration code provided by TSI to log on. No such code was provided.
In short, TSI has incorrectly identified me as the person who owes XXXX XXXX XXXX {$17000.00} and now I am unable to contact them that settle dispute.
|
| 04/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received phone a phone call last week from Trans World Incorporated regarding a debt. Informed them at that time that I was on medical leave with no income, would make a payment when able. Received a phone call XXXX from trans world on line XXXX at XXXX and was hung up on. Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected. Return the phone call, am identified and disconnected. Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date. The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today. I did offer to send blood. I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt. I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”. I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word. I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader. I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact. She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks. I was not offered a post dated payment option. I was not offered a payment plan. I was only offered / demanded payment in full today.
|
| 02/13/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).
|
| 05/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I lived and went to school in Washington, DC from XX/XX/XXXX-XX/XX/XXXX. When I decided to leave DC I disconnected my XXXX ( XXXX ) account and paid off and verified the account was closed in person. I was made aware that account was closed and that I owed no money. That was over 5 years ago in XXXX ( closed the account ) and XXXX ( paid the last months balance ). I recently, mid-late XXXX, received notification from XXXX XXXX that I have a collection on my XXXX credit report, and my credit dropped in the 600s. It showed that it was XXXX and that the collection account was activated in XXXX XXXX, for a total of {$340.00}, an amount I never accumulated for an electric bill. I haven't received any notification from XXXX that I had a deliquent account or an outstanding balance in the past six years since closing the account, I also still haven't received anything from the collection agency, Transworld Systems, when the account was in collections with them. Fair debt collection practices states that they are to contact me within 30 days of the account opening. I've called and left messages with my address and phone number on numerous occasions : XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX. I wanted to get clarification as well as explain my experience and knowledge of the account. If necessary, to negotiate payment and work to get this removed completely from my account. I know for sure that I paid my balance and was told in person that the account was closed and resolved, so either the company continued an account without my knowledge and permission, or reopened it for that apartment again without my knowledge and permission. Representatives explained that the collection agency is located within the utility business, and while the XXXX representative would not give me details of the account she forwarded me to the collection department, which I continued to follow up with, to no avail over a month later.
|
| 12/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The accounts are a result of the XXXX XXXX XXXX data breach and the XXXX XXXX breach. My information was leaked and I was affected. I have filed identity theft reports in XXXX, XXXX, XXXX and XXXX due to the leaked credit information used as fraud. I have tried to dispute information and have been unsuccessful and companies are says info is verified and charged off with no proof of this being the authorization on myself. No explanation in writing or reasoning for validating debt. Being that said it is charged off and no 1099c was sent to me via mailing or email.
Accounts : Transworld Systems INC- Disputed and company did not send verification of debt as it relates to company. Requesting removal from all three bureaus immediately.
On XX/XX/XXXX the CFPB posted ; the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), which both enforce fair credit reporting laws, filed an amicus brief in the U.S. Court of Appeals for the Second Circuit in XXXX XXXX XXXX XXXXe Bank, to help ensure that companies that provide information to credit reporting companies comply with the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong.
All debt above are reporting inaccurate info and is result of identity theft.
Also, according to the CFPB XXXX case against TSI Transworld Systems ; against consumers of student loans filed lawsuits that they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Then they were ordered to pay {$2.00} million for penalties. They ( TSI ) still use frivolous tactics against consumers and is the reason I am filing a complaint against Transworld. System Inc.
Hoping this can be taken into consideration of the companies non truthful business tactics. Same letter was sent to all 3 agencies for validation.
|
| 03/16/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
Older American |
|
I was told by Social Security that the XXXX had put in a request to take {$160.00} from my check. They told me to contact the XXXX. When I called them I was referred to Transworld System , Inc. In speaking to them 2 months before the deduction was suppose to take place. I told them I needed to make arrangement to pay my student loan at a lower rate because I was not working anymore and I was now on Social Security and I could not afford for them to take this {$160.00} because it would be a hardship for me because I was on a fixed income and I was a senior. They told me if I went into their program for the Student loan, this will stop them from taking money. I signed all the papers to go into the program for 9months. They would take {$5.00} a month for 9 months and I would move out of default status and continue paying the loan until its paid off. This was not true. Not only did they take the {$160.00} they also took the {$5.00} from my account which I signed up for. This is causeing me a hardship because now I am short on paying my rent because. I still have co-pays for my XXXX medicine because I am XXXX. This was the purpose of me going into the program to avoid this situation. They told me this would prevent this from happening. The company is very unprofessional because I have called them left messages and they never call you back. You have to keep calling them and every time you reach them a different person answer the phone and they always come up with some other documents needed. I 've called several times and they have told me that my counselor XXXX XXXX XXXX is not in, but they will get the documents to him. This is very unfair to anyone and more less a senior. What was the purpose of getting involved in this program? If this was going to happen, maybe I could have research a way to speak with Student Loan Department. Transworld said they were working on behalf of the XXXX Student Loan Education.I was misinformed.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was just notified of a debt collection that is not mine. The debt collection agency name is TRANSWORLD SYSTEMS INC and the amount owed is {$37000.00}. According to my XXXX credit report, the collection account was opened on XX/XX/XXXX. The original creditor is listed as XXXX XXXX. This looks to be an apartment complex in XXXX XXXX, Georgia ( XXXX XXXX XXXXXXXX ). I have never lived in Georgia. I live in Washington , DC and can provide my apartment lease and utility bills upon request. I have lived in the same apartment in DC since XX/XX/XXXX. This is now the FOURTH APARTMENT that has been rented in GA using my identity since XXXX. I am truly astonished that my identity is continuously being stolen by someone in Georgia despite the security freeze and fraud alert on my credit. I previously submitted a CFPB complaint in XX/XX/XXXX for two other fraudulent accounts/ collections ( complaint no. XXXX ). The XXXX XXXX XXXX XXXX collection ( XXXX XXXX in GA ) was confirmed as fraud in XX/XX/XXXX ; I received an official fraud confirmation letter. The XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, apartment in GA ) is still under review. I called XXXX today for an update as I completed and mailed XXXXXXXX XXXX Fraud Affidavit in XXXX and provided all requested supporting documentation ( current lease, 1.5 years of utility bills, copy of Driver 's License, etc ). XXXX received the packet in XXXX. It has been XXXX months and I have yet to hear back. I was provided an email address today and sent an email requesting a status update. My identity was first stolen in XXXX and used to rent an apartment in Georgia ( XXXX XXXX XXXX XXXX ). The debt was confirmed as fraud and cleared from my credit in XX/XX/XXXX ; I received an official fraud confirmation letter. Please let me know if any other information is needed. It is completely unacceptable that my identity is continuously being stolen and used to rent apartments/ open accounts in GA!!
|
| 08/25/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received my loan statement XX/XX/XXXX, my principle balance was {$720.00}. On XX/XX/XXXX I made a payment of {$250.00}, {$240.00} went to my principle balance. I checked my account again on XX/XX/XXXX and my current balance was {$820.00} and accruing interest charges base off that amount. I notified UAS/XXXX XXXX of the mistake on XX/XX/XXXX to which they replied they were waiting on an account specialist to advise them on what to do, I requested documentation of the additional charges on my account. On XX/XX/XXXX they emailed me a copy of the loan details that did not indicate any fees or charges that justified the increase in the current balance. I restated the issue and asked for documents supporting this increase and asked they review my statement from XX/XX/XXXX and compare the current balance available with the principle balance on my statement ( {$720.00} ) and the payment ( {$250.00} ) applied to the account on XX/XX/XXXX. On the XXXX I checked my account again and the principle balance was {$730.00}, I emailed requesting an explanation and restating that the amount was still incorrect. I issued another payment of {$250.00} on the XXXX, an additional {$240.00} was applied to the principle balance. Today, XX/XX/XXXX, I got an email from UAS stating they had made a slight adjustment to my account and claimed " the rollback/roll forward and missing accrued interest recalculation from XX/XX/XXXX is what caused the balance to change. ". My current balance as of XXXX CST was adjusted to {$570.00} which is still the incorrect amount. I have emailed them multiple times today informing them that the new balance only takes into account {$250.00} of the {$500.00} I have paid this month on my loan. They claim the current amount of {$570.00} is the correct amount due. I informed them that based off my principle balance and my payments that is incorrect because {$720.00} subtracted by {$480.00} does not equate to {$570.00}.
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is to formally advise Transworld Systems , Inc. that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second notice including my certified letter, and I have had no correspondence back from your company.
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer.
-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you.
I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
|
| 08/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 XXXX located at XXXX XXXX XXXX , XXXX XXXX, PA XXXX, who is a A third party debt collection agency REMOVED the collections account ( Acct # XXXX ) on my XXXX, XXXX and XXXX report after I disputed via certified mail and asked for debt validation. I asked them to send the agreement they alleged have with the original creditor that duly authorizes them to collect on behalf of my alleged debt. I asked them to send the agreement reflecting my signature that confirms my acceptance of the obligation. and I asked them to send the complete payment history on the account. They DID NONE of these things. -WHICH IS WHY IT WAS DELETED ONCE ALREADY. ( documents are attached to this complaint ) The response was removed because they COULD not validate my debt nor could they provide proper documentation that supported their allegations. I got a notification that my credit score dropped 4 points due to a new collection account. Well, XXXX/XXXX decided to report this account AGAIN. This has caused so much damage to my credit report after I properly went about disputing the information and they failed to provided proper information in return. Lets not forget that they have been in violation of many of my consumer rights that are backed by laws and continue to do so, by " choosing '' to furnish inaccurate collection account information on my consumer report that I did not give permission to report pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ). They may not know but I am well aware that a consumer as the right to privacy and can ELECT to have his/ her name, address, and any other information excluded from a consumer report : 15 usc 1681 ( c ) ( 1b ) ( iii ).
Secondly, I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and have simply been in violation of my consumer rights pursuant to FDCPA, and 15 usc 1692 ( a ), 15 usc 1681 ( a ) ( 1 ).
|
| 02/09/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
XX/XX/XXXX THIS IS CONTINUATION OF MY PREVIOUS COMPLAINT, BUT I HAVE NOT HEARD FROM THEM TO RESOLVE THE MATTER, PLEASE PROVIDE UPDATE, SEE COMPLAINT BELOW ***************************** 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, PA AND EXCELLED IN HIGH SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX PROGRAM- HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN XXXX, 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 COLLEGE IN XXXX - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - 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 XXXXXXXX -- -- -XXXX ON - I NEED ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, 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 *********************************************** XX/XX/XXXX I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES.
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
|
| 10/13/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from XXXX XXXX XXXX for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XX/XX/XXXX and the judge deferred in my favor because the signature was not mine.
XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did.
In XX/XX/XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " Transworld Systems Inc. '' I had never received notification from Transworld that they were collecting a debt. I called Transworld and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to Transworld that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to Transworld to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report.
A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back.
I submitted a complaint with XXXX ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done.
I believe Transworld Systems is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
|
| 09/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a bill from XXXX XXXX XXXX XXXX XXXX for itemized charges of two appointments that were not sent to medical insurance. I was an employee working at XXXX XXXX XXXX XXXX XXXX at the time of the charges. The first charge was for a covid-19 shot that was provided to every employee during an employee vaccination clinic which was free of charge to employees. XXXX XXXX XXXX XXXX XXXX billed me for this vaccine. The second set of charges were for a medical appointment which I received an itemized bill for provider visit and urinalysis. Based on the medical insurance, I should only have been charged for a copay but instead received an itemized bill where the company is trying to collect more than what is actually owed to them. I attempt to contact their billing department via phone multiple times and left multiple voicemails asking them to please bill my insurance before I would pay the bill, but I didnt receive any calls back. I sent XXXX XXXX XXXX a check for {$20.00} for copay, which XXXX XXXX XXXX did cash. They subsequently have sent the remaining bill with the incorrect charges to two different collection agencies. I just received the letter form the second collections agency yesterday. I had sent a letter to the first collections agency asking for verification of the debt and to provide proof that the insurance was billed, but they were not able to provide this information and instead sent me another copy of the incorrect itemized bill. The debt should be satisfied by the {$20.00} check for copay that XXXX XXXX XXXX cashed. The insurance copay covers the provider visits and urinalysis test done. I do not owe a debt for the covid-19 vaccine because I was an employee working at the XXXX XXXX XXXX at the time that I received the vaccine at one of the XXXX XXXX XXXX internal employee vaccine clinics. My medical insurance was on file with the company I properly checked in with their front desk staff.
|
| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I am aware that according to article 9, the assignment of an Alleged defaulted debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with XXXX XXXX XXXX XXXX nor am I validating any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a bilateral contract nor a trilateral contract giving Transworld Systems Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems Inc. If Transworld Systems Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, a consumer, prior to furnishing this on my consumer report, this has/and will have been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 06/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Transworld System , Inc.
CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.?
The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe.
Please visit XXXX XXXX XXXX and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call?
Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off.
If still not believing, please visit and review the Consumer Affairs website regarding the Transworld system - XXXX XXXX XXXX
Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life?
I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review.
Thanks, XXXX XXXX
|
| 02/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX veteran with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. Consumer received no response, so a CFPB complaint was filed on XX/XX/XXXX ( XXXX ). In response to this complaint, TransWorld responded providing statements from the original account as validation. However, these statements do not address the concerns outlined in the complaint, and do not show ownership of this account by TransWorld. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 01/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I recently received a letter from a debt collection agency indicating I owe XXXX {$20000.00} ( plus interest ). I was reportedly out of compliance with my XXXX XXXX XXXX contract. I was approved for the award, and in XX/XX/2019 I received a promotion within my agency ; however, it was at an unapproved site. I attempted to contact XXXX via phone indicating I would not be participating in the yet-to-begin ( contract to begin XX/XX/2019 ) contract, as I was moving to another site. In XX/XX/2019, I received the award in my bank account. I attempted to return it and contacted XXXX, but they said I never canceled my contract ( even though I called earlier in the year ) ; they said I had to submit written notice, although I was not advised of that when I called to cancel. After attempting to dispute and resolve this issue for close to a year, I was required to pay back the {$20000.00} award PLUS over {$10000.00} in fees. {$20000.00} was easily covered, as I held the award in a savings account, because I kept trying to return it. I have attempted to contact XXXX, but they are unable to assist me or provide me with any information as to why I reportedly still owe XXXX {$20000.00}. I got my last paycheck and learned my wages are being garnished, in the amount of almost {$500.00}. I contacted my HR department to see if they could see what the deduction was for, and they can't see that information, only that it's a federal debt. Interestingly, I have received no notice or communication that my wages would be garnished, nor has my agency ( XXXX XXXX XXXX XXXX ), which is inappropriate, unprofessional, and negligent. Please contact me to discuss, and hopefully clarify/resolve this issue. I should never have received a notice from a debt collection agency that I owe XXXX money with XXXX contact from XXXX, and now that I'm formally disputing the debt with the debt collector, I should not have my wages garnished.
|
| 10/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX XXXX Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with XXXX XXXX. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a XXXX XXXX XXXX injury. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted XXXX XXXX advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from XXXX XXXX telling me that they had turned the matter over to a collection company by the name of Nationwide Credit. Since then I have received threatening correspondence from Nationwide. Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies.
According to the CCPA of 1968 as well as the Americans with Disabilities Act and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of XXXX XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by XXXX XXXX and Nationwide Credit. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse.
I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.
|
| 06/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Transworld System , Inc.
CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.?
The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe.
Please visit XXXX XXXX XXXX and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call?
Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off.
If still not believing, please visit and review the XXXX XXXX website regarding the Transworld system XXXX XXXX XXXX XXXX
Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life?
I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review.
Thanks, XXXX XXXX
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| 10/18/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX To Whom It May Concern : I am writing to let you know that I have received your collection notice for a defaulted student loan in the amount of {$28000.00}.
This debt, originally accumulated as a private student loan I received when I was enrolled at the University XXXX from XX/XX/XXXX-XX/XX/XXXX, was a debt that I began paying on after I began my XXXX career XX/XX/XXXX. Since that time, I have made monthly payments in increments of {$280.00} a month, from XX/XX/XXXX until XX/XX/XXXX. XX/XX/XXXX, I was informed in a phone call I made to you regarding my payment structure, that my student loan was in default after you received no monthly payment for two consecutive months.
I received no written notification of this change of status when it occurred.
I was told in that phone call that making an interest payment at that time, and continuing to do so until such a point that I could begin making payments on the principal, would in turn remove my account from default and would allow me to bring my debt into good standing. XX/XX/XXXX, after receiving notification that my loan was being sold to a debt collection service known as Transworld Systems, I contacted Transworld Systems and challenged the legitimacy of the debt on the grounds that I had received confirmation from a loan service specialist managing my account under your supervision, that providing interest payments on my loan would " bring the debt into good standing, '' and thus bring my debt out of default.
I have yet to receive any acknowledgement by you, your company, or its affiliates, that you or your agents ever spoke to me regarding such an agreement. I am challenging your authority, therefore, in managing this debt, on the grounds that you and your affiliates are held responsible for false testimony and are ultimately guilty of perjury.
Please feel free to reach me if you would like to schedule a hearing on this matter.
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| 05/24/2022 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SS # XXXX { TransWorld Systems Inc } { XXXX XXXX XXXX XXXX, DE XXXX United States } XX/XX/XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, This letter is in reference to a direct violation of the Fair Debt Collection Practices Act regulation to which a phone call was made to an unauthorized party disclosing personal information concerning the debit to an unauthorized party that has nothing to do with the debit this person was nether a relative or my spouse. It was brought to my attention your collection agents from TransWorld Systems Inc representing XXXX XXXX surgeons called a friend of mine at XXXX on XX/XX/XXXX approx. at XXXX AM in the attempts to locate assets as described to me by the attorney ( XXXX XXXX XXXX XXXX, XXXX ) handling this arrangement. I am filing a direct complaint with www.consumerfinance.gov therefore you can take heed that I am very serious about filing suit against your company. It was made clear to me by attorney ( Counsel XXXX XXXX XXXX, Esq ) that her firm or company had sent a notice to you and your team to remove XXXX XXXX from the list for any further contact or collections but due to your error and lack of detail you have publicly disclosed my personal debit to a party outside of the Fair Debt Collection Practices outlines as the proper persons and or individuals to contact and the proper information to release to properly authorized individuals which puts you did not do in this case which puts you in direct violation of The Fair Credit Reporting Act of 1970 'A debt collector generally can not discuss your debt with anyone but you or your spouse. If an attorney is representing you, and youve told the collector, the debt collector must contact the attorney. '' I await your response.
Sincerely, ____________________________ XXXX XXXX XXXX : Federal Trade Commission ; Attorney General
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| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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A physician at XXXX XXXX tried to bill and code my insurance for being out of network. The matter was addressed numerous times and aggressively disputed. The collection agency for the physician and I can only assume the XXXX uses a collection agency that seems to have many names and per an employee, they represent hundreds of physicans and/or hospitals. The collection agency goes by so many names I can't keep up with them. The name that is falsely reporting on my credit report shows : Transworld Systems Inc. Acct # XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX, XXXX. This matter is compounded because they apologized for putting this matter in collections because it should not have been a debt and charged to begin with because I NEVER gave them consent and they never gave me notice of ANY out of network doctor appearing for a pre-op class. I received a letter of a XXXX balance. They removed it. I also have a document where they stated back in XX/XX/XXXX and I quote : " According to our files, we have not reported account XXXX XXXX to a credit bureau. '' XXXX XXXX advises it was not there in XX/XX/XXXX, this year and now it appears out of no where. So, to me once again, they have acted improperly, illegally, deceptively, and in bad faith and causing me harm by wrongfully reporting this account as a collection on my credit file. Transworld Systems has taken repeated actions that should scare and deeply concern any consumer. On Thursday, XX/XX/XXXX, I called this company and spoke with XXXX. He is a " is patient liaison manager ''. It does not appear from a message he left following our phone conversation that they intend to fix this again and not sneak another derrogatory comment in my credit file regarding something that wasn't a valid debt to begin with and one they said they had not done and one they cleared to a XXXX balance due to a mistake of their own. XXXX 's number is His number is XXXX XXXX.
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| 04/04/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/202, I rented a car from XXXX in XXXX XXXX, XXXX, NY. The rental was from XX/XX/2022 XXXX XXXXXXXX XXXX As required, I returned the vehicle on XX/XX/2022 ( around XXXX XXXX ) to the drop-off location listed in the rental agreement ( XXXX XXXX XXXX in XXXX XXXX XXXX VA, XXXX XXXX has an office ). There was no one from XXXX present when I arrived to drop off the keys, even though it was during its normal business hours.
I followed the directions that I saw written on a paper posted on the door of the office, that stated I should drop off the keys in its drop-box. I have a photo of these instructions, which shows the time and date taken ( around XXXX XXXX on XXXX XXXX XXXX ). I then called XXXX 's customer service number to confirm that this was correct.
My father witnessed this call to XXXX 's customer service and its acknowledgement that I had returned the vehicle correctly ( I have a record locator number for this call ). My father was my ride home, so he witnessed me drop off the vehicle at the exact location listed in my rental agreement. He is willing to testify as a witness. On XX/XX/2022 I received an email from XXXX XXXX, who works at XXXX. She requested an affidavit that I returned the vehicle I had rented. I emailed her MANY times with no response from XXXX XXXX, and no communication from XXXX whatsoever.
On XX/XX/2022 I saw that XXXX had charged my debit card ( the original payment method that was used for the rental ) a total of {$3400.00}, which was the entirety of my check account at the time. I saw that they also emailed me an invoice for {$11000.00} - claiming that I had not returned the vehicle until XX/XX/2022 at XXXX XXXX.
XXXX has now sent me to collections via Transworld Systems for the {$11000.00} charge, destroyed my credit, and will not cooperate with myself or my lawyer. I have a large amount of evidence proving I do not owe XXXX more than {$110.00}.
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| 03/16/2021 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I had take a student loan out through my local credit union which was routed through University Accounting Services referred to as UAS from here. I have experience in loans and finance and believe their tactics are predatory.
Although through UAS they have several companies like XXXX XXXX and XXXX XXXX. I updated my address with UAS and checked the balances to ensure I was not past due which made sense given I just graduated.
After this my father and I received a delequincy notification from the provider. Trying to make this right I called UAS which was the company on the bill saying past due. They informed me that everything was fine and it was likely an issue on the credit scoring company. A month later I get a second delinquency notification. After calling back I found out they weren't looking at both companies they owned and had two separate portals for their loans. Because of this despite calling and trying to pay I was not getting bills to the right address, and it showed now balance in my portal.
Having two separate portals and treating them as two separate services is very deceptive in my opinion. As a consumer I am still dealing with this and now have had my credit score dropped over 100 points and have waited 15 days for a response after being told to email the company and complete aforebance form despite multiple follow-ups. The worst part is I have stated multiple times I am fine paying them if I owe money on my loan and set-up monthly payments to ensure there is no issue but I have been meeting with hostility.
The company has framed it as my fault I didn't understand they own two separate loan providers despite both being owned by there company.
Once XXXX comes if they have not fixed it I will have had a triple month delinquency. This is affecting both my father and I and could very well likely delay my ability to purchase a home due to the massive credit score drop.
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| 04/14/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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Federal or Private loan : I do n't know because this is a fraudulent loan that I never received.
I have filed more then XXXX complaints over the same exact illegal, non existing student loans. I have never received these funds. XXXX XXXX XXXX XXXX XXXX has refused to validate the loan. They have lied multiple times including stating they were a candy shop to collect information. They have called my neighbors in attempts to locate me. They have treated to file a police report if I report them. I have already filed these complaints with the Federal Government.
This loan is resurfacing. I also have these fraudulent loans showing up on my credit reports as " wright-offs ''. There has been zero accountability from any of the companies involved with collecting the money, selling the fraudulent loans to new companies, and no company has been required to provide information about the loan.
I asked in XXXX ( before I graduated collection ) for proof of this loan. Instead of mailing me the fraud packet, the company sent me letters stating they would report me to the police for filling false charges. In XXXX, XXXX, XXXX, and now XXXX, I have filed statements requesting this company prove these loans existed.
There was only XXXX loan during this time, not XXXX loans. 100 % of the loan is currently at another bank. The loan is not late and the bank has not attempted to collect because I am still in college.
This company has violated ( XXXX ) the fair credit report act XXXX XXXX XXXX the collections act. I seek damages for the destruction of my credit reports. I seek damages for the years and years of stress and humiliation. I can not even answer my phone because of these fake loans. XXXX time, the agent at XXXX XXXX XXXX XXXX XXXX acted as a client to book an appointment at my work.
However, I have already been in contact with legal counsel and I plan on building a lawsuit against this bank.
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| 02/17/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I got treatment at XXXX XXXX last year ( XXXX ) XXXX. Each time I went, I paid and was told that was the full payment. Months later they are harassing me for anywhere between {$190.00} and $ XXXX, and it keeps changing. I need a letter telling them that I do not owe this bill, that they are to cease and desist, and clear my balance to XXXX or I will take further legal action, whatever that would be. I don't know. I can provide bills and dates but I'm not sure if I can find everything outside of from their website. LMK what I need. At one point they told me all I needed to do was call my insurance company, but I told them that they are overcharging because it was supposed to be paid in full at the time. Regardless, I have called their billing department numerous times and they have only called me back once and left a message. I have been unable to get in touch with them, and as I mentioned above, they keep changing the amount they say is due. I believe this is at best incompetence, at worst, they are scamming me with fraudulent medical billing. I'm not sure which, but the fact that I can not get in contact with billing is a bad look.
I had my lawyer write them and their collection agency, Transworld Systems ( XXXX ) XXXX, to tell them this, and to stop contacting me, and they have contacted me at least 12-20 times since then through calls and letters. I am filing a complaint here and with the XXXX Attorney General about their deceptive business billing practices and collection practices.
I am including the draft letter from my attorney ; I have just requested a copy of the final letter, which I will update here later. The changes are minimal and do not change any meaning of the letter.
THE LETTER WAS SENT XX/XX/2022. AS OF THIS DATE, NEITHER I NOR MY ATTORNEYS HAVE RECEIVED A RESPONSE TO THIS LETTER. I HAVE ONLY RECEIVED MORE HARASSING CALLS AND LETTERS ABOUT THESE FRAUDULENT CHARGES.
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| 12/19/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.
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| 04/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Servicemember |
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A lawsuit or settlement is likely to be pursued in U.S. District Court, in The Hawaii XXXX in XXXX, Hawaii.
The debt collector for federally gaurunteed debts, XXXX, wrote a fraudulent check in my name suggesting that I signed it and attempted to submit it as an electronic payment. This check would have deducted {$500.00} from my checking account where I only receive disability payments from the VA as I am rated as permanently and totally XXXX.
The debt collector by contract and law has to review and take into consideration all circumstances while collecting a debt, to include a person experiencing financial hardships who is permanently and totally XXXX only reveiving income from one source for disablility.
Furthermore, the debt collector is required to get a verbal agreement over the phone to process a payment in order to collect a debt in the form of a " check '' and disclosures must be read, accounts must be reviewed.
The debt collector outright submitted a check that I did not sign. If this check # XXXX were to have cleared my account, my wife, my XXXX XXXX XXXX daughter, my XXXX XXXX XXXX daughter, and my XXXX XXXX XXXX daughter would starve to death and I would not have electricity in my apartment. My infant child is going to go through XXXX and will need Durable Medical Equipment in the home that requires electricity. Without electricity, it is not possible to do so. All my food would spoil and we would not have anything for the month to eat, all because someone at TSI wrote a fraudulent check and signed it in my name without following the company policies, which could dictate by law fraud as apart of this lawsuit. These are very real circumstances and I can prove that they are real.
The debt collector did it without my authorization. The last conversation I recall with the debt collector is that I would do it online at my convenience. I never set the payment up online.
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| 03/17/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My complaint is regarding Transworld Systems. I have requested several times, via correspondence and telephone calls that Transworld Systems delete a collection account they have listed on my credit report. Transworld Systems has not complied with the Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act, FCRA, and FDCPA. Transworld Systems ' response to my request for verification of this collection account includes the final invoice from the original creditor. This is not what I'm requesting they provide. I would like and have been requesting for months, that Transworld Systems provide me with the original contract bearing my signature from XXXX XXXX stating that I ever agreed to pay an assigned debt collector. To date, they have not provided this to me. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Transworld Systems is breaking the law by negatively reporting this information to the Credit Bureaus. Further, On XX/XX/2022, I paid the full amount due on the account ( {$680.00} ) to XXXX XXXX, the original creditors. I then, contacted Transworld Systems asking them to remove this bogus collection account from my credit report since I never owed them any money and they could not prove to me that I did. They stated that since I paid XXXX XXXX, I should contact XXXX XXXX to have the collection account removed. I then, contacted XXXX XXXX who informed me that Transworld Systems is responsible for removing the account. I am submitting this complaint today because Transworld Systems should not be allowed to list this account on my credit report since they never proved that I was in debt to them ; and since the account has been paid to the original creditor, XXXX XXXX, the account/debt should be removed immediately, it is causing me great financial hardship. Thank you for your help!
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| 03/17/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My complaint is regarding Transworld Systems. I have requested several times, via correspondence and telephone calls that Transworld Systems delete a collection account they have listed on my credit report. Transworld Systems has not complied with the Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act, FCRA, and FDCPA. Transworld Systems ' response to my request for verification of this collection account includes the final invoice from the original creditor. This is not what I'm requesting they provide. I would like and have been requesting for months, that Transworld Systems provide me with the original contract bearing my signature from XXXX XXXX stating that I ever agreed to pay an assigned debt collector. To date, they have not provided this to me. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Transworld Systems is breaking the law by negatively reporting this information to the Credit Bureaus. Further, On XX/XX/2022, I paid the full amount due on the account ( {$680.00} ) to XXXX XXXX, the original creditors. I then, contacted Transworld Systems asking them to remove this bogus collection account from my credit report since I never owed them any money and they could not prove to me that I did. They stated that since I paid XXXX XXXX, I should contact XXXX XXXX to have the collection account removed. I then, contacted XXXX XXXX who informed me that Transworld Systems is responsible for removing the account. I am submitting this complaint today because Transworld Systems should not be allowed to list this account on my credit report since they never proved that I was in debt to them ; and since the account has been paid to the original creditor, XXXX XXXX, the account/debt should be removed immediately, it is causing me great financial hardship. Thank you for your help!
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| 11/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Issue is identity theft allowed by apartment, and fraud allowed by apartment and utility company. They have a business relationship and neither party has attempted to rectify the situation. Both parties knowingly allowed me to be charged electricity that i did not utilize even after proof was provided.
If tenant had moved in with utilities set up, i would have never been charged. Apartment is lying, and utility company has allowed it. They could reimburse me and obtain the outstanding debt to the occupying tenant that it belongs to. Apartment has refused to send me their information.
XX/XX/XXXX was the month i moved out of this apartment. I had to set up utilities with my lease term in the beginning, and I was not allowed to get keys until this had been done.
When I moved out, the new tenant used my account to set up utilities. The utility company claims it is impossible for the same address to be on two account numbers, and this tenant used my account number knowingly and the apartment never verified their account was set up.
This violates their move in policy with the apartment complex, and XXXX confirms this by stating the account was never set up in their name.
I was ultimately charged on auto pay for several months, resulting in thousands of dollars until XX/XX/XXXX when I realized the {$500.00} bill being taken out.
I called the utility company and apartment complex to try and resolve situation, and be reimbursed for the money. I was given no help on either side, and the utility company sent the following month of utility bills to collections without notifying me or calling about the debt. I had no idea until it reported to my credit report as a collection.
Now, I have suffered thousands in damages and can not refinance my mortgage any longer. I tried disputing the charges with the credit bureau but because it is my name on the account, they say it belongs to me.
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| 07/30/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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after my sudden discharge for the XXXX XX/XX/XXXXMyself and Family did experience a long period of homelessness. In XX/XX/XXXX filed my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From XXXX Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to XXXX XXXX XX/XX/XXXXand XXXXXX/XX/XXXX of which only XXXX was owed. I have called and sent letters of dispute to XXXX and their XXXX XXXX XXXX which is part of XXXX several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in fullXX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.
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| 01/28/2024 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TRANSWORLD SYSTEM INC was notified as a debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to cease further communication with the consumer. TRANSWORLD SYSTEM INC, shall not communicate further with the consumer with respect to such debt. I respectfully requested that their offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt.
They needed to show proper validation of this alleged debt and if this was not provided within XXXX calendar days of receiving the notice, everything mentioned stands as truth, and the alleged debt is said to be invalid.
FDCPA CODE Violations Committed By the Following Company TRANSWORLD SYSTEM INC 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
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| 11/24/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American, Servicemember |
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This company stating they were XXXX XXXX has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my sick husband 's number and they told me that the " computer did it '' I told them to NEVER do this again explaining the stress it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system.
Turns out the company name is not XXXX XXXX but it is Nationwide Credit XXXX. XXXX XXXX XXXX, DE XXXX.
These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of stress which I do not need with my husband being so ill. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.
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| 05/11/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Since XX/XX/XXXX of XX/XX/XXXX, I have been trying to get an explanation from XXXX XXXX XXXX as to why my rate was increased. I spoke with XXXX XXXX of XXXX XXXX XXXX of XXXX, TN, who was my insurance agent at the time, because there was no explanation for the sudden raise of the rates of two vehicles. She was unable to explain the use of coding by XXXX except to say that it had something to do with an accident I had in XX/XX/XXXX. I had zero accidents in XX/XX/XXXX but because I have been the victim of Identity Theft in the past, I wanted an explanation of where exactly this alleged accident happened and when. I asked her to have XXXX call me to explain because I could locate no telephone number for them in my paperwork. Knowing that insurance companies routinely check credit reports, I also needed to explain that my exhusband had gotten 8 credit cards in my name and without my knowledge that were addressed by the court. I was still going through the divorce when I first contacted XXXX XXXX of XXXX, TN but she had been told about the credit cards. The divorce was not finalized until XX/XX/XXXX because my attorneys kept forgetting things and had to file amendments. XXXX did not call. I stopped paying the premium and sent them a letter of dispute in XX/XX/XXXX of XX/XX/XXXX. XXXX 's response was to turn the account over to Transworld Systems , Inc., a debt collector, using the amount I disputed. The debt collector forwarded copies of statements issued in XX/XX/XXXX in which I was advised that they were cancelling my policy due to non-payment ( of the disputed amount ), XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. Those statements did not detail the charges. I do not wish to pay more than I owe since I am on XXXX and both cars sat parked in my driveway from XX/XX/XXXX due to my XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I got rid of both cars and can no longer drive.
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| 03/10/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Need information about my balance/terms
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Web |
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I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.
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| 01/31/2017 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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I received several private student loans back in 2006. I did not complete school. I began to hear from something called the XXXX Trust which was confusing to me as I took out loans from XXXX Bank. I have since found out that XXXX Bank is not even permitted to issue these loans anymore because they would sell them to places like the National Collegiate Trust. According to my research these are passed around like stocks on a stock market. Anyways, I began to receive harrassing calls but I chose to ignore them because I had no idea who the XXXX Trust is. I then received a summons in the mail so at this point I called back. The lady on the phone told me it was about collecting student loans but that my prescence was not needed in court. I did not hear anything for almost a year. I imagine this is so the time allowed to appeal such a case would expire. They then began to try and garnish my wages. I was shocked that they were able to garnish 25 % of my wages. I had read with federal loans there are all kinds of programs to help people pay them back and set a max percentage of wages to be used. Unfortunately private student loans do not operate under these laws and they also are protected like federal loans from bankruptcy. How can this be? This is ridiculous. Not only is the amount they are claiming completely false but I am left with no options. Then I check my credit report and they arent even listed on it? How can this be? Are they trying to allow me to obtain a house or a car so they can use it against me? This makes no sense. The XXXX and XXXX this has caused is worse than any amount of money I can assure you of that. I cant be the only person in this situation either. I just want a fair chance to be a good contributing member of society and to the economy. Please will someone look at my case and tell me something can be done. Not just for me but people in my shoes as well.
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| 08/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently filed a complaint via CFPB in regards to TSI ( Transworld Systems Inc. ) furnishing information on my credit report. I researched and it appears the original creditor is XXXX, XXXX XXXX XXXX. Now, TSI responded and said they received information to VALIDATE my alleged debt, to which they send yet another bill with itemized numbers and information that does not solve the solution. Question, how did you VERFIY ( not validate ) this alleged debt? Because according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that an debt is disputed, the debt collector is SUPPOSED to obtain VERFICATION, not validation of the said debt. YOU ( TSI ) responded with " validation information ''. This alone, is a violation.
Secondly, how did you get the address that is listed? It seems to me you have infringed upon someone's privacy ( identity theft ), aka personal data to retrieve such information. Hopefully, YOU ( TSI ) didn't send " validation information '' to a household that is unknown to any party, because that surely increases the chances of identity theft and that would be in violation of 15 usc 1692 ( f ) ( 7 ) ( 8 ). The address that is stated on the " validation information '' pdf belongs to someone who lives in a house ( XXXX search ). See how easy that was to send unwanted strangers to a particular place. I have NEVER OWNED a house in my life.
On XX/XX/2021, TSI removed this account off of my credit report, then chose to furnish it once again, that reported on XX/XX/2021, causing a derogatory mark to hit my report and also a decrease in points on my credit score. YOUR ( TSI ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt.
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| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I previously disputed an account on my credit file that was incorrect, reported by TSI ( Transworld Systems , Inc ) on behalf of XXXX XXXX. After a lack of results from my dispute attempts, I contacted TSI directly and advised them of the situation with this account : I believed this account was paid in full, as I did not receive a final bill from XXXX XXXX. Because of the alleged amount due, I believe that the service continued to be billed at my former address after I cancelled the service. Supervisor XXXX XXXX of TSI advised that she would contact XXXX XXXX to relay the dispute information, in an effort to come to an agreement on deletion of this account from my credit report. She followed up with me two days later and stated that XXXX agreed to delete the account if the payment was made. At this point, I just wanted it off my report, so I agreed ( even though I still believe that the balance is extremely inflated ). I paid the balance in full, and on XX/XX/2020 received a letter from TSI ( attached ) which verified that the account would be deleted from all three credit bureaus. Instead of honoring this agreement, TSI merely reported that the balance was paid in full - resulting in the collection being reactivated and lowering my score substantially. I contacted TSI again, and was told by a representative ( who claims to have called Supervisor XXXX XXXX to verify ) that TSI requested that the account be deleted, but that the credit bureau has the final say on how it is reported. I then contacted the credit bureaus who advised that they reported it as TSI requested it, as a balance update. They stated that they have no authority to determine what is reported or deleted, that they must report as the collection agency advises. I feel that TSI provided fraudulent advisement in an attempt to collect a debt, blatantly lying about what would occur once the payment was made.
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| 09/28/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
Servicemember |
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In XX/XX/XXXX, I was disbursed a Federal Perkins Loan for my first year of XXXX XXXXl at XXXX University. This was my first year of three for XXXX XXXX. I subsequently transferred to XXXX University XXXX XXXX XXXX in XXXX XXXX XXXX. I did the subsequent two years of XXXX XXXX in XXXX XXXX XXXX. When I moved, I still had this Perkins Loan outstanding. My loan servicer is XXXX for this loan.
After graduating from XXXX XXXX in XX/XX/XXXX, I again moved to XXXX, XXXX. On XX/XX/XXXX, I logged in to XXXX ' portal to find out that I was 60 days overdue. Not once has XXXX contacted me about my repayment options, when my first payment is due, what my interest rate is, or any other information regarding this loan. The effect on my credit report has been drastic : my score has dropped from mid to high 700 's, down to 650 's.
On the phone, XXXX lied to my multiple times. First, I asked them what address they had on file. They responded : " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX. '' This address does not exist. They said they've been mailing notices since XXXX of this year. I'm pretty sure the USPS sends mail back to sender if the address isn't correct. Second, I asked them how they are going to correct this. They said they are going to correct the negative credit reporting. Then, they said they can not. They are deflecting responsibility.
There are several issues here : 1. ) I provided my address to XXXX University when I moved.
2. ) I was never told until I called XXXX a few days ago that XXXX was my Perkins loan servicer.
3. ) XXXX was using a fake mailing address, and they tried telling me it is a proper address.
4. ) XXXX had my correct email address on file.
5. ) XXXX never used my correct email address.
6. ) XXXX never attempted to contact me using a correct contact address prior to my payment due date, my delinquency status, or any other repayment options.
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| 01/17/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Kansas XXXX Transworld Systems Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I find out about this medical bill after the collection agency reported it to the credit bureau. After discovering this, I immediately call XXXX XXXX XXXX to figure out why they never saw this bill before it went to a debt collector. XXXX XXXX XXXX was sending the medical bill to my old wrong address. I never really had a chance to pay what I owe in the first place and never realized this.
Once I realize that the statement went to the wrong address, I contact the collections agency by phone and email and ask them to remove any derogatory information from my credit report.
This is technically a HIPAA violation, sending medical bills to the wrong address. On XX/XX/XXXX, I emailed XXXX XXXX at Transworld Systems Inc. and Transworld Systems Inc XXXX XXXX a professional debt collector regarding credit dispute asking for verification and validation of debt and informing TSI of wrongful address.
On XX/XX/XXXX, I received the verification and validation of debt from TSI. Since TSI never sent any of this information to the right address in the first place I never received any bills due date. I am writing to request the remove of derogatory reporting to the credit bureaus because TSI send the debt collection to the wrong address and not allowing me to dispute the debt according to the Fair Credit Reporting Act ( FCRA ) in XXXX to protect consumers and regulate how credit information is used and disseminated before reporting credit bureaus and unverifiable information.
I am requesting that the item be removed immediately.
Enclosed is a copy of documentation that support my position.
Please reinvestigate this matter and correct the disputed item as soon as possible.
Sincerely, XXXX XXXX XXXX
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| 05/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report.
Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ).
The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ).
XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ).
XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ).
I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box.
*Please note that I believe the improper communication tactic is grounded in making false statements.
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| 07/11/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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My loan through XXXX XXXX XXXX was given to an collection agency called XXXX XXXX XXXX ( which I was not notified that the loan will be moving over to another agency on XXXX/XXXX/16 ) as I schedule another cycle of online payments for the collection agency to obtain. However, on XXXX, I spoke to someone from XXXX and they said your loan is not with this office, it has moved to Trans World Systems , Inc. The loan is at TWS but I contact the company on XXXX and was told to wait about 2 weeks because my information has not been cycled in the system. I called TWS, Inc. on XXXX and office was closed for business and called again on XXXX/XXXX/16 which I finally was able to get in contact with the representative who has been handling my loan. I have ask for something to be mailed to me and the representative began to take my credit card information. Effective today, I have reached out to the Trans World and asked for a fax number and they will not give me their fax number but gave me XXXX XXXX XXXX XXXX, but Consumer Affairs stated that XXXX XXXX XXXX has been flagged for and XXXX and explain further why. The representative from Trans World is asking for over the income amount and I agree because naturally I was scared, yet ask for another payment for the next following two months. The payment is " 8 '' times the income I would make and I do not have that income in XXXX. Trans World has failed to provide me with an itemized detail letter of who they are and notification of drafting, etc. No information has been sent from XXXX XXXX XXXX, XXXX XXXX XXXX or Trans World Systems regarding this matter. I 've been paying on my loan and it is growing, which I do not remember taking that amount out. I would like to give them something in writing for the first time besides the recorded call I have made requesting for information after I have given them my address correctly.
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| 07/08/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been trying to verify a debt on my credit report for over a year now. Transworld Systems Inc has refused to send any documentation regarding this debt and has been very difficult when trying to make settlement offers. I have evidence that this debt is not mine and they have not been very helpful. I have even offered a settlement amount just to get this off of my credit report. They will not lock in an amount. They keep changing the agreed amount and refusing to send a written agreement. Every time I call it is the same two women that answer one name I can not pronounce or spell and the team lead is XXXX XXXX. I have asked if they could email, fax or mail documentation to me. They state that they have mailed documentation to me on XX/XX/XXXX, but I have yet to receive anything. According to them this debt is from XX/XX/XXXX for {$7900.00}. I have faxed, mailed and attempted but they refused to email them documentation proving that this debt was not mine, I have provided them with proof of residency, and everything else they have asked for. But when I spoke to them last week they stated they only received my social security card and a letter of concern in XXXX. They just informed me on XXXX XX/XX/XXXX that they are going out of business. I have even reached out to XXXX the original account holder and they stated that after two years they archive their accounts and that there is not account associated with my name or social security number.
I have even sent dispute letters to all three credit bureaus as a last resort so far XXXX has deleted it, and stated it is not my debt. I am just waiting for XXXX and XXXX to do the same.
This company has been very difficult to deal with. Always stating that they need to speak with XXXX first before accepting a settlement amount. They will agree to one amount at XXXX and then by XXXX the amount has increased.
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| 10/05/2017 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have sent previous complaints regarding XXXX XXXX XXXX regarding them trying to collect the wrong debt amounts through XXXX. Now all of the loans, except one, have been referred to another collection agency ... XXXX XXXX XXXX in New Jersey.
I sometimes could not directly contact XXXX XXXX XXXX, was given wrong phone # s, or given the name ( s ) of phony reps with wrong numbers. No one would return my calls, and the amount owed was/is always misrepresented.
I have paid thousands of dollars dating back to XXXX, but was always sent statements reflecting the original amounts, as if nothing had been paid on behalf of or to XXXX XXXX XXXX.
I sent you a complete file regarding XXXX on behalf of XXXX XXXX XXXX, but again, four of those five private loans have now been referred to XXXX XXXX. My original complaint should be XXXX.
I hired a lawyer who arranged a " settlement '' of {$12000.00} payable @ {$510.00} per month payable to XXXX XXXX, which began XXXX XXXX and will continue through XXXX XXXX. Though on limited income, I have paid faithfully each month and continue to do so. Both my daughter, XXXX XXXX and I are to be released when the settlement to XXXX XXXX is paid.
Perhaps there is nothing that can be done, or my situation may not be considered a complaint, since a " settlement '' was reached, but I thought I should at least provide this information since your agency has filed suit against XXXX XXXX XXXX.
I am still paying XXXX {$100.00} per month ( also on behalf of XXXX XXXX XXXX ) on one last loan of which the original amount of {$12000.00} has not never gone down.
I am forwarding what I consider to be pertinent information.
Thank you for your attention.
Something has happened that I can not reset my password. I have tried several times. Please re-send that message to me so I wil be able to check the status of my complaint ( s ).
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| 08/24/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.
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| 07/24/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX On XX/XX/2022, I received a bill for XXXX XXXX provided from out of network provider ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) which was used by my in-network doctor. My insurance company, XXXX XXXX XXXX paid the out-of-network XXXX service base on their pricing schedule. However, the XXXX provider stated that the payment was too low and sent me a bill requesting an additional {$350.00} bill.
XXXX XX/XX/2022, I called the billing department of the XXXX and also contacted XXXX. XXXX stated that they will send the provider a letter explaining that what paid to them was fail and ask them to stop billing me.
XXXX XX/XX/2022, I received the second bill for the same amount. Accordingly, I contacted XXXX again and requested a review for the payment and services.
XXXX XX/XX/2022, I received the letter from XXXX regarding my review request and again it confirmed that I should not be billed for any extra. I submitted a copy to the provider who told me that they are not satisfied with this and they continued asking me to pay the extra {$350.00}. I requested for the to give me additional XXXX to proceed with a personal appeal with XXXX XXXX XXXX but they refused.
XXXX XX/XX/2022, I received a confirmation from XXXX and a new EOB where XXXX approved my appeal and paid the provider an additional {$210.00}. I contacted the provided with the new payment information but they informed me that my balance was sent to a collection agency and they have nothing to do for me. They also provided me with the collection agency information.
XXXX XX/XX/2022, On the same day, I Contacted the collection agency, tsi , and they told me that they put a freeze for the collection until they verified the charges.
XXXX XX/XX/2022, I received a letter from tsi showing my account and still not showing the additional payment XXXX made on XX/XX/2022 and kept asking me to pay the debt.
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| 12/15/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Keep getting calls about my loan
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Web |
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I attended XXXX XXXX, XXXX ( formerly owned by XXXX ) from XX/XX/XXXX-until they shut down unexpectedly in XX/XX/XXXX. I was not allowed to finish my program but WAS left with all my student loans and huge debt for NOTHING in return. Referring to an article posted on Consumer Finance 's website on XX/XX/XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. My credit history has been badly hurt because of the loans taken out for me to attend XXXX XXXX. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points. These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX. And for what? Greed?
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| 05/18/2016 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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Yesterday I received the list with the rehabilitation checklist and I am going to return the information requested tonight. I am going to summit all the information requested because I am desperate and I want to find a way to finally end this nightmare, but that does not mean that this is a fair deal. For the last two years, with a big sacrifice, {$200.00} a month have been deducted form my check to pay my {$2100.00} student loan. In simple math {$200.00} X 24 month = {$4800.00} or more than twice the total amount of the loan. During those XXXX month, I never received any information from Transworld letting know the balance due or any information about my rights, you only collected the money and that was it. But I finally got tired of paying and decided to call and ask for information and after calling more that XXXX different phone numbers, ( I was transferred from one to another and to another ) I finally got in contact to a person called XXXX XXXX that informed me that if I wanted to put an end to this nightmare my only option was to continue paying the {$200.00} for 10 more months, plus a additional {$5.00} charge for 6 months and after that my loans was going to be pulled from " default '' and I was to be able to pay my principal. That means that {$4800.00} + {$2000.00} = {$6800.00} and then star paying the principal? How can a deal like this could be legal? I know that the collection Offices main business is to collect, but taking money away from a person with a {$12000.00} net salary a year? I am going to do my part of the deal, but I am letting you know in advance that I am going to look for legal help and I am going to start sending letter to the Congress, to the newspapers and even to Obama at the White House, to let them know how unfair people with students loans are crushed by the collection offices.
Thanks XXXX XXXX XXXX account # XXXX
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| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing with reference to my XXXX XXXX from XXXX with XXXX XXXX serviced by University Accounting Service LLC, XXXX XXXX XXXX, XXXX, WI XXXX. This loan is being incorrectly reported by XXXX. I have tried to resolve this with XXXX, UAS and XXXX without success. This loan became delinquent in XX/XX/XXXX ( 19 years ago ). About 1.5 years ago, UAS took over servicing of this loan during a merger/acquisition with another student loan servicing entity. In the process, UAS changed the account number on this loan and began to report it as having become delinquent in XXXX. Thus far, XXXX has not responded to my correspondence, while XXXX and UAS responded in form only. When I call to follow up on my written complaints, XXXX insists that they can not do anything and it is all in the hands of UAS. UAS tells me that only the designated account representative can address my concerns, refuses to provide the individual 's contact details, and advises that the individual will contact me directly ( no one has done this over the course of several months ). My most recent written dispute in this matter with XXXX was filed on XX/XX/XXXX. The most recent phone call with them was today, XX/XX/XXXX and I was again informed that UAS continues to maintain on behalf of XXXX XXXX that the reported information concerning the loan 's delinquency status is correct. The original loan amount on this account was {$7500.00}. The outstanding principal since XX/XX/XXXX was unchanged at {$2200.00}. The loan was transferred through consolidation to XXXX on XX/XX/XXXX and is now current. It is my belief that UAS purposely " re-aged '' this loan as a tactic for collecting payment and now does not want to address this, because they have been paid in full through the loan consolidation with XXXX and because they are aware that they have committed an unlawful act by re-aging the loan.
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| 09/09/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX.
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # 3On XXXX XXXX, XXXX I received a notice from XXXX the account was referred to XXXX XXXX XXXX who re-aged the account to the date XXXX/XXXX/XXXX.
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports.
# XXXX placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XX/XX/XXXXThe above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when XXXX XXXX purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit.
I have tried on numerous occasions to reach out to XXXX have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging.
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXXCopy of notice from XXXX XXXX XXXX XXXX XXXXCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection
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| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I was told by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I had been over paid when I was working for the XXXX XXXX as a civilian employee. I requested time cards and pay statements from XXXX on five separate occasions over a two year period and all they would send me was the pay periods that I was over paid, not enough data to determine if I was actually over paid. I noticed back in XXXX of 2019 that the treasury has started taking money out of my pay check. About two weeks after this started I received a phone call from Trans World collection company and they informed me that they were a third collecting a debt for the department of treasury. The representative told me that I owed the treasury a little over {$5800.00} and I told them the original debt {$4500.00} she explained the additional amount was late charges. I explained to her that I have never even received the requested information to determine if this was actually an over payment or a time card error. She told me if I settled the debt within two weeks I would only have to pay {$4600.00}. I told her that I had already had {$1200.00} Taken out of my check. She said she can not see the money that had already come out of my check so I would have to pay the full {$4600.00} and I would get the over payment back form the treasury. Five months have gone by and numerous calls to XXXX and the treasury and still have not received my money .I have asked Trans World six times for a compromise letter stating what was agreed to in the settlement and still have not received this. I did record on audio the conversation with Trans World so if needed I can provide .representative from XXXX actually had the nerve to tell me that I should get my {$1200.00} back from Trans World . As far as I know if the government contracts with a third party they are responsible for the actions of their contractor Not me
|
| 05/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I looked on my account in the end on XX/XX/XXXX when I got a email stating my score changed. I went on and found Transworld Systems ( TSI ) had put a supposed debt collection on my XXXX report. It stated the account was opened in XX/XX/XXXX although it didn't show on my report until XX/XX/XXXX. It shows it is some kind of medical debt although I have insurance and haven't been without insurance since I was a child. I also did not visit the doctor in XXXX other than an urgent care. The debt total is {$1000.00}. I find this interesting because some time ago my husband had a medical bill go into collection with them totaling {$1000.00}. Which was open on false pretenses. The bill was paid through charity care and should never have gone into collection in the first place. We also got some kind of letter from TSI. It was unclear what the name was as it had a XXXX and our last name, but didn't make up a full name. We just assumed they were trying again to get my husband to pay so we sent a letter with his info on XX/XX/XXXX through certified mail. The certified postcard was signed and sent on XX/XX/XXXX. We didn't even consider me as I hadn't been to the doctor and the debt total was the same as what they tried to collect from my husband. After it showed up on my report I sent a letter also on XX/XX/XXXX through certified mail also. The certified postcard was signed and sent on XX/XX/XXXX. The only thing I can come up with is TSI is trying to get their money they paid to purchase the debt, which we do not owe them and never did. We thought this was resolved after it was removed off my husbands report. But it shows now on mine. We contacted them and asked them to remove the debt but they have not sent anything back in response. It has now been 2 months and it is still on my report! I am also curious how did they get my information?! Please help us!
|
| 11/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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I have a student loan with Younomics serviced by University Accounting Services ( UAS ). XX/XX/XXXX, I entered into an agreement with them to reduce my monthly payment to $ XXXX/month. Since then, 1 ) the bill I receive from UAS every month says that my " total payment due '' is {$300.00} '', XXXX ) When I log in to pay my bill in the UAS ' website, my amount due is {$300.00}, 3 ) I have made a {$300.00} payment every month since then, including my XX/XX/XXXX bill. However, I saw in my credit report that Younomics/UAS made an adverse credit report on XX/XX/XXXX stating that my account was 30 days late. Younomics/UAS has not sent a single correspondence to me telling me that I have a past due and why I have a past due after making the " total payment due '' written on the bill and listed on the UAS 's website as I pay my bill. This is not the first time that Younomics/UAS has made an adverse credit report on my account when they have failed to send me a bill that clearly reflects what I must pay for my account to be current. The billing ( and other communication or lack thereof ) is simply incomprehensible. It appears that the " total payment due '' is not really the " total payment due '' and that I must somehow find ways to ascertain the amount I must actually pay or anxiously wait for my credit report to see if the " total payment due '' was in fact the " total payment due '' or whether there was something hidden behind the " total payment due '' that I failed to guess and must now suffer the adverse credit report consequences. I do not understand why I should be penalized for making a timely payment of the " total payment due '' and all I am asking of Younomics/UAS is to first rectify this adverse reporting that I believe to be unjustified and to send me a monthly bill with a " total payment due '' that is in fact a " total payment due ''
|
| 09/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I am writing to dispute this debt. The law says I must do so in writing. However, the letter from Transworld Systems does not include the address for XXXX XXXX XXXX, the contact listed in their letter. There's only a phone number. Would you kindly provide an address so that I can write to your contact?
In response to said letter : Transworld systems did not provide verification of the debt. As the debt collector, Transworld Systems should only pursue debts they can verify. XXXX, the original creditor is in possession of documents and records of conversations between myself and their corporate offices : XXXX XXXX, XXXX XXXX and their billing department that proves I do not owe this debt.
This debt can not be verified if Transworld Systems does not request from XXXX, and XXXX produces a full disclosure of all documents and communications pertaining to this debt they claim I owe. I am asking Transworld Systems to kindly request all said documents and communications from XXXX.
As I stated in my original complaint through CFPB, XXXX sold me faulty equipment, refused to correct the problem for months. During these months, I did not receive the Internet service I was paying for. When XXXX finally fixed the issue, they then " upgraded '' my service without my informed consent. This shady business act led to an increase in my bill. I do not owe this debt and in fact, XXXX owes me for services I paid for, but did not receive due to their faulty equipment.
Continuing to pursue this debt without obtaining full disclosure from XXXX of all the documents and communications related to this debt would be an unfair assumption without all the facts, and would not constitute verification of this debt.
Additionally : I kindly ask that In the pursuit of this debt, Transworld Systems contact me only in writing and at the address submitted through CFPB.
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| 03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Transworld, I am writing to formally notify you that your attempts to collect a debt from me are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question is beyond the statute of limitations, does not belong to me, and furthermore, there are discrepancies with the account information that you have provided. In addition, the last name associated with the account, XXXX, is incorrect. My last name is actually XXXX.
Upon reviewing my credit report, I noticed that the account in question was allegedly opened on XX/XX/XXXX. However, the documentation that you have provided to me shows that the account statement dates back to XX/XX/XXXX to XX/XX/XXXX. This discrepancy constitutes a clear violation of the FCRA.
As you are no doubt aware, the FCRA requires that all information on a credit report be accurate and up-to-date. This includes the date of account opening, the dates of any associated account statements, and the correct name of the debtor. Your continued attempts to collect this debt and the associated inaccurate information constitute a clear violation of these laws.
I hereby request that you immediately cease all attempts to collect this debt and remove it from my account. Failure to do so may result in legal action to protect my rights under the FDCPA and FCRA. I urge you to take this matter seriously and act accordingly to avoid any unnecessary legal troubles.
Please provide written confirmation that you have received this letter and that you have taken the appropriate steps to remove the debt, associated inaccurate information, and the incorrect name from my account.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX Codes : Fair Debt Collection Practices Act : 15 USC 1692 et seq.
Fair Credit Reporting Act : 15 USC 1681 et seq.
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| 03/13/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Goal : Getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report and loan in Deferred status.
I have a private student loan that has been sold to University Accounting Services ( UAS ).
I am a current XXXX full time student in a four year university and am concerned about improper reporting on my credit report. I have taken time off school but have been in full-time attendance from XXXX - Present and would like the delinquency on my credit report for these months taken off under deferment or forbearance. I am not currently employed while I am in school.
I have called the following times to the company in order to resolve this issue.
XXXX XXXX - called and talked with XXXX XXXX XXXX - called and talked with XXXX and sent in Deferment forms to XXXX XXXX XXXX - called and talked with XXXX and XXXX XXXX XXXX - called and talked with XXXX XXXX XXXX - Got a call from XXXX saying he would communicate with my client rep XXXX XXXX - called and talked with XXXX XXXX XXXX - emailed XXXX XXXX XXXX - called and talked with XXXX to confirm once again that the loan was private XXXX XXXX - called and XXXX mentioned he would email/talk to my client rep for an update and send me an email of confirmation ( never received email ) All calls since XXXX were under the goal of getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report. The company has not been very helpful in giving me the options I have available to me given my student status and financial situation. They will not let me talk to the client rep in charge of my account, instead I have to talk to a proxy ( XXXX ) who then says he will communicate anything I need to say to the appropriate parties.
I am not disputing the validity that I borrowed for student loans, I would just like credit report to reflect the truth of my current situation.
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I moved out of my home on XX/XX/XXXX. I had given my apartment lease a 60 day notice in wroting on XX/XX/XXXX and paid a {$2500.00} cancelation fee since I had to break my lease early. I had continued to pay my rent and utilities as well as my pet deposit for XXXX, XXXX, and XXXX. I was told there would be a walk through inspection with me 30 days prior to me vacating in an attempt to correct any issues so I wouldn't be charged. That walk through never occurred. I received an email on XX/XX/XXXX saying that I owed an a surf amount of over {$2300.00} dollars. I immediately called and emailed to have someone explain the letter but to no avail, it was never done. On the letter it stated I had 21 days to pay the amount and I could do so through the portal I paid my rent through. That portal was not available to me anymore. I emailed and called multiple times from XXXX until I reached out to an attorney on XXXX. They sent my account to collections on XXXX XXXX I received a phone call and letter from collection agency on XX/XX/XXXX. Which I disputed. I did not hear or receive any more notifications or calls from either the apartment or the collection agency. I then received a call on XX/XX/XXXX from the collection agency once again stating they were trying to collect a debt. I told them I had already disputed this in XXXX and that I did not owe that debt. They thought someone had sent out some new letter stating that dispute was resolved. I never received any notifications. The apartment complex did not have a corporate phone number but they did have an email that I also wrote too but never received a response from.either.
All I was sent was a piece of paper that had charges on it that were not correct and it didn't itemize what was being charged and why in detail. The collection agency failed to respond within 45 days of my dispute as well.
|
| 03/20/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.
|
| 12/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2019 I received a call from Transworld Systems , Inc. attempting to collect a debt for XXXX XXXX in XXXX, SC of roughly {$300.00}. I told the representative that I did not have a debt with them as I paid off my final bill in XX/XX/2019 after I had moved out in XXXX of 2019. The representative acknowledged that I did indeed make a payment on XX/XX/2019 but this was a new debt submitted to the collection agency by XXXX XXXX on XX/XX/2019. I told her it was impossible to accumulate additional as I no longer resided in XXXX. The representative advised that I reach out to XXXX XXXX directly to find out what the debt was for as the representative at Transworld Systems , Inc. stated XXXX XXXX did not provide any details regarding the debt. I insisted that they had the wrong person and she asked me to confirm my information which I did. She basically said it is my debt and that if I dont pay it it will be reported to credit agencies. On XX/XX/2019 I contacted XXXX XXXX and confirmed with the lady working at XXXX XXXX that I do not owe any additional debts to them and she advised me to confirm the debt collection agency was legitimate. She forwarded me a copy of my ledger which showed I had a {$0.00} balance on my account. I called Transworld Systems , Inc. and again informed them that it wasnt my debt and I have written confirmation from XXXX XXXX that I could forward via email. The agency stated that they dont do email correspondence and that I could either mail or fax it in. I faxed it in twice and called to confirm their receiving. So far they say it has not been updated yet and they cant give me an estimated time for it to update. Simply, this is not my debt, I have confirmed this is not my debt, and have done my due diligence to submit documentation requested by the debt collection agency without resolution. Please help!
|
| 09/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American |
|
We owed {$320.00} to original company ( XXXX ). After a phone call from them regarding payment, I advised them I never got a bill. I gave them my current address in XXXX. It took three phone calls for THEM to get it correct. By that time they put the debt into collection ( Transworld Systems , Inc. ) I paid the bill on XXXX XXXX, 2015 after finally getting an invoice from XXXX. On XXXX XXXX, 2015 received a call from debt collector ( Transworld Systems XXXX. I advised them that this account had been paid on XXXX XXXX. Transworld said they did not get payment info from XXXX and needed it. So I called XXXX and was told they would send payment info to Transworld. In XXXX, 2015 received call from Transworld again and also XXXX XXXX. I called XXXX and spoke with XXXX and advised of the harrassment from Transworld. She called XXXX and they denied calling me. Today ( XXXX XXXX, 2015 ), I received ANOTHER notice of collection from Transworld Systems , Inc . I again called XXXX and spoke with XXXX regarding notice from Transworld. He advised that my account was paid and he did n't understand why Transworld was sending me a notice. He advised that he would send this complaint to his supervisor and have him/her call Transworld tomorrow ( XXXX/XXXX/15 ). I did advised him that I would be filing a complaint as not only was Transworld Systems Inc. harassing me but XXXX was also at fault for not making proper corrections to my address so I would get the invoice and be able to pay it in a timely manner thus avoiding collections. Address for Transworld Systems , Inc. is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Telephone # XXXX. Address for XXXX is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone # is:XXXX. I hope someone can do something about this company ( Transworld Systems , Inc ) harassing me. This has been more frustrating than recovering from XXXX.
|
| 12/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, affiant is aware the debt collector, TRANSWORLD SYS INCXXXX can not communicate with anyone other than the consumer, the natural person, in connection with 15 U.S.Code 1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector, TRANSWORLD SYS INC/XXXX has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.
|
| 11/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I signed an exclusion policy with XXXX to seal my house from potential rodent infestation in XXXX, XXXX. The work was started, but never completed. The work that was done was minimal. I made numerous attempts to contact the branch to resolve the issue. The charge was for {$1200.00}. After receiving no response from the company, I disputed the charge with my credit card company. XXXX responded by saying I had not given them the opportunity to resolve the issue. I responded to my credit card company with a letter that layed out all of my grounds for disputing the charge and the lack of response from the branch. A copy of that letter is attached. A couple of weeks later, my credit card company informed me that the XXXX branch accepted my response and would no longer pursue the charge. But I began receiving bills from XXXX for that work that was never done. I tried to contact the branch, but never received a response. After several calls to the national XXXX customer service department, I finally received a call from XXXX XXXX, who identified himself as the branch sales manager. After explaining everything to him, he promised to cancel the bill. After receiving another bill for the work that was not done, I contacted XXXX XXXX via email on XX/XX/XXXX. He said he was working on the matter and would " let me know ''. Much to my surprise, I received a letter from Nationwide Credit , IncXXXX attempting to collect the debt. I have responded to them disputing the debt. But this is now on my credit report. I have and have always had Excellent credit history. I am retired and feel I am being treated very poorly. Can you do anything about this matter? I don't know where else to turn. The address of the XXXX branch is : XXXX XXXX XXXX, XXXX, CA XXXX. The address of the debt collection agency is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have sent certified letter after certified letter to XXXX as well as the other credit reporting agencies regarding accounts in error on my report. XXXX originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed.
I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine.
The account in question is being reported by " Transworld Systems '' as I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked Transworld where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.
|
| 09/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was first off work XXXX under doctors care. Now on retirement XXXX. I pay for my insurance thru pay.gov. Keep reviving notices that you owe more on medical insurance. You call the Treasury about notices 4 or 5 different times. The person you speak to say no you do not owe what letters are saying. That the balance due on their end is XXXX. They letters have said anywhere from over {$700.00} to recent letter from debt collector for XXXX. When talking to Treasury you had small payments request that were paid on time. Every time you have called the amounts on letters didnt match what they had. One time they said they you owe approximately {$36.00}. Which I immediately paid thru XXXX. Another time they saw that I supposedly owed {$47.00} dollars which I immediately paid thru XXXX. Every time I called they did not know why the Treasury dept was sending letter for large amounts. Again they saw zero owes. I was told everything is fine and disregard the letter. Last letter received was notice of a top pay off (? ) again I was told to ignore it as it was not correct. So I have to the best of my ability kept in contact and paid to keep my insurance current. I have receipts and have provided them to treasury multiple times. And they say nothing is owed everything is fine. When I asked why I keep getting letters they say they dont no and give different reasons why they letters were sent in error. Maybe they were sent before adjustments were made etc.
Monday XX/XX/XXXX I received a letter from Transworld Systems , Inc. A debt collector. They said total amount of debt now due is {$660.00} I have no idea why this was turned over to debt collector or why I owe this. I have been in constant contact with Treasury.
Says Treasury Account Number XXXX Treasury Case number XXXX Referred from Bureau of The Fiscal Service XXXX account number is XXXX
|
| 10/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received an offer from Transworld System Inc to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XX/XX/XXXX, I spoke to a collections department representative of the XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor ) who verified the offer but instructed me to contact Transworld. On or about XX/XX/XXXX, I spoke with XXXX XXXX of Transworld Systems who also verified the offer of {$2000.00} to settle the account in full. On XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the Transworld offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that Transworld has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXX I did not receive the closed account letter that XXXX XXXX stated. But instead, Transworld sent me another offer letter dated similarly to the first offer letter, dated XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX.
I spoke with XXXX XXXX on XX/XX/XXXX at XXXX who stated that to disregard the letter and that the closed account notification letter was mailed from Transworld XXXX XX/XX/XXXX, and that I should receive it soon. On XX/XX/XXXX, I called to Transworld Systems again at or about XXXX and spoke to XXXX XXXX XXXX in error offer letter that I had received on XX/XX/XXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XX/XX/XXXX. To This very day I have not received the letter promised by Transworld Systems absolving me from the debt.
|
| 02/27/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I guaranteed a school loan for my daughter XXXX and a lawsuit was brought by National XXXX or their assignee back in XXXX. The matter was settled by a stipulation that was filed on the Court Docket. The total settlement amount was {$12000.00}. The following payments were made : XX/XX/XXXX - {$4400.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} The matter was stayed due to the pandemic and then, to my understanding the balance of the debt was forgiven. I have heard nothing further from plaintiff 's counsel, as required, in order to enforce.
Last week, I received two telephone calls from XXXX XXXX ( XXXX ) who claims that he is acting on behalf of a third party debt collector, XXXX XXXX XXXX XXXX Today, XXXX XXXX XXXX XXXX XXXX insisting that I owe {$35000.00} and he should arrange for me to call and pay immediately - and should I fail to do so, he will immediately seize my property and XXXX XXXX property.
I called XXXX. He demand {$35000.00}. I told him about the stipulation and court case. He claimed that no stipulation exists. I told XXXX that under the 15 USC 1692g he was under an obligation to send me a demand in writing and to afford me the right to validate the debt in writing. He claimed that neither he nor his company have any obligation to follow 15 USC 1692g or any other " silly rule ''.
XXXX has committed the following acts of wrongdoing : a ) Misrepresentation that {$35000.00} is due when in fact, no debt exists for that amount.
b ) Refusing to recognize the court case ( attached ), the stipulation of settlement ( attached ) and my payments ( attached ).
c ) False and Misleading representations as prohibited under 15 USC 1692e.
d ) Violation of 15 USC 1692f for threatening to take nonjudicial action to seize my property when in fact, no legal right exists to seize my property.
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| 04/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
XXXX, XXXX XXXX XXXX XXXX XXXX ( " XXXX ' ) and/or its representative Transworld Systems , Inc. ( " TSI '' ) are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards XXXX ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when XXXX and/or its representative TSI began contacting the XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or XXXX to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions.
Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to DFAS on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off XXXX ' claimed indebtedness only {$130.00} or thereabout, was being applied towards XXXX ' claimed indebtedness and the remaining amount went towards fees.
Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''
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| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I am writing to formally file a complaint against Transworld System Inc, a collection agency, regarding their unethical and damaging debt collection practices. I believe that these practices are not only harmful to my financial well-being but also raise concerns about the legitimacy of the debt being collected.
Firstly, I am deeply concerned about Transworld System Inc 's practice of splitting one account into two separate collections. This action not only confuses the issue but also has a detrimental impact on my credit history. I have observed that they have divided the debt associated with my apartment lease into two separate accounts, without any reasonable explanation or justification. This appears to be a deliberate strategy aimed at causing further damage to my credit report, which is not only unfair but also a violation of my rights as a consumer.
Secondly, I have serious reservations about the accuracy and fairness of the debt being collected in the first place. The original creditor, my landlord, is apparently adding unfair charges to the debt, including excessive rent charges and unjust tax charges. It is crucial to address these concerns as these additional charges appear to be arbitrary and unsubstantiated. I have the right to request validation of these charges and their compliance with relevant legal and contractual obligations.
Finally, I have to point out that my lease agreement was between me and XXXX XXXX XXXX, not with XXXX XXXX. I believe that both companies are different, and if they are indeed different, this collection should not exist The kind of actions and behavior exhibited by the collection agency are intended to compel me to pay an unfair balance. Actions such as splitting one account into two prevent me from renting a new apartment, and this kind of conduct could lead to homelessness.
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| 06/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Transworld Systems Incorporated managed to infiltrate my place of employment and garnish wages from my pay. Transworld Systems Inc. sent my previous employer and Administrative Wage Garnishment document that stated that they had the authority to garnish wages from my pay. My employer allowed the garnishment to go through due to this form. I reached out to the Department of Treasury several times and was told that they did not have an account for garnishment for me nor had Transworld Systems been hired by them to collect a debt. The Department of Treasury and federal law states that collectors still have to abide by federal and state laws etc. I reside in the state of Texas. I reached out to the state representative and the attorney general 's office and was informed that it was unconstitutional to garnish for anything other than child support and spousal support in the state of Texas. As a result of this action, even more negative and counterproductive events took place at my place of employment. Federal law states that collectors have to abide by the state laws and do not have the authority to submit an Administrative wage garnishment if hired by the federal agency separately. I was also not afforded the opportunity to dispute the amount or the debt and when I called Transworld Systems they would not provide me with a hearing packet. I was also told that hearing requests are on a case by case basis on administrative wage garnishments. Federal law states that hearing requests packets must be sent to the debtor 's last known address for administrative wage garnishments. Transworld Systems had knowledge of my current address. I had no way around disputing or defending myself against the debt. This event contributed to the resignation of my employment.
They are attempting to collect the debt for the XXXXXXXX XXXX XXXX XXXX
|
| 10/07/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
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Web |
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University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX.
UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing.
There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic.
This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once.
This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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THE COMPANY TRANSWORLD SYSTEMS INCXXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transworld System continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2020 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Transworld. To that end, I sent a letter to Transworld Systems. Transworld has stated that the account was marked as in dispute ; however, my previous letters to the bureaus reflect that I was disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on with the credit bureaus then they should have updated the account to reflect disputed at that time not later.
To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. As a matter of fact, the attached letter they sent reflects they do not have any information to validate the inaccurate entry they are continuing to report. Additionally, they state they are unable to complete an investigation in a timely manner. This is not my fault and being that they are the company reporting and do not have sufficient evidence to support this negative entry, they must delete it.
It is obvious that Transworld will not be able to validate their allegation with documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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The Department of Treasury garnished my wages and seized my state tax return to pay health insurance premiums for the XXXX XXXX MN when I was in an off duty status from my job as a rural mail XXXX due to an occupational injury that occurred late XXXX through my extensive shoulder XXXX in XXXX of XXXX ( through XXXX ). All of the debt ( from XXXX ) was paid through the garnishment and seizing my XXXX state tax return. I actually believe they took more than the debt. Now they have reported the same debt to the credit bureaus as well as sent me a letter stating I owe another {$1500.00} plus dollars via XXXX XXXX MN. I contacted the Department of Treasury and explained that all of the insurance premium debt had been paid and I do not understand what this letter for collection means. I requested a detailed statement to be mailed to me, I have not received this. I am at a loss as to what this is for. Even when I was finally able to receive XXXX Workmans Compensation for lost wages, which does quality control checks for any insurance payments that are to be deducted from the compensation, the checks came back that I do not owe insurance premium payments. I know this is a federal agency and I am sticking my neck out to report this but this is affecting my XXXX XXXX, my ability to purchase a home and everything is incorrect regarding the debt as well as again posting this to the credit bureaus. In fact, when my mortgage company checked my credit in XXXX, XXXX nothing from the Department of Treasury was on my report and to re-qualify for a mortgage and receive a pre-approval letter my mortgage company checked my credit this month ( XX/XX/XXXX ) and all of this is reported again. This is unbelievably stressful and has substantially increased my already high anxiety. I don't owe anything to them. Why are they doing this to me?
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
|
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I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Transworld Systems , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems , Inc. If Transworld Systems, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 09/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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TRANSWORLD SYSTEMS has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. XXXX claim that have received validation from t he creditor and have kept this derogatory remark on my report despite my multiple letters to them as well.
PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Both TRANSWORLD SYSTEMS & XXXX are in both violations of the 1996 Hippa Act, The law clearly states they must provided Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Proof that you are registered to transact business and/or collect in my state.
Proof of your authorization by law for your collection of information.
Evidence of whether this debt was assigned or sold to : TRANSWORLD SYSTEMS PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested.
Any Evidence of Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding.
ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM.
Having Any Of My Medical Information Is A Violation Of Hippa Law. Legal Action Will Proceed.
Collection Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records.
|
| 05/27/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY TRANSWORLD SYSTEMS COLLECTIONS INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, XXXX enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
|
| 11/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : TRANSWORLD SYS INC/XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time XXXXomeowners Buyers program and I saw two incorrectly trade lines for an account from Transworld for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of 1996.
Transworld did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Transworld as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. Transworld is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against Transworld, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Transworld expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
|
| 05/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
The company, transworld solutions, is writing fruadulent checks on my behalf using my signature by which I have not authorized. This is the second time they attempted to process the same check after I had a conversation with them on Monday and they affirmed they will not attempt to bill the account in any way, shape or form until the designee or department on behalf of the company that responds to CFPB inquiries contacts me.
Yet today, they attempted to process the same check that I did not write which bounced the first time.
This company will be reported to the FBI to incriminate the representative ( s ) who attempted to bill the account twice by writing a fraudulent check, even after a representative affirmed this would not take place again. This is fraud, period. I will be pursuing criminal charges and will report this issue to local law enforcement as well using forms designated by my financial institution.
Furthermore, I will immediately pursue this with the XXXX and XXXX XXXX XXXX and federal administration divisions in the federal government in an attempt for the XXXX and XXXX XXXX XXXX to cancel their federal contract they have with TSI.
Additionally, I will submit to federal court a petition for a lawsuit against transworld. I am legitimately in a financial crisis and the only income I receive is from being permanently and totally XXXX. The money they are attempting to take will literally have left us without food and electricity for 30 days with minor children who have medical needs. I am even in the process of attempting to get help to pay my electric bills through a community program and have this very well documented.
Transworld has completely ignored my concerns and they will attempt to continue to bill by personal checking account with fraudulent checks. Other avenues must be pursued.
|
| 12/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
TRANSWORLD SYSTEMS INC has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX and XXXX damage. Here are the federal laws they have broken.
15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
See Attachment for full details.
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, XXXX and XXXX. I was successfully able to remove information from XXXX and XXXX. However, XXXX and the collection agency Transworld Systems/51 has given me a very hard time. I sent a certified letter to Transworld Systems asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to XXXX. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by XXXX on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 XXXX has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either XXXX or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.
|
| 04/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Several invalid and erroneous medical bills have been sent by the University of XXXX XXXX ( XXXX ) Hospital and XXXX XXXX XXXX to Transworld Systems , Inc a collection agency. The accounts are deemed inaccurate due to the fact that XXXX Hospital and XXXX XXXX XXXX have inaccurately billed for unknown services. Several requests have been made to both Transworld and XXXX for detailed cost information to support the various accounts in dispute. To date, I have only received back-up data for account # XXXX on XX/XX/XXXX and subsequently paid in full on XX/XX/XXXX [ see enclosure ]. This matter has been ongoing since XX/XX/XXXX. I have spent an enormous amount of time trying to resolve this issue with XXXX and Transworld. I have been going in circles with both companies as XXXX will not provide information or discuss the information as they state the records have been sent to collections. Transworld states they do not have any additional information and that I must contact XXXX to obtain copies of the records. This issue has negatively impacted my credit report and score.
I have not received supporting information for any of items listed below. After disputing the various collections, items 1 through 4 were previously removed from my credit report ; however seem to have resurfaced. Considering the negative impact item 5 was having on my credit score, I went ahead and paid in full without ever receiving any back-up documentation.
The records in question are highlighted in the attached credit report.
1. XXXX XXXX in the amount of {$200.00} ; no supporting data 2. XXXX XXXX in the amount of {$200.00} ; duplicate charge 3. XXXX XXXX in the amount of {$200.00} ; duplicate charge 4. XXXX XXXX in the amount of {$520.00}. Paid XX/XX/XXXX 5. XXXX XXXX in the amount of {$920.00} ; no supporting data Paid XX/XX/XXXX
|
| 11/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I recently had a debt that I was paying off which was referred to TSI ( Transworld Systems IncXXXX ) for further collections actions, when the debt was received and I acknowledge the debt and let them know that the balance they were collecting on was incorrect and I would like to get a correct statement of the balance owed because the amount is incorrect since the payment is being made and the account is not being credited or updated with the current payment amount.
The TSI representative was short and impatient was not helpful in researching what was being provided, at the beginning of the call the representative provided the mini Miranda and during the discussion of the debt I also referred back to the mini Miranda " this is an attempt to collect on a debt and any information obtained will be used for that purpose '' the amount you are collecting on is incorrect and since your balance and my balance is not matching and I am requesting validation of the debt amount and all the payments received on the account.
The representative stated that they have no way of getting the information but they can get a validation of debt, I requested the validation of debt information to be mailed to me and to date nothing was mailed or received.
I received a statement from the creditor which I sent to TSI for verification of payment received and posted correctly to the account.
Based on the fair debt collections practices TSI failed to carry out the proper verification of the debt which may result in an overpayment since the debt was paid off and no confirmed updates were sent communicated to the credit by TSI.
Please investigate TSI practices and communication methods to include aggressive collection practices and incorrect balances when verifying the debt that is owed.
Please investigate this complaint promptly.
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| 04/15/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2018, I applied for a mortgage with XXXX XXXX XXXX. At that time, I was informed that I had a collection account of an amount over {$30000.00}. I was working with my mortgage officer to see what we could figure out about this debt. We had contacted the company via the number listed on the credit report that was pulled by my mortgage company. I have been out of school for over 10 years and have never personally made any payments on this alleged debt. Upon further investigation, my concerns grew greater as I found that there were charged brought upon this company attempting to collect this debt along with the company they are representing as a third party collector.
When we contacted this number, it took quite a few attempts to actually get someone on the phone. Once we were in contact with someone, I was informed that it was for an alleged private debt that I acquired when I was only XXXX years old. We asked to send validation and/or proof of what this debt was, including but not limited to ; a promissory note, any documentation to prove that this debt was mine, any payment history made along with what accounts they were withdrawn from. As of the date of this complaint and two calls with this company asking them to furnish me with any and all proof that they have that I own this debt ; I have yet to receive anything.
This is unfair because it is prohibiting me to be able to purchase a new home. The is abusive because I have now suffered from a damaged collection account on my credit report.
I feel that I've been patient enough in waiting for documentation that was requested months ago on multiple attempts. Yet alone being that the requested documents are from several companies listed in in a CFPB filing and ruling against them for what appear to be the same practices taking place against me.
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| 11/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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A debt popped up on my credit unbeknownst to me. ( I am in the process of getting an auto loan ) I called and apparently they had the wrong address. It is a XXXX party collecting for an old cable bill. I had moved out of state and a small balance was left over. In order to get the loan I needed proof the debt was paid. They had the wrong forwarding address. I called them to pay. I told them the situation and that I needed a receipt so my loan can be approved. She stated on the XXXX of XX/XX/2023 that they would email me the receipt in XXXX hours. The receipt never came. I called them Monday the XXXX of XXXX ( Im in Hawaii so my time is different. They are closed when I get off work ). The XXXX XXXX XXXX said it would be XXXX more days for the receipt. I requested a supervisor they said it would be there by today. I spent well over a hour and a half Monday trying to get a receipt. Called again Tuesday XXXX of XXXX. I have been on the phone literally half of the day. I have spoken to a dozen different people all told and received a dozen different answers. Anywhere from 1 day to XXXX days to XXXX days. I still do not have the receipt. It shocks the conscience. XXXX with XXXX today around XXXX pm Hawaii time. Requested a supervisor after yet another time frame for the receipt, he put me on hold for XXXX minutes then came back and said there wasnt a supervisor available, they had all left for the day. I called back at XXXX XXXX and was able to get a supervisor. Still have yet to get a receipt. They acknowledge the debt is paid. For whatever reason Id have better luck getting into XXXX XXXX. It has to be a systematic business model to not give receipts. Im not exaggerating when I say its been XXXX hours of wasted time on my end.
The company is XXXX XXXX XXXX XXXX collecting for XXXX cable. Their number XXXX
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| 04/18/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX bridges and tunnels The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXXXXXX man stationed with the XXXX in XXXX on the XXXX.
My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so.
At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney.
I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.
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| 04/03/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Transworld Systems , Inc is a debt collector for XXXX. In XX/XX/XXXX I moved from XXXX to XXXX and paid all utility bills in full prior to relocating. In XX/XX/XXXX I noticed XXXX added a collection account to my credit. I disputed this information with XXXX and provided my proof of payment in full. They removed their account but in turn sold the account to Transworld Systems , Inc in XX/XX/XXXX. In XX/XX/XXXX I signed up with a Credit Counseling company called XXXX and I provided Transworld Systems , Inc with a certified letter asking them to validate this debt within 30 days. They never provided the information but removed the erroneous information from all 3 credit bureaus. On XX/XX/XXXX, I received an alert from XXXX XXXX that a new collection account is on my credit and my score dropped 15 points. This new collection account is from Transworld Systems , Inc with an original creditor as XXXX. I have been disputing this for 4 years and initially XXXX removed it but sold it to Transworld Systems, Inc. I disputed with Transworld Systems, Inc and they removed it since they couldn't validate the debt and now this is the 3rd time this has appeared back on my credit file. I have not received any letters in the mail or received any phone calls from a live person to discuss this since I spoke with XXXX in XX/XX/XXXX. Transworld Systems , Inc and XXXX are working to erroneously add items to my credit without following any of the CFPB regulations regarding reporting delinquent information to the credit bureaus. Considering they removed the debt twice after receiving certified letters from me, proves the debt is not valid so I am not sure why they would legally be allowed under any CFPB or Fair Credit Reporting Act to continue to add erroneous items to my credit report after they have been disputed and removed.
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| 12/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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PLEASE REMOVE FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT IMMEDIATELY. TRANS WORLD IS IN VIOLATION OF AN ORDER TO CEASE AND DESIST. TRANS WORLD SYSTEMS INC. IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
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| 08/22/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX/XXXX/2015, my vehicle was rear ended at a red light in XXXX County, XXXX.
The driver admitted he was at fault and his insurance company provided me a rental car via his policy coverage.
Before the settlement of damages from my vehicle were paid to me ; my car was deemed a total loss, the rental car company reported the vehicle stolen.
XXXX XXXX a Car ; is the rental agency. Also known as XXXX XXXX.
They reported the car stolen on XXXX/XXXX/2015 and Never informed me of course.
On XXXX/XXXX/2015 on my way from a job interview in XXXX XXXX, MD ; I was detained by the XXXX XXXX Police Department for alledgely Grand Thief Auto.
I surrender the vehicle, along with XXXX sets of key and the temporary registration ; naturally the temporary registration was in my name.
The vehicle was in perfect condition at the time of my detainment and later arrest.
All the Court proceeding were XXXX XXXX in regards to the friviloious stolen vehicle charges.
Apparently once the XXXX XXXX Police took possesion of the vehicle they not only stole out of the vehicle my {$1000.00} XXXX sports jacket I wore to my earlier job interview ; they cause {$340.00} damages to the rental vehicle.
Thus XXXX Damage Recovery Unit-XXXX XXXX, MO XXXX has turned this case over to Transworld Systems , INC, XXXX.
# XXXX XXXX XXXX XXXX.
I have sent two written correspondences requesting to dispute the non valid {$340.00} fee because I do Not work for the XXXX XXXX Police department and can Not be held responsible from their dishonest and apparently criminal actions.
This harrassement must stop and I would appreciate if your agency could get involved to stop this non valid attempted debt collection.
Not only was I injured, my vehicle destroyed to no fault of mine, Court proceedings and now harrassement of a debt I do Not owe.
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| 06/02/2015 |
Yes |
- Debt collection
- Federal student loan
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- Communication tactics
- Threatened to take legal action
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Web |
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On XXXX XXXX XXXX threatened to garnish my wages when I offered a {$5.00} payment outside of the rehab program I had been deceived by XXXX XXXX XXXX into accepting ( though I never signed their papers ) In XXXX XXXX, I agreed in principle XXXX, who convinced me by saying they would backdate it to start a year ago ( since I had already been making the $ XXXX/month payments, saying that I could 've even done it at $ XXXX/month with my income and expenses. However, each time they sent the paperwork it never showed the backdate, so I never signed it or returned it. Another problem with the XXXX is they were no longer willing to set up my payments with my pay schedule from work, but insisted on the same day each month. He initially placed it too early in month, but did later say fixed it till end of month, but they would n't accept future payments when I attempted to make them.
Going back to XXXX XXXX, XXXX, when I got on phone with XXXX XXXX, it was my XXXX call in to the number XXXX provided back in XXXX. Now, XXXX told me that it was n't the correct department, hence my issues getting through earlier. On top of that, like I wrote earlier, he threatened garnishment on me. This is the XXXX time they threatened garnishment outsuide of their company policies and DOE regulations. I am trying to make payments, but this company continues to harass me and cause me undue mental anguish in trying to resolve these accounts.
( A little background here, these loans were less than half their current balance when I was in hardship deferral after college and was arrested in XXXX, sent to prison in XXXX. I feel that they are unjustly higher based on circumstances outside my control as no one advised me I had to renew the deferral annually and I did n't get mail until XXXX in prison when they were already in default. )
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| 10/03/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company provided on here only a bill after a full validation was requested. I submitted a letter back to them indicating that they did not provide all the requested validation information 's as required. I still have not received the proper validation and rather only a bill that was attached to a complaint on here.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
All of this information was requested by them and they failed to provide it.
They failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a Final Bill and Account Ledger NOT a contact or agreement and are non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law.
They have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined.
They failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the sate agency issuing the license number.
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| 07/03/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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In XX/XX/2022 my refrigerator compressor stopped working I called XXXX XXXX XXXX XXXX which has contract w whirpool for repair, they said there will be XXXX diagnosis fee and it will be deducted from repair cost. Technician said compressor is not working and wanted XXXX for repair. compressor was under warranty for XXXX years and the refrigerator had worked for just XXXX years. They didn't do the repair under warranty and wanted XXXX for repair of compressor. After XXXX month playing tricks with me for not doing the job under warranty I bought a brand new of the same refrigerator for XXXX from whirpool. Because I called them for the repair under warranty, not just for diagnosis and they didn't do that I didn't pay diagnosis fee and went overseas to a country, XXXX, which has no banking and telephone relations with XXXX despite me sending them emails that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they imposed and imposed late fee to that XXXX, diagnosis fee and now they want XXXX ( through collector named TSI ), for XXXX diagnosis fee and the rest of it is late fee .I paid the collector diagnosis fee which was XXXX $ and initiated a dispute for late fee which is completely unfair because I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I couldn't send money .I even couldn't call them from there .but I sent them several emails then and explained my situation but they were not listening and go on and on over late fee.
I have paid diagnosis fee wo them doing their job ( to the collector, ) which was repair under warranty since they had contract XXXX whirpool.but late fee is not fair.like ur child is sick and u take the child to the doctor u don't want just diagnosis u want diagnosis and treatment .what was the use of that diagnosis wo repair which they didn't do it.
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| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX, after personally tracking my student loans down because as I was informed, they were sold to several different companies. In that time, the loans either went into default or into collections. At any rate, after several attempts in talking with Transworld system who I was repeated told had my loans although they could not locate them for at least 2 months of which I continually inquired about them.
Finally in XX/XX/XXXX, someone was able to locate the loans and I responsibly set concurring payments on my student loan account with the collection agency, Transworld system. From XX/XX/XXXX, I have made consecutive payments through automatic drafts, and in that time up until this date XX/XX/XXXX, this account continues to show delinquent on my credit report. When I was first turned down for a loan, I called Transworld to inquire about the credit reporting and a representative faxed me correspondence showing that I was not delinquent, which was accepted by the lender however, it has never been updated on my credit report.
Just recently, I contacted Transworld to inquire about the reporting and was informed that even though my payments are secured, the reporting will show delinquent until the loan is paid off. I was told in the past by the representative that furnished my the correspondence to send to the lender that because my credit agreement is being satisfied, she did not understand why it was being reported delinquent.
This is indeed by question as well. Is there not a way to show that the terms of my agreement are being met? Can someone please assist me in resolving this matter?.
I have attached the correspondence that details my agreement and will supply any other necessary documentation to show these payments are drafted automatically from the account listed on the agreement.
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| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I need HELP!!! Please!!! This account is false and I was told on MULTIPLE occasions they had handled it and I did not owe this and it keeps showing up and its killing my credit! I have tried so hard I am a Single Mom and At 43 FINALLY got my 1st New Car by myself. I have been so thankful and diligently pay my car payment on time every single month. Then you have companies like this I pay half almost of my check that I ONLY HET ONCE A MONTH AND WORK MY REAREND OFF FOR FOR INSURANCE. These people that are saying I owe this to have generated more FALSE charges than anyone. I pay my co payment every month plus some when I go to the dr and then they come up with these bogus charges and at the office they are either lying and making false office visits and charges or someone has pretended to be me. I was told in XXXX this was taken care of I DID NOT OWE THIS and it would be removed! Well here I am XX/XX/XXXX and STILLLLLL fighting with these people. Its a shame and disgrace hard working ppl like myself who are just trying to stay afloat and take care of their families deal with this and the government freaking ALLOWS IT! They are all crooks in my eyes. I do not even go to the dr bc my freaking deductible is SOOOO HIGH but yet some how I STILL have these mysterious dr bills I keep disputing and paying XXXX to rebuild my credit but it doesnt seem to be helping. Half of the things on my credit report I am seriously clueless and havent even been to the dr AT ALL THIS YEAR so lets see if this dispute helps anything. Like I said especially now we are all just trying to survive due to COVID-19 not to mention I am a XXXX and work at a XXXX XXXX ESSENTIAL WORKER AND THIS IS WHAT HAPPENS! Thanks America and XXXX!
Yours truly, XXXX XXXX A.K.A. Single Mom just trying to survive in todays Corona infested society!
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| 04/18/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX XXXX XXXX XXXX The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXX man stationed with the XXXX in XXXX on the XXXX.
My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so.
At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney.
I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.
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| 08/28/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks.
However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX.
I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present.
As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.
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| 03/23/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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Hi All, I am writing this so that it is on record that I XXXX XXXX have attempted to explain previous to both XXXX and XXXX XXXX XXXX that paying my loans would place me in hardship.
I have in total federal and private XXXX worth of student loan debt and have yet to reach graduation in school due to the XXXX - XXXX school year of XXXX XXXX now XXXX retrieving my loan in my XXXX year from XXXX univesity. This matter has since caused me XXXX to which I have taking medication on as well as affected me from paying back my XXXX bills due to my diagnose of XXXX. I have several XXXX bills unpaid for an my condition can be XXXX or XXXX at any point in my life which is on record. According to my doctor i have had XXXX my entire life it just recently has taken over my body causing me to be hospitalized from XX/XX/XXXXup until on off XX/XX/XXXX and on bed rest. I just went back to work in XX/XX/XXXX which is on record since I was on XX/XX/XXXX. In starting my new job I also have no health insurance currently and am not sure I remain seeing as though my health has not been 100 percent an the affect of paying back these loans are causing server XXXX.
The loan companies have used tactics such as threats, calling my family ( XXXX XXXX XXXX did this ), telling me I have no options, and depleting my credit score.
I would like for the CFPB to step in with ways on how to assist a consumer who has both private and federal. I am writing this so that if in the case I end up back in the hospital or in court that it is on record that I have searched every day for options and have atleast spoken to both companies once for a clear and reasonable understanding and they have failed. One is taking me to court and the other I am paying .. I also have loans with XXXX which come back into affect within XX/XX/XXXX.
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| 02/27/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I filed a complaint against XXXX XXXX XXXX aka Transworld Systems Inc, in XXXX for harassment and threats when they were dealing with my husband 's Military Star account. They answered the complaint and said that they received the cease and desist call request but DID NOT address the harassment or threats.They did state that the accounts listed would be placed in a manger 's queue. At the time there were 2 accounts. There has been little to no communication with them since this complaint was filed.
His payments were deducted from his military retirement pay and tax garnishments. Mine were made through tax garnishments as well.
Both XXXX cards are now paid in full as of XX/XX/XXXX, but I also had a XXXX XXXX XXXX card, which had been current before the garnishment, but is now included in the garnishment, without any other resolution or communication having been attempted by them. I even had to contact XXXX to handle a small remaining balance on my husband 's account that would have been left over due to the garnishment allotment being stopped by XXXX, since I could not get any assistance from TSI. XXXX wound up taking it off his account.
We did start receiving bills from XXXX collection aka TSI in XXXX but due to the communication block on the part of Transworld, I was not able to make any payment arrangements on my XXXX XXXX XXXX card, in order to avoid another garnishment. I have made several attempts to talk to someone from the company over the years, with the most recent being XX/XX/XXXX, to XXXX XXXX. My calls were not returned, nor has anyone ever sent information about garnishing my current years tax return for the XXXX XXXX XXXX payment but Treasury offset has a pending collection from XXXX. I have contacted XXXX and asked them for help with this matter but they refer me to TSI.
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| 10/28/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In reference to complaint XXXX which includes the details of the account, XXXX XXXX XXXXXXXX violated the Fair Credit Reporting Act by continuously harassing me with debt collection calls after receiving a cease and desist letter and debt validation request, and did not provide *any* documentation within the 30 day period after receipt of the request.
They broke federal law. Period. The CFPB is the entity responsible for upholding these laws. Period.
Both XXXX and XXXX have still failed to provide legal proof of ownership of my loan, and the XXXX XXXX even stated that the " documentation no longer exists. '' The CFPB SUED NCT FOR THIS VERY REASON.
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ There is legal precedent that the CFPB proved in court that XXXX was unable to produce the documentation that they are legally required to have in order to legally collect on the loans.
This is exactly what's going on here. I have been asking them to produce the documentation for 2 years. They keep sending me the original promissory note, from XXXX XXXX XXXX, which does not prove that XXXX owns it. They have failed to prove anything.
Again, XXXX broke federal law, and should be held accountable.
XXXX is trying to fraudulently collect on a loan they do not own, until/unless they can legally prove otherwise, which is a REALLY SIMPLE REQUEST and should not take over 2 years to fulfill.
I am not satisfied with their responses, I am not about to take XXXX breaking the law and harassing me sitting down, and I'm a little disturbed that the CFPB doesn't seem to care that both of these companies are in violation of the laws the CFPB is responsible for upholding.
|
| 09/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Hello Sir, Mam! I will be so much thankful if you can help me to solve this problem with XXXX XXXX. Starting on XX/XX/XXXX ; I started inform them that if there is any changing in copayment for my medication not to send it anymore, but they ignore my messages and on XXXX they sent me a medication with higher copayments, and directly even not opened it I delivered it back to them. So they still asking me to pay the credit of {$120.00}, below you can see my messages to them : 1 ) XX/XX/XXXX Good Morning Please be informed that if there is any changing in co-payment so I dont need it So dont send any medication without my approval Regards XXXX XXXX 2 ) Hello customer service Please be informed that the medication sent to me on XX/XX/XXXX ( XXXX XXXX XXXX ) was sent back as unopened to the sender in XXXX XXXX in IL I receive it So please cancel the co-payment of a {$120.00} Thank you Respectfully XXXX, XXXX 3 ) Good Day Please be informed that I refused to receive the medication which was sent by your dealer and it was delivered back to them directly so I am not going to pay for a medication that I didn't receive it Appreciate your business Thank you Respectfully XXXX XXXX JXX/XX/XXXX 4 ) Good Day customer service First of all I would like to thank you for your good service, then, concerning the amount of XXXX that I have to pay for none received medication. If you want me to do so send me again the medication XXXX XXXX XXXX. 90 Tab then I am ready to pay that amount PS. Please notice how many times I contacted the customer service asking them not to send the medication if there are any changes in co-payments. But they Ignore my messages and they sent it. Directly I sent it back not opened as I received it So please find a solution to this case Warm regards XXXX XXXX XX/XX/XXXX XX/XX/XXXX
|
| 08/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 01/18/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
After Graduation from University of XXXX in XX/XX/2007, I received a phone call late at night and was advised they were holders of my Student and Private Loans and need to consolidate. ( I do not recall who the company was that said they were the holders of my loan ) They Gave me 2 options for payments, which I didn't really understand what was going on. XXXX and XXXX then started sending me statements and I have since always made a payment of the total payment, if I couldn't pay the amount I have always sent {$100.00} or more to keep in good standings. I have recently found ourselves over extended and other financial occurrences in our life have taken a toll on our finances, in which I am trying to resolve. XXXX options of assistance after forbearance is not something I can financially satisfy at this time. I have continued to send $ 100- $ 200 month. However they have placed my loans in default and now I am being contacted by XXXX XXXX XXXX who tell me they are the collectors for XXXX XXXX XXXX XXXX XXXX XXXX. They too are unwilling to work with me on my payments or accept a minimal monthly payment. I have to pay at least {$2800.00} to get me out of default and then {$880.00} mo. If I could pay that I wouldn't be in this situation. My other options is to pay {$5000.00} down and $ XXXXmo for 60 months and then deal with increase of payment at the end of 60 months. They have denied me origination paperwork of loans being sold to them or my signature of agreement. This company is ridiculous and hounding and no assistance with working with their customers. I had {$100000.00} in loans for my education in XX/XX/2007, I currently have around {$60000.00}. They are threatening me, because it has been 30 days since they have been in contact with me that they are going to garnish my wages.
|
| 08/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I realized that XXXX placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XX/XX/XXXX, the XXXX XXXX XXXX account was updated. On XX/XX/XXXX, I contacted XXXX regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that XXXX is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called XXXX back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''
|
| 06/15/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This complaint is being filed against XXXX XXXX & XXXX debt who represent the creditor XXXX XXXX XXXX XXXX XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX & XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX & XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX XXXX XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX XXXX XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
|
| 06/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To whom it may concern, the following bill that was provided is incorrect. I do not owe any amount of money to cypress grove apartments. I have paid receipts and bank transaction showing I paid my rent every month from XX/XX/XXXX until XX/XX/XXXX right when the apartment complex was sold to another owner out of XXXX fl. I'm a former employee who use to live and work there and i know all the lies and misinformation that XXXX XXXX and XXXX XXXX do as property management. I work with The XXXX XXXX XXXX as the property management company until their services were no longer needed. I had my lease transferred to another property by The XXXX XXXX group as i stayed on with the company when XXXX grove changed hands. please look at the XXXX transactions and bank history provided in the complaint. XXXX and XXXX grove couldnt send in the full lease agreement as you can see only page 1 & 9. where are the other pages? not only the damage information is incorrect, they are not allowed to charge for resurfacing the bathroom and and counter top as that is part of the normal getting the unit ready to move in. i have photos ( provided from my unit when i moved out. XXXX couldnt provide any proof the unit was damage so they dont charge for this so XXXX and all are trying to get extra money out of nothing since i didnt stay on with the company. I gave them my 60 day notice in XXXX which should be in my file unless they took it out but the XXXX XXXX XXXX XXXX XXXX signed off on all my notices. i have all contact information needed for XXXX can call and speak to whomever. This collection should be removed immediately.
You can have someone at XXXX services to email me with any information that XXXX/XXXX couldnt provide. i have provided pictures and transaction from the pay site showing XXXX grove.
|
| 10/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Back in XXXX of this year, I placed an order from a company in XXXX XXXX XXXX XXXX ), for some make-up items. Unbeknownst to me, the company shipped the order in way where I was to be charged for freight, even though their website guaranteed a fixed cost for shipping and delivery to the XXXX within XXXX business days. They used XXXXXXXX, and they also included a wrong telephone number to contact me.
Apparently, XXXX tried to reach me numerous times but, since they had a wrong phone number, they could n't. When days were going by and I still had not received the order I contacted the company via email. They were very unprofessional and after much back and forth, they provided the airbill number to the package and I was able to contact XXXX to retrieve it.
They delivered it to my house, and never told me I would be billed extra for accepting the package ( which would have given me the option to refuse it XXXX. About a month later I received a bill for over {$120.00} from XXXX for freight charges ( more than double the total cost of the order ). I called and explained to them the circumstances, especially that the merchant had been deceitful and was now no longer responding to me, but to no avail. I know they are required to tell me about any extra charges for picking up a package but they never did. Since I order from abroad all the time and this has NEVER happened to me, I had no reason to think otherwise.
Since then, they have referred me to a collection agency, threatening my credit and are also now charging interest ( see attached copies ). I have filed a protest ( also attached ) with the XXXX Customs and XXXX XXXX ( as suggested by XXXX themselves ), as well as an amendment and sent it to them, but everything seems to be falling on deaf ears.
Please, can you help?
|
| 08/15/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I started having communication with XXXX XXXX XXXX years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again.
I had since left that career and sent payment when I could to the XXXX Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX.
On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to XXXX XXXX XXXX for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
|
| 03/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I began getting Robocalls on my cellphone XXXX in XXXX averaging 7 to 10 calls per week stating they were calling about a claim number. These calls appeared to be spam so I began to block them.Then thye began calling the main line of my company XXXX and would speak to staff asking for me and telling them this was related to a legal matter and it was very important that they speak with me. I contacted them to see what the call was about and explained to them that I did not have the debt, nor an account with the bank they claimed. I immediately check checked all XXXX credit reporting agencies to see if this account was on my report or if a credit pull for that bank was on my report as a hard or soft inquiry. It was not listed. They asked me for my address and other information and I refused to give this to them because that is not my bank. I asked them when did I write this check that hey say I owe. The said they would send me proof if I would confirm my SS # and give them my current address to send the proof too. I refused and I told them to stop calling me. After that they began calling my mother at work and on her cell phone XXXX with the robocaller and the live person. She has told them to stop the continue. They are calling my Aunt XXXX and now they are calling my children on their cellphones with robocallers. XXXX, XXXX, XXXX. This is certainly a violation of TCPA which provides wide protection against robocalls, calls using automatic dialers, and automated messages. For the most part, the TCPA states If a debt collector makes impermissible robocalls to a consumer 's cell phone, the debt collector is liable for {$500.00} per call. If it can be proven that the calls are willful, the damages are {$1500.00} per call. I will be asking for them to pay for this harassment.
|
| 12/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to formally dispute Transworld Systems Inc 's claim that I owe a balance due. The assigned File # in your letter is XXXX, and the unique registration code is XXXX.
I am disputing these debts because : -While the invoices list myself and my address as the sender and sender address, I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape or form.
-Since I received the first invoice I have repeatedly contacted various departments within XXXX indicating that I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape, or form. I have demanded that they be removed from my record, and some fraud cases have been opened.
-I believe that there has been a scamming attempt on my XXXX account in another country, and I have closed that XXXX account as of XX/XX/2020. No further new invoices from XXXX are sent to me ever since. I have lodged a complaint to XXXX XXXX and XXXX Customer Relations Department.
-I have examined my credit report and confirmed that this balance due does not exist under my name.
-I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information.
Considering the above information, I have ample reasons to believe that my balance due from XXXX is due to an identity theft situation in which I am the victim. Hence, I formally dispute the validity of this balance due recorded at your agency. I will launch formal complaints at XXXX XXXX XXXX ( XXXX ) and Consumer Financial Protection Bureau ( CFPB ).
|
| 08/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My son went to a XXXX on XX/XX/2018. They filed my insurance for the visit and my EOB showed that I owed them {$100.00}. I never got a bill for the visit but tracked it on a spreadsheet like I do all of my bills so that I know when the visit was and how much my insurance company says I owe. I waited and waited for a bill. Finally got bill # 1 with a statement print date of XX/XX/2018 with a due date of XX/XX/2018. There was no urgency to the bill- nothing that noted that this was an attempt to collect an overdue amount or that I was 90 days past due etc. Just looked like a routine 1st bill. I had not had a chance to even write a check or attempt to make a payment when I get a letter from a collection agency dated XX/XX/2018. The letter from Transworld Systems Inc stated that it was a courtesy notice from a debt collector and I had 30 days to dispute the validity of the debt. I called the XXXX phone number about the bill on XX/XX/18. I was told that the bill dated XX/XX/18 was my 4th notice and that 3 others had already been sent. I told her that was not true and there is no way that I missed 3 bills from them. I also asked why this current bill didn't show that I was 90 days past due and that if I didn't pay that it would be handed over to debt collection. There was nothing on the bill to indicate that it was past due or near collection. She said she had no idea why and that her system shows the 4 letters were sent it and it was my problem and very rudely wanted to collect a payment. I told her I would pay her. That I had a Health Savings Account and that I worked for an XXXX XXXX and track all of my bills on a spreadsheet and I had been waiting on this bill. She still continued to stand by the fact that is was my fault and there was nothing that they did wrong.
|
| 05/15/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that TRANSWORLD SYSTEM INC properly investigated this account because there are obvious inaccuracies.
The date of the last activity does not match. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off The Date of the last payment missing. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported TRANSWORLD SYSTEM INC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too TRANSWORLD SYSTEM INC has also Violated XXXX. XXXX. XXXX XXXX. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to.
I also sent them a letter exercising XXXX. XXXX XXXX XXXX where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
NOTICE OF DEFAULT AND OPPORTUNITY TO CURE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Transworld Systems Inc., On XX/XX/XXXX I filed a CFPB Complaint 'demanding the agreement between myself and Transworld Systems Inc that created the alleged debt. On XX/XX/XXXX Transworld Systems Inc. replied to the CFPB complaint stating the account was closed, and TSI intends to have no further communication with me. I CLEARLY STATED in my initial complaint that a FAILURE TO PROVIDE ANY INFORMATION IS A VIOLATION OF THE FDCPA 15 USC 1692 ( Fair Debt Collection Practices Act ). This has caused me the natural person/consumer damages by finding out that Transworld Systems IncXXXX XXXX XXXX ATTEMPTING TO COLLECT AN ALLEGED DEBT.
Pursuant to 15 USC 1692f ( 1 ) Unfair Practices : states that that a debt collector may not use unfair means to attempt to collect any debt ; unless such amount is expressly authorized by the agreement creating the alleged debt or permitted by law.
Transworld Systems Inc. BECASUSE FAILURE TO PROVIDE THE AGREEMENT CREATING THE ALLEGED DEBT, YOU ARE IN CLEAR VIOLATION OF THE FDCPA AND I WILL NOT STAND FOR YOUR ILLEGAL ATTEMPT TO COLLECT. YOU ARE CIVILY LIABLE FOR ANY AND ALL DAMAGES TO THE CONSUMER/NATURAL PERSON AND ORDERED TO PAY {$1000.00} PER VIOLATION PURSUANT TO 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ).
THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER!
Attached is an Invoice in the amount of {$3000.00} for violating 15 USC 1692f ( 1 ) Unfair Practices and damaging the consumer/natural person. Send check by certified mail to mailing locating listed above. Transworld Systems Inc. HAS UNTIL XX/XX/XXXX BY XXXX EST TO SETTLE THIS MATTER! THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER!
XXXX XXXX XXXX Coming in Good Faith
|
| 01/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : __NATIONWIDE CREDIT INC. ; WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; XXXX XXXX XXXX, XXXX.
NOW, THEREFORE! ON THE DATE OF XX/XX/2020. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM NATIONWIDE CREDIT INC . DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : XXXX {$20000.00} ] XXXX XXXX, XXXX XXXX AND XXXX DOLLARS, AND XXXX CENTS.
[ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH XXXX XXXX XXXX, XXXX. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF NATIONWIDE CREDIT INC . CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT.
REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : [ {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THAT, NATIONWIDE CREDIT INC., DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED.
|
| 12/29/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
Older American |
|
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, 2015 Honorable Senator : I am in need of your assistance. The situation is thus, a few years ago I cosigned student loans for my Daughter XXXX. Situations that were unforeseen occurred. My Daughter XXXX reneged on repaying the student loans. XXXX of the loans went to collections, when I was contacted by the collection agency I was threatened. Not knowing any better, I started to make payments. I later found out that what they did was illegal.
I am getting on in years and ready to retire. Things have gotten worse. I had to file for bankruptcy to protect my home. Tried to take advantage of the HARP program, but was denied due to no credit. It 's to the point, We are living paycheck too paycheck.
We have no funds available to cover any unforeseen problems that may come.
The funds should 've gone directly to the college instead they went to the student. In our case, she spent all the money on herself and not for further education. The funds should go directly to the college. Out Daughter XXXX, scammed us and the loan originators.
We are at the point that we can no longer afford to repay these student loans. I believe your office can help us. Why is it that the student is not responsible for repaying the loans, the loan companies go after the cosigner?
I believe you could submit legislation to prevent this from ever happening to anyone again. The student should be held accountable and be responsible for repaying their student loans and not the cosigner.
But in the meantime, I need any assistance Your Office can provide Me. Any help you can offer would be greatly appreciated, in regards to programs or legal legislation that can offer student loan forgiveness.
Respectfully, XXXX XXXX XXXX
|
| 10/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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I moved from XXXX XX/XX/XXXX to XXXX. I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX. I had all of my services turned off at my old residence in Alabama after moving XX/XX/XXXX. XX/XX/XXXX, I was contacted by a debt collection agency Transworld Systems , Inc. stating they purchased debt from XXXX XXXX XXXX in the amount of {$160.00} that was dated from XX/XX/XXXX until XX/XX/XXXX. I explained that I did not live there during that time, as I moved to XXXX. They were rude and continued to harass me stating that this is my debt and I was obligated to pay. They began to call my cell phone incessantly and then found my home phone number and began to do the same. When I continued to insist that I did not owe the debt, they stated if I could prove I did not owe it, they would stop harassing me. So, I sent them proof that I had services in XXXX in the form of a letter from XXXX noting when I started service in XXXX and when that service ended, i.e. XX/XX/XXXX until XX/XX/XXXX. I thought that would stop the harassment, but it has not. They are now sending me letters stating that I needed to settle a debt I do not owe. The letter indicates that they are monitoring my credit to see when an inquiry is made. The letter uses intimidation tactics and states, " We hope that you are now in a better position to pay the above account ( s ). ". I do n't owe money to XXXX XXXX XXXX or Transworld, and I am not obligated to pay for services I did not receive. They are invading my privacy and utilizing my personal identifying information unlawfully by monitoring my credit actions and possibly lowering my credit worthiness by suggesting I am severely delinquent for a debt I do not owe. Your assistance in this matter is greatly appreciated. Please see the attached documentation.
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| 10/04/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
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The school was charged with fraudulent practices in obtaining student loans. The student loan amount was reduced. The company that held the student loan agreed to an income based repayment as the student did not have a job. The company that held the loan sold/transferred the loan to another company. The new company sent multiple statements to the borrower and the cosigner with differing amounts due, requesting remittance to names of companies, but with the same address. Both the borrower and the cosigner tried to reach the company by phone, but could not reach an agent. Both the borrower and the cosigner attempted to contact the company on-line but could not reach an agent and no response was given to emails. The cosigner sent payment for the amount agreed upon in the income based repayment agreement with copies of the agreement. The new company did not acknowledge, though the check was cashed. The new company sent multiple past due notices to the borrower and the cosigner. Both the borrower and the cosigner again attempted to reach the company by phone but could not reach an agent. The cosigner sent a certified letter on behalf of both the borrower and herself asking that the company make contact and communicate about this confusion. The return receipt came back showing that the letter was recieved by the company and signed by an agent of the company. Neither the borrower or the cosigner recieved phone call, email or letter in response. The company again sent past due notices to the cosigner and the borrower, this time with also with differing amounts compared to previous statements. The borrower and the cosigner informed the company in the certified letter that without clarification and communication from the company, no further monies would be sent.
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| 12/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I checked my credit report and found that this company Transworld systems input a collection on my credit that was unknown to me. After sending a VOD to this company they sent me something stating it was a statement from the company XXXX XXXX XXXX. I reached out to the company to ask why and what was this debt that they were trying to collect on being that I did not owe a debt to them. I rented an instrument for my XXXX during the school year of 2018 and it was returned with no problems and no balance due. The rep said she didn't know anything and wanted me to call the collection company. I asked why would I need to call a collection company when your company is the one that is trying to collect on a debt that I know nothing about. I asked for the corporate number so I could get the facts of what's going on with this account and why is this just now coming out. She told me that was the corporate number I called and then proceeded to tell me that she was going to hang up the phone because she didn't have anything else to say to me. I told her I need her to make me understand what is this amount they are trying to collect when clearly the instrument was returned and I have a receipt. From there she still did not want to look into this situation. Told me it wasn't her company and I just need to speak with the collection agency. I told her this isn't right but could not get any further with this rep. I have attached the receipt I received from the rep at the store after returning the instrument and I have also attached what this collection agency has sent me saying I owe this amount. That I know I do not owe. The current balance as well as total account balance shows XXXX so how could they possibly try to collect on anything when the amount is XXXX owed?
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| 01/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent a debt verification letter in XX/XX/2021. The company didn't respond within the 30 days time and have continued to try to colect on the debt.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date that this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Whether this debt is within the statute of limitations and how that was determined.
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Please provide the name and address of the bonding agent for TSI/Transworld Systems , Inc in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
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| 07/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Date opened/XXXX,2017 Transworld systems inc . Amount owed/XXXX Medical Original creditor/XXXX XXXX XXXX I was at the time with XXXX XXXX get my credit fixed right before I stopped there services I saw a change in my credit again this was a collection from trabsworld systems inc for the amount of {$780.00} XXXX XXXX had told me that it was a dentist office in XXXX XXXX called XXXX XXXX dentist that I had recently went to but I only paid XXXX for a bundle service they had. I had called the dentist office and explained to the lady what was going on she told me that I did not have any outstanding payments nor anything in collections. And that she didnt know who Transworld system inc was. I went on my XXXX report to dispute this action and the number that is given in the report thats suppose to be the creditors number is a false number and it belongs to a sweepstakes company. I had also this last week got a letter in the mail from this company but the letter had been written as I wrote it and it got sent back do to wrong address. I did not write the company my name is spelled wrong my street name is spelled wrong my social is on this paper and so is my signature but I did not sign this paper ( mind you this is all written as I wrote the letter to these people and I didnt ) when I try to put a desput in it wants a confirmation code. And thats the only thing stopping me from making this disput. And since this has happened I have had people in XXXX and across the country logging into my XXXX account my XXXX my bankaccounts. And the XXXX lady told me I had to go threw XXXX XXXX or another agency and XXXX them for there service to get this off ... I am a victim of identity fraud I should not have to pay someone to have to get this fixed. Please help me ..!!!
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| 10/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection. The information on this collection account is extremely false and fraudulent. It states a date of service of XX/XX/XXXX with an innacurate service address. The apartment I reside at was yet to be built in XXXX. The account now states that it was in collection on XX/XX/XXXX. This original creditor has tried to open a collection in my account in the past which I also disputed and was taken off my credit report and is now reopening a collection under a different agency.
This is against the Consumer Financial protection bureau and this collection agency is violating the Debt collection practices. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this collection account from my credit report if it is found to be inaccurate.
I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.
Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report.
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
I personally signed and sent this letter. Sincerely,
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| 05/11/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
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On XX/XX/XXXX I contacted Transworld Systems Inc. in reference to my student loan ( currently in default ) because I wasnt able to make my monthly payment due to being out of work on extended medical leave. My next payment was set for XX/XX/XXXX. I received a phone called from XXXX XXXX from Transworld Systems Inc. stating that my payment was due. After explaining to her that I had just gone back to work, was unable to make my payment and requesting an extension on my payment XXXX XXXX informed me that my settlement would be null and void. I asked her why the current settlement would be void if I was unable to make the payment? I then asked her if she could provide me with a copy of the agreement stating that if I missed a certain amount of payments the settlement would be voided. She said she could only provide documentation stating my monthly payment which is not what Im requesting. Im requesting something in writing from Transworld Systems inc stating the terms of the settlement agreement as well as the remaining amount that I owe and the number of payments Ive made thus far. If Transworld Systems inc is unable to provide me with any documentation how do I not know that the loan hasnt already been paid off as Ive been making payments in the amount of {$230.00} for over a year now.
Furthermore, XXXX XXXX stated to me on the phone on XX/XX/XXXX that she personally allowed me to miss my last two payment as a favor. Now shes saying my settlement is void because I requested an arrangement due to my inability to make payments due to no income.
After requesting the documentation XXXX XXXX placed me on hold then said she would call me back.
I would also like to know why Transworld Systems inc has not been reporting my payments to the credit bureau.
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| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there.
I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time.
Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE.
I am attaching my insurance copy and also attaching a copy of the debt collection.
I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX
|
| 11/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was first contacted on XXXX by a phone number matching my phone 's area code but not matching the area in which I currently reside and was asked to verify my address. After giving only the numbers of my address, I was told I was correct and was informed I owed a debt to my current power company. After checking myself that I did not in fact owe that amount at all, I double-checked with the collector what the full address was that he was collecting for. At this time he gave me the number I had said, followed by the street name for a previous address I had lived at, combining the two into one address that does not exist. At this point, I became suspicious and called the collector out for having a fake address at which point he hung up on me. I then called the number back to check if it was a cloned phone number, and the woman who picked up was very shifty when I asked what the company was, attempting to collect information from me without revealing whose number this was. She then dropped the standard " this is a debt collection call '' script on me before attempting to collect for the address that - sure enough- was the incorrect amalgamation of two addresses. When I asked her to type the address she had into XXXX XXXX to see if it existed, she verified that it in fact did not, but attempted to place the blame on the company they were collecting for. I then called the company and spoke with several departments to try to find out if they had ever done any business with this collections agency and it turned out that they had not. Calls like this have continued now, at some points interrupting my work and being made after XXXX XXXX and every time I identify that the address they have doesn't exist and that they are trying to scam me they hang up.
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| 01/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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Date : XX/XX/XXXX Consumer Financial Protection Bureau To whom it may concern : Re : Transworld Sysytems # XXXX I submitted a complaint to your office on XX/XX/XXXX regarding Transworld Systems Inc. because of an attempt to collect a debt from me that I did not owe ; the complaint with the Consumer Financial Protection Bureau is listed under # XXXX-XXXX. Subsequently, I received a letter from your organization with a copy of correspondence from Transworld Systems that stated the matter was being closed because Transworld determined that I was not the consumer who owed the debt and Transworld said that they would have no further contact with me.
On XX/XX/XXXX, I received yet another letter from Transworld Systems attempting to collect a new debt from me in the amount of {$17.00} with a license plate number that I have no knowledge of is not connected to my driving history.
I am obviously disputing this new debt and I plan to send Transworld a certified letter indicating that I dispute the validity of the debt. However, I do not understand why Transworld Systems continues to attempt to collect a debt from me knowing that I am not the consumer who owes the debt, and seemingly without doing any work to identify the person who actually owes the debt.
I am a XXXX-year-old woman who drives a 9-year-old XXXX vehicle. If necessary, I will provide your agency with information regarding my drivers license and license plate so that you can compare that information to Transworld Systems records. However, these constant letters from Transworld seem to constitute harassment and I shutter to think about how many senior citizens and other un suspecting consumers they are harassing without cause.
Please assist me with resolving this matter.
Best, XXXX XXXX
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| 01/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately.
Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations.
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation.
XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed.
I am currently continue to be served papers for court proceedings for case No. XXXX
|
| 03/08/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
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XXXX XXXX, 2016 I talked to representative at Transworld Systems about my student loan account. I never given my new number out and the number that the company had was an old number. After speaking with the individual she was to send me a email via fax system for application as a Financial Disclosure for Reasonable and Affordable Rehabilitation Payments. I filed out this form and on XXXX XXXX, 2016 called and asked for the email to send it I was given a email to fax address. After which this woman representative continue to talk over me or past me trying to collect the debt when I was instructed to talk to woman I spoke to on XX/XX/XXXX. I asked for supervisor but no one would get the woman I spoke to in XX/XX/XXXX on the phone only said she would call be back it never happened. However, later this day XXXX/XXXX/16 I received a call from another company saying the company can lower my amount and payments. Now this was a new number because the it was only when I gave it out to Transworld Systems then I received this call from another company called " XXXX '' department. Today was also when I gave Transworld System the correct number because in there system the number was off by one digit. Therefore, my information and personal debt information was given without my permission and someone in the company gave it to a third party. I was never told that my information would be given to anyone or shared.
This company that called me was " XXXX '' also texted me that 's third party violation as well because anyone can see text on my phone my wife, sister etc..
What I want from this? .. restitution. My reference numbers at Transworld Systems are : XXXX, XXXX. Transworld number XXXX and the number from this company called " XXXX XXXX XXXX '' is : XXXX
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| 05/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
|
| 09/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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When I checked my credit report on XXXX XXXX, it showed that I had 2 derogatory remarks from unpaid medical bills totaling less than {$400.00}. I learned my debt from XXXX was sold to Trans World Systems. The 2 unpaid bills were from XX/XX/XXXX and XX/XX/XXXX.
I called TransWorld in XX/XX/XXXX, and asked about the debt I owed they said I have no outstanding debt with them. I told them my credit report shows otherwise. Then went in to say I had nine ... wait no, five accounts, wait ... I think theres just three? ... I was a little unsettled about the fact that they were so unsure about the debt accounts and amount owed I asked them to send me verification of the debt. They said I would receive it in the mail in 10-14 business days. I never received anything in the mail.
On XX/XX/XXXX I called TransWorld again, this time I was prepared to just pay any debt just to get it off my report. Only, once again, they couldnt tell me how much I owed and what accounts were mine. I asked they just send me something in the mail that says if you pay $ $ $ then, we will take these marks off of your credit report ... they countered with if you pay $ $ $ then well send something that says well take it off of your credit report. How do I know what I owe?! They dont even know what I owe! They said they would send me verification in 10-14 business days. I said you told me that last time and I never received anything ... they told me they had no record of me ever calling. This didnt surprise me. Good thing I didnt pay them money in a promise Id receive something in the mail saying it was off my credit, because it seems they never send mail at all. Its now been over a month since I spoke to them on the phone ... I still have yet to receive anything in the mail.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy.
I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, XXXX, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. TRANSWORLD SYSTEM ACCT # XXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has XXXX different account status types across each agency. XXXX has the account listed as refinanced XXXX has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with XXXX XXXX has the account listed as a collection/chargeoff and XXXX has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account
|
| 07/25/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
Transworld sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with XXXX XXXX XXXX which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with XXXX XXXX XXXX because they no longer have the loans. I do see any ownership information from XXXX XXXX XXXX or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was XXXX XXXX XXXX but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. XXXX XXXX XXXX and Transworld are trying to commit fraud against me. I have the copies of all of the complaints I have against Transworld as proof. XXXX XXXX XXXX can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.
|
| 06/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I graduated from XXXX XXXX in XXXX of XXXX. Right before I graduated, I began receiving letters requesting payments for a Federal Perkins loan that I have no recollection of taking out. The letters misspelled my name, and I assumed that they were spam because of that, and because it is a Federal Perkins Loan. I spoke with XXXX XXXX and XXXX throughout the first few months of recieving these letters and both parties did not know who UAS was and informed me that my Federal Perkins Loan should be with all of the rest of my federal loans and that this was most likely just a scam. A few months go by, I was still receiving mail from UAS, but they started to be final notices. I contacted XXXX XXXX again, and they again said that it was a scam and not to worry. After I saw the non payments on my credit score I called XXXX and they then confirmed that this was who was holding my loans and corrected my information. It is now 4 years post graduation, I have enrolled in automatic payments and have been consistently making payments since XXXX of XXXX. I am now trying to buy a home and asking that they remove the lack of payments from my record considering my school, and FAFSA both confirmed for months that all of my Federal Perkins Loan information should be with XXXX ( where all of my other federal loans are ) and that this UAS seemed like a scam due to their lack of correct information and intense attempts to reach out to me. These should not fall on my credit report as it is the businesses responsibility to report my information correctly when sending important documents.
Attached is an example of the letters they were sending me from XXXX - XXXX when my name was finally changed and XXXX XXXX confirmed that UAS is in fact their loan servicer.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
I was informed of my credit score going down almost XXXX points during the loan and closing process for a new house by the lending company. They informed me that there was a new item on my credit report where an {$81.00} unpaid final bill from XXXX XXXX from XX/XX/XXXX was sent to collections ( TransWorld Systems ) in XX/XX/XXXX. I was never notified of the charge from XXXX XXXX. I was never notified that the charge was being sent to collections from XXXX XXXX. I was never notified that the charge was in collections by TransWorld Systems.
I called XXXX XXXX the day i found out and I paid the balance directly with XXXX XXXX over the phone then contacted Trans World System regarding my credit report. I had XXXX XXXX to look up my ENTIRE payment history to show I had NEVER had a late payment and NEVER had a missing payment the entire time I had service with them.
Trans World Systems informed me that they do not submit or process credit deletions and would need proof of payment from XXXX XXXX which should process in their system in anywhere from 24 hours to multiple weeks. Once TransWorld Systems confirms the payment they can then send the information to the credit bureaus to inform them that the bill/collection has been paid. I do not know how long this will take, but it could be at least 30+ days. TransWorld Systems will not have the item removed from my credit report, but instead will only note that it has been paid.
If i was informed or aware of the bill/charge i would have paid it immediately.
I am requesting that the credit report entry be deleted from my credit report and my credit rating returned to normal by XX/XX/XXXX as I am closing on a new home at the beginning of the year and this will negatively impact my interest rate.
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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RE : Response to CFPB Complaint ( Complaint # XXXX ) I am writing in response to your reply to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), referenced above. In your correspondence, you stated that It is TSIs intent not to have any communication with me in reference to the above account. Moreover, you provided contact information for XXXX XXXX XXXX for any further questions regarding my account. I must bring to your attention that despite your intent, communication regarding this alleged debt has not ceased.
Furthermore, I have made several attempts to reach XXXX XXXX at the number provided ( XXXX ) XXXX, leaving messages with the intent of discussing the matter. To this date, I have not received a response.
It appears that Transworld Systems Inc. is in clear violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692g ( b ). According to this law, TSI has failed to : 1. Provide proper verification of the alleged debt.
2. Provide judgment of the alleged debt.
3. Cease collection of the debt until TSI obtained verification/judgment and mailed such findings.
Please be aware, the statement that was previously provided does not pertain to me, as it does not bear my name. This is a critical error on your part.
In addition, I filed a dispute directly with XXXX regarding this alleged debt. On XX/XX/2023, XXXX responded to my dispute stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. The account in question ( # XXXX ) was verified as belonging to me, with certain fields modified. This verification is perplexing, given that TSI has not complied with the necessary requirements to substantiate this debt.
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| 02/25/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I started receiving phone calls from Transworld Systems Inc regarding account XXXX during work hours and after XXXX pm at night. I was told that I had a collection with them regarding a medical debt. I have great insurance and did not understand how I would owe anything plus I have not received anything in the mail telling me that I had been sent to collections. I asked them to verify this debt and was hung up on. At the time I thought it was a scam but wanted to check XXXX XXXX. I saw a new collection. I called them back and explained that I did not think I owed the debt but they talked about suing me so I just paid it as it was under {$300.00}. The representative also told me that it would be removed if I paid but it has not. I have since found out that it is the law they mail a letter and give me 30 days to pay. I did not receive this letter. I have also found out it is the law that they verify the debt and they hung up on me when I asked that. Now I have asked them to remove this item from my report because I was threatened and harrassed and certain laws were not followed. They can't find my account anymore. I have disputed this with the credit bureaus XXXX and XXXX but they have not removed it. The other one is not reporting the account. I would like for this item to be removed because they violated the Fair Debt Collections Practices Act and Fair Credit Reporting Act by filing a collection without mailing me a letter first and refusing to verify the debt and lying to me about it being removed. I see that the CFPB has over 5000 complaints agasint this terrible company and I am hoping you can help me. Also the collection was opened in XX/XX/XXXX but they are reporting the date of last activity XX/XX/XXXX. This is incorrect.
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| 01/03/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The week of XX/XX/2020 I rented a vehicle with XXXX XXXX from their XXXX XXXX office. The amount of the rental according to the reservation was {$290.00}. However, without disclosing the extra fee, the clerk added an extra driver ( who never drove the car ). She tacked on the surcharge of {$100.00} without showing me the charges or offering me a receipt. I never signed for these charges nor saw a receipt until returning the vehicle. Upon inspecting the document XXXX claims I allegedly signed, the signature does not match any known signature of mine. I was suspicious that XXXX XXXX XXXX had engaged in fraudulent activity and contacted my credit card, XXXX, to partially dispute the charge ( I was happy to pay the amount for which I had reserved the vehicle ). I sent documents showing that my signature did not match on the higher charge as well as photographs of the paper receipt I was given ( the only docuemtn ) showing the original charge of {$290.00}. XXXX agreed that this activity was duplicitous and partially charged back the fee.
XXXX requested payment for the remaining amount in early XXXX. Using the FTC 's suggested letter for disputing a charge and seeking an investigation, I wrote a letter and provided documentation as I did in the XXXX dispute. This letter and packet of information was mailed via certified mail to XXXX 's billing department on XX/XX/2020, for which I have a receipt. I never received a response from XXXX via mail as I believe is required by the FTC. Instead, I received notice in a letter dated XX/XX/2020 that XXXX had sent the debt to be collected by XXXX Debt Collection agency, having not sent the required response to me concerning my right to investigate the debt and fraudulent activity I reported.
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| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I received a notice from TRANSWORLD SYSTEMS INC. located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, Phone XXXX. The notice ( acct : XXXX ) stated that I owe {$1600.00} to original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
This debt is for services provided on XX/XX/XXXX, by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, Virginia.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX submitted a claim for {$1600.00} to my insurance provider XXXX XXXX XXXX ( All Savers ), but the claim was denied because they failed to submit the claim within the timeframe specified in their contract.
I received an explanation of benefits from XXXX XXXX XXXX ( All Savers ) XXXX informing me that the claim was denied due to timely filing issue and that I was not responsible for paying these services and that XXXX XXXX was not to bill me because the fault lies on them.
I contacted the following parties on XX/XX/XXXX : Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( acct # XXXX ) and they informed me to disregard the notice from the debt collector. They have never delt with TRANSWORLD SYSTEMS INC. and they are aware that I am not liable for the bill. I have had numerous phone conversations between them and XXXX XXXX XXXX ( All Savers ) to get this resolved. I had assumed the matter was closed because it has been over a year and then I received this notice from TRANSWORLD SYSTEMS INC. on XX/XX/XXXX TRANSWORLD SYSTEM INC. : I spoke with a representative and they informed me the notice was on hold because they were waiting on a response from XXXX XXXX XXXX. XXXX XXXX informed me that they do not deal with this debt collector and that my account was XXXX for the service date of XX/XX/XXXX.
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| 05/08/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Transworld S ystems/TSI claims on my credit report that they are collecting a debt of {$400.00} on behalf of XXXX XXXX for a recently charged off account. I have n't had an account with XXXX XXXX since XXXX of XXXX , and I had received no notice of a debt from Transworld, so I called the original creditor on XXXX XXXX , XXXX to verify that no one had recently opened an account using my information. They told me the closed account date they have for me is XXXX XXXX , XXXX and the charge off date was XXXX , XXXX , XXXX , and they have not had an account for me since. They sent me the proof of dates the accounts were opened and closed. I contacted Transunion a s again, I have received no contact with Transworld, not by phone, not by mail. I told them this creditor has illegally reaged this account, and that I have received no communication or validation of this supposed debt, yet as of today they consider the matter settled and the account remains as a negative collection on my credit report with an origination date in XXXX XXXX . My issues are that I have received zero communicatio n, zero proof of debt, and I have evidence from the original creditor that they have illegally reaged this debt that was originally reported to them in XXXX of XXXX . They are lying on my credit report and saying that the original creditor contacted them in XXXX of XXXX , which the original creditor says is a flat out lie and they suggested I contact your agency. I want to sue them for their illegal practices that are damaging my credit and costing me money in the forms of higher interest rates and outright denials for the extention of credit. They are breaking the law and need to be punished accordingly.
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| 03/16/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I became a XXXX customer in XXXX. My auto insurance policy was set to expire on XX/XX/XXXX. On XXXX, I contacted insurance agent XXXX XXXX to request an updated quote so that I could ( i ) modify certain coverage limits and ( ii ) compare the quote to competitors. She sent the updated quote and I declined/cancelled on that same day. On XXXX, I received an auto-pay email notice for my cancelled policy. I then turned off the auto-pay feature in my account and received online confirmation that the feature was inactive. I also notified XXXX XXXX via email and requested further assurance that I would not be charged for an auto policy that I had cancelled. I received no response. On XXXX, XXXX emailed me an auto insurance declaration despite my cancellation. I called her to have this issue resolved, but received no response. On XX/XX/XXXX, my credit card was charged {$910.00} for the cancelled policy. I emailed XXXX XXXX to get assistance with this erroneous charge and again, received no response.
On XX/XX/XXXX, I filed a XXXX complaint outlining the above issue. XXXX XXXX XXXX XXXX responded to the XXXX complaint by acknowledging that I had cancelled my policy effective XX/XX/XXXX and providing a Policy Release, which was executed XX/XX/XXXX. Despite XXXX 's acknowledgment and signed release, it recently sent my information to a collection agency, Transworld Systems Inc., in an attempt to collect funds for the very same policy that it acknowledged had been timely cancelled.
I have attached the signed Policy Release, my XXXX complaint, and the collection letter I received concerning the alleged debt for a cancelled policy.
I have been attempting to rectify this issue with XXXX for several months, but to no avail.
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| 03/01/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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IambeingsuedbytransworldsystemswhohaspartneredwithXXXXXXXXXXXXtosuemethroughXXXXXXXXXXXXwhocallsmewhilewhereincourtuntilXX/XX/XXXXtomakeanunrealisticdeal.TheyalsonevercalledmeinthebeginningandinsteadcalledandauntwhoIdontevenspeakto.Also,theywantedtomakeadeal.Whatdealyousuedmeandforunjustanduntruthfulreasons.TheyalsoreportedmycredittodayandIreceivedandalertandsoIinformedthecreditbureauofexactlywhathappenedfrombeginningtoendstartingwithXXXXwhichiswhotheloansbelongedtofromacollegeIdidntfinishsincethefinancialaidofficeatXXXXuniversitymessedupandsentmyloanbackinmysenioryearleavingmewithalargedebtandnojobtopayitandIsufferfromXXXXsowhoknowswhenmynextXXXXXXXXwillbe..rightnowIpayXXXXbecausetheysetarealisticdeal.XXXXgavenoreasonableoptionssincetheywereawaretheco-signerdiedthedaytheywantedthemoneyandthensentittoXXXXXXXXXXXXwhowantedmetopaytheirfeesalongwiththefeesalreadyonmyloans..impossibleforwhatImake.Iftheyresuingmewhyaretheyharassingmeshouldntweletthejudgedetermineandorlawyers.RightnowmepayingthemalongwithpayingalloftheotherloanswouldplacemeinextremehardshipforadegreeIdidntgetbecauseofXXXXUNIVERSITY.IwillspendmyentirelifefightingthisandifIhavetoIwillforwhatwasdonetome.NotdoIsufferfromXXXXandXXXXXXXXIamnowbrokeduetoprivatestudentloanswhenIplannedoncompletingmydegreeandXXXXmessedupmyfinancialloansbeyondthedeadlineperiodandleftmewithaschoolbillthattheyfinishedpayingoffbecauseiftheyhadnotmyco-signermygrandmaatthetimebeforeherdeathcalledthemandthreatenedtosuethem.SinceXXXXuniversityhasdonetheirjobatcoveringtheirmistakeupbutmyentirefamilybaredwhitenesstoitandsincethenthesamefinancialaidofficerattheschoolwasfiredforsayingIwasfinancialclearedandacoupleofkidswerewhenwewerentintheendinXX/XX/2009its10yearslaterandIhavebeenthroughXXXX
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| 04/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally.
Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change.
I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion.
Since this was not my fault, it is not fair that my personal credit scores are being harmed.
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| 08/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I finally looked into my credit and saw a collections from transworld systems inc. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
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| 10/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The debt collector is attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX. XX/XX/2016, I purchased a lawn service package from XXXX to plant grass seed & aerate my lawn because it had a lot of bare patches. I tried to order the seeding & aeration services by themselves, but the associate would only sell them as a bundle along with a monthly weed control service. The associate told me that the seeding & aeration would be scheduled that week in XX/XX/XXXX & that I would receive weed control & fertilization in subsequent months to maintain my new lawn. As of XXXX 2016, the seeding & aeration service was never performed. I called numerous times to inquire about the seeding & aeration, but the company continued to reschedule the service. They showed up instead to spray weed control product & fertilizer on a damaged/bare lawn. On their visits, they were only on my property for 1-2 minutes. That was not the agreement that I entered into. I tried to call & stop the other services until the seeding was completed, but the company would not stop them. Finally on XX/XX/2016 I began a dispute with my credit card company because XXXX had not been responsive or helpful. The amount was disputed and resolved in my favor. A few weeks later, I began receiving debt collection notices from Transworld Systems , Inc. for the amount of the services XXXX had delivered that were not in accordance with our agreement. These services held no value because they were delivered without the primary service. This was already disputed through my credit card company and resolved ; however, I continue to receive debt collection notices.
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| 08/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This company has sent me these two different documents In response to my CFPB complain # XXXX " in the attached document shows two different companies one I have never heard of until I saw them reporting on my credit. Which means I've never contracted with this company they have nothing with my Pen-indented wet ink signature .... no contract means I owe them nothing they are violating I have disputed this account information as inaccurate ( never lived at the address ), and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
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| 04/06/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a debt collection on my report that should be deleted off my consumer report. Transworld Solutions did not advise that I can dispute. Paid the collection to have it deleted and the collection should not have been reported to my consumer report in the first place Per 15 US code 1681D ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The collection should have never been reported without my consent which i did not give.
Also, 15 US code 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; This collection is blocking every relationship that I would like to pursue with other entities. I am not looking to be paid for damages, I would like to have the collection deleted off report.
|
| 05/12/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
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Web |
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I have a loan that I defaulted with XXXX XXXX XXXX. My account is being sent to different collections agency. I was making payments with a collections agency than my account was sent else where with out notice. Now my loan is with XXXX law. In a response they stated that they received my account on XX/XX/2015. But on XXXX XX/XX/2015 I received a letter from XXXX that they had my account and was receiving phone calls from them up until XXXX XXXX 2015 and I filed a complaint against them and they never responded until the account was with XXXX. I do n't understand why my account keep getting passed around so quickly. I did n't received notice from XXXX until XXXX XX/XX/2015. As I stated previously I 'm unemployed and I 'm actively seeking employment. I can only pay about {$25.00} until I 'm employed. Once employed I 'm more than willing to pay more. My co signer is also unemployed and is leaving on a fixed income. He has medical bills he has to pay because he had XXXX XXXX and had to get it removed he also had XXXX more XXXX after the initial XXXX. He was in the hospital for almost XXXX months. I was paying on my student loan up into XXXX. I called the previous company and it took them XXXX weeks respond to let me know they were no longer in charge of my loan. I finally contacted the people who had my loan through XXXX they told me to call a number. I called the number several time and did n't get a response I later found out the company had changed it 's name. I also have medical problems and have to take XXXX medication which I have to pay out of pocket because I do n't have any health insurance and have to see doctor regularly and have to pay out of pocket. So the money I have left is about $ XXXX- {$30.00}.
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| 07/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/22 Received written notification of attempt to collect debt from Transworld Systems INC on behalf of XXXX XXXX. This was mailed to my home address.
To my knowledge, there were no outstanding charges on my account with XXXX XXXX XXXX XXXX I had not received any invoices or statements.
XX/XX/22 Called per notice to dispute debt. Left voicemail.
XX/XX/22 Called again, spoke with Customer Service representative XXXX. Requested documentation of debt so I could verify dates of service, payments made by myself & insurance company.
XX/XX/22 ( dated XX/XX/22 ) Mailed letter of dispute of charges. Again requested documentation of debt.
XX/XX/22 Called again because I had not received any response. Left message.
XX/XX/22 Called XXXX XXXX XXXX XXXX XXXX ) billing department & left a message requesting documentation of dates of service, charges & payments. No response to date.
XX/XX/22 Received a call from XXXX XXXX with TSI informing me that the account had been turned over to their Insurance Department for investigation. I asked to speak with investigator & was told that person would be able to see notes in system.
XX/XX/22 Sent letter detailing my attempts to resolve issue & again requesting documentation so I could research the dates of service & charges.
XX/XX/22 Filing complaint with CFPB. As of this date, I have not received anything other than the initial collection letter, despite repeated requests for documentation of the disputed debt. There has been no contact from TSI via phone or email regarding this disputed debt.
It is impossible to research the claim of debt without a detailed list of dates of service & charges. I have no way to verify payments made by me or my insurance company.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANWORLD SYTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted all FTC Reports/police reports to all companies and have requested all record and any documents proofing or stating with my signature ( original documents only )
|
| 06/10/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I did a student loan refinance in XX/XX/XXXX. The terms were lower interest only payments to begin with a variable interest rate. I was charged an amount to pay. In XXXX of XXXX, I started paying extra and the servicer was applying the extra to the principal to reduce the balance I was being charged interest on. I was making progress. The new servicer, Universal Accounting Services took over in XX/XX/XXXX. The extra I paid was not consistently applied to the principal. When I called today, they said they choose to apply the extra wherever, which isn't the terms I agreed to with the lender. The rude woman named XXXX XXXX (? ) refused to listen, wouldn't look at the account payments, and refused to get me a supervisor. I called back and a nice person XXXX XXXX, explained that because of their accounting practices, if interest accrues, its paid first and whatever is left would then be applied to reduce the principal. XXXX told me they recently updated they system so that any time a change occurs, a payment is made, or a statement is generated the interest is added to the account. This means that I'll never have the full amount of money I'm paying extra deducted from the principal because they are now adding the interest onto my account multiple times during the month. The terms of my loan were such that the interest accrued and I paid that interest. It's not a fair practice to accrue the interest more frequently so when I pay extra it pays that instead. I'm trying to pay my loan down and these unfair practices are causing me not to make progress with my finances. The new servicer has over all been uncooperative. I've expressed clearly in my calls that I want to pay things down and their practices prevent that.
|
| 10/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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On XX/XX/XXXX I was XXXX XXXX from the XXXX XXXX, unfortunately I was not able to find employment fast enough to keep my Military XXXX XXXX XXXX active. This account is allowed for military personal who can shop at any military exchange ( store ) XXXX, XXXX, XXXX etc. I am being charged a collection fee on top of my debt and interest ( understandable ) with the Military XXXX, these fees are {$1000.00} 's of dollars on top of the original debt. I've asked for numerous statements and have finally received one for XX/XX/XXXX. In the attached statement you will see that only {$310.00} have been accepted, however you'll notice my personal checking receipts equating to {$370.00}. This has happened every time I've made payments on the account. Almost as if they're stealing the XXXX XXXX and my money, as the statement from Transworld shows on pg XXXX {$310.00} in payments and {$0.00} in fees. I can not provide exact amounts as Transworld Systems is only directing my calls to XXXX XXXX XXXX whom has not called me back. On XX/XX/XXXX I submitted a claim to FederalReserve.gov to help on this matter, Transworld had told me they would provide statements, and that the fee is not able to be removed. I feel that this is in violation to the Fair Debt Collections Act 15 U.S.C. as I never agreed to a collection fee nor would any human being on the planet. I own up to this debt and as such have made numerous payments, but with this type of theft my debt will never be paid in full. This fee is not a fee due to charging by checks or debt. No explanation to an agreement on this fee has been sent or agreed upon. I've also contacted the written correspondent which the billing statement shows to contact and they have no idea why.
|
| 03/07/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
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I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service.
I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..
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| 08/23/2023 |
Yes |
- Student loan
- Private student loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Subject : Request for Forgiveness and Reversal of Late Payment Report Background : In XX/XX/2021, the first couple of payments for a student loan were missed. The borrower did not receive a bill and thought nothing was due because of the stay-at-home order issued by XXXX XXXX of Washington XXXX The account was set up by the borrowers parents, but there was a miscommunication in transferring the login information to the borrower. This error was discovered from a credit report blemish.
Actions Taken : The borrower went online and paid the overdue amounts as well as the following month. The account was successfully closed within six months of the credit being hit, ahead of schedule. The loan servicer was contacted for relief, but none was given. The borrower requested that the late payment be rolled back off the loan, but this request was denied.
Bad Faith of UAS Connect : There have been several reports of UAS Connect exhibiting bad faith in their handling of student loans. For example, one borrower reported that they had a recurring payment set up with UAS Echo, but when UAS Connect took over, they did not transfer the recurring payment and filed a delinquency. Another borrower reported that they thought their XXXX XXXX XXXX with UAS Connect was in COVID forbearance extension until they discovered that the first payment was due two months prior. When they contacted UAS Connect, they were told that there is no missed/late payment forgiveness program2.
Request : The borrower is requesting forgiveness and reversal of the late payment report with the credit agency. This would be in good faith, especially during the COVID-19 pandemic and in light of UAS Connects reported bad faith in handling student loans.
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| 07/14/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
Servicemember |
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I started trying to contact University Accounting Services on XX/XX/XXXX with regards to 2 student loans from XXXX XXXX account name : XXXX XXXX XXXX, although my name at present is XXXX XXXX XXXX - XXXX : XXXX ). I became aware that these loans were STILL not paid due to a background investigation that was being done by my new employer, XXXX XXXX. I was advised by the XXXX ( in charge of my background investigation ) that, in order for my clearance to be granted and to continue my employment, I needed to contact UAS to set up a payment plan and make the equivalent of 3 months worth of payments. It needs to be noted that setting up the aforementioned payment plan is made significantly more difficult by the fact that the loans are as old as they are. Initially, UAS didnt seem to have a clue about how to proceed with this. After a couple of weeks, it was determined I needed to file a rehabilitation deferment application before a payment plan could be set up. I was sent the wrong form, contacted UAS again and requested the correct form, but never received it. After multiple calls about the form, it was determined a rehabilitation app had been filed on my behalf, but, yet, no one had bothered to TELL me this, causing me to waste my time trying to figure this out. I have sent multiple emails to a representative by the name of XXXX XXXX, asking for an update and, yet, have received nothing. On yet other calls to UAS Ive been told that I needed to set up the payment plan with my XXXX mater, XXXX, NOT them, which is incorrect. This whole situation is a HUGE mess. Trust me when I say I have provided the " summarized version '' here. At this point, I can do nothing to resolve this until UAS gets their act together
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| 07/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the XXXX XXXX XXXX ( XXXX XXXX XXXX ).
On or around XX/XX/XXXX, I contacted Transworld Systems , Inc. ( TSI ), a debt collection agency to which the XXXX XXXX XXXX had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XX/XX/XXXX, I contacted TSI regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' TSI 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted TSI again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the XXXX XXXX XXXX for {$40.00}. On or around XX/XX/XXXX, I received a check from the XXXX XXXX XXXX for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.
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| 05/04/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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We took our daughter to XXXX XXXX XXXX XXXX in XXXX PA once in XXXX XXXX and once in XXXX XXXX for emergency care. When we registered at the ER we provided our current address and phone numbers. We received bills from XXXX and paid what was not covered by insurance, every bill that was sent to us. Fast forward to XXXX XXXX , we apply for a pre-approval on a loan only to find out that XXXX has sent t 2 i nvoices for us into collections around XXXX XXXX . i called the collections agency Transworld only to find out that the invoices and correspondences about the debt were being mailed to an address that we had lived in 6 years previously. We had XXXX address changes since we had lived at that location. No one from XXXX XXXX ever contacted us directly about these invoices and we regularly receive care from XXXX . Anytime we went in for a check up we were told our account was current, we would receive a bill and we would pay it. Transworld also never made any actual attempts to contact us stating, that they too were sending letters to our old address. They also claimed to have called my cell phone numerous times which was a flat out lie, unless it was an automated call which i would have hung up on without listening to. We have paid the {$150.00} on XX/XX/XXXX when it was brought to my attention but XXXX XXXX will not own up to their error and assist us with purging our now ruined credit report. In fact, the XXXX representative XXXX raised her voice to my wife and was unwilling to listen or assist us in any way. I will not stand to have my credit ruined over a clerical issue. XXXX /Transworld can expect to be hearing from a lawyer shortly.
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| 03/19/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To whom this may concern, On XX/XX/2018 - XX/XX/2018 I visited the NY area to celebrate XXXX with family and friends. On this trip I accumulated toll fees through an auto-mated system that sends bill to address associated with your TAG number. I was very unfamiliar with this new system this being the 1st time I had to use it as Im from North Carolina and we don't have tolls. A couple days after I being searching for their tolls by mail system with no success and could not locate my information in the system, I had not received any notices or correspondence until this day on XX/XX/2018 with my current address and fees and totals in excess of {$750.00}. The original fee 's are displaying under {$60.00} and they are demanding that I pay more than 10x 's the original amount. I called XXXX and XXXX picked up the phone agent IDXXXX and he explained he could not give his last name and could not give me any type of leniency regardless of my situation, I then requested to speak with a supervisor and the phone was disconnect on XXXX 's end. I then called back and spoke with a XXXX Agent IDXXXX, I explained to her that I was in the process of speaking with a supervisor and she informed me that one was not available to speak with me and that someone would call me back. No call back was given and to my belief this company is associated with unconstitutional parcties and prey on customers to make money. I never agreed to any of the following fee 's and I'm now being held accountable for fees totaling just under {$1000.00} which again is 10x 's the original amount. XXXX informed me that my Credit will be hit with a derogatory mark and collections are in progress and not I'm receiving constant notices in the mail.
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| 02/10/2017 |
Yes |
- Student loan
- Non-federal student loan
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- Getting a loan
- Qualify for a better loan than offered
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Web |
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I was accepted into XXXX University XXXX XXXX XXXX XXXX program in XX/XX/XXXX. I successfully completed the program, however decided not to attend and instead apply to XXXX. I chose this route after learning that the facts that XXXX promoted about their graduates obtaining American XXXX were not true, and I did not want to jeopardize my future career. In order to pay for my tuition I had to take out a private loan. I applied for a XXXX XXXX XXXX loan which I was approved for, however when I informed the registrar department about my loan servicer, they encouraged me to instead take out a loan with XXXX student loans. They informed me that they had a very good relationship with this loan provider and how they disperse funds very expedient. They also told me that if my XXXX loan does not get dispersed before the end of the week, they will drop me from my classes. Out of fear of losing my spot in the program I did apply for the XXXX loan. XXXX filed for bankruptcy and I received no paperwork about my loans for years ; not until I graduated from XXXX school in XX/XX/XXXX I received correspondence. At that point my student loan had doubled in amount due to the high interest rates. However, this loan has exponentially increased compared to my other student loans. I feel like i was coerced by the registrar department at XXXX to take out this loan which is now 3x the amount. If I had gone with my original loan servicer, my balance would not be as high. I am still in XXXX and my loans are in deferment for atleast another 2 years. From investigating I have also learnt that XXXX now offers a money back guarantee for their XXXX program. I was looking for some guidance on what to do in a situation like this.
|
| 12/23/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}.
After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that Transworld ( TSI ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because XXXX XXXX XXXX ( XXXX ) was handling this account.
I spoke with XXXX and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when TSI is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that TSI is reporting {$390.00} on XXXX XX/XX/XXXX.
My initial conversation started with XXXX on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that TSI have been contacted with my concern and they were waiting to hear their response. I have scanned them what TSI is reporting and they said they will contact TSI again with this information.
I am exhausted dealing with this debt that has been taken care of. If TSI is reporting this account then why is XXXX involved which is a collections company as well. I would like this removed from my credit report.
Thank you in advanced!
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| 04/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I fulfilled my one year membership requirement at XXXX XXXX XXXX XXXX in XXXX, IL in XXXX, 2016. The next month, my credit card on file expired so they were not able to continue billing me. I was contacted by the spa and returned their call to let them know I wanted to freeze my account as my husband had been out of work on medical leave since the beginning of XXXX. I continued to get a few phone calls and statements mailed every few days indicating I needed to contact them to pay what was owed. I again contacted them and told them I wanted to freeze my account. They demanded I pay 2 months they said was owed by that time. I refused, stating I had already fulfilled my obligation and had requested the freeze ; at this time, I told the person on the phone ( XXXX, I believe was her name ) that I just wanted to cancel my membership. I was told again there was a balance due but I again refuted the validity of the supposed balance as I had done everything required to settle the situation. I continued to receive statements every few days from the spa, and I ignored them as my husband needed my attention. In XXXX, I received the first collection letter from Transworld Systems , Inc indicating the " debt '' had been placed with them for collection. I responded in 8 days, indicating the debt was not owed by me, and it was not valid. I received a XXXX collection notice today, and am filing a complaint. The communication received today also indicated the balance had increased from the initial amount of {$170.00} to today where it is {$230.00}.
I indicated in my first letter that I would file a complaint if they continued to contact me and demand payment of the invalid debt, so that is what I am doing.
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| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive Perkins Loans funds on my behalf by forging my information. I have never taken out a Federal Perkins Loan or signed off on a Promissory Note to provide monies to XXXX University.
UAS : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the Federal Perkins loan was placed with UAS on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter.
However, after a request of validation of the Perkins Loan to XXXX University, the current XXXX Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the Perkins Loan was signed and became effective XX/XX/XXXX. In addition I would like to point out that the XXXX does not include my signature. Please see attached.
Attached is also the Financial Aid Award Year Summary, that I received from the Financial Advisor, XXXX XXXX on XX/XX/XXXX. The summary clearly states, Federal Perkins Loan {$0.00}.
I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a Perkins Loan that I did not request, need or sign. This information is being provided to the XXXX XXXX XXXX XXXXXXXX.
I am requesting that UAS and XXXX University remove all of the late payment of 120 and 180 days from my credit report with the Credit Bureaus immediately.
I am also requesting that UAS and XXXX University have XXXX remove any and all collections from my credit report and remove reported Federal Perkins loans from the US Department of Education. IMMEDIATELY.
|
| 02/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received a notice dated XX/XX/2020 that I owed a debt over several accounts in the amount of {$10000.00}. Account # XXXX I contacted TSI [ TSI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ]. I registered that i was disputing this debt.
I contacted my insurance company ( XXXX ) that was my insurance company at the time of the alleged debts. I spoke with a representative by the name of XXXX ( These communications took place between XX/XX/20 and XX/XX/20, which were recorded. XXXX can produce all, and i give them the right to do so ).
She looked into my account between the alleged dates of service ( XX/XX/XXXX to XX/XX/XXXX ) and found no record of any claims being filed. There is one claim in the amount of XXXX that may be a legitimate claim.
She contacted TSI and spoke with XXXX in their insurance department. After 5 attempts she has received no return calls.
I registered an online account, and found that there is a disparity between the written statement, and what is online. The information they have from the originators has either an incorrect address, or no address. The largest claim of XXXX has no address listed. No entity has been able to produce a record or details of this claim.
My agent ( XXXX ) has contacted TSI in good faith to resolve the dispute, as the debt is not owed. They have not responded in a timely fashion. This debt should be nulled, it is not my debt, and I was not billed in a timely manner. My insurance company has no record of any claims filed in this timeframe, and it is far past the 180 days required for a health insurance provider to bill them.
This is a billing error by one or several health care organizations and is not a debt i owe.
|
| 07/26/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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To : A Man or A Woman who are employed by XXXX XXXX and are working in the department titled : XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681i ( 5 ) ( A ) ; XXXX and XXXX XXXX XXXX XXXX Team, are in direct violation of as it is IMPOSSIBLE for XXXX to verify accuracy for an account that they NO LONGER OWN or manage and have sold or transferred or ASSIGNED to another company.
Assignment : transferring some or all property rights and obligations to another person through a written agreement.
I DEMAND TO SEE THE WRITTEN AGREEMENT OF SUCH ASSIGNMENT.
ALSO NOTE DO NOT send mail from a Corporation again without identifying a man or a woman SENDOR AND SIGNOR as this is Mail Fraud sending a letter claiming a debt is owed to you without identifying who the sender is nor having the RIGHTS to collect a DEBT. A corporation CAN NOT send mail, a corporation is NOT A LIVING SOULtherefore Identify yourselves or stop sending me mail.
The mail and wire fraud statutes both prohibit, in pertinent part, any scheme or artifice to defraud [, ] or to obtain money or property by means of false or fraudulent pretenses, representations, or promises.
Also you prove to NOT BE THE HOLDER IN DUE COURSE of ANY PAPER bearing the name : XXXX XXXX XXXX FURTHERMORE a UCC-11 DEBTOR SEARCH has been conducted whereby THERE EXISTS NO LIENS OR CLAIMS CERTIFIED that evidence the claim being made by XXXX or any other organization or entity.
With that being said as you ARE NOT the OWNER of the account as you attest that you have ASSIGNED the Alleged Account to XXXX XXXX, XXXX ; then I DEMAND that you CEASE ALL REPORTING OF THIS ACCOUNT AND REMOVE IT FROM ALL AND ANY CONSUMER CREDIT REPORT BEARING THE NAME : XXXX XXXX XXXX
|
| 09/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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My husband and I were seen and treated separately on XX/XX/2018, at XXXX. We each paid a {$50.00} co-pay. We were told that our insurance was accepted. We later received bills stating that {$65.00}, was left remaining on our bills. The total bill for our visit was {$110.00} each. When I received the statement, I called XXXX and explained that we were told our Insurance was accepted there. She said it is accepted, but that is not a guarantee that our insurance will pay. I asked her if they would reduce the bill to a self-pay amount. She said no. I intended to contact my insurance company to dispute. However, it was put off. On the evening of XX/XX/XXXX, I received a letter, dated Saturday, XX/XX/XXXX, stating if full payment of the overdue amount is not received by the due date, ( there was not a due date on the letter ), we will have no alternative but to turn your account over for collection. I paid both of our bills in full on XX/XX/2018. On XX/XX/XXXX, I also received an email with my statement attached that stated the account will be referred to collections within 10 business days if payment is not received. I have been contacted by Transworld Systems, Incorporated. They claimed that my husband and I owe them {$97.00} each. I explained to them that I had paid the bill in full on XX/XX/2018. They now say I owe {$32.00}. XXXX paid the {$65.00} to Transworld on each of our accounts on XX/XX/XXXX 7, 2018. I have explained that the bill was paid prior to it being turned over to collections. They have acknowledged that it was turned over on XX/XX/2018, but they insist that XXXX says we owe the fee for collections, regardless that it was paid prior to it being turned over to their office.
|
| 09/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
Complaints should have the opportunity to respond to company responses. Since both the third party collection agency and the original debtor answered this. Responses are below.
In regards to : ~~TRANSWORLD SYSTEMS INC ( TSI ) ~~ TSI did not adress the issues.
1. TSI stated via phone call they received this debt in XX/XX/XXXX. I never received any statements from XX/XX/XXXX-XX/XX/XXXX while I was in the military and they were fully aware of my location ( s ) 2. I never received any statements until XX/XX/XXXX. Why?
3. HOW is this debt NOT subject to the limitation in PUBLIC LAW 110-234?
4. To the best of my knowledge, it is illegal to charge BOTH a collection fee and interest.
5. They refused the settlement.
6. Being a third party collector ( by the admission of XXXX ) they are NOT affiliated with the federal government. They are merely just another collection agency and thus illegally misrepresented themselves and violated the laws which govern fair collection practices.
XXXX XXXX stated that no address was given. I was still in the airforce when this supposedly got transferred to the 3rd party collection agency. As part of the clearing process both to a new base AND to exit the military an XXXX/soldier MUST go to XXXX and be cleared.
In addition, when there is an outstanding debt while a member is in service their pay is garnished and a report sent to their XXXX XXXX and XXXX.
When I XXXX to XXXX I went through the clearing process and also when I exited the XXXX.
Had there been a debt I would have been garnished while I was still in service AND/OR forced to sign an agreement for repayment upon exiting the military as is the standard.
TSI has refused the settlement.
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| 04/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Older American |
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In XXXX of XXXX I switched my phone service with permission from XXXX XXXX XXXX. XXXX made it clear that I had to pay my outstanding bill from XXXX to obtain a code that would enable me to transport my service from XXXX to XXXX. On the XXXX of XX/XX/XXXX, I paid with my debit card {$240.00}, which I was told was my final bill, and on that same day, my cellphone was switched from XXXX to XXXX. In XX/XX/XXXX, I received a bill for {$280.00} from XXXX, claiming that I owed the unpaid balance. I tried to explain to them, but they would not give me a listening ear. They then processed and sent my name and this amount to a collection agency XXXX XXXX, in Pennsylvania. I would receive calls from all odd hours and every day of the week. They would send me an email, notices in my mailbox, etc. I tried to explain that I did not owe this money, and there seemed to be an error. They reported me to the credit bureaus, which caused my credit scores to drop. Fast forward to XX/XX/XXXX, I decided to purchase a home and was advised to go ahead and pay off this debt of {$280.00}. On the XXXX of XXXX, I contacted XXXX XXXX to clear this bill ; my account was debited for {$340.00} that day. Their agent told me within XXXX to XXXX business days, I would receive a notice of payment in full either via fax or mail. I asked for a fax copy to be sent because the underwriters need it urgently. They promised I would receive the fax that same day within 30mins to an hour. Today, XX/XX/XXXX, I am still waiting to receive a mail or the faxed copy. I have called this agency daily, and they keep giving me the runaround. I asked to speak with a managXXXX, but none has taken my call. I am left stranded and I need help.
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX left my newborn baby, my wife, and myself without electricity for over two weeks while just giving us the runaround. Every day they said they would send someone to fix the electricity until they just stopped answering our phone calls. I finally had an electrician come out and change the main fuse of the house because I work from home, we have a newborn and the house runs completely on electricity, so we were even without hot water. I sent the bill to XXXX and they refused to pay it. I took it out of the rent and they continued to give me late fees. After covid hit, they tried to have me illegally evicted even though I had submitted the covid-19 memorandum. I was already leaving on the move-out date in the contract because they refused to renew my lease ( which is illegal under the covid-19 memorandum ). The day before the move-out day they said I could renew my lease, I said I only need two more weeks and they said that is fine but I needed to sign the contract or they wouldn't let me on to the gated community. On the last day of the two weeks, they came and served me with eviction papers, which I responded to and received a court date. Two days before the court day, XXXX dropped the case ( case number : XXXX ). Then I received a debt collection for {$15000.00} and when submitted the request for verification to Transworld Systems, they only sent me a photocopy of the two-week lease, which I was forced to sign or I would not be able to leave the property and if I did, I wouldn't be able to get back onto it. They are pulling {$15000.00} out of thin air. XXXX is actually fighting a class action lawsuit for forcing tenants to pay out of pocket for repairs on their dilapidated houses.
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| 11/13/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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I have had issues with the billing on my account since earlier this year. See XXXX for the initial complaint. In XXXX, they sent me notice that I was past due ( reoccurring payment was in place ). I went in a paid the payment due and inquired as to why it wasn't deducted. They said not to worry, things were fine and the account was fixed. Then my account was debited for the payment on XXXX. According to their explanations, the reoccurring payment was taken out on the due date but didn't post to my account until XXXX. They said the past due notice was system generated and they had no way of not generating that. This caused my account to be double paid in the same month because of their errors. My bills don't show the total amount due or a breakdown of the charges per my loan documents. I get a bill now and it shows it is due for twice the amount because according to the UAS representatives, the lender is choosing to bill that way and they have no control over the fact that is shows two months at a time on one bill. They said only pay the amount due for the month but I do not get anything showing what that is. Even when I go online, there is a current amount due but it also shows a greater amount due as the outstanding balance to pay with the due date of the current month. When I get my statement, it shows the amount of interest that accrued for the month but the total amount due is much higher. There is no transparency in billing practices and when I contact UAS connect, they just blame the lender, Summit, and go no further to resolve the issues. The last message I sent, I requested contact information as to who I needed to speak with to resolve the issues with Summit and got no reply.
|
| 04/07/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
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Web |
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I received a letter stating that I had been selected for wage garnishment. I contacted the loan servicer Transworld Systems ( TSI ) to get enrolled into a rehabilitation program. My primary complaint is the fact that there are separate departments that deal with the set-up, verification and maintenance for each account and they do not all work efficiently together. So XXXX person in XXXX department will tell you XXXX answer and then later you will be told something totally different by another person or department.
In my case, The set-up manager told me that I needed to sign XXXX different sets of documents and return them via email, but she sent me the wrong documents. I completed the paperwork, signed and returned as instructed and no one called for 2 days. On the 3rd day, someone called and said that my paperwork was incomplete and that I would probably still have my wages garnished until I got that to them. He then said that because I did n't have a fax machine the only way to receive them was by overnight mail! I happened to be accessing my bank account at the same time and realized that even though the agreement I made with the set up payment beginning XXXX/XXXX/16 and then on the first of each month thereafter, that I had already been charged for a payment! This is my second issue. My credit card was charged on an occasion OUTSIDE of the agreement that I made with this company. After all this, they still could not confirm that even though I had already made a payment that I will not have my wages garnished because of a problem they created. I spoke with a supervisor and she mailed me the documents immediately, but I still do n't have confidence that I will not be garnished.
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| 05/06/2015 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.
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| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank you, XXXX XXXX
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| 07/08/2015 |
Yes |
- Debt collection
- Federal student loan
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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I called to speak to someone regarding my past due student loan, the rep proceeded to ask my information including my place of employment which I gave him but I did not give him the phone number of my employer because I clearly stated " I can not receive personal calls of ANY TYPE '' he argued with me stating that they would n't call they just need the number, I again said I was not going to give that information. I was unable to complete the call at that time because I was on a time restraint and said I would contact them back later that week. A few days later a rep called me at work when I was off, which means whoever called took it upon themselves to not only call after I CLEARLY stated not to but to also LOOK UP the phone number to my employer because I would not disclose that information. I called them back and spoke to a supervisor who apologized and said it was against policy to call my employer when I had asked them not to and the rep that did so would be reprimanded and it was a mistake. I was very upset and again the issue at hand had not been resolved regarding my loan. This company has since called my employer TWO more times. I called them back and explained AGAIN that they CAN NOT call my employer and the rep told me he did not see a note on my account until he had already called and that by law they ca n't call if there 's a note so they would not be calling again. I have already been reprimanded by my employer multiple times regarding these people continuously calling. I explained I could lose my job over this after the first time they called yet they called again 3 more times. Obviously my request is not being taken seriously and this was my last resort to stop it.
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| 09/01/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I keep receiving calls from Transworld Systems Inc. for a debt not owed. I was being balanced billed by the XXXX XXXX and the claim was ultimately paid by XXXX. Under FL statue 641.3154 ( 1 ) " If a health maintenance organization is liable for services rendered to a subscriber by a provider, regardless of whether a contract exists between the organization and the provider, the organization is liable for payment of fees to the provider and the subscriber is not liable for payment of fees to the provider.
( 2 ) For purposes of this section, a health maintenance organization is liable for services rendered to an eligible subscriber by a provider if the provider follows the health maintenance organizations authorization procedures and receives authorization for a covered service for an eligible subscriber, unless the provider provided information to the health maintenance organization with the willful intention to misinform the health maintenance organization.
( 3 ) The liability of an organization for payment of fees for services is not affected by any contract the organization has with a third party for the functions of authorizing, processing, or paying claims.
( 4 ) A provider or any representative of a provider, regardless of whether the provider is under contract with the health maintenance organization, may not collect or attempt to collect money from, maintain any action at law against, or report to a credit agency a subscriber of an organization for payment of services for which the organization is liable, if the provider in good faith knows or should know that the organization is liable.
This agency continues to report incorrect information on my report. pls remove
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| 11/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TRANS WORLD SYSTEMS INC. IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
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| 03/31/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX, XXXX XXXX XXXX notified me that I owed them {$54.00} for using their XXXX XXXX toll payment option for a car I rented at XXXX XXXX. I don't remember agreeing to this and when I researched this matter, I determined I was not alone as a class action settlement * was approved in Florida in XXXX.
I fought this charge through several channels and was finally credited the {$54.00} charge.
======================================= XXXX XXXX XXXX XXXX Posted On XX/XX/XXXX Type Credit {$54.00} ======================================= In XX/XX/XXXX, XXXX placed the billed amount plus an {$11.00} fee in collection with Transworld Systems , Inc. ( TSI ). When I asked XXXX why I was in collection after my account was credited, they told me my bank ( the one who has my XXXX credit card ) must have authorized this. I called the bank and here 's what I received- ( " The merchant has now agreed to credit your account for {$54.00} '' ). ** After multiple calls, XXXX agreed to collect just {$54.00}. I decided to pay them on XX/XX/XXXX because I feared that a collection account on my credit report would cause years of added expense from potential creditors, insurers, etc. I then followed up with TSI to be sure XXXX directed them to halt collection efforts. And while TSI told me my case was settled, they claimed they had no way to determine whether the collection account would appear on any credit reports.
I thought it made sense to speak up.
Thank You.
========================================================== * Office of the Attorney General, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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| 12/04/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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For several months I have been attempting to retrieve a refund from XXXX XXXX XXXX ( XXXX ) for {$100.00} as a result of the final payment on my account ( on XX/XX/2018 ) being greater than the balance at the time. In XXXX I was told that the refund would be sent to me in 45-60 business days. Then on XX/XX/XXXX, after 60 working days had passed, I was told that the refund would not be sent to me but would rather be sent to the financial institution that refinanced the loan. After contacting the financial institution that refinanced the loan, I informed XXXX that they never received such a refund and XXXX responded on XX/XX/XXXX saying that a request would be sent to an account specialist to obtain a reference number or any information regarding the refund. 46 calendar days ( 30 working days ) later I have yet to receive any information regarding the refund. On XX/XX/XXXX I called XXXX to once again inquire about the refund and was told that the check just happened to be mailed that day and that I would receive the check by mail at my home address in 1-3 weeks but " definitely '' by 3 weeks ( though I was told that there was no reference/confirmation number for the check being mailed ). After 3 weeks ( on XX/XX/XXXX ) the check had still not yet arrived. After sending another email on XX/XX/XXXX saying that I never received the check I was told that XXXX had " sent a follow up request to ( their ) Accounting Department '' and will let me know once they have an update.
It has now been 133 calendar days ( 91 working days ) since the last payment was made on my XXXX account and the difference between the last payment and remaining balance has still not been returned to me.
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| 01/27/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was made aware of debt through a unlawful reporting and collections attempt by TRANSWORLD SYSTEMS that claims to be collecting a debt for or on behalf of a utility company called XXXX XXXX. A company I never had any dealing with, my utility company at all time has been XXXX XXXX a company that services the XXXX area where I live, XXXX XXXX on the other hand does not even service my area. I have asked this company to submit information along with documentation to substantiate the validity of the account, documents such as a service agreement with a copy of the identification necessary to establish an account, evidence that I have lived in that address or information about the service address which seems to be within the XXXX New York area, a service area at least four hours away from my place of residence. This company was not even able to provide me with billing statements about the service used which amounts to at least {$2200.00}, an amount over due unheard of for a residential customer. Moreover, I had asked for information on the reasons surrounding the longevity of this account and circumstances on how it was allowed to be on for so long and accumulate such a high balance with no disconnection notice. Finally Transworld claim to be a successor to XXXX XXXX in a nefarious attempt to shelter the utilities company to submit itself to a legitimate and rightful requests from myself to show me proof that it was a legitimate account established by myself or that I was the responsible person liable for the bills. I am hereby dispute the entire amount allegedly owed and demand that both XXXX XXXX and TSI, Transworld Systems cooperates in providing the information requested.
|
| 09/12/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Transworld was asked by me on XXXX/XXXX/16 and XXXX/XXXX/16 to provide proof that XXXX XXXX XXXX owns this debt because I never signed any contracts with them. Transworld wanted me to settle this debt at XXXX % without giving me the proof that I asked for. They turned over the accounts to a collections law firm which can sue over this. I want all XXXX accounts removed to my credit report due to fraud. I only received some documents after it sent to a collections law firm, this is not legal to do this per the attorney I spoke with. The set up of how Transworld fits into this equation is not clear because it states that XXXX XXXX XXXX owns this debt but why did not the owner notify anyone that they owned debt shortly after it was purchased, it shows to me that Transworld and XXXX XXXX XXXX wants to muddy the waters by not disclosing everything. Transworld claims they ca n't remove any credit reporting but XXXX XXXX XXXX should remove due to fraud. The paperwork shows XXXX XXXX XXXX, XXXX XXXX XXXX, and then XXXX XXXX XXXX therefore the loans went through several channels ; no way that XXXX XXXX XXXX owns this debt. I had a conversation with XXXX XXXX and they acknowledged that they owned for a short time. It is illegal to make anyone pay this loan because the loans went through several channels which makes proving that XXXX XXXX XXXX own the debt a problem plus Transworld did get into trouble for not sending the validation of debt before sending this debt to a collection law firm. The loans should be removed from my credit report completely because XXXX XXXX XXXX and Transworld just violated the FDCPA by sending the loans to a law firm to avoid sending a validation of debt.
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| 08/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) and University Accounting Service ( UAS ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate.
From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, UAS, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or UAS reported the delinquency to XXXX
On or about XX/XX/XXXX, I entered into a repayment plan with UAS, agreeing to pay {$55.00} per month on the loan. Neither XXXX nor UAS reported this agreement to XXXX
A few months after entering into the repayment agreement, UAS changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or UAS reported to XXXX that I had two delinquent accounts.
On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and UAS. They have informed me that they would " fix '' the situation. XXXX and/or UAS reported to XXXX that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half.
Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or UAS.
|
| 07/01/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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For the past couple of years I have been trying to negotiate with XXXX XXXX XXXX for a favorable payment. Due to extenuating circumstances and family commitments I am unable to afford my monthly assessed payment for the life of my loan. When I began experiencing financial difficulty I immediately reached out XXXX XXXX to get on favorable payment schedule to bring my account current. Sadly, I could not pay the monthly payment and past arrerages that brought me to this point. Needless to say I defaulted on my private student loans because XXXX was unwilling to provide any reasonable workout options to include a reduction in interest rate, late fees or principal reduction. My account with XXXX was recently transferred to Transworld Systems , Inc. collection agency who is demanding a payment of {$80000.00}. On XXXX XXXX, 2015 @ XXXX. I spoke to XXXX XXXX at ext. XXXX and XXXX XXXX XXXX, Operations Supervisor at Transworld Systems ; XXXX XXXX can be reached at ( XXXX ) XXXX. In speaking with XXXX XXXX he stated that XXXX will be willing to accept a lump sum payment of XXXX, when I asked if any other options were available he said that I could pay the interest but it would not affect the principal amount and when I asked if the a payment arrangement could be made for a debt settlement amount he stated that none were avaiIable at present. I asked for all of my payment options to be documented in writing and he said the only option that could be documented would be a pay-off amount of the $ XXXX. I am asking and praying that you would be to assist me in this very serious matter so I can get into positive pay for my private student loan so I do not have to file for bankruptcy.
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| 11/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I received a credit monitoring email alert that a collection was placed on my credit report by Transworld System Inc for the debtor XXXX. I never received ANY written notice about a debt owed to XXXX from Transworld System Inc. I never received a final bill from the debtor XXXX. I had no idea that I owed XXXX anything. After receiving the credit monitoring email alert about the collection being placed on my account, I called XXXX directly to confirm that I actually owed them. It turns out that I had a final balance that was due on an utility account I closed in XX/XX/XXXX. I told them I never received a final bill from them and had no idea that I owed this amount. XXXX confirmed that they had an incorrect address to send the final bill to. The address they had was the same as the service address. I never received an opportunity to see a final bill, review the final bill or dispute the final bill- for over 5 years. Transworld System Inc NEVER sent me any notice or bill in writing saying that this account was in collection - I never received any opportunity to pay for this account before they put it on my credit report as a collection. Had I known that I owed XXXX in XXXX I would have paid the account right away- but I never had that opportunity before they reported it as a collection. I've paid the account to XXXX- but it should have never been reported as a collection. I've asked Transworld System Inc. to remove the collection account because I was never given the opportunity to verify, confirm and pay the debt before it was reported as a collection. They have not removed the collection from my credit reports- they just updated it to show it was paid.
|
| 09/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I currently have XXXX Loans held by XXXX University and serviced by UAS. For the past three years, UAS has been erroneously reporting a default status to the NSLDS. Upon logging into their website as a borrower, it showed {$0.00} due as a payment and the account as being in repayment and current. They had their website coded on the front end so that I would see the loan as current and zero payments due, while at the same time sending opposite information to the NSLDS on the back-end that the loan was in default.
In summary, for a period of at least three years, UAS has been providing information to the borrower that stated the loan was in repayment, in good standing, and zero payment was due while at the same time, providing information to the NSLDS that the loan was in default, not in good standing, and past due. These damaging acts committed by UAS were confirmed and acknowledged in writing by XXXX University officials via emails that are attached to this complaint.
In addition, they have XXXX University listed as the lender. However, XXXX University has stated that they are not the lender but rather, the federal government is the lender, and they are just the servicer.
Furthermore, during this time, XXXX University and UAS had the option to voluntarily suspend interest and payments for XXXX Loans in alignment with the 0 % interest Covid-19 forbearance offered by the Department of Education . UAS and XXXX University chose not to do this and instead, UAS erroneously reported my loan as defaulted. In fact, as of today, it is still being reported as defaulted to the NSLDS because they have not updated their records yet since they will only do so at month-end.
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is a complaint regarding Transworld Systems Inc.
I received a call from a spoofed number ( trying to match my area code so that I would pick up ) on XX/XX/XXXXclaiming that I have an outstanding blance with XXXX XXXX XXXX in XXXX XXXX or XXXX XXXX. The claim, I believe was supposedly from an outstanding balance from XX/XX/XXXX
I had received a call previously around XX/XX/XXXX, but claiming that the balance went back further. Any money owed to XXXX XXXX XXXX had been paid in full at that time, and I told them that when they called me in XXXX. I no longer had my car as of XX/XX/XXXXand moved out of XXXX XXXX in XX/XX/XXXX, not having incurred any additional balance and not owing anything as I had paid up to date. I also had not been sent any notification of any past due balance in a long time even inXX/XX/XXXX. I explained all of this to the person who called me on XX/XX/XXXX, and asked for a call back from their Supervisor ( their Supervisor was allegedly not available ), and I never received a call back.
The only subsequent call that I received was one today,XX/XX/XXXX, that I initially missed. I tried calling back and reached another representative, with whom I confirmed the name of the company, who now claimed that the balance went back toXX/XX/XXXX. I tried explaining to the representative exactly what I stated above, and trying to add the fact that I had also never received any past due notifications in the mail between XXXX and the end of XXXX, but she refused to listen. I asked for a supervisor and she not only claimed that her supervisor was not available, but that the supervisor would say the exact same thing that she did ( which was nothing ).
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| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had several medical bills go into collections XXXX and XXXX of 2018. TransWorld Systems , Inc. sent communications to me advising I had an outstanding balance owned to XXXX XXXX totally approximately {$2600.00}. Upon receipt of their communications, I immediately contacted them and made arrangements to pay the debt over a period of time. They accepted the terms of the arrangements, set the payments up to automatically debt from my checking account and I didnt receive any further communications from them accept to when payment were due. They sent me a note reminding me the payments would be drafted and to make sure the funds were available. After approximately 6 months of making payments they reported the debts to all three credit bureaus as unpaid debts.
After some back and forth with the TransWorld and XXXX XXXX I learned TransWorld reported any unpaid debt after 90 days. At no time was I made aware that any portion of the unpaid balances would be reported to the credit bureaus. I was under the assumption that as long as I was paying on the accounts they would be considered current as TransWorld ceased all collections activity. It wasnt until after the accounts were reported to the credit bureaus that I was made aware of this important piece of information. I believe this is unfair collections practices. TransWorld should have clearly stated to me at time I made the payment arrangements that any unpaid balances would be reported after 90 days. I have since paid the full balance of the debts owed, {$2000.00}. I am currently disputing the accuracy of the collections matters reported to XXXX, XXXX and XXXX and have requested it be removed from my credit file.
|
| 05/21/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I was involved in an auto-accident in XXXX XXXX after being hit by another driver in traffic. As a result, I went to the hospital for XXXX immediately following the accident. At the time I was not covered by medical insurance so the policy I was under covered the bills plus sought reimbursement from the other driver 's insurance company. There was some confusion around this as the hospital and insurance companies failed to communicate with each other properly.
I have not heard from any parties re : this matter until 3 weeks ago when I received a notification on XXXX of my credit monitoring services that a debt collection agency had filed a collection account with all XXXX credit reporting bureaus. I had not received any mail, email, or phone call from this agency threatening such action and at the time, I had no idea what the debt was relating to. After sending a request for debt validation, they sent me a copy of the hospital invoice which states quite clearly " no response '' from insurance company.
I contacted XXXX ( my insurance at the time of the accident ) to find out what was the outcome of the claim. Their response ( which I have in email ) states that all debts had been paid to the hospital, but they had the case still open on their system because there may have been a double billing issue ).
I have already been penalized XXXX pts on my FICO score because of this matter which has caused me to cancel a consultation re : a personal loan for my wedding on XXXX XXXX, XXXX because of a significant hike in interest.
I will be informing said company in the coming days that they need to take immediate action to rectify the damages to my credit report.
|
| 06/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, XXXX XXXX XXXX. I did not open or authorize the accounts that you report a balance of {$1900.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
|
| 03/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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I have been receiving bills from both the XXXX XXXX XXXX XXXX and Transworld Systems Inc. regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt.
In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX.
I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.
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| 08/20/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Need information about my balance/terms
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Web |
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I took out federal and private loans while in school at XXXX University in XXXX XXXX SC ( XX/XX/XXXX-XX/XX/XXXX ) I consolidated and did a income based payment but this private student loan is in a total of about {$25000.00} which I took out with ACS. For the past 2 years I 've been managing my debt really well so I 'm always on top of what 's going on with my financials like whats in collections, trying to handle defaulted student loans one at a time and what I can and ca n't payoff because I 'm definitely not rich and the collection agency that I last spoke with a few months ago that my defaulted private student loan is with, wanted outrageous down payments and monthly payments. So today I checked my credit which I do about 2-3 times a month. Today I see my XXXX report went down XXXX points from 7 days ago when it was last updated. I checked to see what happened and it shows a collection company name TRANSWORLD SYSTEMS Inc claiming an unpaid educational debt of over {$35000.00}. It claims the debt first went delinquent XX/XX/XXXX. I have no knowledge of this debt or the amounts its claiming and I definitely did n't take out a student loan or any loan recently, especially for it to be delinquent as of XX/XX/XXXX. I researched the name of TRANSWORLD SYSTEMS Inc and got discouraged because everyone is saying it 's a scam. Please help me out, I have no idea what to do and I really want to put this private loan behind me. Working with collection agencies are nothing like working with the original lender like the US Dept of Ed. Attached is what I see when I check my credit. Again I have no idea what this debt that TRANSWORLD SYSTEMS Inc has on my credit report.
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| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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TSI-Transworld Systems Inc XXXX
This collection agency took the debt over of my XXXX XXXX XXXX. On XX/XX/XXXX, I rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for 23 months which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from XXXX XXXX XXXX, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the XXXX XXXX account and started noticing discrepancies b/w the XXXX XXXX monthly statement and the TSI monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the 23-month payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the XXXX XXXX XXXX had different amount owned than the statement from TSI. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX XXXX XXXX XXXX statement reports the debt as {$3400.00} and TSI statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.
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| 08/22/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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If I recall in either late XXXX or XX/XX/2020 XXXX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with XXXX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving SSI. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on XXXX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional XXXX minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? Thank you.
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| 06/06/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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XXXX XXXX XXXX attorney continued to proceed with a collection lawsuit after defendant attorney notified them of bankruptcy filing.
School : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX ( now closed ) Private student loan owned by XXXX XXXX XXXX in collections.
Attorneys representing XXXX. XXXX XXXX and XXXX ( XXXX ) & XXXX XXXX ( XXXX XXXX ) XXXX Filed a complaint ( wrong venue ) in XXXX XXXX XXXX Circuit Court XXXX XXXX at a former address I had not lived in in almost three years. Lived in XXXX XXXX 2 years after then reloca ted to XXXX. Alleged Debt was incurred in XXXX County XXXX, not in XXXX County XXXX
Issues:1. XXXX willfully initiated a collecton lawsuit in a county of non residence of defendant, and in the wrong county where the alleged debt was incurred. XXXX willfully served the defendant at an older address in hopes the defendant would not find out about the lawsuit and obtain a judgement without the defendants knowledge.
2. Defendant filed for bankruptcy protection days prior to the motions hearing. Both the XXXX County Circuit Court and plaintiff attorney were notified prior to hearings about the bankruptcy filing and all collection activity must stop.
3. XXXX attorney still went forward after notification to obtain a judgement ruling after being notified. The defendant showed up at the hearing and presented the notice with bbankruptcy attorneys letterhead to the judge presiding over the case on Friday XXXX XXXX XXXX. The Judge ordered a XXXX monthccontinuance upon verification of my bankruptcy case. The plaintiff attorney was given a copy of the letter from my bankruptcy attorney advising of the filing prior to the motions hearing.
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| 03/29/2016 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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On XXXX XXXX, 2016 at XXXX XXXX, I received a call from ( XXXX ) XXXX. The caller was female and stated she was with Transworld Systems and asked me to verify my identity ( last XXXX of my social and/or birth date ) before she could disclose why she was calling. I told her that seemed fishy and I would not give any identifying information without knowing why they were calling. She refused to give more information and said they would contact me by mail. I conducted a reverse lookup on the phone number and it returned to an individual located in XXXX, TX, not any company.
Today, XXXX XXXX, 2016 I got a call from ( XXXX ) XXXX. I have had repeated calls from this number and no one ever answers on the other end. I had a call from this number on XXXX XXXX at XXXX, on XXXX XXXX at XXXX, and today at XXXX. I chose to call the number back to ask to be removed from their call list. The person answered as " Transworld Systems '' and asked who I was. I gave only my first name and told them I wanted my number removed from their list. She asked if I was ( my first and last name ) and I said yes, then she said they had been trying to reach me. I told her that I had already spoken to someone and they refused to tell me why they were calling. I also told her that I have no outstanding debts and that there was no other reason for them to be contacting me. I asked to speak with a supervisor to be removed from their call list. She never offered to transfer me to a supervisor, but confirmed my telephone number and said I had been removed from their call list. When I looked up this phone number, it did not come back to a company, but showed up on a list of possible scams.
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| 07/18/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Transworld system XXXX has accessed my credit report without proper notice and or cause. I have never done business with them and have asked for validation, verification and signed contracts none of which has been provided to date. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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| 10/16/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Transworld Systems Inc. sent a letter to my address on XX/XX/2022. I received the letter on XX/XX/2022.
TSI called me on Thursday, XX/XX/2022, to inform me that they would be garnishing my wages if I did not pay this debt in full. They informed me that the debt was to the Department of the Treasury. When I inquired the nature of the debt to the Department of the Treasury, they did not elaborate other than to inform me that non-payment would result in serious consequences such as wage garnishment. They informed me that they would do this in XXXX. This is confirmed on the letter that I received the next day. I asked repeatedly for an itemized list of the debt, the nature of the debt, the interest, fees, services, goods, materials, and/or any item that would help me identify which department in the government I owed that eventually made it to the Department of the Treasury. I requested any information for what I was being charged. They could not provide any additional information. I informed them that the Department of Veteran 's Affairs typically charges me throughout the year for medical services and they take it from my tax refund, which I was fully aware and willing to accept. However, the representative only repeated that they would be garnishing my wages. I again asked, what items will my wages be garnished to pay as a debt. They again could not answer. Their letter states that I have until XX/XX/2022 to dispute the debt or they will garnish my wages to pay the debt. My rights are being violated by Transworld Systems Inc. that has no respect for veterans and should not be allowed to collect debts for the Department of the Treasury in any regard.
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| 02/20/2021 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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On XX/XX/XXXX, I refinanced my University Accounting Services ( UAS ) loans with a different servicer/lender ( XXXX ). On XX/XX/XXXX, I received notice from my new servicer ( XXXX ) that a payoff was sent to UAS. On XX/XX/XXXX payments were applied to my UAS account from this payoff. A total of {$66000.00} was applied in payments. However, my loan refinance that should have been applied and sent by XXXX to UAS is in the amount of {$83000.00}. To this date, XX/XX/XXXX, the correct amount has not been applied by UAS. I contacted UAS regarding this issue on XX/XX/XXXX. I was told by the UAS customer service representative that the check number and/or a copy of the check that XXXX sent to UAS would be the necessary information in order to ensure that the full loan payoff amount is applied to my UAS account. On XX/XX/XXXX, I sent a copy of the requested check, which was a XXXX XXXX, to a UAS customer service representative who then forwarded it to the appropriate accounting services department. On this date, XXXX was able to confirm that the check had been cashed on XX/XX/XXXX. On XX/XX/XXXX, I followed up with an e-mail requesting to know the status of the resolution to this issue. On XX/XX/XXXX, I received a response from UAS stating that a payment research request was sent to the accounting team. On XX/XX/XXXX, I again sent an e mail requesting to know the status of this issue and was on XX/XX/XXXX that customer service still had not heard back from the accounting team. On XX/XX/XXXX I sent another e-mail inquiring about a resolution to my problem and was told that same day in an e-mail response that they had still not heard from the accounting team.
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| 09/18/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I ordered somethings from abroad and they were delivered by XXXX. Later they sent a letter saying that i had to pay a duty of {$20.00}. As i was abroad, i returned and sent them a check already on XX/XX/XXXX ( Using first class mail ). Later I saw that, on XX/XX/XXXX, they cashed my check so I was quite.
Last Friday, XX/XX/XXXX, I received a letter from " Transworld Systems Inc '', says My Original Invoice was {$20.00} with a collection fee of {$2.00}, comes to a total of {$23.00} and that they are collecting on behalf of XXXX. As it was the weekend, I could n't call anyone to verify it. So i waited till Monday XX/XX/XXXX. I was about to check their website listed on the letter www.transworldpayments.com and saw that it was a fake website which was down. Later, I called XXXX and someone picked up and asked me for the File number ( XXXX ) and I gave it to her. Later she says I own them {$23.00} on behalf of XXXX and they are trying to collect. Her accent was clear that she was not from US so I asked, where is your office located so that i could XXXX, she is saying, in her exact words " Sorry, You ca n't ask our office address ''. When i asked why, she replied " Because I am a US Legal Citizen. '' Then I said I was asking for the address of her office, she said No she will not disclose it. When I asked to talk to a supervisor, she said, " you are wasting my time and hung up ''.
Then immediately I called XXXX and asked them about my file ( Invoice No XXXX ) and they said that MY ACCOUNT WAS PAID IN FULL and I do n't owe them anything and they are NOT trying to collect anything. I was to have this on the record before they try to damage my credit.
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| 08/10/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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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.
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| 02/24/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a bill from XXXX XXXX from an appointment with my doctor. Service date was XX/XX/XXXXXXXX XXXX and amount was {$300.00}. I paid this bill in full in person at the doctor 's office on XX/XX/XXXXXXXX XXXX with my credit card and received a paper receipt from the front office person who processed the payment.
In XX/XX/XXXXXXXX XXXX I was contacted by XXXX ( debt collector ) and was informed that this bill was sent to collection by the hospital as they thought I haven't made the payment. My credit score was also affected at that time from this illegitimate charge. On XX/XX/XXXXXXXX XXXX XXXX XXXX made several calls to XXXX and XXXX XXXX to dispute the charge and try to resolve the issue. I was told by both XXXX and XXXX to fax them proof of payment. I faxed both of them the receipt and my credit card statement on that same day XX/XX/XXXXXXXX. I never heard back from either of them if anything else was needed.
Today XX/XX/XXXX I received a call from another debt collector, TSI, and they informed me that XXXX had sent this same bill to collection once again. I informed TSI over the phone that this amount was already paid in XXXX XXXX TSI told me to fax them proof of payment and that this will be communicated to XXXX. Again, I faxed TSI the receipt and credit card statement on the same day XX/XX/XXXX and have not yet heard back from TSI or XXXX XXXX so far. This is an unacceptable business practice resulting from XXXX XXXX inability to verify a legitimate payment that was made directly at their own facility. This is causing me unnecessary stress and I shouldnt have to spend my own time and resources to try to fix someone elses mistakes.
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| 09/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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In XX/XX/2020 I spoke to a representative with Transworld Systems Inc. ( TSI ) which stated there was an attempt to collect a debt in the amount of {$2900.00} from XXXX XXXX. He offered a settlement and stated it would not be reported to the credit bureaus if fulfilled within that time frame. The Representative came up with a payment plan of a {$250.00} down payment followed by 10 payments every week of {$180.00} that would cover the debt which I agreed to. An email was sent to me confirming what we had spoke about. After paying my last payment ( XX/XX/2020 ) I called TSI to confirm that there were no outstanding balances. The representative I spoke with on this day told me I was good to go. Within the next couple days after checking the XXXX XXXX app on my phone, I got a notification that I had my first derogatory mark on my credit report which dropped my credit 23 points. This derogatory mark stated that I still have a remaining balance of {$830.00}. I called TSI immediately inquiring on why this is. They said that I still owe {$100.00}. I feel this is fraudulent considering we agreed upon an amount and payment plan, I fulfilled the agreement and now they are saying I owe more money. These conversations were all on recorded lines and should be reviewed for accuracy. After multiple phone calls they are refusing to work with me and verify the actual agreement. This is very upsetting because Ive been trying to repair my credit and take care of my obligations only to be slapped in the face with this. It would be greatly appreciated if you could investigate this matter so I can have this removed from my report as soon as possible. Thank you!
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| 02/14/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX XXXX with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/2019, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. It has been over 21 since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
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| 04/11/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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When I was taking out this loan at XXXX XXXX XXXX my financial aid advisor at XXXX XXXX, I was told that I will not pay any loan until when I completed the program and 6 months after completion. I began to see a notification from XXXX XXXX XXXX to pay XXXX monthly, between XX/XX/XXXX, I have made multiple attempts to pay the XXXX and this payment was not accepted there was enough money on the card. I used a different card to make pay and multiple attempts no money was taken, I called the loan company and advise on the situation. I had the XXXX XXXX, I wasn't able to go to a store, and my family after the other was affected. The agent XXXX XXXX XXXX attempted to take money from the card which presented the said issues. I had received a new card which I called the XXXX XXXX XXXX company to take the payment, the agent did an auto payment for me and assured me that the payment went through but all that time I realized that for those months no funs was taken out my account. By the time I was notified by the financial aid advisor is was late for me my account was in collections agency ( XXXX ), which never sent me a notice or a phone call about this account. I had not received any calls or notice of this collection. I was told later that I was 5 months behind XXXX of XXXX, I reached out to the collection agency only to find out that I owed XXXX. Now I am facing financial hardship and unable to make that kind of payment, which affect me to complete my degree. It is a very distressful to know that I tried to pay that fee and It was taken out my account now of 5 months missed payment It increased so fast to XXXX, which I'm so stress and confuse.
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| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Older American |
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- XX/XX/XXXX : I rented a car from XXXX in XXXX who was almost 2 hours late in supplying me a car at the pickup time specified on the original reservation. The result was a wasted business trip where I missed 2 of 3 of my meetings and was unable to join two conference calls. I was charged {$59.00} for the botched rental and tried to work with the merchant but they were uncooperative.
- XX/XX/XXXX : I logged a dispute on my credit card. XXXX never responded and hence I won the dispute.
- XX/XX/XXXX : I had a car reservation at XXXX ( who owns XXXX ) in XXXX XXXX and denied exit from the lot due to the {$59.00} they believed I still owed. At their customer service desk I was advised to contact their XXXX department who in turn transferred me to Transworld Systems Inc ( TSI ) who informed me I could not rent the car until I paid {$59.00}. I advised them this was an invalid debt and nor did I ever receive a 30-day validation letter mandated by the FDCPA. They told me they did not have to send one and without a payment I would not be able to rent from XXXX. Given I was stuck in their lot and behind almost 2 hours in getting to my destination, I charged the {$59.00} on my credit card and advised them I would dispute the payment on the invalid debt and report the FDCPA violations to the CFPB.
XX/XX/XXXX : The {$59.00} charge was placed into dispute and TSI was contacted by my credit card bank on XX/XX/XXXX. In the meantime TSI continuously calls me without leaving a message which would be a UDAAP violation XX/XX/XXXX : As of this date TSI has not responded to the dispute and must do so by XX/XX/XXXX in accordance with Visa chargeback rules.
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| 09/22/2017 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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I have been working with XXXX XXXX XXXX 's collection agency Transworld Systems Inc, and through my bankruptcy XXXX and Transworld agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and Transworld lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with Transworld Systems. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. XXXX has never answered the complaint or contacted me. XXXX has disappeared and seems to not be honoring the agreement. I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. My income can not support these payments. I have filed multiple complaints and I need XXXX and Transworld to respond NOT XXXX. They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.
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| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a membership contract with XXXX XXXXXXXX, and before signing up with the sales person, I had mentioned that I had just gotten out of XXXX XXXX from previous injuries, so if anything were to happen, if I could cancel my membership on the spot. He said as long as I have a doctors note, I can cancel right away it without any hidden fees.
I had gotten injured not too long ago from my work, which my doctor had written a note saying that I can no longer box anymore. I went to cancel my membership but they still insist on charging me for another 2 months, as the lady told me just come in and watch at least because you cant cancel your membership right away. They even have on record for the times Ive clocked in, and Ive only been there about 7 times since XXXX due to my injury. They wouldnt pause my membership either as they said I had to pay {$10.00} every week if I did so.
Ive even filed a dispute with my bank, and they sided with me after I told them what was going on. The bank had refund me for the months they had charged me, but XXXX XXXX add the disputed amounts back to my bills saying that I owed them back. I called the payment collectors ( the number that was given to me if I had any questions regarding the bill ) and told them my situation. They said if it had gotten disputed, then it shouldve been resolved already and that I wouldnt have to worry about any debt collections, and that my contract shouldve been taken care of.
Now, I had just received a letter from Transworld Systems Inc., an attempt to collect a debt from a debt collector. Im not sure what to do at this point because I feel like Im being scammed by XXXX XXXX
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Good day. After receiving several pieces of correspondence and having my credit report damaged with what I know to be inaccurate information, I called XXXX XXXX to pay the debt listed on my credit report. The original debtor is listed as XXXX XXXX. I called XXXX and they could find no old, outstanding bills of mine. I disputed this account once last year and it was removed and then reappeared. I then disputed twice and lost both disputes.
Today, XX/XX/XXXX, I called the collection agency to pay and they indicated that unless I state verbally that I no longer dispute the account, they could not accept my payment! I refused to state what I dont agree with, yet I was willing to pay the {$130.00} debt. The call with a manager, XXXX XXXX ( not sure of spelling ), was a mentally draining and demeaning experience because he wanted me to say that I no longer dispute the account and if not, they could not take my payment. I advised him that I would not dispute the account any longer with the bureaus or CFPB but that I personally do not agree. I just want the account information updated and removed from my file after I pay.
XXXX became dismissive and unhelpful, so my only recourse is to contact you. This company wants to control how a person thinks even if theyre willing to pay. If CFPB can do nothing to help me, this will have to remain, unfairly, on my credit report. Ive worked very hard to improve my credit over the years and this is a blemish that has reduced my score and gives an unfavorable view to lenders and now my payment is being rejected because I wont say what the debt collector wants to hear. Please help.
Sincerely, XXXX XXXX
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX I took a federal Perkins loan from the XXXX XXXX XXXX XXXX of {$1300.00}. I graduated in XXXX of XXXX and because of the events that followed in XXXX ( COVID-19, lay-offs, etc ). I was under the impression that this FEDERAL loan was also deferred with my other loans. In XX/XX/XXXX I received a letter about repayment and being late although I had no prior notification. By then I was {$240.00} behind and because I was still not back at work full time due to the pandemic, I had to split the payments through XX/XX/XXXX to be able to catch up. Starting in XX/XX/XXXX I have had auto payment set up with UAS. On XX/XX/XXXX I made a dispute with XXXX when I saw my credit score drop XXXX points and it was because it kept showing I wasn't making payments or was late and the balance was still high although I checked my UAS account at the time as well as my bank account to show I was up to date. The case was resolved until XX/XX/XXXX when I received a notification that my dispute was reopened ( NOT BY ME ) and that the agency finally updated them. I contacted the university and they also stated that other students have had the same issue with thinking that the federal perkins loan was part of the federal deferment of student loans when COVID-19 hit and stated there was no assistance due to the pandemic either. They also said they had my wrong email and mailing address which is why I never received notification of when I was supposed to be making repayment and so on my credit report it just seems like I was late for 6 months ( XXXX XXXX ) for no reason. They updated my information on XX/XX/XXXX and was told nothing else could be done.
|
| 09/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I ordered a pair of sunglasses from XXXX which is a website/store out of XXXX. I paid for the glasses along with the shipping and fees at time of purchase ( shipping was {$0.00} which is stated on the order receipt that I attached below ).
I now received a notice that I owe XXXX {$28.00} for Shipping ( now {$32.00} due to interest ).
I believe that XXXX would owe this debt because as you can see on the attached document of my receipt, it says {$0.00} for shipping and there is a statement underneath the order that says if I am charged by customs for shipping that they will refund me 100 % ( that is implying that that should not happen but just in case it does ... ). Also, as you can see at the bottom of the email communication that i attached, I can not get a hold of them because the email gets rejected.
As you can see in the attached, I have countless emails ( and lots of stress ) with this company because they sent me a NON-polarized sunglasses when I ordered a Polarized pair. They kept denying that I bought Polarized ones even though I sent them 'screenshots ' of my receipt that said " POLARIZED '' right in the description. I also sent them pics of their live website that reflected the same info. As you can see, they finally realize they were wrong and sent me Polarized lenses to replace in my frames. And now after all that stress I am left with this Shipping issue that is their responsibility because they would 've needed to tell me that I would owe {$28.00} and have to XXXX them for the refund. Their website should 've stated that I WILL get charged by customs and will need to get a refund ( but nothing works that way ).
|
| 07/27/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Called into Transworld Systems Inc and Spoke to a woman agent on XX/XX/XXXX @ XXXX for 5mins and 20 seconds because I received a letter stating that I owe {$730.00} in unpaid toll on license plate number XXXX. I gave her my account # listed on the document. She said this debt was from XXXX. I explained to her that that is impossible because I just received a letter stating that I owe a balance of {$350.00} almost a month ago.Then she stated i actually owe a total of {$2300.00} from XXXX XXXX in unpaid toll from 1 year ago starting from last XX/XX/XXXX to now. I told her that was impossible. I asked her what was the license plate numbers she read of XXXX and XXXX. Now I'm assuming that {$1500.00} is unpaid tolls for XXXX. I stated again that is impossible. I am confused is this from XXXX or XX/XX/XXXX. She said both. I asked her Can you please give me the total amount due on plate number XXXX. She said she could not provide me with that. I asked her could she send me photos with dates and times and shots of the plates, she said she could not. Go on the website and find the information, which I was unable to do so because the violation number was inaccurate for the XXXX plate and it would not come up without the violation information. I stated to her, you do know we are on a recorded line and I am asking you for a total to make a payment and you are denying me and referring me to a website. I do not feel comfortable or confident that the information provided from that company is correct. Please help me. I am not working now and I do not want to be ripped off giving the little money I have now. I just want clear concise information.
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I was informed by an agent by the name of XXXX XXXX with XXXX that in order to overturn a denial to my application for a lease on an apartment that was already approved, when my wife applied alone because their application didnt originally let me be added as her spouse, that i needed to pay an outstanding debt of {$150.00} to a debt collection company called TSI . She gave me the number in a text message as followed, Okay so from what the billing department stated was this : Please have them contact TSI at XXXX to pay the {$150.00} balance due on that account. Once this is paid, please email over the proof that the balance is paid in full and once received then I can get the approval to overturn the denial. so I called TSI and this debt is no longer active and closed and has no balance because it was a debt discharged with my bankruptcy in XX/XX/2016. The original debt was with an apartment community named XXXX in XXXX Texas and then sold to TSI in XX/XX/2016. Nonetheless, XXXX is stating they need some form of documentation from TSI that the balance was paid or at XXXX in which I asked TSI for but they are stating they can only fax such letter and it will take 3 days. This is an issue for me because this to begin with should not be reported by the consumer reporting company the leasing desk/real page, secondly Im being told to pay a debt I am not longer liable for because it was included in my bankruptcy. This is hindering from moving in to my apartment but its not even something I owe to begin with. So the leasing desk is repeating wrong and XXXX is reporting wrong and XXXX is showing wrong that I still owe something I dont.
|
| 02/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
I was involved in a car accident in XXXX XXXX. I ran into a NJ XXXX. I was not a resident of NJ. I attempted to get NJ driver 's license years later and they informed me of surcharges that I owe ( in excess of XXXX ). I filed for bankruptcy and my debts were discharged in XXXX XXXX. I was told that my debt was not discharged as it was a court judgment. I was directed to contact a third party collection agency. I was told that a {$7000.00} judgment was now XXXX, I paid a down payment of XXXX and agreed to pay XXXX p/m. I am on social security XXXX and I have a representative payee. She gives me her card to deduct the rent each month. Transworld Systems Inc is the name of the third party collection agency. They would not allow any other method of payment than direct deposit from your bank account. I gave them my Personal Reps ' debit card information. They attempted to collect from her account. The collection was granted 2 times and never since. ( they have been declined for 12 months and never said a word to me ). Transworld Systems Inc notified XXXX that I was in default and my driver 's license as well as my registration privileges are now suspended ; furthermore I learned that my social security benefits are exempt from collection methods.The company fails to report to XXXX that they are error and in violation of FDCA. My license and registration remain suspended.To this date I have not received XXXX document from them except the notices that they send each month for the past 12 months telling me that they are receiving the funds and to direct me to make sure the funds are available.
The last notice I received was XXXX XXXX.
|
| 10/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Transworld systems started calling me a few months ago. They never sent me any break down for the bill, so i asked them to cease and desist and not to contact me anymore. They continued to call me, and i ignored it at first. They were calling me incessantly. They have been calling recently for the last two weeks, and then they called me again last night. i told them they are in direct violation of my rights as i have already requested that they cease and desist. The guy mumbled into the phone, and then hung up on me. It made me super uncomfortable getting a weird call like that when im at home alone at night. Especially because this company is trying to use fake local numbers to get people to answer. This morning, they used the SAME spoofed local number to contact me AGAIN, right after i had just told them last night to cease and desist! I told the woman that last night i had requested again that they cease and desist, and i informed her that not only are they contacting me after i told them to cease and desist, but that they also contacted me at night which is SO inappropriate. I also informed her that this is now multiple times of me telling them to cease and desist. She tried to interrupt me while i was telling her how many times ive asked to cease and desist, but i repeated myself three more times, so that she heard very clearly that i was asking them to cease and desist. She hung up after that. I dont know whats going on with debt collectors these days, but the amount of rights that they violate because they are hiring untrained people who dont know basic FDCPA rules, are resulting in them violating my very basic rights.
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/2023 I was notified by XXXX XXXX that my credit score had changed. When I logged in to view it I noticed it had dropped 60+ points. Confused I started to look at why it had dropped and noticed I had 1 derogatory mark on my XXXX and 2 on my XXXX. Looking at those they are 2 separate collection companies, Transworld Systems and XXXX XXXX, looking for debt payment. The original debt owner is XXXX XXXX... I have never had an account with XXXX XXXX. One amount is for {$540.00} and the other amount is for {$360.00}. I called XXXX to ask how this happened and was told they had 3 total accounts under my social security number but not all with my name and all 3 were in cities I have never lived in. I have filed a police report ( # XXXX ) and XXXX has started a fraud investigation. I also put a freeze on my XXXX, XXXX, and XXXX accounts.
As a result of this my husband, XXXX XXXX, checked his credit report and has 7 reported debt collections from Transworld Systems, XXXX XXXX, and XXXX XXXX with the original debt owner being XXXX XXXX. The amounts on his credit report are : {$500.00}, {$570.00}, {$600.00}, {$910.00}, {$150.00}, {$700.00}, and {$370.00}. I called the police and they said we can use the same police report ( XXXX XXXX ) since our issues are with the same company. After that I called XXXX to see how many actual accounts they had under his social security number and they told me they had 60 accounts all in cities he has never lived in. They have started their fraud investigation and told me I should go to the FTC to file a report which sent me here. We have also put freezes on his XXXX, XXXX, and XXXX accounts.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.
Name, address, and telephone number of each person contacted regarding this alleged account.
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.
Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear CFPB Headquarters.
XXXX XXXX has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system.
I XXXX XXXX am the victim of Identity Theft with documents dating back years.
XXXX XXXX is reporting a Fraudulent in my name.
I have disputed this multiples times with XXXX XXXX. Three times through the CFPB.
Each time XXXX XXXX 's staff said they would later reach out to myself for more information.
Each time was a lie to wait out the complaint against them.
They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.
Their only statement has been that two payments were made to the card from a XXXX XXXX Account. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of. In addition, the CFPB has been allowing this to continue as I have
read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further neglect from the CFPB concerning XXXX XXXX 'XXXX abuse may result in us filing a case against the CFPB.
|
| 04/24/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
This loan was sent to a company called XXXX XXXXXXXX XXXX XXXX XXXX for payment handling in approximately late XXXX or the beginning of XXXX. At that time, my automatic payment option was discontinued without any notice to me.
I received a bill from the company in XX/XX/XXXX, and paid this amount in full. On XX/XX/XXXX, I received a Notice of Past Due Account advising that my student loan payment had not been received and that I owed them {$53.00}.
When I called the company, I spoke with an employee named XXXX XXXX. He advised he had looked at the records and confirmed it was their error and I owed them nothing.
However, by the time I reached the office, I had an email from him indicating that I owed {$55.00}. I was not provided with any documentation showing why I supposedly owed {$55.00}.
When questioned further, he sent over statements from XXXX and XXXX that I had never received. The XXXX statement he sent indicated that I owed {$53.00}, not {$53.00} and not {$55.00}.
Further, the XXXX statement I had received at my house showed I owed XXXX cents. When I called the company upon receipt of that invoice, they advised this was in error and would be taken care of.
I have now been told twice that the bill was sent to me in error and I owe nothing.
In the alternative, I have been told that I owe : XXXX cents {$53.00} {$53.00} {$55.00} All except the XXXX cents took place within the last twenty-four hours.
I have complained to the company and asked for documentation. I have been told ( yet again ) that they've made a mistake, but I have received no documents supporting their most recent claim that I owe {$55.00}.
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
TRANSWORLD SYSTEMS INC contacted me trying to collect debt on the behalf of a XXXX XXXX account.
Upon, further research, this account was transferred/sold and I am no longer responsible for the account.
Also, Ive sent out a letter to TRANSWORLD SYSTEMS INC on XX/XX/2020 with the address listed on their website at XXXX : XXXX and the address is expired and Im unable to contact them by mail. They made an attempt to call me to try to collect payment & mentioned that this call is recorded and not to validate your debt if they can not validate it. So why is this company asking for payment?
I informed them that I prefer you not to communicate by phone and I prefer to communicate by mail and she told me they do not accept mail and will reach out to the original creditor and tell them I refuse to pay the debt. How can they not accept mail but have a P.O BOX address on their website claiming it's their address? I did not say anything about refusing to pay the debt or even admitting to this being my debt as they cant validate it because they don't have a proper structure way of receiving mail. All I said was I prefer to communicate by mail, so they are falsely accusing me as well.
If they are a legit company, they need to validate the debt because their address listed on their website is invalid and I can not contact them by mail.
Is this company seriously calling people trying to collect payment without any proof of this debt without being validated?
According to the FCRA, TRANSWORLD SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from my credit report.
|
| 07/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hello, On XXXX of XXXX my wife and I contacted the actual company to see if we owed anything and if there was an amount left we were going to get on a payment plan. When calling XXXX and XXXX PA, they said they could not find an account under my name or social security number. It was like I never existed. The attorney I had once worked with in that firm, I was told, no longer works for them anymore. So we asked to be connected to the their collections department even though they were not showing to have an account with them or in collections. When speaking with their collections department ( Transworld Systems ), the same thing took place. They could not find anything anywhere under my name or social security number. So we said everything must be all clear because they were unable to validate it anywhere. Months later in XXXX my wife receives a call from Transworld Systems Inc. that there is a balance of over {$4200.00}. We were so confused because we tried so hard to make sure nothing would end up in collection to harm our credit. That is exactly what happened anyways. This has been haunting my credit ever since and my wife and I are trying to use my VA loan to get a home. I am working with someone in credit repair and I am trying really hard to have this taken off my credit report. The current amount that is showing, that I am aware of, is {$4000.00}. I talked to numerous people at XXXX XXXX XXXX, XXXX and there was nothing that I owed. Covered myself and even called collections to make sure I had nothing, and they had no account for me ... .I do not owe this debt and they can not validate that I owe this debt.
|
| 05/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
First of all I am not sure if this is identity theft of just a debt that is not mine. I received a transmittal fro m Transworld Systems Inc. date d XXXX / XXXX / 17 for XXXX from a client named XXXX XXXX XXXX XXXX XXXX in XXXX ME. I called transworld on XXXX / XXXX / 17 and was advised to contact XXXX directly. I called XXXX on XXXX and spoke to XXXX at XXXX and she informed me that the identity did not match and that she would n otify Transworld . I received a letter from Transworld on XXXX / XXXX / 17 stating that they would like to apologize for sent me a collection letter in error.and to be assured that this had been corrected. Today XXXX I received a letter from XXXX XXXX XXXX XXXX in XXXX ME with the same account number but for XXXX ! I called XXXX XXXX and they said we did not send the letter, Transworld did. I then called Transworld and we went round and round again and they denied sending a letter saying that it wa s an error and could not explain both the difference in the amount owed and also the difference in the original biller. I spoke to XXXX the first time and he hung up on me then I called back and got XXXX again and asked for a manager XXXX and she could not make any sense out of it other than to blame the original billers!! XXXX XXXX also denied me having a bill for XXXX . This has been happening to me over the last year and not just medical bills but also credit card bills. Several charges appeared on my credit cards that I did not make. I am so not sure what to do about this problem. The account number with Transworld is XXXX
|
| 01/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I have received a request for payment from Transworld Systems Inc. for a {$690.00} debt alleged by XXXX XXXX but it appears to the be same amount as the disputed amount from a different individual that was rejected for failure to meet minimum care standards. The alleged debt does not state the date of alleged service, the billing codes applicable, and provides no evidence that Transworld Systems purchased the alleged debt from XXXX XXXX. The alleged debt does not state how much Transworld Systems would be paid for collecting the alleged debt, which could be used to discount an old alleged debt. I have never solicited business from Transworld Systems, and I know they are shady debt collectors with a long history of abuses as documented by the thousands of complaints in the databases of Colorado and Federal governments. XXXX XXXX is not listed in the local phone directory and does not show in the local XXXX and XXXX approved providers.
At the minimum, Transworld Systems should be required to provide the actual name of the provider they claim to represent, the actual billing codes involved so that any alleged billing can be compared to that billed, the actual dates involved, the actual location where such alleged billing was incurred, and provide any payments already paid as per XXXX and supplemental insurance.
Additionally, I am XXXX and I do not use the phone. I will not use XXXX XXXX friends to address this issue as it is the responsibility of Transworld Systems to address disabilities per the Americans with Disabilities Act, and this is evidence of non-compliance by an abusive and vulgar organization.
|
| 04/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
This complaint is regarding the XXXX XXXX, and is serviced by UAS XXXX.
I have been a XXXX XXXX XXXX XXXX XXXX forgiveness program since XXXX, and had received two years of partial loan cancellation through this program for XXXX and XXXX. Since loans were paused during the pandemic, I waited to apply for my last three years of forgiveness until I was advised by UAS to do so this XXXX. My application for the final three years of teacher loan forgiveness was denied. However, the conditions of my employment as an educator have remained unaltered since I began working with XXXX more than four years ago when I first applied and was accepted for cancellation.
This suggests that UAS has changed their express terms and conditions pertaining to the loan forgiveness program. However, I was not put on any reasonable notice of a change in the material terms of the agreement, and the acceptance of my application for multiple years established a reasonable expectation that I would continue to qualify so long as the nature and terms of my employment remained the same. I relied on these reasonable expectations that UAS established through past performance in my financial and career planning decisions.
This situation has deeply affected my mental/emotional health, and I'm not sure what my next steps should be. UAS has also been requesting payments during the pause in federal loan payments, and it is affecting my credit score which will likely disqualify me from a mortgage. I have already submitted a complaint with the company and on studentaid.gov, both of whom will not take any action.
Thank you so much for your time.
|
| 04/03/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Transworld Systems Inc dated XX/XX/2019 concerning a balance owing with XXXX XXXX XXXX .
This debt was previously placed with XXXX and I never received any notification that XXXX is no longer servicing the account. I have tried to reach out to XXXX and they are no longer taking calls.
On XX/XX/2019 I spoke with XXXX XXXX with Transworld and after all disclosures I told him that I wanted to start making payments but would need some written documentation confirming that they are in fact the servicer of the loan, that the account is no longer placed with XXXX and that XXXX XXXX has given them permission to service the loan.
My request was met with significant pushback from Mr. XXXX. He told me that the letter I received - the Dunning letter - was verification enough and that I should call XXXX XXXX. I explained to him that I am well aware of my rights and I am entitled to have this debt verified and have proof that they have authority to service this debt. XXXX started to interrupt me as I was talking and told me that he is in the position to know far more about what his job is than me. I told him that I don't appreciate his tone or that he is being argumentative with is request and asked to speak with his manager. I was told that that the manager - XXXX XXXX is unavailable.
My complaint is two fold, the abusive and argumentative nature of Mr. XXXX is unacceptable. I have a debt, but I am still human and should be treated as such. Second, receiving push back for requesting proof that Transworld has authority to service the debt from XXXX XXXX is in direct violation of the FDCPA.
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Around XXXXXXXX, I became aware of a account that was Fraudulently opened with XXXX XXXX via my credit report for a collection from Transworld Systems for the amount of {$340.00} I have called XXXX XXXX many times, and followed all instructions they have given me to get this debt collection removed. This month i was finally able to speak to a general customer service rep who informed me of all the details of the fraudulent account. See details of this fraudulent account below : - Fraudulent account # XXXX - Fraudulent Address : XXXX XXXX XXXX, XXXX Tx XXXX The main & only avenue they provided me to adress this was to email XXXX and provide them with the following : - Copies of two ( 2 ) types of utility bills or formal correspondence such as tax, employment or school documents in your name from different vendors/providers as proof of residency during the service dates under investigation - A notarized ID Theft Affidavit ( stating you are willing to press charges if necessary ) Copy of a full Police Report ( Please note that a report number will not be sufficient. We need a complete copy, obtained from the police department. ) - A legible copy of your Social Security Card - A valid government-issued photo identification card ( for example, your driver 's license, state-issued ID card or a passport ) I have done all those things, and have called back to their fraud department XXXX ... i have not received a response by email or not have been able to reach anyone at his point.
I did not open any account with XXXX XXXX & feel at this point i am not getting any help to remove this fraud from my credit reports.
|
| 12/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Just following the links online and following recommendations. I received a call yesterday from XXXX. Caller Id indicated it was Transworld System Inc. They said an account was sent to collection on my name. I happen to have excellent credit so I didn't understand what they were talking about. Hung up then phone.
After googling their name out of concern I though they were a real collection agency ; called them back asking what account they were talking about, they asked me my birth date for " verification '' then they were attempting to ask further questions ( questions that sounded exactly like the questions that they use in websites to verify identity... have you lived in address XXXX, what color is your toyota xyz ).. I didn't answer any of them and insisted to provide me info about the account they supposedly had on me. None of this sounded right and I believe they were attempting to apply for something or open something under my name. I confronted them and they ended up hanging the phone on me.
I am XXXX XXXX XXXX myself so I am very familiar with phishing practices and social engineering. On top of that my all my credit files I have them frozen. So I am not very concerned on what they would be able to do to me. They obviously already have partial info on me.
I am really writing out of concern that these people are let free attempting to do harm to innocent people that might fall for this practices. It's very elaborated and they sound legit.
Doing my good duty and reporting the events.
Please let me know if you have any questions, Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Let this letter serve as a complaint about the XXXX XXXX. On XX/XX/2022 I, entered in the rental agreement with XXXX XXXX. I rented the XXXX XXXX car for the period of XXXX XXXX XXXX it in FL. The full amount of {$520.00} ( conformation # XXXX ) was withheld from my XXXX XXXX XXXX. I was asked if I wanted an additional insurance coverage for the rented vehicle. I explicitly refused as I have an active insurance coverage with XXXX. The XXXX XXXX representative asked me to provide him any of my credit cards to put on hold, in case of any damages to the rental car. I gave him my XXXX XXXX Credit Card. I signed the agreement that was later emailed to me. Eventually the XXXX XXXX billed me for additional {$260.00}. I challenged this charge as I refused to have additional coverage, but the company still charged me for the no provided service. I disputed the charge with XXXX XXXX and was assured by my bank that I did not have to pay the charge. However, the rental company sent me a direct bill for the amount {$260.00} trying to charge me directly. The rental company should not act in fraudulent manner and unjustifiably enrich itself for the services that have been refused by the client. I spend time trying to straight the matter out. I received the letter from XXXX XXXX that resolved the dispute in my favor however it did not stop XXXX XXXX from pursuing money from me and sent me ( XXXX ) bills directly. After that XXXX XXXX transfer this amount {$260.00} to Transworld Systems Inc. This company is a debt collector sent me already 2 or 3 letters with request me to pay this money. Plese help resolve this issue.
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, I received a fraudulent charge to my credit card for {$150.00} from XXXX. I disputed this charge with XXXX XXXX XXXX and they decided in my favor. From XX/XX/XXXX until XX/XX/XXXX I did not receive any correspondence from XXXX XXXX XXXX or XXXX. On XX/XX/XXXX I received a letter from Transworld Systems ( a collection agency ), alleging that I had a balance of {$4900.00} due with XXXX that they had passed on to me. Again, I had not received any prior correspondence from XXXX that I had outstanding bills due. After calling XXXX, I learned that my online account had been illegally accessed, and the criminals had gained access to my saved credit cards and were able to use that info along with my saved billing address to send out 4 invoices totaling {$4200.00}. They also changed the email address to their email ( which I have a picture of ), and changed my password.I have full PDFs of all of the fraudulent shipment invoices, many originating in New York state and Washington State, and all shipping to XXXX. XXXX 's Fraud division closes cases after 90 days and thus they were not able to help me, so I have filed a police report and am filing this CFPB report in hopes that it can be resolved. I am hoping that I can provide proof to XXXX that the charges were fraudulent so that they can let the collections agency know that they were fraudulent and drop the collections. Transworld can not do anything about my charges unless XXXX gives them approval, and XXXX claims they can not help me since it has been longer than 90 days since the charges were made. This leaves me in a difficult position.
|
| 09/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, I was notified VIA email through the XXXX XXXX - XXXX XXXX XXXX XXXX that a collection agency placed a collection charge on my Social Security number.
I looked into the company name, Transworld Systems, and found it was a debt collections agency. I spoke with a representative there who let me know that a XXXX XXXXXXXX XXXX, XXXX XXXX, had six different accounts opened using my name and Social Security number ( I live in New Jersey, I have never visited Texas, nor do I have friends/family that live there ). I asked for the account numbers and balances at that time. I, then, submitted a fraud report with their customer support team. They let me know that they will investigate on their end and send me paperwork to process on my side.
I went to my local police station and filed a police report which will be available for me to pick up XX/XX/XXXX or XX/XX/XXXX. I was also directed to file a fraud/identity theft report with the FTC. The next steps were to send a copy of the police report along with the FTC report to the electric company to process the dispute on their end.
I called the collections agency again ( today, XXXX ) to confirm the information and they also provided me with the dates of end of service as well as the addresses for each account, XXXXhree of which were opened on the same day. I learned that the accounts were opened under two different companies, XXXX XXXX and XXXX XXXX, both of which are under the bigger company, XXXX XXXX XXXX. A fraud report is submitted on their side to help prevent additional accounts from being opened with my name and social security number.
|
| 12/13/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014.
Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and Transworld Systems. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency.
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or Transworld System. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt.
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
|
| 08/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Starting around early XXXX myself and my boyfriend began receiving calls from a number marked as " Account Services '' on caller ID. Once I understood that they were debt collectors from Trans World Systems Inc I told them to stop calling my boyfriend. They said they would and even put me on hold under the pretence that they were removing his number from my account. They did not stop calling him though and have called him numerous times since then. I am filing a complaint because, according to a representative from the cfpb, who I spoke to on XX/XX/XXXX, they are not allowed to repeatedly call someone other than myself in regards to my debt, especially being that my boyfriend is not related to me or legally bound to me. He and I feel harassed by Trans World Systems Inc 's repeated calls to him. We are also frustrated that they continue to call after I asked them not to and they told me they would.
Additionally, when I answer calls from this company they quickly transfer me to another call center, and the person who answers there always asks me why I am calling them... this is extremely frustrating as I am routinely transferred around from call center to call center. This business practice makes them come across as scammers and when they first started calling me I was unable to figure out what the call was even about. I was wary to provide them with any of the identifying information they asked for as this business practice seemed suspect and I was concerned about identity theft. This led me to have a prolonged debt, which likely hurt my credit score further and led me to feel afraid and threatened.
|
| 04/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}.
The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile.
The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.
|
| 06/10/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
TSI handles my account under XXXX. Accounts XXXX. XXXX and XXXX. I started up a payment scheme with them XXXX 2015. A {$50.00} payment is being debited to my XXXX Account every payday or every other week. When I remarried last XXXX 2015, my wife started to handle my finances and tried to consolidate all my debt. She had been calling TSI starting XXXX this year to check for the total balance of the said account. She asked for receipts or any form of confirmation as to what accounts had been paid off and how much remaining balance. In the course of these phone follow-ups and exchange of letters, she found out that there was around {$500.00} that was not accounted. She was exasperated that the Customer Service people she spoke with like XXXX XXXX, XXXX, XXXX XXXX, can not give her what she was asking. Until we paid off the remaining balance last XXXX and we asked for payment history. TSI sent a payment history and there were payments that was not accounted for. We are thinking that we overpaid them since we are not certain as to how much is the total balance. We wrote another letter to TSI addressed to XXXX XXXX and sent them copies of the XXXX check that was debited but was not accounted. Total amount was {$500.00}. However, TSI did not address the over payment issue but replied that the account was already settled and closed. We believe that we need a proper payment accounting of all the checks that we paid. Previous letters did not reflect the payment at all that is why we believe we over paid. Is it still possible to claim back the over paid amount? Please help shed light on this matter. Thank you.
|
| 04/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Started getting letters from the debt collecting company for {$210.00} because I was supposed ly employed by a fake company called XXXX shipping last year where I was supposed to be shipping products to consumers through the United States Post office and also XXXX now that I found out after 30 days of being employed was never paid for the position that I work for and I was cut off from all communication from fake company phone calls numbers website at the work but was never compensated now I'm coming to find out after almost a year that people are coming after me to pay for these packages that were sent out and never paid for through this fake company I was never paid I feel like it's unfair for me to have to pay out money to a company that is defrauding people through a legitimate website indeed where people are looking for work to support their families and pay their bills and this company is defrauding people setting up websites with these people and then making them work for 30 days with a promise of a check for the work and being cut off on that 30th day where you can not contact anyway this company is defrauding people besides myself and causing hardship to to honest people like myself and now are faced with debt collectors trying to collect money from us the people that was defrauded like we're criminals and the company is operating scaring good citizens of the United States there should be a law against people opening up companies and then scamming people employees out of their time and their money without any means to prove that this is all a mistake because I am the one that's the victim
|
| 09/20/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XX/XX/XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received.
I followed up with NCC Business Services ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XX/XX/XXXX and XX/XX/XXXX, no specific date provided. I requested NCC Business Services provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureaus, I am filing a complaint to the CFPB to mediate the removal of this item from my XXXX credit report in order to accurately reflect my true credit history.
|
| 11/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving repeated phone calls from a company that comes up on my caller ID as Transworld Inc. The representative advised me that I have a medical bill from XXXX XXXX. I said that was impossible. She asked me to verify my address and I did, and it was NOT my address that she had on file. She gave me just the street name that she had on file and it was my ex-husband 's old address. I couldn't verify it because I couldn't remember the address because I haven't lived there in years. I explained to her that while I stayed at that address I did not go to a XXXX XXXX. She asked me to verify my social and DOB and I did not feel comfortable giving that. The next day, I received another call from the same number ( XXXX ). I explained that this debt was not mine and asked them to discontinue calling me. I blocked the number and they have been calling 2-4 times a day from different numbers. When I block those numbers they began to call on different numbers. These calls are now daily and throughout the day. This company has threatened to send it to credit agencies because I will not settle this bill with them. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 07/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an outstanding bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to them not billing my insurance correctly. The date of service was XX/XX/XXXX. I received my first bill in XXXX and immediately contacted them to let them know they billed my insurance incorrectly. I had sent in the correct insurance information and followed up monthly until XX/XX/XXXX. Not only were they billing my insurance incorrectly they stated they sent in the claims and never did on multiple occasions. They also claimed they put a hold on my account to stop it from going into collections. After my insurance made their payment my balance was XXXX XXXX and I requested an itemized statement. I then started receiving phone calls and letters from Transworld systems incorporated which is a collection agency attempting to collect a debt which was MORE then the original bill as my insurance negotiated for a lesser fee. I sent in my itemized statement from the original billers and they told me " sorry our system shows you owe ''. I said someone needs to contact XXXX to have this removed from your system as the debt is invalid. I also called XXXX who stated that they would " followup '' with the collection agency. A week later they didn't and after speaking with a supervisor was told " the ticket was closed as my account shows a XXXX balance so no one contacted the collection agency ''. The collections agency is illegally billing me when I have Medicaaid and the debt has been paid in full. They are harassing me for a fraudulent debt, and refuse to stop after I've provided evidence from the original debtor that my balance is XXXX.
|
| 09/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The XXXX Hospital didn't use my insurance or tell me I had over {$7000.00} due in hospital bills from a trip I took around XXXX.
Here are a list of collections that they have submitted : 1. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$3600.00} ; Date : XX/XX/XXXX 2. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2100.00} ; Date : XX/XX/XXXX 3. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2300.00} Date : XX/XX/XXXX 4. Current Creditor : XXXX XXXX ; Original Creditor : XXXX XXXX XXXX Amount : {$2100.00} Date : XX/XX/XXXX ( I have never heard of the original creditor ) I went to the hospital when I got a XXXX around this time and I supplied them with my XXXX insurance. The only contact I had was an agent who called me and told me I had a balance of {$50.00}, which I paid that day. I disputed all but the XXXX XXXX XXXX because I just noticed it and I have no idea what that even is.
They never gave me the opportunity to discuss what the charges were or to tell me why they didn't charge anything to my insurance. Also, I don't know why there are three separate charges from XXXX XXXX Hospital.
This has destroyed my credit and made my life very difficult in getting loans and getting a home. I have had a very hard time trying to repair my credit due to these claims.
They should contact customers and make sure that they charge to insurance. They also shouldn't tell you that your balance is paid off and then sent a large amount to collections which they can't explain.
|
| 12/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022, a collection account was reported to XXXX, and subsequently to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The account is under TRANSWORLD SYS INCXXXX for the amount of {$280.00}. This account was opened on XX/XX/2022.
This account was not familiar so I initiated a dispute with XXXX on XX/XX/XXXX. I had never received any communication from Transworld and had no idea what this amount is for. The XXXX account information shows XXXX XXXX XXXX XXXX as the Original Creditor. On XX/XX/2022, I reached out to XXXX XXXX XXXX ( aka Dignity Health ) and they can not provide any confirmation of this debt. They suggested contacting the company they use for billing, XXXX. XXXX did not provide any information on this either. They sent me back to original creditor. They suggested contacting Transworld. When I called Transworld, they claim that they do not report to credit bureaus and the original creditor does so.
I asked them why they have reported such a small amount to credit bureaus only after a month of opening the account and without sending me any notifications. They claimed they have sent a letter on XX/XX/2022. I have not received such letter. But even if the letter was lost in mail, shouldn't they have provided me with a reasonable opportunity, communication, and timeframe to settle the amount with them before reporting it as non-payment? This is all assuming that the {$280.00} bill is a valid bill and not an attempt by either XXXX XXXX, XXXX, and/or Transworld to steal my money. The fact that they keep ping-ponging me back and forth is another issue that needs to be addressed.
|
| 06/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX billing department representative passed the statute of limitations for billing my dental insurance. There are dates that the billing department representative billed the wrong insurance company : XX/XX/XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( insurance coverage - primary ) Billed XXXX XXXX on XX/XX/XXXX for following amounts ( {$400.00}, {$370.00}, {$370.00}, and {$200.00} Additional coverage was with XXXX as well during this time but I had a Federal plan from XX/XX/XXXX to XX/XX/XXXX ( insurance coverage-secondary ) Billed XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX XXXX and XXXX {$180.00} My copay was XX/XX/XXXX for {$28.00}, XX/XX/XXXX {$55.00}, and XX/XX/XXXX {$83.00}.
XXXX XXXX XXXX was my secondary and they paid for my copay which is correct on XX/XX/XXXX {$28.00} and XX/XX/XXXX {$83.00} Lastly, as a military member if I am on XXXX XXXX per XXXX receiving XXXX care, I can not be billed during that time. I was on XXXX XXXX orders.
I also had XXXX XXXX insurance. I changed to due to better options.
The billing representative verbally stated to me that I had so many insurances. However she does pre authorization especially for my personal XXXX plans so I can know what my copay is. This is part of the scheduling process. Approval has to be made to ensure the insurance will cover it or the expense will be on the fault of the patient.
I personally contacted the XXXX plans and they did see where billing came to there office but it passed the statute of limitations due to it originally arriving at the wrong location.
|
| 08/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an invoice from XXXX ( Invoice # XXXX, attached XXXX Customs Invoice '' ) for duties collected regarding an item purchased overseas ( Seller : XXXX XXXX XXXX, Country of Seller : XXXX ).
This item was found to be defective upon arrival ( see attached " XXXX XXXX supporting emails '' ). Subsequently, the item was returned back to sender and my purchase was refunded by the Seller ( see attached XXXX return invoice and " XXXX Refund for XXXX 55-135 '' ). Under 19 C.F.R. 158.12, Customs should reduce the declared value to reflect the latent defects and adjusted value that the shipper noted on the return invoice.
I notified XXXX customs department of this issue on XX/XX/XXXX and to ask for a reduction of duty charges. I received a response from the XXXX XXXX broker 230 days later on XX/XX/XXXX stating they could not defer the duty payment. I contacted the XXXX XXXX broker to request a drawback on XXXXas instructed by XXXX XXXX and Tax customer service representative and Drawback Specialist at US XXXX ( see forwarded email below ). I have not heard a response back from them as of XX/XX/XXXX.
Due to the value of the returned item was XXXX Euro, which was stipulated by the seller, the duty collected on import should be {$24.00} in accordance with the exchange rate on XX/XX/XXXX ( HTS XXXX is XXXX Euro and XXXX XXXX is XXXX Euro ).
I requested a drawback from XXXX multiple times the last of which was XX/XX/XXXX. I have not heard a response as of XX/XX/XXXX.
I have saved emails of my attempts to contact the various entities within XXXX customs/duty to resolve this issue.
|
| 03/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX - Contacted Transworld systems prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing.
XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice.
Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file.
Followed up : XX/XX/XXXX.
Company Stated : didnt receive dispute.
I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX.
Company Stated : dispute was received.
Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation.
Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transworld Systems Inc. and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have identified several discrepancies and errors in my credit report that have been verified by the companies despite my attempts to dispute them.
Regarding the Transworld Systems Inc. account, the status of the account is incorrect as it is marked as " open '' instead of " closed '' or " paid. '' Additionally, the original amount owed and the current balance are both listed as {$750.00}, despite the fact that it is not mine, and I have never had any business or financial relationship with XXXX XXXX. Additionally, I have not received any notice or communication regarding this debt before seeing it on my credit report.
Regarding the XXXX account, the date of first delinquency is listed as XX/XX/2019, which is incorrect. The original creditor name is listed as " XXXX XXXX, '' which is also inaccurate.
These discrepancies and errors have negatively impacted my credit score and have caused me financial harm. Despite my attempts to dispute these inaccuracies with Transworld Systems IncXXXX and XXXX, they have failed to correct the errors and continue to report inaccurate information.
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these companies comply with the FCRA and the FDCPA and delete this account. Thank you for your attention to this matter.
|
| 06/25/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
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.
|
| 06/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I am XXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX doing business as XXXX and XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED is now civilly liable to pay me for the damages.
|
| 07/04/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
While renting a car for 6 weeks, I was hit twice and filed two separate loss incidents with XXXX, where I rented the car. Claim # 1, the driver who hit me acknowledged that they were at fault and stated that they would like to pay cash to fix the scratches on the BACK of the bumper. Claim # 2 I was hit, but the other driver claimed she had yielded, so each of our insurances determined we would each be responsible for our own cars. The damage for claim # 2 was on the XXXX of the bumper because the other driver had merged into my lane. I am willing to pay for the damage to the side bumper. However, XXXX sent me an invoice for all the damage, and included the damage to the BACK of the bumper which should be billed to the driver for claim # 1. I have sent several emails to XXXX XXXX who is handling my claim, but he has not responded to me. I spoke to him and he said I'm not being billed for the other damage, even though the invoice shows the back bumper damage to repair. I have asked for documentation on claim # 1 so that I can understand how they are separating the claims. After several weeks I received an email stating that they would be dividing the two claims, collect the damages from claim # 1 from the third party, and send me an updated bill, however, I have now received a letter from a collections agency, Transworld Systems Inc. ( TSI ) for the full amount of both claims. I have now mailed a certified letter to XXXX and TSI requesting again that the claims be separated and billed appropriately and that documentation of such is provided to me. I eagerly await their response.
|
| 07/05/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have had numerous issues with University Accounting Service ( UAS ) related to them losing my checks or allocating the checks to the wrong months and thus leading to late fees and delinquencies on my credit report. Below are the specific details : - In XXXX and XX/XX/XXXX, two checks that I sent via my bank were lost by UAS or allocated to the wrong account by UAS resulting in late fees and a drop in my credit score. I repeatedly email and called UAS in XX/XX/XXXX and again in XX/XX/XXXX to resolve this issue. I even sent them copies of the cleared checks.
- In XXXX or XX/XX/XXXX ( it is unclear from their website and with repeated discussions via phone ), another check was lost or allocated to the wrong account. They acknowledged that it was an error from the accounting department.
- I send an electronic check via my bank account monthly 4-6 days before the due date on the first of every month. Despite, not making any changes in their recurrent payments, the check that was sent on XX/XX/XXXX to pay for the XX/XX/XXXX due date was instead allocated to XXXX. This caused a late payment for XX/XX/XXXX and no deduction of the amount that I already paid for XX/XX/XXXX.
These are recurring issues with UAS. I have spent over 3 hours total with customer service. They are inept with understanding the issue, demand that I pay on the 1st of the month rather than 5 days earlier. The amount that I owe nor that amounts that I have already paid are not clear on their website. This makes tracking my payments difficult and I do not trust that their calculation of how much I still owe.
|
| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm a tenant with a rent control, I as been here for 17 years, after my husband passed in XXXX I haven't a legal lease I always signed but they never sent the copy, on XXXX XXXX complaint to the City for the same reason they ordered to sent me a lease copy in 30 days and eliminated all the overcharged for lateness wich its not applied, according to the first lease in XXXX, they sent me the lease I signed but they never sent me the copy. I never stopped to pay my rent, until last year due to covid ERAP deposit an amount of money covering my rent for 5 month on XX/XX/XXXX ( XXXX ) supposed to be covered until XX/XX/XXXX, I started paying my rent on XX/XX/XXXX even with the increased amount that not supposed to happening until one year later ( XXXX XXXX ) I spoke with them about it to many times they became disrespectful with emails, and harassing me with late notifications certified mails and emails, I complained to the Housing again about it on XX/XX/XXXX, I have the docket number and I guess that they have the notification too.They sent me and email telling me that they will sent my debt into collection they did it and today XX/XX/XXXX I Recieved the notification from TSI, and after all this back and forward with the emails they sent me the lease 2 weeks ago ( XX/XX/XXXX ) when I signed in XX/XX/XXXX and I supposed to recieved the tenant copy 90 days later ( around XXXX or XX/XX/XXXX ) and this it's the first legal lease that I have since XXXX and they're overcharged me also I told them if they're right I'll pay what I own and for sure it's not the amount they're saying
|
| 09/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however they purposely seem to be making that proposition difficult.
|
| 01/10/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I returned my modem to XXXX on XX/XX/XXXX and they could not cancel the service in the store so I cancelled it on the phone the next day XX/XX/XXXX. I informed them that I had already returned the modem to the store the day before. On XX/XX/XXXX I received a bill from XXXX for {$400.00} stating I didnt return the modem. I immediately called XXXX. The rep said I needed to go to the store where I returned the modem. The girl there said theyve had this happen before so she called XXXX on the phone and I was there at least an hour and a half with nothing resolved. They were claiming they couldnt locate the modem even though I have the receipt that it was returned and the account was cancelled. On XX/XX/XXXX I got another bill. Then XX/XX/XXXX I got another bill. Then on XX/XX/XXXX they sent a letter that I was now in collections. I also received another bill from XXXX on XX/XX/2024. I called the collection company on XX/XX/XXXX when I received the letter in the mail. The agent XXXX XXXX transferred me to XXXX. The rep said he couldnt help because the account has been closed and my password no longer worked so I was again told to go to a XXXX store. I went to another XXXX store and the rep called XXXX on the phone and I was there at least an hour and 1|2. They still wouldnt remove the balance again. Stating they didnt get the modem when I again showed them I had the letter stating I returned it. Now its affecting my credit and taking time out of my day trying to prove I returned this modem. Im not paying {$400.00} for something I no longer have. I dont know what else to do.
|
| 08/01/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I originated this private student loan in XXXX in the amount of XXXX. I was deferred until graduation ( XXXX ) and then entered into a lowered payment agreement. Since XX/XX/XXXX, I have been paying the normal payment. 3 months ago, I noticed that my principal balance has increased. So I contacted customer service and was told that my payments had been going to interest-bearing fees. Because I get electronic statements, I was only able to pull statements back to XXXX. The agent said they would send it to an account specialist and get back to me.
6 weeks later, I still had no word, so I called again. The agent this time pulled my account overview and sent it to me. Based on this report, since XXXX, it shows that my payments have been distributed to 'interest ' and 'fees '. No one can tell me what the fees are. Again, I was told it would be sent to an acount specialist but have heard nothing.
I called again yesterday, and was read the exact same thing that was on the report, that my payments have been going to interest and fees. Again, it would be escalated.
Today I received an email that the payments have been going to interest and fees with no further explanation.
The account overview from last month shows that I have paid {$19000.00} on the loan amount of XXXX ( XXXX principal plus origination fees ). {$10000.00} went to interest and {$9500.00} went to interest-bearing fees. My balance details were unknown.
The statement that I received this week shows my balance as XXXX, so it looks as though they are now distributing the money toward my principal since my call.
|
| 07/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a phone call from XXXX XXXX with XXXX XXXX stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment.
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay.
Prior to this being transferred to XXXX XXXX I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency.
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information.
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from XXXX XXXX states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.
|
| 03/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
The debt collector, TRANSWORLD SYSTEMS , INC. notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.
|
| 08/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
I have been contacting/attempting to contact XXXX XXXX of Trans-world Systems Inc. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me. I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims XXXX returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
|
| 03/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On the morning of XX/XX/XXXX approx. XXXX XXXX I received a call from my mother regarding a call she received about a debt, my debt. The representative of XXXX ( XXXX ) XX/XX/XXXX XXXX called my mothers cell phone number XXXX, spoke to my mother and informed her of my personal debt in detail without confirmation of the identity of the debtor. Based on information provided by my mother was that the caller asked for XXXX XXXX, my mother did not confirm her identity as XXXX, but merely responded how can I help you ... the representative then requested a date of birth, and my mother inquired who's and the response was for XXXX 's which of course my mother knew, and at that point the representative preceded with the debit details and pressuring for payment. The concerns is that my mother is a senior, fixed income and many personal medical issues and felt pressured to make restitution of this debt for me, but really does not have the means to do so ... .She told the representative that she would need to look at her budget and call back. At that time my mother called me in tears and upset and I was angry that they placed the pressure on my mother. I feel as though the pressure to collect and the lack of identity verification violates the regulations to protect the consumer and the consumers privacy. I followed up to obtain details of the debt be mailed to my home, so I may review and take the time to look at my budget and work to make restitution. I am sure there are recording of the exchange with the debt collector and would like them investigated for their violations.
|
| 09/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
For several months I 've received phone calls ( voicemail messages ) from Transworld Systems , Inc. requesting that I return the call to a person ( the name changes periodically ) to discuss payment on a debt that I owe.
I keep up with my outstanding debts and I do not owe anything that a collection agency would be calling me about. I researched the company online and have found there are numerous complaints about the company and the tactics used in an attempt to collect outstanding debt.
The phone number being called is a residential landline phone. Perhaps the person having this phone number prior to me has outstanding debt, but I do not. Also I purchased my house in 2010 through a foreclosure proceeding, and I suspect the person who owned the home prior to me has financial problems based on the financial transactions posted to the county Recorder 's office prior to the foreclosure and the continued mailings I receive in that person 's name that run the gambit from attempting to collect money owed to offers for vacation giveaways to gambling casino resorts. I also receive mail in the wife 's name and a son 's name that show they have continued to use this address ( now my address ).
Based on the online testimonies of all those who write about this company I will not be calling this company back to inquire or set the record straight at any time in the future. It appears from the details of the writers any attempt would be useless and only empower the bullying tactics of the company. I would like the phone calls received 2-3 times per week to stop, however.
|
| 03/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX.
The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up.
I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO!
It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company Transworld Systems , Inc is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!!
This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading.
TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX company has directly violated law written by congress , please remove.
Attached is also an article directly on this website XXXX talking about this companies false reporting tactics.
Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.
|
| 10/21/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This decision has been made in accordance with the guidelines set forth in the Georgia XXXX XXXX XXXX.
As a tenant, I faced persistent issues with noisy and disruptive neighbors at XXXX at the XXXX. Per the Georgia XXXX XXXX XXXX, it is advised that tenants first contact their landlord to address such concerns, rather than resorting to involving law enforcement as a first step. In adherence to this recommendation, I have made multiple attempts to address these issues with the apartment complex management and unfortunately have multiple police reports that have been approved by the county. I have attached the evidence and will forward over all videos that were requested to me by management if needed.
Despite my best efforts to resolve these concerns through the proper channels, the landlord continually failed to adequately address the disruptive behavior of my neighbors. This has created an environment that is incompatible with my right to quiet enjoyment of the premises, as any ordinary, reasonable person would expect.
In light of these circumstances, I decided to exercise my right as a tenant to terminate the lease agreement, as outlined in the Georgia XXXX XXXX XXXX. I provided a formal XXXX notice of my intention to vacate the premises. My last day of occupancy was XX/XX/XXXX, which was 60 days from the date of the letter.
I kindly request that this collection account with TRANSWORLD SYSTEM INC and XXXX at the XXXX with a balance of {$3500.00} be removed from my credit report. Please contact me at XXXX or XXXX to discuss any necessary arrangements.
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an invoice in the mail from XXXX ( supposedly ) with an invoice date of XX/XX/XXXX- it was sent to my previous address and rerouted to my new address. It stated that I owed for a shipment from " XXXX XXXX XXXX XXXX '' in XXXX, California to " XXXX. '' XXXX '' in XXXX XXXX, California. I live in Missouri and have never lived in California. I sent photos of the invoice to the XXXX Scam email address and contacted them via XXXX to see if this was a scam. And if so, to remove it from any accounts associated with me. I do not have a shipping account with XXXX and have never mailed anything with the company- so I am not sure how this even happened. I never heard from XXXX about the false invoice. Then on XX/XX/XXXX, I received a collections notice in the mail from TRANSWORLD SYSTEMS INC, dated XX/XX/XXXX. It was sent to the wrong address as well ( our neighbors down the street ). It claimed that I owed XXXX money for ( 8 ) different invoices for shipments sent before XX/XX/XXXX. I never got ANY notice of these shipments, but that's not surprising because they had nothing to do with me! On the letter, it said I could dispute the charges if I sent correspondence via mail by XX/XX/XXXX. This is clearly a scheme. I tried calling TRANSWORLD with the number provided on the letter, but they just sent me to a voicemail. No one has called me back. At this point, they are trying to get almost {$150.00} out of me for shipments that I had nothing to do with. I've seen this has happened to many other people by searching online. Both companies need to be investigated.
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I rented the apartment XXXX XX/XX/XXXX, we move in on XX/XX/XXXX XXXX XXXX, told us the place was perfect for families, my wife is an XXXX XXXX so we ask XXXX about black mold and specially cigarettes she told us the complex was non smoking community, the first day the heater didn't work properly and dishwasher broke down, we sent a repair request and they came fast, was good we thought, then dishwasher broke again and again, the door at the laundry felt off, the first shower the bath tube peeled and have a very weird orange color, the neighbor have a lot of males visitor at least 10 men 's everyday all of them smoking and weird looking, cigarret smell was leaking inside, every night the upstairs neighbor use the washer and walk all night long, my wife complained and the manager in a very rude tone said she couldn't handle, my baby girl my wife and I gets a very bad upper XXXX XXXX cause one day we came back and some kind chemical smell was inside the apartment, they said was carpet cleaner now we know was poison for XXXX XXXX, my daughter have some kind of bites and have a very XXXX reaction, my wife clean all te apartment and found out XXXX XXXX were coming from the neighbor apartment we made pictures, now this people have a collection company trying to get almost XXXX $ after we have to abandon the apartment because my wife couldn't stand in that nasty place, we left our belongs because the manager said we brought the XXXX XXXX with us, tried to make us pay the exterminator and we suppose to wait for 15 days for them to come and kill the XXXX XXXX.
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I rented a car from XXXX car rental on XXXXXXXX at the XXXX XXXX airport location. XXXX XXXX set this reservation up for me directly. I was notified of the details. My rental contract said in print that I would be charged a fee if I did not call customer service prior to extending my rental. I called customer service to do just that. That call record was logged by XXXX and my mobile carrier. Still, on the evening of my return, I was charged a " late return fee '' of {$36.00}. The evening of my return, it was pouring down rain. It was late, cold, and wet-so I chose to have my receipt emailed to me instead of walking into the branch. To my surprise, despite my calling customer service, per the rule, I was billed a late fee anyway. I contacted customer service by phone and was told there was nothing that could be done and that no bill adjustment would be made. I then contacted my credit card issuer and disputed {$36.00} of the {$210.00} total. It was determined by XXXX XXXX XXXX XXXX that the entire amount should be refunded to me after their investigation. I visited the lax XXXX in XX/XX/XXXX to offer to pay the {$210.00}, less {$36.00}, that I no longer owe. I was told by an agent at the counter that no payment could be taken. Additionally, the only XXXX rep that could take a payment would be the " do not rent '' center, and they do not make bill adjustments. Now, I'm getting payment demand letters from their credit collection partner XXXX XXXX XXXX, by email, phone, and first-class mail, attempting to collect a bill that my responsibility has been removed
|
| 07/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Letter to Remove Inaccurate Credit Information : To Whom It May Concern, I received a copy of my credit report and found the following item to be errors. Here as follows are items in error:1.TransWorld Systems Inc : {>= $1,000,000} XXXX XXXX XXXX, CO XXXXPlease validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. Under the FDCPA Act, I am requesting proofof this debt:1.Original contract that bears my signature as a promise to pay2.Itemized account charges for the full amount requested as well as any payment history3.Proof of license to collect in the State of Florida4.License # and Registered AgentIn the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself, if this matter is not resolved.
Thank you for your time and help in this matter.
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| 11/30/2017 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt.
The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do?
We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
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| 03/15/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a notification on my credit report that a new debt has been added to my credit report in XXXX of 2017 from TSI/XXXX. I contacted the reporting agency via phone to see what this was regarding the amount of {$100.00}. I was told that it was for a medical bill I explained to them That I not once received a letter stating that a debt was owed for this medical bill and that they are violating the fair credit reporting act / fair debt collection act. Because I never received an original letter of the right to dispute or a letter stating that it will be reported on my credit report or resolved it before it went toward my credit report.
The female that I talked to was extremely rude on the phone and refuse to understand what I was explaining to her how I know these laws are out there to protect the customers and she treated me like I did not know what I was talking about which the conversation ended in a verbal screaming, cussing, and match. I even stated that i will dispute it because I never received the right to dispute and she stated dispute it your not going to win it still will be on your report regardless which I find that is a complete abuse of authority I was originally wanting to resolve the matter before it went to my credit report but I was more upset that it went on my credit report because I did not want any damage done to my credit score. 3 weeks after the incident I received a letter for the amount I never received the original right to dispute before it is reported on my credit report before any damage was done to my credit score.
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| 01/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On or about XX/XX/XXXX, {$520.00} Transworld report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. Transworld without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, Transworld is report that it was open in XXXX in attempts to hurt my good credit. Transworld on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, Transworld refused to give me a name or address to file legal actions against both Transworld and the third party. Transworld told me it would be removed from the credit report however, XXXX has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from Transworld and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and Transworld is XXXX which the company has stated info was received.
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| 02/27/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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This debt per my insurance company was not submitted. I have asked the doctors office multiple times to submit it to the correct insurance company for payment. They refuse to work with me. They refused to allow me to text them a copy of the insurance card. They do not have secured email to send the insurance card to. XXXX XXXX is the contact at XXXX XXXX XXXX and has refused to handle this situation in a professional manner.
She has threaten to turn me to collections knowing very well that I have XXXX XXXX XXXX that will pay this in full and I would only owe a {$25.00} co-pay and yet she refuses to allow for a secure way for me to provide the information to her to resolve it.
I work onsite with clients in various time zones and ca n't do " old school phone calls '' - they wo n't provide a portal and/or a texting ability to ensure I can securely send the information at a time outside of my normal working hours.
They are on the verge of fraud for turning this to collections without processing to the insurance company that I have requested. My husband had me on his policy until end of XXXX 2016 and my insurance started on XXXX XXXX, 2016 so they were to either claim to his first mine secondary and/or determine what was going to pay out the best - mine policy was better and would only be a {$25.00} copay.
My feeling is that they are having to write off more with my insurance policy thus trying to use only my husbands policy so they can ask for more out of pocket from me - this is on the verge of fraud and not in the best interest of the customer.
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| 10/10/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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My account was transferred to Transworld Systems XX/XX/XXXX from XXXX XXXX XXXX. Account # XXXX. The reason for my complaint is that they will not send me monthly statements of the debt. The reason being because they are not a billing coming and the longer I wait to pay the debt it is incurring weekly interest. The last statement I recalled I received was from XXXX XXXX XXXX before turning over to the collection agency there was a balance of {$820.00}. Now I have a balance of {$890.00} as of XXXX/XXXX/XXXX. When I spoke with a representative XX/XX/XXXX I explained that I can only making payments of {$10.00} a month/ I explained to them that I had been XXXX twice in XXXX and having a difficult time make full payments due to several other deductibles I am paying to others. I was told they can not make a formal payment arrangement with me unless I agree to pay {$36.00} a month to stop interest from accruing and at that point they can send me statement. But earlier I was told they can not send statements. I believe this is unfair collection efforts, how can they charge weekly interest on a debt that was sent to them by XXXX XXXX XXXX in which they never charged interest. I would never get this paid off. The debt keeps going up and up. In the meantime they are continuing to cash my {$10.00} checks. I refused to send them anymore payment until I get a running balance of what I owe and I want the interest to stop. This is clearly a UDAAP violation. Please assist me in getting this resolve. I want the balance verified that was transferred from XXXX XXXX XXXX
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| 04/15/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I signed up for XXXX XXXX in XXXX and used a landline account from then until XXXX. Dial XXXX to call. We came to the conclusion that it would be preferable to try a different provider because of the poor online services, the abundance of schoolwork, and the infrequent ability to submit assignments because of slow internet and internet breakdown services. I told XXXX over the phone that I was terminating my service with them. They made an effort to bargain with me for a cheaper price, but I refused and kept my ground. After that, they sent me a bill for {$130.00} that was still owed, which I settled. I signed up for XXXX XXXX services a week ago ; I am still a customer of theirs and have never missed a payment.
Three years after terminating my subscription with XXXX, a bill alleging that I owed them {$0.00} cents showed up in XXXX. We resolved the bill when I called back. I told the man with an Indian accent that I owe them nothing and that he should stop scaring and harassing me until I received a second bill in XXXX claiming this time, {$90.00}. This is stealing. He then made me feel threatened before hanging up. To my amazement, nine years after formally closing my account with them, I am still " owing '' an internet bill from the same firm.
I saw that my account had two phony phone numbers generated. One of the phone numbers used by the phishing collecting company known as transworld systems inc for {$270.00} is also attached, along with XXXX, XXXX, and a number that I had given to a friend since XXXX before she relocated to the XXXX in XXXX.
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| 01/14/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Good morning, On XX/XX/XXXX I received a letter from Transworld Systems , Inc. stating the creditor-XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX had placed an amount of {$23000.00} for collection and requesting this amount in full. On XX/XX/XXXX the debt for the amount previously mentioned was added to my credit report. On XX/XX/XXXX, I sent a debt validation letter mailed certified asking for proof of the alleged debt. On XX/XX/XXXX I received a response from Transworld Systems , Inc. regarding an account payment history with their office. Transworld Systems also supplied documents of a Loan Request/Credit Agreement with the Lender -- XXXX XXXX XXXX, a note disclosure statement with Lender XXXX XXXX XXXX, and a Loan Payment History Report. None of the supplied documents sent by Transworld Systems , Inc provided proof that XXXX XXXX XXXX XXXX owned the loan from the Lender. On XX/XX/XXXX, XXXX XXXX, XXXX I contacted XXXX XXXX for legal advice by XXXX XXXX XXXX and supplied the Attorney documents of the information sent to me. The Attorney sent a letter on my behalf also requesting for validation. On XX/XX/XXXX I received a letter from from XXXX XXXX XXXX that a letter to Transworld Systems , Inc. has been sent on my behalf requesting for validation and proof of loan ownership. On XX/XX/XXXX. XXXX XXXX XXXX by XXXX XXXX XXXX sent me the response from Transworld Systems , Inc. providing them with the same exact documents sent to me on XX/XX/XXXX. Again, this does not show proof of ownership of this debt/loan. Documents will be uploaded for review. Thank you.
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| 08/10/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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XXXX XXXXXXXX University - XXXX, XXXX ; XXXX I was furloughed without pay in between XXXX and XX/XX/2020 due to COVID ( letter attached to support this claim ). During this time, I missed a couple of payments with UAS because I was very stressed about eLearning for my school-aged daughter, fighting with Florida 's unemployment system ( which is terrible and frustrating ) so that I could pay bills and have food on the table, and a death in the family. UAS does not offer any sort of " Your Payment is Due Soon '' or " You Missed a Payment '' messaging. They only send emails stating, " You Have a New Document Available. '' Every single other creditor sends me a message about payments coming due. This helped me manage all of the other bills and I was not late once on any others. Due to the stress and financial implications of COVID, I feel that all creditors should give some grace. The federal loans got this right. But, the holders of Perkins Loans feel that they must penalize Americans during these uncertain times. With their reporting of this late payment, this dropped my credit score 75 points. In addition, they charged hefty late fees. I paid all of it up to date on XXXX and a few days later was I was rewarded for this with a 60-day late payment mark with the credit bureaus. I have not been late with any creditors for over 2 years and I was trying so hard, but then COVID came. I feel like all creditors need to have some grace. UAS feels that they can be predatory because the federal government hasn't mandated that they give borrowers some grace.
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| 05/31/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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We were sent items for an XXXX machine that were incorrect and do not fit the machine. We purchased the XXXX from XXXX and when I called to order a replacement hose, nose pillows, filters and face mask I made sure they were aware of the new machine ( which they sold to us ) and requested only those items. When I received the package from XXXX it not only contained all items for the old machine but also items I did not order. I immediately called and explained the problem and was told the correct items would be sent along with a return postage box for the incorrect items. Later that day I received a telephone message stating it would not be cost effective for XXXX to send the paid postage for the items to be returned. In the meantime they billed by insurance company for all of the wrong items as well as the items we did not order and received {$230.00} from them and while they did send the correct filters and pillows we never received the correct hose. The machine we have now requires a non-heated hose and the one they sent and are billing us for is heated and will not work with our machine. I have explained this repeatedly and also asked that they reimburse our insurance company the amount fraudulently billed and to either send a postage paid box for the items that do not work and credit us for those, Instead it has been in collection for months with harassing calls and letters to us. Our time, costs and emotional and physical torment is adding up and we need this to be handled correctly and we need to be paid for our time, expense and torment.
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| 05/27/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ) for their improper debt collection tactics. The alledged debt amount of {$2100.00} stems from a procedure I had done on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from debt collector Transworld System INC - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ). I contacted Transworld on XX/XX/XXXX and this is when I found out who XXXX was ( currently XXXX is out of business ). On XX/XX/XXXX I contacted Transworld again and their representative, XXXX XXXX XXXX a call with my insurance provider XXXX XXXX XXXX. At that time XXXX of XXXX XXXX stated to XXXX XXXX that they had no record of XXXX ever filing a claim. XXXX XXXX was also informed that contractually XXXX was required to submit a claim for payment. When asked by XXXX of XXXX XXXX for XXXX XXXX to provide an itemized bill and a contact number for XXXX she was not willing to provide that information. We concluded the call with XXXX XXXX stating she would contact XXXX to see if they would submit a claim, and verify they had my correct insurance information. My issue with XXXX is for failing to follow the proper procedure for collecting on this claim and for sending my information directly to a debt collector. My issue with Transworld is for attempting to collect on a debt without providing me with an itemization of the bill. I am aware I am responsible for my percentage of the covered and allowable charges set forth in the terms of my plan coverage. Needless to say XXXX will not be getting {$2100.00} from me.
Thank you.
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| 05/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX . 30-day and 60-day delinquencies were reported in XXXX and XXXX of XXXX , respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent b y U.S. Mail to loan servicer XXXX XXXX XXXX XXXX , XXXX XXXX " XXXX '' ) on XXXX XXXX , XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. In XXXX XXXX , I contacted XXXX and XXXX regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request. XXXX even questioned the veracity of my explanation.
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| 10/10/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XX/XX/2015, I was admitted to an emergency department. I had insurance and most of the visit was fully covered. I am currently ( still ) being charged by the physician group at the hospital, saying I owe them money. I followed up with my insurance company, who said I was covered and the reason the physician group was not reimbursed was because they missed the 90 day period to file the claim. They strongly recommended I not pay the bill, as I was covered through my insurance.
I followed up with the collection company ( XXXX ) several times ( both calls and written statements ) and even had my insurance company call them while I was on the phone to explain the situation, but they still are sending me bills. Recently, I have been getting phone calls and written statements from another company, Transworld Systems Inc, who say they are looking into my account, but only are using the bills as a reference for the account, not the several written statements between myself, my insurance company, and the original debt collector.
I am at my wits end with this. I have been dealing with these charges for over a year now, taking time away from work to call the collectors, my insurance provider, and attempting to get in touch with the physician group ( XXXX XXXX XXXX, which has n't been possible ). I feel completely taken advantage of. I feel like these debt collectors are ignoring the communications from my insurance provider saying the fault and charges do not lie with me, they lie with my provider 's negligence when reporting the charges. Please help.
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| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American, Servicemember |
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XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) completely refuse to update my account.
I have notify them several times regarding this on going situation. This debt is currently in collections with TRANSWORLD SYSTEM INC. I have spoke with them as well, They said ; that the account CAN NOT BE UPDATED UNTIL THE ACCOUNT IS PAID IN FULL.
However this is mortally unethical, this is preventing my family and I from a place to live. This debt is current and its has being paid by the Treasury Offset Program.Which a monthly deduction is drafted from my social security check every month on time.
Unfortunately!!! As the world turns, unforeseen occurrences defaults us all. I fail into a finical strain, and was unable to make my payments. Immediately when I became stable again, I joined this Offset Program to get this debt handle. Also, the balance is incorrect as well. This TRANSWORLD SYSTEM COMPANY IS PREDATORY!!! They are overcharging me. XXXX!!!!!
Therefore, it appears to me that I am being penalized because I fail on hard times. I served this country, and I feel this is unjust.
Furthermore, this is constantly showing up on my credit file as a collection unpaid. This continues to show up as not being paid at all. This has been well over a year. This account is being paid as agreed and its my right, For it to show, that it is being paid as I have agreed.
As a result, will you please get to the bottom of this terrible situation. We deserve a decent place to live.
Thank you for your time, please get back to me at your earliest convenience.
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| 06/15/2015 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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Following a debt in question related to a visit to the hospital emergency room where, as an insured individual, a co-pay was paid in a timely manner, I received a collection notice from Transworld Systems, Inc.(TSI) at www.transworldpayments.com regarding a balance of XXXX for XXXX Emerg Physicians Acct. # XXXX which translates to TSI Reference number XXXX. The debt did not appear valid so I disputed the amount within the 30 day allowance and requested further information from the debt collector. Without producing this information to me for consideration, TSI informed XXXX, XXXX, and XXXX of the amount in question, resulting in an immediate negative impact on all XXXX of those particular credit scores, affecting my ability to lease a new home.
While the debt in question may be valid, I have been unable to contact TSI via their publicly posted phone numbers and by the phone number listed on their written correspondence which is XXXX. I have called their numbers multiple times over several weeks within their hours of operation noted as Mon-Fri XXXX to XXXX EST. I have left numerous voicemails, sent emails, and post and unable to get a customer service representative on the phone to discuss this matter.
I am extremely upset that this company has reported a debt to XXXX third parties and further that they are completely negligent in responding to inbound inquiries. Further, their online user account system is completely insufficient as I am unable to log-in, contact support, gather information, or spark action of any kind using this venue.
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| 09/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account status incorrect
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Web |
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I reached out on Monday, XX/XX/XXXX to UAS to correct my enrollment and loan status. It is Friday, XX/XX/XXXX. I am currently enrolled full time in a graduate program and have been consecutively since XXXX XXXX ( and prior to the Fall XXXX semester, I was enrolled consecutively from XX/XX/XXXX to XXXX XXXX ). I have been receiving emails imploring me to complete exit interviews for a loan for the last several months. I am enrolled full time and provided the enrollment verification form upon request, via email, on XX/XX/XXXX. Several days afterwards my credit score dropped significantly ; upon providing proof of my enrollment my status should have immediately been put on deferral until it was verified by an account specialist.
At the time of writing this complaint, after reaching out to UAS multiple times, via email and phone, I presently still owe a payment on their portal. My status has not been adequately adjusted to reflect my enrollment, it has had a significant impact on my credit score, and it will continue to affect me. When I reached out by phone I was not given any time frame as to when my status would be corrected. have already provided proof of my enrollment and would be happy to provide any other supporting evidence. If they need further information from the school, UAS needs to contact the appropriate people/offices and do so, in a timely manner. I have never had any issue or difficulty getting someone to verify me enrollment status. And I will no longer wait idly while UAS 's incompetence continues to affect my credit.
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| 03/06/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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Received private loan in XXXX. Graduated XXXX. Paid payments on loan and was in good standing. Filed bankruptcy XX/XX/XXXX. Last payment made was XX/XX/XXXX. Bankruptcy ended XX/XX/XXXX. When buying my home default loan showed on my credit report. Contacted agency who stated I had not made my payments and was unwilling to negotiate for reasonable settlement. Explained that I had filed bankruptcy and during that time I am not required to pay on student loans. Still unwilling to remove from default. Agency filed suit XX/XX/XXXX. Summons was sent to old address even though I had notified them of my new address when I contacted them earlier in the year. Finally received a summons that I did respond to timely stating that statute of limitations had expired of 6 years and asked case be dismissed due to this. Agency responded that my last payment was made in XX/XX/XXXX which you can clear see is untrue in their " exhibits '' and that it was XX/XX/XXXX. They filed suit XX/XX/XXXX which exceeds the limit. All further documentation from related to the case was again sent to my old address to include the order to garnish my wages even though my correct address was on all legal documents filed. I was not aware of garnishment or order to appear until today when my check was significantly lower. When reviewing documents on IN court filings I found all the documentation regarding this information. I was not given a chance to appear nor was I properly notified of garnishment and this case should have never been filed due to IN statute of limitations.
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| 02/26/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a notice from Transworld Systems Inc on XXXX stating that I owed a collection debt from the XXXX XXXX XXXX. I knew nothing about this outstanding violation so I verbally disputed it on XXXXI asked TSI for proof of the debt, I have had an active XXXX XXXX account for many years so I should not have received any toll violations. I did not get a response. As a side bar, I moved on XX/XX/XXXX and all of my mail was not forwarded until XX/XX/XXXX. ( I have proof ... the actual XXXX envelopes with the forwarded date ) In this forwarded mail I received the toll violation notices from the XXXX. I then tried to dispute these fees with the XXXX in XXXX but at this point they were in collection so I was told to contact TSI again. I reached out to TSI on XXXX and spoke to XXXX XXXX. She said that there was no new information regarding my dispute from 4 months ago. This is unacceptable. I paid the actual toll amount to her on the phone of {$8.00}. This collection company can not validate this debt. They are threatening to infere in the renewal of my car 's registration. I asked to speak with her supervisor and was forwarded to a voice mail for XXXX. I should not be required to pay a {$100.00} fee to this collection agency for 3 reasons - I disputed this fee immediately upon receipt of their notice and it's 4 months later and the have not responsed -I had and have an active XXXX XXXX account -I did not receive the XXXX notices in a timely matter due to my move and my mail not being forwarded by the USPS Please assist me in this matter.
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| 03/11/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Two months ago I noticed that XXXX was listed as a debt from XXXX. I recalled that I was XXXX and XX/XX/XXXX just occurred and I dropped out of school and my Grandmother gave me the {$500.00} to repay my XXXX XXXX to XXXX on XX/XX/XXXX for my birthday because she understood that I lost some close friends and didn't want to continue at that time.
Currently XXXX a company UAS is claiming I owe them ( an agent of XXXX University ) XXXX ( XXXX + interest ). I was able to obtain a summary of my account with a zero balance because I paid.
UAS is requesting a copy of a check/money order before removing the default status from my records. I explained that I used my birthday gift from my grandmother to pay this debt. I further explained that I didn't have a bank account as a XXXX XXXX XXXX entering college and paid cash for everything that I got from my grandparents and other family members.
UAS is saying if I can not produce a document that does not exist that I am responsible to pay {$680.00} for a debt of {$500.00} which I had already paid. I also emailed them the XXXX balance document provided by XXXX 's accounting team.
I asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) UAS representative to speak with the account specialist that makes the decision and I was transferred to XXXX XXXX - supervisor who echoed that I have to produce a check/money order from XXXX!
I would like for XXXX/UAS to remove this erroneous account and status from my records so I can continue to go to build my future ( credit profile and finish school ).
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| 03/23/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I called the debt collection agency the morning of XX/XX/23 to ask them to write a release of debt letter following a payment in full that I was offering to pay to settle the account. I had already been in contact with the original creditor and had been emailing them back and forth for months regarding this bill and then got sent to collections and didnt receive a statement or bill regarding the collection until it appeared on my credit report this week. Debt collector said they could report account paid in full but not remove collection from my report and to call the original creditor which is XXXX XXXX. I called them next this morning and was told the same story about how they couldnt remove it from my credit report despite full payment. I told them both I had proof it could be done and they were lying because I had it done 2 years ago from another debt collector company. I paid the balance of {$300.00} in full with XXXX XXXX and now need to get the debt collection agency to remove this collection from my account entirely since I paid the original bill with the creditor and bypassed then all together. Also the bill I paid was already reduced {$150.00} because of a fraudulent cancellation fee added to it. My ex gave me a 5 day notice to vacate our shared home with my kid and then cancelled utilities and stuck me with the bill in full. Thats the situation I had been going back and forth with disputing that the charges were even mine to begin with. Please remove this collection from my account completely and since its paid in full.
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| 03/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
Apparently this company Transworld Systems Inc. did not get the correct information from XXXX XXXX XXXX. Or shall I say they " inadvertly '' forgot to send them all of the paperwork that I submitted to them regarding this account. The account is a Identity Theft account. I did not give anyone permission to sign my name or to continue with any transaction. I just happen to find out when I order my credit report in XX/XX/XXXX that a student loan was forged in my name! This company failed to review the supporting evidence and had the nerve to try an decline my IDentity Theft affadavit!. Obviously they are trying to scam their way to getting paid on this account. I have filed and sent them every single paperwork including my police report and the actual original copies that I have from that date.There are XXXX sets of originals here and obviously they TWS has the wrong one. I have the forged copy that was sent to me from XXXX XXXX XXXX whichj obviously did not get to XXXX. XXXX is dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX letter was sent out stating to make corrections and return. Well needless to say I never returned them. I spoke with the representative who stated the letter was self explanatory. IF I dont return they can not proceed with the application. Well " someone '' forged my signature on XXXX/XXXX/XXXX and the forged copy was dated XXXX/XXXX/XXXX with corrections in it that I never made, and originals that I still hold in my possession. TransWorld has failed to provide me with an investigation report and a closure report.
|
| 06/21/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
After noticing that I had an old mailing address listed on an electronic statement from UAS Connect, I logged on to attempt to change that information. I noticed I had 2 lines of credit open which I did not believe to be accurate. When speaking with a customer service rep she first acknowledged the two lines, stating the loan had been transferred and I remain with 1 line of credit with UAS. Once questioned on where this unknown line of credit came from, she spoke with her supervisor, then stated the loan was not transferred and instead I had 2 original loans at 7.4 % that were combined in 2019. When asked for the disclosure statements for the apparent refinancing she stated they do not have that information. I then asked for the original loan note from my original servicer ( XXXX XXXX ) that sold my loan to UAS, to verify that one loan, Not 2, at 7.4 percent interest was sold. again this information was not provided.
Despite my requests for original loan documents and escalation to any representative that could demonstrate 1 loan was sold to them from thrivent, remained one loaned at the original terms, and that there was no evidence of an extra loan as evidenced by my account summary currently showing two lines of credit they were unable to assist me. I have concerns that my loan was split into two original amounts with two separate interest amounts applied a, then combined without my knowledge of likely an error.
I will provide specific statements in my portal if needed but the original documents are not accessible per UAS.
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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The collections agency ( Transworld Systems XXXX called on multiple occasions and claimed to only have called a few times. They left multiple voice messages. They used rude and threatening language - said that if I did not pay the bill to them that they would immediately hang up and say I refused to pay the debt. Note that this was for a small amount of medical debt which was mailed to the wrong address, and which I never actually received a bill for so I was confused where this had come from. I tried to figure out what exactly I owed and who I should get in touch with to pay the debt that was owed and they refused to give that to me and repeatedly threatened that if I did not pay them directly that they would say I refused to pay the debt. In reality I was willing to pay the debt, and wanted to try to figure out if this was a scam or real debt - I noted that when I had checked my credit report there were no collections on my account. In this day and age with all the phone scams I just wanted to make sure that there was actually debt that I owed. She then again threatened to say that I was unwilling to pay the debt. She said that she would hang up on me and was not being helpful in working with me or determining where the debt had come from. She used a very aggressive tone against me, and when my son tried to help me ( because I am an XX/XX/XXXX and do not necessarily speak the best English / understand everything she was XXXX she refused to speak with him and threatened to hang up / report that I was unwilling to pay the debt.
|
| 02/14/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
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I had 3 private XX/XX/XXXXloans from XXXX that were originally through XXXX XXXX. I was sued inXX/XX/XXXX Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with XXXX and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private XX/XX/XXXXloan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.
|
| 09/30/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I was contacted by Transworld Systems Inc. about a default student loan debt they are attempting to collect on for XXXX XXXX XXXX. My original loan amount was for {$11000.00} and they are claiming I have a balance of {$17000.00}. I asked what I need to do to dispute this debt amount and they would not share that information. I also asked the representative the date this debt went into default and the time-barr status, he refused multiple times to give me this information. After the representative asked how I intended to take care of this balance I informed him that I would not be making any activity on this account until they verified this debt by sending me the appropriate documents through the mail. I provided him with my address where they can send me the documents and 18 days have passed, I have received nothing. He also asked me what my annual income was and wanted the address of my employer, I told him I was not comfortable sharing this information. I received another collection call a few days later with the same routine and I reminded them that they are required to mail me verification of the debt within 5 days. I told the representative that I did not want to receive any more calls until they mail me verification of the debt. They have called 2 more times since then, but I declined to answer the phone. They have ignored my requests for documents and refused to share information on the account with me multiple times. I can not do business with or make payments with a collection agency who conducts themselves this way.
|
| 05/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had a military star credit card with XXXX while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this.
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with XXXX comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the XXXX. I have read multiple complaints about XXXX taking far more money than owed by veterans.
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the US XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.
|
| 03/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against Transworld Systems Inc located in XXXX, MO. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XX/XX/XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXXand not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 07/01/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have submitted 3 separate disputes via Consumer Financial Protection Bureau against Transworld Systems # XXXX # XXXX # XXXX.
I believe your company has violated several of my consumer rights Specifically you : Failed to validate a debt at my requestFDCPA violation Continued to report a disputed debt to the CRAFCRA violation Continued to attempt to collect a disputed debtFDCPA violation Ignored my cease and desistFDCPA violation Not only have you ignored my prior requests for validation of debt but also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature License proof to collect debts in my state As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summons to court or take action against you.
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA.
I may seek damages from you if warranted.
Sincerely, XXXX XXXX XXXX
|
| 01/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX I visited XXXX XXXX XXXX in XXXX, MO which required a XXXX XXXX. The XXXX XXXX was read by a separate entity -- XXXX XXXX XXXX XXXX XXXX, also in XXXX. I received two bills from XXXX XXXX XXXX ( for this and a separate XXXX XXXX visit ) and paid both in full. I was recently informed by a credit monitoring service that I had an account in collections from XXXX XXXX XXXX ( an entity that to my knowledge I never received services from ) on XX/XX/XXXX which was opened on XX/XX/XXXX for {$280.00}. Upon investigation ( calls to XXXX XXXX XXXX billing number ) I was informed they had attempted to send bills to my address which were returned for an inaccurate address. When I asked about the address they had, they acknowledged they had no apartment number listed and had done nothing to attempt to verify the accuracy of the address while also acknowledging that sometimes address are 'not supplied correctly ' by those they contract for. The phone number they had listed for myself was accurate and they acknowledged they never attempted to contact me via phone to ask for a correct address or inform me that I owed them money ( or even had a relationship with them ). In summary, my excellent credit score has been significantly impacted through no fault of my own due to incompetence and/or negligence by XXXX XXXX XXXX who had six months to attempt to contact me to inform me of the bill and did not. Instead they referred my account to a collection agency whom I contacted within minutes of being informed of the amount owed.
|
| 06/26/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I was unemployed XX/XX/2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan. This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX that my loan defaulted and not any fault of my own. I have made multiple attempts to try and get this situation resolved; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.
|
| 04/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against Transworld System Inc located in XXXX XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld System Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX County Precinct XXXX incident includes both XXXX and XXXX XXXX # XXXX Collection was put on my account for a XXXX XXXX bill for {$620.00}. This was put on my credit account first XXXX by Transworld Systems without any validation of the credibility of this account. Although they have been notified this is fraud it has been reported since then to XXXX and XXXX, and possibly XXXX. My account has been frozen and I pay to have it monitored by them due to fraud by XXXX. I have never had a XXXX XXXX account. Last year I battled XXXX who started out saying I owed them about {$860.00} for XXXX which later became more than {$1300.00}. I fought them I believe until XXXX of last year 2019 to prevent that from going on my credit because I discovered it when I went to activate my XXXX watch and they claimed I had an unpaid bill. It was not my account and I was unaware of that account until then. I had about 14 years of cell service with XXXX and no late payments. I also had XXXX for about the same length of time at XXXX XXXX XXXX XXXX XXXX Texas XXXX where I have lived for about f9 years. I have never had a XXXX acct or a XXXX XXXX account., I have never had a XXXX XXXX account. These were both opened in my name according to XXXX who is the only server in this sleezy apartment complex in XXXX Texas where I have never lived. They opened the XXXX XXXX acct in the same time frame and at the same service address. TSI added the apt address to my account. I have never lived there and they had no right to report that as my address.
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from Transworld and found out I owed about {$78.00} to XXXX. I paid Transworld I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called Transworld a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
|
| 07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Several months ago I started receiving debt collection letters from Transworld Systems Inc . The first letter had my name spelled incorrectly and my address incomplete. I called the company to dispute the debt ( allegedly from " XXXX XXXX, '' a company I have never done business with ) and they said they would get me more information about when and where this alleged purchase was made. I never heard back from them with additional info, but did receive a phone call a month later asking me to pay the debt. I told the representative that I did not owe this debt and ended the call.
In the past several days I have received two more collection letters from Transworld ; XXXX has a creditor of " XXXX XXXX , XXXX '' and the other has " XXXX XXXX XXXX , XXXX '' My name and address are now correct ( likely because I told them the correct spelling and address when I called about the first fake debt several months ago ). After the second letter arrived, I called Transworld again to dispute the debt, and again was promised more information that never materialized. Today I received the 3rd letter and am not even going to bother calling this dishonest, unlawful company this time.
I am being harassed by this company with these repeated letters attempting to collect debt I do not owe. The amounts are fairly low ( the most recent letters were for {$50.00} and {$29.00} ) but the fact is that I never did business with these companies and do not owe them any money. I would like these fraudulent attempts to scam money from me to stop.
|
| 12/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received an alert on my XXXX credit report that I had a new collections. I was surprised since I've paid down/off most of my outstanding debt this year. I disputed the charge and it came back verified as my account. I called the agency to figure out the original creditor. I called on XX/XX/XXXX and was told they couldn't find an account and would call be back in 30 mins. I received no call back. I called back on XX/XX/XXXX and was told I had 3 different accounts and those accounts did not match what was reported on my credit report. I asked for a itemized statement since I've never received one from the original provider, apparently the system is down and they said they will send it later. I called Transworld to just pay the XXXX account since I'm in the process of refinancing my house and was told I needed to pay {$560.00} instead of the {$390.00} reported on my credit report. I also asked for a receipt and she told me that the bank statement will serve as my receipt. I told her that was unacceptable and will need something in writing that says this account has been resolved. I almost positive I wont receive one since I haven't received an initial letter that I had an open account with them. I only found out about the account when I got the alert from XXXX. The rep that took my payment over the phone was RUDE and not customer friendly. Here words to me were " We can't tell the computer when to send the updates to the credit agencies '' and " You transaction on your bank statement will serve as your receipt. ''
|
| 09/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I had a missed called from TSI ( Transworld Systems Inc. ) at XXXX XXXX this morning and I called them back not knowing it was this company at the time, I talked to an agent and I asked them what this was regarding of and the agent told me a personal business matter so she asked me if I was XXXX XXXX and confirmed it was me and she then stated this was an attempt to collect a debt behalf of XXXX XXXX and she stated I owed this debt that is profane language used against and heres why because 1. The term debt means any obligation or ALLEGED obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment, not once did she validate this alleged debt. 2, I never gave this debt collector prior written consent directly to contact me pursuant to 15 usc 1692c which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at ANY unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 2. Ive been receiving emails from this common which is inconvenient towards me on separate occasions. Im holding this company criminally liable for violating the FDCPA per 15 usc 1611
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Good afternoon, I received notification that I have an amount due in collections. I contacted the debit collection Transworld Systems. I have disputed the charge. I contacted the company XXXX. They changed the billing information for my account without my authorization and entered someone else 's credit card for my account. They failed to notify me any balance owed or that my payment was declined for a year.
It was for auto insurance payments. I requested the invoices. In two invoices it states I owe a balance. In the previous statement I was informed that I was getting a refund.
The invoices were not created at the time the payment was due, or past due. They were created in XX/XX/XXXX and XX/XX/XXXX. My policy with this company ended in XXXX of XXXX.
I contacted the company. They claim they tried to draft the payment but could only collect a partial payment. XXXX XXXX told me the last 4 of the card on file. I have no card that has those numbers. They had tried to use someone else 's card that I have never had on file for my account. I even have the original authorization forms with correct information. All payments from XXXX XXXX were drafted off of my correct card.
I now have this is collections damaging my credit due to the mishandling by their billing department of my financial information. I did not receive any notice. One that states I am being refunded was sent to an address I haven't live at since XXXX and it is not an address on my insurance policy. I didn't live there when I started the policy.
|
| 01/31/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
To Whom it May Concern, I'm XXXX and waiting for XXXX XXXX XXXX, I have a hearing on XX/XX/XXXX. XXXX XXXX has been denying requests for payment arrangements. I have XXXX XXXX XXXX XXXXXXXX. I am immunocompromised, and had been working 10-15 hours a week just to survive, to not lose my home.
My federal student loans have been forgiven because of my XXXX.
Ive contacted UAS since XXXX, I submitted information multiple times and each time I was told that I did not submit the information required for a payment plan. They have denied all forbearance and one account is a {$370.00} a month. I don't even make that in two weeks. Last month I had to make a payment on a credit card and this month I'll have to do the same, otherwise they will report my credit and lower my credit score significantly.
XXXX XXXX has been showing predatory loan practices with me for years now. My original student loan balance was {$25000.00} and it is now at {$40000.00}. I graduated from university XXXX of XXXX and was diagnosed in XXXX and XXXX of XXXX. While waiting for XXXX they have been stacking interest and fees that will make it impossible for me to pay back.
My home is all I have left and I guess they have the loan secured by my home, which I never authorized. I really need help. I currently can't even use my right hand, as I developed XXXX XXXX XXXX over the holidays.
In short, XXXX has been delaying a payment plan and it is forcing me to pay and amount that is over 50 % of my income and they are actively ruining my credit.
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have 4 ( four ) student loans with UAS/XXXX. Two of the accounts ( number XXXX and XXXX ) showed 3 ( three ) missed payments each at the end of XXXX for a total of 6 ( six ) missed payments.
I found the problem on XXXX report early XXXX. All these accounts are paid by automatic debit and have never been late.
I immediately called the creditor and confirmed that was an administrative error. They promised they would update the reporting by the end of the month XXXX XXXX XXXX.
After that the account ending in XXXX showed 2 missed payment ( no longer 3 ). Nothing changed on the other account and I still have a total of 5 missed payments on both accounts erroneously posted against my name.
I called again and again XXXX/Chesla, but they never gave me a definitive answer nor returned the multiple requests for a solution.
I also filed multiple complains with XXXX, but they did not solve the problem either. In one of the complains their response was that the account was already updated and the complain was closed, but nothing changed. This was the reason I am filing this complain.
Just want to note that this is not only an inconvenience. I am trying to finance a major real estate purchase and this reporting is causing by credit score to be under the level I would otherwise be entitled to better rates. I had to postpone the financing decision because of this problem.
PS. I only see this issue with XXXX and not with XXXX I am not aware if the other credit bureaus are also reporting, but my real issue is with XXXX
|
| 08/01/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
I was in a Chapter XXXX bankruptcy that was XXXX in XXXX of XXXX. A few months later I started receiving collection letters about student loans. I spent hours on the phone trying to sort it out since I had n't received any other notification from any of them. XXXX XXXX XXXX did not want to give me the information regarding the lender and said I had to work with them. I tried contacting chase to get it squared away and thought I had it set up on deferment. In XXXX I got a letter from XXXX and XXXX XXXX offices stating I was being sent to collections. The man on the phone was very rude and I asked multiple times for the information for the company that had the loan and what exactly it was for. I said that I had already worked with the lender and he said that I had to set up payments. He had me concerned that I would have my wages garnished so I started trying to negotiate with him and when I told him there was no way I could afford those payments he got even more pushy. I told him I was at work and could n't do this at the time. I have since received a couple other calls and a letter from an attorney stating a suit has been filed against me and they would like to represent me. I have yet to receive anything about this suit and ca n't seem to get in touch with anyone that will help me.
The amount on the letter is {$10000.00} and the letter from the law firm is dated XXXX/XXXX/XXXX.
Letter came in my former name of XXXX.
I do not find it fair that I did n't get any notification until an attorney is involved.
|
| 12/14/2021 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
I began law school in XXXX of XXXX. Since then, UAS Connect has requested payment and submitted " past due '' notices and reports to credit bureaus 9 times. The reports on my credit report reflect past due payments for XX/XX/XXXX, XXXX - XXXX of XXXX, and XXXX - XXXX of XXXX. Not only did I dispute these reports on XXXX XXXX over 6 times, I emailed UAS customer service 3 times between XXXX and XXXX. I received one response on XX/XX/XXXX citing that they corrected my deferment status. However, they made no attempt to correct my credit score. Each time learned a payment was late, I paid them because I did not know any better.
I recently spoke with a representative, seeking payment on my " past due '' account on XX/XX/XXXX. I told her that my account is and was in deferment from XXXX XXXX. She confirmed that each past due notice was made in error and that I should not have been penalized on my credit report. However, no correction has been made. I called a second time on XX/XX/XXXX to request the changes be made immediately, but was told doing so is " impossible. '' As a result of their refusal to correct 2 years worth of negligence, my credit score fell upwards of 200 points. I can't apply to the only credit cards or car loans I can afford. Most importantly, I have to delay my application to the California Bar until my credit score is repaired. UAS Connect was put on notice in XXXX, again in XXXX, and for the third time in XXXX. UAS 's conduct is not only predatory, but reflect willful violations of the FCRA.
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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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.
|
| 08/22/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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Already made one complaint about this company, to provide me with proof of the debt, that the debt is mine, and the collection agency XXXX XXXX XXXX indeed bought the debt. They have provided that, but this debt wasnt paid since XXXX. I have never got any letters about payment or lawsuit form XXXX XXXX XXXX. What I read about the lawsuit agreement between the consumer financial protection nurse and XXXX XXXX XXXX, they arent supposed to be able to, attempt to collect from debt that has passed the statute of limitations, and or post negatively on peoples credit it they dont either have the appropriate paperwork, or if the debt is uncollectable due to the statute of limitations. The statute of limitations on private student loan debt is 3 years in North Carolina. Again this hasnt been paid upon since XXXX. I understand that this debt will be placed in charge off status, and still be seen on my credit report. I am trying to start over and become a homeowner again, and cant due to this negative posted collection for XXXX $ that is past statute of limitations for collecting and a lawsuit. I am asking for XXXX XXXX XXXX to charge off this uncollectable debt, and stop posting negatively upon my credit report as agreed upon by XXXX XXXX XXXX vs the consumer financial protection bureau.. thank you for your time with this. I have not made XXXX XXXX of new debt since XXXX, and have either paid off or charged off a total of XXXX $ in student loans and credit cards. Thank you for assisting me to be a homeowner again.
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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|
When I got to know about the debt collection via credit karma notification, I immediately called the debt collector company TSI ( trans world systems inc ) to get more information on the debt.
On XX/XX/XXXX, I called TSI and was informed to me that there is a debt on my account and if it is cleared, this will not be reported to any of the credit bureaus and the account will be closed.
I was given a discounted price to pay of the debt and I was under the impression that by paying off, I will be safe as they will not report it to any of the credit agencies. So I settled the account on the same call and thought everything is settled per my community with the TSI agent.
On XX/XX/XXXX when my loan officer tried to pull the scores, I got to know that the debt collection has been reported on your credit history and I was shocked to see that. I was under the impression that the account will be settled and it will not be reported to anyof the credit agencies but TSI has reported to credit agencies even after me settling the amount.
Please look into this at the earliest as I was almost about to buy a home and die to this unexpected reason, I had to hold off from buying a home for my family.. I got penalized even after settling the account.
I also reported this to TSI and they are doing an investigation on this from there side.
Paid off the account on XXXX XXXX, XXXX XXXX reported to credit agencies : XXXX XXXX, XXXX ( as paid status ) where they told me they will not report after me settling the account
|
| 10/24/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.
15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.
15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
|
| 11/22/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
|
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XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XXXX of XXXX. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XXXX of XXXX. Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX as of yet.
|
| 08/10/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
XXXX XXXX and XXXX got a judgement against me and I wasn't even invited to the hearing. Then they garnished my wages in XXXX. I was shocked and called them. They said I owed for a student loan and there was nothing I could do. So they garnished my wages for a while and then I got laid off. Then I got a job working for the XXXX via XXXX through XXXX XXXX XXXX and I didn't want my wages garnished again, and I was scared and ignorant and called them to do a payment plan of XXXX a month. Paid that for over a year. Then I realized that I could do an excemption as I was heal of household. Called XXXX XXXX XXXX and told them that I was going to file that, and that I was not authorizing them to take payments out of my bank account anymore. They said fine, but we'll get you when your daughter turns XXXX. I also asked them to provide me who the loan was originally from. They refused to do so. Then I got a notice from XXXX XXXX XXXX XXXX XXXX showing the loan interest I had paid for XXXX. Put the two together and realized that XXXX XXXX XXXX bought the loan from XXXX XXXX. I know of no loan that I ever had from XXXX XXXX.
Now the my daughter has turned XXXX, they are calling me again. I am starting a new job soon working for the government through a contracter. They are obtaining a Secret Security Clearance for me, and I'm scared that the fact that XXXX XXXX XXXX garnished my wages once, and may again with my new job, that I may not be able to get the Sec. Clearance, and then I will lose my job. Please HELP!
|
| 02/19/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
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It's been over 10 years since this problem began. My oldest son attended a private school in Texas in the city of XXXX XXXX to play XXXX for them. The administration, coaches, and financial aid office stated to us that they would help our son get his education. We were told that he would have XXXX XXXX and would not cost us for him to attend the school and play XXXX for them.
Fast forward to this present time. In XXXX my tax refund was taken by the government. In XXXX I was able to hire an attorney to represent me to dispute these erroneous charges and the opposing attorney dismissed the case. But then another one arose and that's why the garnishment was done.
Also there's a private student loan discharged from a bank called XXXX that they wrote off and had discharged the amount but still shows it active on my credit report. In XXXX we filed a chpt XXXX due to medical problems and loss of wages and included any private student loans that the law allowed us to discharge.
I just need advice on what to do in this matter. In 35+ years of credit history I was never late not 1 payment at all. But since I was medically not able to work the hours I was used to, I lost my wages, which forced me to file a chpt XXXX. The judge understood my plight and had accepted my financial bankruptcy. She even stated in her decision that's why the law was put in place to help individuals like my wife and myself when things that can go wrong financially in life that we need such help to restore back what is lost.
|
| 11/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It doesnt state what the debt is related to a financial product ( like a loan or credit card ), the notice must contain the name of the creditor to whom the debt was owed on the itemization date.
The account number associated with the debt.
The name of the creditor to which the debt is currently owed.
The amount of the current debt and an itemized list of any payments made and added fees, interest, or other charges.
The Notice of Debt must contain a statement advising you of your rights under the Fair Debt Collection Practices Act ( FCPA ), including a statement that you have the right to dispute the debt within 30 days of receiving the letter.The notice must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute : This is not my debt.
The amount is wrong.
Other ( you will need to supply additional information. ) The date of the last statement or invoice provided to the consumer by the creditor.
The charge-off date.
The date of the last payment applied to the debt.
The date of the transaction that gave rise to the debt.
The judgment date, if there is court judgment on the debt.
THE COLLECTION LETTER DOESNT STATE A HUGE MAJORITY OF THIS I have no idea what this debt is and states that its from two accounts. I dont have two accounts of anything so I have no idea what this is and I believe itsa fraudulent scam with an attempt to scam me into paying this. This isnt on my credit report please help
|
| 04/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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I noticed XXXX items on my credit that I did n't recognize that were listed by XXXX so I got their # and called them, the girl said they were tolls from XXXX..I live in XXXX ... I told her I just wanted them gone and agreed to pay XXXX to do so, the girl refused to send me an email or letter spelling out that they would settle account for that amount. She said they do n't have " the legal dept '' to do that ...???? I just wanted proof they would close these accounts for that amount as they said they would. I asked for her supervisor and a validation of debt because I did n't remember being in illinois then, and she gave the XXXX thing and said hold on, the supervisor came on who said first thing that she was busy and what did I want???? Seriously?? She also refused to send a letter or email and told me I had til XXXX their time or the price would go up, and HUNG UP ON ME!
almost three weeks later, I get a letter from Trans World Systems saying that they now have my debt, and I need to call THEM. I called Trans world, and the girl said they ARE nco???? I nicely explained what happened before and that I was willing to close out the account even tho I was n't sure it was mine, I just wanted some proof before I gave them my credit card that they would indeed close the account out for that amount, the girl got snippy with me and again refused, take it or leave it, oh, and ya, now its {$430.00}!!!!! Who are these shady people and why are they switching my account to different but same companies???
|
| 09/08/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
I am a former student of XXXX Colleges and attended the XXXX campus. I was conned into taking out their so-called XXXX loans referred to as XXXX loans. The CFPB sued XXXX XXXX for XXXX XXXX dollars for illegal predatory lending. Unfortunately I was n't able to receive any relief from these predatory loans because my loans were sold before the lawsuit. This in my opinion is unfair, as I was still a victim of predatory lending, and it shouldnt matter whether or not these fraudulent loans were sold or not!! They are still fraud!!! Now they have been sold once again to UAS. I refuse to make any payments on these loans, and I disputed the validity of them with XXXX as well as the FTC. The loans have since been removed from my credit report. I received a notice in the mail on XXXX/XXXX/2015, stating if I didnt make a payment, i would be turned over to collections, and forced to pay all of the fraudulent loan plus fees. I am unemployed, I have no money, and I will not pay this fraudulent loan that I did n't get relief from.
It should n't matter that these loans were sold prior to the lawsuit. What matters is, I AM A VICTIM OF PREDATORY LENDING!!! This company is getting away with fraud!!
I want relief from these sickening loans!! I want this lending company to cease contact with me. They told me on a recorded line, that they had nothing to do with XXXX XXXX and they could do what ever they wanted. It is my understanding that they have to abide by the same rules as XXXX did, regarding the lawsuit.
|
| 11/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not a refusal to pay an alleged debt! TRANSWORLD SYSTEM INC claims that I am obligated to pay them an alleged debt associated with account # XXXX. TRANSWORLD SYSTEM INC shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If TRANSWORLD SYSTEM INC can not provide the original instrument or proof that it still exists, then TRANSWORLD SYSTEM INC shall send me an original statement affirming that TRANSWORLD SYSTEM INC did not sell the original instrument because if TRANSWORLD SYSTEM INC didn't sell the original signed instrument of indebtedness ; then TRANSWORLD SYSTEM INC should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when TRANSWORLD SYSTEM INC produces the original instrument or proof that it has not been sold, which proves that I am obligated to pay TRANSWORLD SYSTEM INC. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX, and TRANSWORLD SYSTEM INC that shows I agreed to do business with TRANSWORLD SYSTEM INC XXXX with DELMARVA POWER or on behalf of XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
|
| 04/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.
|
| 01/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Nationwide Credit , Inc .
XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX Account XXXX Dear Nationwide Credit , Inc., This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. If this is not removed from my credit report I will be suing your company.
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt.
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
Thank you,
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Transworld Systems is listing a tradelines on my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. report.. This trade line states the account was opened XXXX, XXXX and was added to my credit report this pass XXXX XXXX, which is against the rules of XXXX, XXXX, and XXXX and the credit reporting agencies reporting it.
1.This debt should be verified, and the date will state the debt is not older then 1-year therefore ineligible to even appear on my credit report.In addition, I requested the company validate the debt which they did not provide me with any documentation to prove the debt is mine. I never received one piece of documentation from the collection agency even notifying me of the debt. The only notification I received was the placement on my credit report. Again this is a violation of the FCRA credit reporting act.
I am requesting immediate deletion of the tradeline for all three of my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}.
Account that is listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$2200.00} Date Updated XX/XX/2023 Last Payment Made XX/XX/2023 High Balance {$2600.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Pay Status >Collection< Date Closed XX/XX/2023
|
| 07/11/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a phone call on XX/XX/XXXX from XXXX XXXX with Transworld systems stating that I owed over {$22000.00} to XXXX XXXX XXXX also known as XXXX XXXX. XXXX states the paperwork came across her desk on XX/XX/XXXX. I requested her to verify debt with sending me the original note and loan and she stated that she was sending information to my email. I provided her with my email address to send original documents. XXXX advised me that she would give me until Monday to come up with some type of payment as she was going to follow up on Monday XX/XX/XXXX. She also stated that I was previously making payments back in XXXX when i originated the loans which is totally incorrect. I never made payments on the loans. The loan in the amount of {$12000.00} was charge doff and my grandmother before she passed paid it in full because XXXX threatened that they would garnish my grandmothers social security. I then found out that the company that provided the loans which they mailed me checks that did not list the college that i was attending filed bankruptcy Chapter XXXX in XXXX as well. XXXX was aware that i filed chapter XXXX bankruptcy XX/XX/XXXX and advised me that i am now responsible for the debt that was not XXXX in chapter XXXX. I requested numerous times to verify the validity of the debt. I have yet to receive anything that verifies i owe the debt, that transworld owns the loan and the right to collect on the loan or the amount of money that transworld claims I owe is the correct amount due.
|
| 06/06/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I took out 6 different student loans with XXXX XXXX XXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the 6 different private student loans ( serviced by AES ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were Direct to Consumer loans. I am now being sued in XXXX XXXX XXXX XXXX by National Collegiate Trust for each of the 6 private student loans.
|
| 12/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Transworld Systems Inc. is reporting that I have two open accounts in collections ( medically related ) on my credit reports with XXXX, XXXX, and XXXX.
Account # XXXX {$600.00}, and Account # XXXX {$490.00} are both being reporting as negative items by Transworld Systems Inc .
I sent certified mail to Transworld Systems Inc. ( on XX/XX/2018, XX/XX/2018, and XX/XX/2018 ) to validate the alleged debts by providing me with proof that I am indeed the party they are asking to pay the debt.
I specifically requested the date of the alleged medical services, the name of the patients, and proof that there is some contractual obligation which is binding on me to pay these debts.
Additionally, I requested any agreement which grants them the authority to collect on these alleged debts ( i.e proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, Sec 13402. ) as I have never conducted business with Transworld Systems Inc.
As of XX/XX/2018, Transworld Systems Inc. hasn't provided me with any viable evidence ( bearing my signature ) to verify the alleged debts, nor have they provided me with any contractual obligation which is binding on me to pay these alleged debts.
Transworld Systems Inc. has not verified or validated the alleged debts. I have never conducted any business with Transworld Systems Inc.
I do not owe Transworld Systems Inc. any debts and formally request that these erroneous items be immediately removed from all of my credit reports.
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.
|
| 01/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I initially signed up for a one year service contract with XXXX from a man who had come door to door during the summer. I paid for the contract with my credit card and was told that they would email me the documents, which I never received. There must have been a mix up, because they called shortly after I initially signed up stating that they had not received payment, so after checking my account I again gave them my credit card information. They performed the services for the year that I had agreed to.
The contract expired and XXXX automatically renewed it without my authorization. I attempted to call several times and was placed on hold for long periods of time. I finally reached them on XX/XX/21 and they cancelled the contract, but continue to bill me and have now sent my account to collections. I reached out to XXXX directly on XX/XX/21 via text and they told me that if I paid what was owed they would reverse the credit reporting, but I do NOT owe this debt. I asked the gentleman to send me a copy of the contract that I signed and he emailed me a blank copy of a contract that said contracts would be automatically renewed, but since it was a summer sale he was working with the branch to get a copy of the contract with my signature. I still have not received anything.
I have also disputed this debt with the collection agency that XXXX is using.
I do not want this one issue to tarnish my good credit record and I believe I have been more than fair in trying to resolve this issue.
|
| 11/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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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.
|
| 06/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/XXXX, I received a letter from the debt collection company named " Transworld Systems , Inc. '' ( XXXX XXXX XXXX, XXXX, PA XXXX ), claiming that I owed to XXXX XXXX of XXXX {$440.00}.
On XX/XX/XXXX, I wrote a letter to Transworld Systems with a copy to the XXXX XXXX XXXX stating that I already had paid the alleged debt. I enclosed with my response information of the electronic payment that I did ( confirmation number ) and notified that the equipment was pickup by a XXXX employed on XXXX XXXX, XXXX. ( Please, see Exhibit XXXX ).
A few days later, on XXXX XXXX, Transworld sent to me a XXXX letter alleging that the same debt mentioned before was unpaid. I responded again that I already had paid the debt and that the equipment was returned, so, no balance was pending. I also asked for a cease and desist of sending to me their collections letters. ( Please, see Exhibit XXXX ).
However, on XX/XX/XXXX, I received a XXXX collection letter ( dated XX/XX/XXXX ) alleging that the same debt was still unpaid without any consideration to the letters and supporting documents that I previously submitted demonstrating that I paid the alleged debt in full since XX/XX/XXXX.
These insistent and continuously submissions of letters asking for a non-existence debt are obviously an illegal harassment against me. So, herein I am asking from the " Consumer Financial Protection Bureau '' their protection of these XXXX companies ' illegal harassments ( XXXX XXXX and Transworld Systems , Inc ).
|
| 04/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I have a XXXX XXXX card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from XXXX XXXX and not from tsi. Tsi tells me its like XXXX-XXXX more then the statement says when I try to pay them. I called tsi again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number TSI and hung up. Here is the number XXXX
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing in response to the communication I received from Transworld Systems Inc. regarding an alleged debt associated with Account # [ XXXX ]. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of Pacific Concrete F.C.U V Kaunance a copy of the consumer contract is not sufficient evidence of the debt.
I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Transworld Systems Inc. In fact, your company 's name or any reference to Transworld Systems Inc. is not mentioned anywhere in the documents you provided.
As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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In XX/XX/XXXX Transworld Systems Inc reported an account under my credit that does not belong to me. I have tried for 2 months to get this resolved thru the credit bureaus and thru the collections agency at no avail. Transworld 's customer is XXXX XXXX. I have not been able to get a hold of who handles this account on the XXXX XXXX end because at the end of XX/XX/XXXX there was a merger in which XXXX XXXXXXXX bought XXXX XXXX but the merger did not include any Texas service address- the account in question was opened in Texas under a XXXX XXXX XXXX I have provided proof that I do not reside in Texas and that my name is XXXX XXXX. Note that the spelling on the account is slightly different as their costurmer 's last name is XXXX and mine is XXXX. I have never gone gone by the last name XXXX ( my maiden is XXXX ), I have never resided in Texas not done any business in Texas.
I became aware of this account due to a credit alert. I was informed that the service address listed is XXXX XXXX XXXX XXXX Tx. The service date was XX/XX/XXXX.
Transworld indicates that that they are waiting for XXXX XXXX to validate the account but they are not getting any response from XXXX.
I was advised that XXXX XXXX took over those account with a Texas service address that were not assumed by XXXX XXXX- I have contacted XXXX XXXX but they informed me that they do not show my account on their system ( probably because it was already in collections ) and they referred me back to Transworld Systems .
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I have been served a notice by Transworld Systems, Inc that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of XXXX XXXX XXXX XXXX XXXX and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of TSI and XXXX XXXX XXXX to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.
|
| 04/21/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I took a private student loan on XXXX XXXX , XXXX . I was supposed to start paying the loan in XXXX XXXX . My mother was the co-signer on this loan and she included this loan in her bankruptcy in XXXX XXXX . In XXXX XXXX my mother dismissed her bankruptcy and contacted XXXX , the owner of the loan at the time, to ask them to re-affirm the loan so we could start making payments. We were told the loan had been charged off and there was no way to make payments on the loan. I never made any payment on this loan and it went delinquent in XXXX XXXX . Recently I was contacted ( 7 years lat er ) b y XXXX different collection companies trying to collect on this loan. I informed all three companies that the statutes of limitation in California is 4 years and I have no legal obligation to pay this debt. I have asked all XXXX companies to stop calling me, however I continue to receive collection notices and phone call to my cell phone, home phone, and my mother 's cell phone. The XXXX companies are : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number XXXX . They are demanding payment of {$20000.00} 2 ) XXXX XXXX XXXX , XXXX XXXX . XXXX XXXX XXXX , NY XXXX Phone number XXXX . They are demanding {$16000.00} 3 ) U nknown company, received letter by mail with no Company address, Phone number XXXX Processing number XXXX . They are demanding payment of {$19.00}. I have copies of all three letters/notices.
|
| 08/31/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My XXXX XXXX XXXX student loan was set to come out of forebearance and begin repayment on XX/XX/XXXX. The current servicer of this loan is University Accounting Services ( UAS ). I made my first call to UAS on XXXX, since I noticed on the first bill they sent me the first payment was for the full amount of interest in the amount of {$1200.00}. I asked them to add that on to my principal balance because I could not afford that kind of payment all at once. The team lead I spoke with assured me that they had to look into this but would get back to me within one week. On XX/XX/XXXX, I wrote them an e-mail to follow up since I had heard nothing, again the response was we are still working on it. I have since heard nothing despite contacting them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They claim that XXXX XXXX XXXX the original creditor has to make this decision and has not gotten back to them, they both have literally had almost 5 months to respond to my request. My concern is they are reporting this to the credit bureaus as late or past due or not paying as agreed, which will then negatively affect my credit scores. I am fine payinig what I owe within a reasonable monthly payment, but I can not afford to make a {$1200.00} payment all at once. We are in the middle of a pandemic and inflation is quite crazy for basic things like rent, food and gas. This is poor service from both XXXX XXXX XXXX and University Accounting Services. I need a resolution ASAP.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dear Sir/Madam, I was sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XX/XX/XXXX. The entity claimed they owned my private student loans. However, they did not have the proper documentation to prove this. In XX/XX/XXXX, XXXX decided to dismiss the case against me with prejudice and drafted a Release and Settlement agreement. XXXX refused to accept my redlined changes and the document was never executed. XXXX District Court ended up disposing of the case for statistical purposes which means in other words the case was dropped. As a result of XXXX meritless claims my credit score has been negatively affected. I am unable to get a loan for much needed home repairs as I had a basement flooding recently. I know that it is a violation of CFPB policy for an entity to submit false information to the credit bureaus in order to collect. In XX/XX/XXXX, CFPB have filed a consent order against XXXX and Transworld Systems ( TSI ) and this was one of the reasons. I know I can not be the only individual who has filed a complaint against XXXX in this regard. Please have XXXX remove all negative collections, trade lines and amounts from my credit report. They have no right to continue to impact my credit score when they have no legal standing. I have filed complaints with the Credit Bureaus but they are unable to conduct a proper investigation. CFPB needs to intervene and request that XXXX and TSI remove all trade lines, negative collection amounts from my credit report immediately.
|
| 12/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
To whom it may concern : On XX/XX/2019 I wrote a letter to Trans world Systems, XXXX XXXX XXXX, XXXX, DE XXXX ( collection Agency ) concerning medical bills ( 3 ) in total. I requested proof of contract to substantiate their claim to collect. They responded with a bill, not the proof I requested, within 30 days. On XX/XX/2019 I wrote another letter stating they are violating ( The Health and Insurance Portability Act ) giving them an additional 30 days to respond, with proof that I have a contract with them, and they sent nothing! So, on XX/XX/2019 I wrote another letter to ( Trans world Systems ) a third time giving them an additional 10 days requesting proof, they sent nothing. On, XX/XX/2019 I wrote a letter to XXXX XXXX the ( original creditor ) asking them to send me proof that I gave them permission to give my medical info to a 3rd party ( Trans world Systems Collection Agency ) they never responded. I'm filing a claim against Trans world System Collection Agency who has continually reported to the three credit reporting agency derogatory medical collection, violating the law. Please assist me in this matter, as you can see I've communicated with them several times month after month to no resolve. Thank you for your time.
It's reporting on my credit file as follows : 1. Trans world System, Partial Account # : XXXX, Amount : {$430.00} 2. Trans world System, Partial Account # : XXXX, Amount {$120.00} 3. Trans world System, Partial Account # : XXXX, Amount {$120.00}
|
| 10/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
You are the collection agency and you want me to fill out an identity theft form and send you a police report a copy of my ID my social security number and the utility bill. I am not about to send you all of my accurate information for you to have on record and use against me for an inaccurate account that I am currently disputing. I sent you the utility bill which shows that I was clearly living somewhere else well before this account charged off and had a different utility company. You have what you need to remove this inaccurate information from my credit report it is your job to find out who the account belongs to or who put it in my name not mine. You have not complied with the federal law because you sent me a statement as validation of the debt and that does not prove that I owe the debt because I don't owe the debt it only proves there is a balance. THIS ACCOUNT IS NOT MINE I WAS NOT AT THAT LOCATION DID NOT LIVE THERE AND PROVIDED PROOF THAT I WAS ELSEWHERE WITHIN THE SAME TIMEFRAME THAT IS ON THE SUPPOSED PROOF YOU SENT ME! PLUS 2 MONTHS PRIOR WHICH FURTHER PROVES THIS IS NOT MY ACCOUNT! REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IT IS INACCURATE! AND YOU ARE ILLEGALLY REPORTING TO MY CREDIT REPORT! Please resolve this issue because if I have to take further action and look into legal aid I will just have to do that at this point. I have tried to resolve it with you guys and you keep trying to beat around the bush on the absolute facts and proof I am giving you!
|
| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX Transworld System INC.Also XXXX there is an account that was previously deleted and re added XXXX XXXX that I would like a certificate of accurancy.
|
| 07/18/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
From XX/XX/XXXX through XX/XX/XXXX I was in forbearance with UAS LLC because I was living well below the poverty line. In XX/XX/XXXX I submitted an income based repayment plan application for monthly payments in amount {$120.00}. As of XX/XX/XXXX, I can not find record of the approval for the IBR in the UAS LLC portal, but I do have a XX/XX/XXXX message in the portal from customer service telling me to send the completed application to their email ( outside of the portal ). On XX/XX/XXXX, I made my first payment of {$120.00} and have been paying since.
On XX/XX/XXXX, I received an email from my parents in which they sent a scanned PDF of a physical letter they received at their address ( my 'home ' address registered with UAS LLC ) claiming that I am delinquent on a payment of {$420.00}. The letter is on my XXXX XXXX XXXX College letterhead ( my institution ) and is signed by the school 's Director of Student and Departmental Account Services. On XX/XX/XXXX I sent an email to the director and to the UAS LLC addresses provided in the letter about how both of the organizations failed to adequately and fairly communicate with me in a timely manner about the charge.
It is outrageous to me that UAS LLC and XXXX XXXX XXXX College think it's okay to communicate nothing about the alleged charge from XX/XX/XXXXto XX/XX/XXXX, and then think it adequate that a single paper letter from XXXX XXXX XXXX College in XX/XX/XXXXis fair and sufficient notice about the demanded payment.
|
| 05/11/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
My private student loan of {$40000.00} was issued in XXXX. Till date I have already made payments of {$26000.00}. However, the lender younomics claims that as of XXXX XXXX, XXXX, I still owe the full principal amount of {$40000.00} plus interest for a total of {$67000.00}. Further, I believe that the lender did not disclose the actual interest I would end up paying nor the breakdown of interest and principal. They knew at the time of signing the loan, that it was not reasonably possible to pay off the loan and that I would perpetually be in debt, yet they failed to disclose this fact. Moreover, I have been repeatedly requesting for more than a year, in writing and through phone calls, that the lender send me a copy of the loan contract. Each time the lender 's agents promise to that, but never send the documents, further evidencing that a full disclosure was not made at the time of issuing the loan and that they took took advantage of my vulnerability of prospective graduate student looking to get admitted immediately. Also, I have been repeatedly telling the lender and its billing company, that I want to speak to somebody with authority or the legal department for possibly revising the loan terms, that I was disputing the amount, and that they should not do an adverse reporting of my credit scores unless I spoke to that person. Yet, they went ahead and reported the credit agencies that my loan was delinquent for 3-59 days thereby adversely impacting my credit scores.
|
| 02/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My company credit card bill, originally from XXXX XXXX, has been sent to collections through Nationwide Credit , Inc and I have received the collections statement. I went on a company issued training trip to XXXX, XXXX and was informed to use the card for flight tickets, room and board, food and XXXX testing to reenter the United States and to fly. I also had to cover payments for another employee on the trip, who did not get card authorization prior to travel, so their card was declined. The company let me go and has now discontinued paying the credit card payments.
I notified the original creditor multiple times that I was not responsible for the bill, and that the debt was not valid under my name, as it was a company card and issued trip in which I was asked to use the card. I was also required to assist the other employee financially on the trip. The original creditor continued to call, harass, and got very unprofessional with me, threatening me to pay the debt that was not mine. I let them know I did not agree with the debt and asked them to contact my employer for payment. I also attempted to contact my employer. However, they ignored all communication and still sent the account to collections under my name.
The company required that I put my name on the account for the training trip, even though I did not desire to do so. No effort was made by either party to contact my employer and rectify the bill in that manner as their name is also on the credit card.
|
| 12/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My lease insurance agency is XXXX XXXX Deposit , my previous apartment complex is XXXX XXXX XXXX XXXX submitted a claim to my insurance agency, XXXX, and XXXX paid them via check on XX/XX/2023. XXXX XXXX cashed that check XXXX XXXX XXXX. So Im paying XXXX because XXXX paid that balance for me. TransWorld Systems keeps emailing me and saying I still owe about {$920.00} to XXXX XXXX and that I had to pay them to get the debt settled. The debt shouldnt be in collections in the first place. I spoke with XXXX via phone XX/XX/ and the rep told me that the account is not in collections and that they sent XXXX XXXXXXXX a check after the XXXX submitted that claim to them. The TransWolrd Systems rep XXXX XXXX XXXX XXXX XXXX I spoke to, did not properly answer my questions in a way that I could understand and she sounded like she mumbled every time she told me that they would get into contact with [ insert mumbling here ] to get the situation resolved and I HAD to pay through them to get the balance settled. XXXX already covered the balance via check, that check got cashed, Im paying that balance off with XXXX. Im not paying {$1800.00} for a debt of {$920.00} that was settled with my lease insurance company. I was more confused after I hung up the call with TransWorld Systems. Im planning on taking legal action with XXXX XXXX and frankly, probably TransWorld Systems as well. Im sending the documents and letters to TransWorld systems to remind them of my rights as a consumer.
|
| 08/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I run a small business and i signed for a merchant services for a period of 4yrs and we completed 4 yrs and i was on month to month for a period of 8 months. A representative from the company visited and said that he will give us new updated machine. ( i had already owned both the machines ). He switched one machine only, he said I own the other machine and signed a new lease.
He said this is a new lease and the old lease is terminated.
when i checked the monthly statements, the merchant services were taking ( withdrawing ) 2 different amounts. old lease amount of {$64.00} and new lease amount of {$130.00}. I called the company and the customer service people were very rude and was not helpful, they insisted that I have to pay both.
I had about 4 to 5 calls and I did not get any help. They did not even connect me to the manager or supervisor, when i requested them. I disconnected the machines and switched the company.
Later they requested the machines to be sent and i did send the machines.
I requested them to settle the issue with a suitable amount, they asked for {$6900.00}, which is beyond my reach.
Later i got a letter from a collection company for {$3900.00}. I replied this company and they stopped all the communication.
Now I have a call from another collection company called XXXX XXXX XXXX XXXX, a person named XXXX XXXX LEFT a message to be called back.
I request you to help me in this regard.
My business is very small and my income is also limited.
|
| 08/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2017 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine.
As a previous victim of ID Theft on XX/XX/2017 I contacted the company reporting the account in writing and delivered by certified mail requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you.
I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.
I have received no response from Transworld System. It has been over ( 7 ) months from the date of my dispute which is over the 30 days time frame making this company out of compliance. Under advise, I wish to informed Transworld System that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
|
| 04/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX tried to collect a sum that was incorrect from me. When I called them on the phone to explain that I owed them {$370.00} less than what they were attempting to collect based on what my insurance company had paid me to cover the costs, they agreed. My insurance company had sent me checks to cover certain costs that were covered, but a month later, requested a part of that payment to be returned to them, which I did.
Because of this experience, I told XXXX on the phone that I would call them back to pay the bill once I confirmed with my insurance company that they were not going to rescind any more of the money that they had provided to cover this bill.
After I confirmed with my insurance company that they were not going to take back any more of the money they had paid, I called XXXX to pay the bill. I was left on hold for many minutes and was finally told to " leave a message '' because no one was available to answer my call. I kept calling and leaving messages every time I would receive another bill and I only received 1 call back from them ( which I missed when picking up my child from school ).
I have just received a collections notice from Transworld Systems for {$370.00} more than what was agreed upon, an action that will now impact my credit score, which I take very seriously.
This company has been deceptive in its debt collection procedures -- charging me more and then making it impossible for me to pay my bill with them over the phone.
|
| 03/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is actually a two-fold issue : attempt to collect a debt that was already paid and attempt to collect more than owed. On XX/XX/XXXX, I received a phone call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX ( XXXX XXXX ). I do not recall the exact amount, but it was around {$320.00}. I had paid this account IN FULL to XXXX XXXX on XX/XX/XXXX in the amount of {$270.00}, which was the total amount due.
After hanging up with Transworld Systems, I called XXXX XXXX and confirmed that my previous payment of {$270.00} was the only amount owed and my balance was {$0.00}. They also indicated that they do not use Transworld Systems for any collections and that they would contact Transworld Systems.
On XX/XX/XXXX, I received another call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX. I indicated to the caller that the account with XXXX XXXX had been settled two months ago and that XXXX XXXX had indicated they did not use Transworld Systems for any collections. They indicated that they would get in touch with XXXX XXXX.
I then called XXXX XXXX and was assured that they had contacted Transworld Systems in XX/XX/XXXX to let them know they should not be calling about this account. I was assured that they would be contacting Transworld again because " this is bordering on harassment. '' ( Their words, not mine ... although I agree. )
|
| 10/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : Transworld Systems on behalf of XXXX XXXX XXXX has tried multiple times, via mailed invoices, to collect a debt of {$31.00}. The current amount Transworld claims I owe is {$36.00}, which includes a " collection fee '' of {$4.00} ''. This debt is not mine and I do n't know how it was attributed to me. I want to lodge a formal complaint that Transworld Systems is harassing me, attempting to collect funds from me for which they are not owed, and attempting to negatively affect my credit.
I want to specify that this debt is not mine as : 1 ) I do n't have a XXXX account # ; 2 ) I do n't have budgetary signing authority at my company.
I tried three times XXXX most recently on XXXX/XXXX/XXXX ) to call Transworld at the phone # on the invoice - XXXX - all three times I received a generic outgoing message that the " person at extension XXXX is unavailable, please leave your message after the tone ''. I want to verify that the mailbox number is not a typo - the message states that long string and does not refer to Transworld being the owner of the mailbox.
To resolve this matter - I want XXXX and Transworld to send me a letter apologizing for and absolving me of this debt. Also in this letter I want verification that XXXX and Transworld have notified all three credit agencies that this debt is not mine and that it is struck from my credit reports.
Thank you very much for investigating this claim, and I look forward to your reply XXXX XXXX
|
| 04/05/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
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|
My private student loans were originally through XXXX XXXX , which were sold to XXXX XXXX XXXX , LLC . I made arrangements to have payments auto-drafted from my account and up until XXXX 2017, th ey were regularly paid. As of XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero correspondence with them about this. They informed me that I have XXXX additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending XXXX University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I am in the process of purchasing my first home and my mortgage lender made me aware that my credit score was XXXX points lower than expected. My credit score is affected by an outstanding medical bill from QUEST DIAGNOSTICS for {$50.00}. Service date of medical bill was XX/XX/XXXX. I am very diligent with paying medical bills so I immediately searched my XXXX and was able to find an email from XXXX XXXX ( XXXX ) dated XX/XX/XXXX indicating I had paid the {$50.00} with my XXXX ending XXXX. See attached for proof of payment.
I immediately called Transworld Systems Inc ( debt collector ). They said I had an outstanding medical bill of {$50.00} ( attached screenshot from TSI web portal ) and I confirmed with them that I had paid it. They said they would follow the standard dispute process for this. I have also filed a dispute letter, attached.
I called XXXX XXXX multiple times between XX/XX/XXXX to XX/XX/XXXX and no one from their billing department is able to retrieve the associated claim because the invoice is from XXXX and all records from XXXX have been purged from their system. I need a letter from XXXX indicating that the {$50.00} was paid timely so that the credit agencies can remove this from my credit report since it is severely affecting my credit and ability to get a mortgage. QUEST is stating that they can not write me a letter because they can not see the related claim in their systems even though I have proof of payment, so I am at a standstill.
|
| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Their pitch : " We Guarantee You're Going To Love It! Samples are great, but we're happy to go a step further. Our first-time customers have the opportunity to inspect our product up close and personal with zero obligation to purchase. '' XXXX XXXX XXXX solicited me about a commemorative plaque. It was sent as a courtesy review, I was traveling and never opened it. I was not interested but it was already delivered. I called to decline and was told I had it over the preview time frame and they demanded payment or I would be sued. I was disturbed by their aggressive behavior and the need to make me feel obligated for a service I did not request. I asked if they would order a return label via XXXX XXXX and they refused with the continued mantra of demanding payment, first with a deep discount and trying to negotiate a lower rate. I was not interested and was clear about my decision to reject the item.
Then sent an invoice for the full amount. Soon after the letters from XXXX XXXX XXXX, came the calls and correspondence from Transworld Systems. I attached a letter dated XX/XX/2019, outlining the events and the proof that the product was returned unopened.
It seems that XXXX XXXX XXXX uses bait and switch tactics to force a sell. I am appalled since the target seems to be women business owners who are recognized for awards. I would never do business with a company who forces products and services on anyone. I found the unprofessional, unethical and aggressive.
|
| 01/13/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
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|
Transworld continues to send the XXXX student loans to collection agencies even after I was able to get the loans deleted from my credit reports. Transworld has sent the loans to XXXX different collection agencies to get me to pay it, I never signed any agreements with XXXX XXXX XXXX or Transworld. The only documents that were sent had XXXX XXXX XXXX on it not XXXX XXXX XXXX. XXXX XXXX XXXX must show proof they own the debt and ca n't just claim they do. I already spoke with a FDCPA attorney on this and XXXX XXXX XXXX must have proof they have the rights to collect on those loans, it is not enough to send promissory notes that I signed with another company and claim that you own them without any proof. XXXX XXXX states they no longer own the debts and XXXX XXXX XXXX should have sent documentation to me that they purchased the loans and have the rights to collect on them. My mother received calls about these loans even though her name is not on them, they told her they were looking for me. Even though that was not a number to reach me and they knew this. I do not want any more collection letters on these loans. I just had XXXX XXXX call me today on these loans but XXXX had the loans about two weeks ago. Transworld needs to leave me alone. I do not owe XXXX XXXX XXXX anything because I never received proof they have the right to collect on the loans because NCT is a trust not a company and per state law they have to follow trust regulations which they have not.
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
Transworld Systems , Inc. ( TSI ) is a third party debt collector. I confirm nor deny any debt owed to TSI or the XXXX XXXX XXXX XXXX Exchange Services ( XXXX ). I believe I have a case of misrepresentation against TSI. XXXX closed and charged off an account, any remaining balance, if any, was sent to TSI for collection. XXXX no longer controls the alleged debt. If XXXX were to be called on the collection they say they have no control over the alleged debt and that it must be handled by TSI, XXXX is a federal organization, TSI is not. TSI, in my opinion, has misrepresented itself as debt collector, in the attached document we clearly see TSI using the Department of Defense seal, as well as the Exchange logo, the seals and logos should not be used by a third party. TSI, is not apart of either government agency, rather they are a third party. In attempting to settle this dispute payments were arranged after receiving these invoices. My understanding is that these payments were going to XXXX. As it clearly appears, it looks as though this is going to XXXX as a invoice/bill from the Exchange. However these payments are going directly to TSI, not XXXX. TSI is representing and appearing to be XXXX and DoD by use of the respective logo and seals. TSI also continues to charge interest and additionally takes a payment fee for every payment made even though it is the sole beneficiary of these payments. I believe TSI has clearly misled and misrepresented itself.
|
| 05/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/XXXX I met with XXXX representative XXXX at XXXX XXXX, XXXX XXXX, ca. XXXX.
XXXX explained to me the XXXX services and fees as follows : 1st Service : {$130.00} ( $ XXXX {$50.00} coupon= {$130.00} ) unlimited service calls for the first 3 months. {$90.00} for the next 3 months and {$90.00} for any consecutive 3 months thereafter.
I could cancel the contract anytime I wanted 3 busines days after the 3 months of service.
XXXX wanted me to sign a contract. Despite my refusal to sign the contract or any agreement, XXXX accepted the terms of our oral contract as described above and XXXX said that he only thing he needed was my Credit Card.
On XX/XX/XXXX I gave XXXX my Visa card and he charged {$130.00} for the Initial Service for XXXX, XXXX and XXXX.
On XX/XX/XXXX I paid {$90.00} for XX/XX/XXXX, XXXX and XX/XX/XXXX On XX/XX/XXXX I paid {$90.00} for XXXX, XXXX and XX/XX/XXXX Last service done at the residence was on XX/XX/XXXX.
On XX/XX/XXXX I called XXXX and I requested to cancel the service.
When I started receiving bills from XXXX I contact XXXX and I was told that I owed another {$90.00} for an extra 3 months because I had not given enough notice. I requested the copy of the contract. Upon inspection of the signature I can confirm that this is not my signature. There for I don't believe that I have any responsibility for this debt.
Te collection agency is billing me for {$75.00} in order to settle the account.
Please see documents attached.
|
| 09/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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Company called TSI keeps calling my place of employment. They ask to speak to me and tell my employer/coworkers who they are with and on a recorded line. They have also contacted my ex wife and claimed that they can not get ahold of me. They explained to her information about my personal finances. When googling this number, ( XXXX ) XXXX, it comes up as a scam risk. They state that I owe money to a state I no longer live in. They also claim that this is dealing with my taxes from XXXX. Its almost XXXX tax season! No communication has come from this state prior to this. The individual calls my ( one phone line ) place of employment daily. This is an absolute harassment towards my employer and directly takes a strain on my employment. If a debt is due to a certain state/entity, it would be sent via the U.S. Postal Service. When telling the individual that it is beyond unethical to contact my place of employment and former partner, they stated that they have tried to contact my cell phone but it goes to voicemail. I asked that they leave a voicemail or send a letter. It was explained to me that they have tried contact me but that my phone must not be working and they are not allowed to leave a voicemail. They have also stated to my ex partner that they can not send mail over state lines ( WI/IL ). I make and take numerous calls on this phone daily. This is pure harassment techniques that are beyond the point of a code of ethics and should not be taken lightly.
|
| 03/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Received bill from XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their private broker, Transworld Systems Inc. ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. No judgements, no notification prior to were given.
Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to XXXX XXXX XXXX XXXX XXXX XXXX.
Called Transworld Systems , Inc. ( using number listed on IRS notification ) XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}.
Mr. XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ).
Mr. XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement.
They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Around the middle of XXXX I checked my credit report and seen a new added collection from XXXX XXXX i immediately looked into the account to try and gather any information I could about the unknown debt. The first action I took was to dispute it with all 3 credit bureaus, and I also wrote the collection agency as well to get this resolved. I waited 30 days to hear back from both parties. I looked more into the negative information and it reports the debt was opened in XX/XX/XXXX for XXXX original creditor was XXXX XXXX now I'm more upset at the negative information because I been with my light company past 2 years so could i open a new account with them. XXXX comes back and says it's verified as my account which is impossible. So I looked into the FDCP section 809 and read upon the unfair debt practices I should have received a letter which gave me a right to dispute. So I decided to call and ask about the account. I asked the lady why are they reporting inaccurate information on my report and to verify the address. She tells me the debt was XXXX and gave an address of a city I never lived in now I'm really confused how did XXXX verify this debt was mines when the information clearly doesn't match. I'm currently trying to buy a house and it's very unfair to have a debt pop up out of nowhere and for them to tell me it's from XXXX that's a 6 yr old debt with a city I never lived in that my credit report is suffering behind inaccurate unverifiable information.
|
| 09/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello, my name is XXXX XXXX and I've had a couple of issues since being switched over to XXXX XXXX XXXX ( XXXX ). Initially, I had difficulty in logging into my account when being switched over from my initial lender so I spoke over the phone with a representative to help me get everything set up. This also entailed getting the online automatic payments set up. Knowing that I would be out of the country in XXXX ( when the next payment was due ), I was under the assumption that everything would be drawn from my account and that I would have nothing to worry about. I come to know that my account was past due and that I had been reported to the credit bureaus. Upon speaking to representatives at XXXX today ( XX/XX/18 ), we have noted all of the above concerns on the account. Secondly, I both XXXX and XXXX have noted that I have 4 missed payments, yet there are only 2 loans and the only " missed payment '' that caused the case to be filed was for the month of XX/XX/2018.
I have never missed a payment in my life and to see this all around the time I am attempting to be another home is quite troubling and concerning. I have submitted all necessary payments and made sure with XXXX that everything is now functioning automatically. Please take my entire history in considering the case, again I have been a model borrower, I have a mortgage and car payments that have never been late. Thank you for your time and consideration. I look forward to hearing from you soon.
|
| 10/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
As above, so below, THE ALLEGED OWED CREDITS, CONSIDRED IN SPEECH BY XXXX INCLUDE A " BILLING ERROR '' .ON SOME DELAY IN MEMBERSHIP BILLING ACCOUNTS, INCLUDING THAT OF Said name Private individual XXXX XXXX XXXX XXXX was not in fact a natural born soul XXXX XXXX XXXX , for a {$20.00} * for updated billing fees, that were not agreed upon in terms of the original agreed contract, based on principal This transaction, if not authorized to debit the checking or debit card of XXXX XXXX appropriately identified and ACH or debit card from fraudulent once the private residential and private individual 's mailing address and banking information was updated, was changed, the correspondence was not represented as cited in Title 9-102. UCC Article 9 - secured Transactions Further more, pursuant to the U.S. Title 15 US Code 1681 ( m ) ; the collection agency, did not properly portray their interest in this contractual agreement, provided a contract under agreement to provide legitimate credit from signer, who is responsible for the Application of payments ; BURDEN OF ESTALISHING, this creating a transaction in the scope or hidden fees. TRANSWORLD SYSTEMS INC. COLLECTION AGENCY VIOLATED THIS 15 US Code 1681 ( m ) which transgresses into the realm or jurisdiction of a U.S. Admiralty laws between a creditor and debtor ; of which within the communication the acquiesced contract was not honored, due to improper representation of which party in fact is the debtor or creditor.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 09/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
|
| 05/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX - Final Account Statement given by original creditor, XXXX XXXX of XXXX XXXX XXXX totaling {$1100.00} XX/XX/XXXX - Request for further documentation pertaining to charges in final account statement XXXX itemized receipts, carpet useful life and install date, etc. ) made to original creditor. No further contact from them.
XX/XX/XXXX - Account placed with Transworld Systems Inc - Account # XXXX - Balance of {$1100.00} XX/XX/XXXX - Letter sent to TSI denying responsibility for debt, request for proof of validity, and notification of no availability between XXXX CST. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Recv 'd Date : XX/XX/XXXX XX/XX/XXXX - Response to request for validation. Documents to include validation consisted of documents already ascertained from original creditor XXXX XXXX XXXX Final Account Statement and copy of the lease ).
XX/XX/XXXX - Call from debt collector attempting to collect debt at XXXX, no name given, call lasted 2 mins 56 secs. Collector was notified that I am refusing the debt in its entirety per the previously sent letter and lack of valid proof of debt. Collector said he would note this on my account.
XX/XX/XXXX - Letter received from TSI with exact same contents as letter from XX/XX/XXXX.
XX/XX/XXXX - XX/XX/XXXX - Constant calls from TSI debt colllectors XX/XX/XXXX - Letter sent disputing debt in its entirety for third time with clarifying requests original made to XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
My office has been getting calls repeatedly from Transworld Systems regarding debt and Garnishment of wages, for a debt XXXX. They have been told, that this is not me, they have faxed garnishment paperwork, when I called in on it I was told if it was not me I could disregard the paperwork. I continue to get calls at the office regarding this issue. It is clear with the information they have available that someone did a quick XXXX search of the debtors name and took down the information that came up, that is why they only have my name and office number and address only. I work hard to keep my business up on XXXX search results. I informed Transworld Systems that the address listed under the debtor information was not mine, that I have not lived in XXXX and the last XXXX of the SSN on the account file number was not mine. I have never gone to school XXXX. I am also sure that the middle name of the debtor is not mine although I was not able to get this information, and was hesitant to give them mine as I was unsure if they would just plug it into the information blanks that they apparently had. Either way, I have asked them not to call, and I have told them I am not the individual they are looking for. Yet they seem to be making no effort to find the correct individual and attempt to garnish my wages, with information regarding another person who happens to share my first, last name and middle initial. I have never even been to XXXX other than a layover.
|
| 07/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Received several calls from this company, but they did not leave a message. I called their number, and asked repeatedly what company they were calling from ; what they were calling me in regards to ; what was the name of their company. Their employees refused to answer my questions, instead they just put me on hold and transferred me to another person. Then they would hang up. I called back again, and finally one of their representatives told me the name of their company was Trans World Systems. They did NOT tell me that this was in reference to a debt. They asked for personal information ( my name, address ) but refused to tell me why. Finally, I told the person that I would be filing a complaint with the FTC if they ever called me again. I asked them to confirm that I had told them not to call me, and the person said yes. Many times during my call, I asked them what this was in reference to, and they refused to answer. The only reason I know that they are debt collectors is from Googling the name of their company. I have not been told what debt this is in reference to, so I can not make any judgment about whether it is an actual debt, or a complete scam. They totally ignored their government requirement to tell me that their phone calls were in reference to a debt. In addition, I believe that they are attempting to mislead consumers with their name. It would be easy to confuse their name ( Trans World Systems ) with the legitimate company XXXX XXXX.
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have contacted Transworld Sys INC on several different occasions. The latest contact was on XX/XX/20 @ XXXX. I spoke wXXXX Employee # XXXX. I explained to the representative that I had no knowledge of the account in question. The representative gave me account details. She said the account was from XXXX XXXX XXXX. Located in XXXX XXXX, Ks. She did not give me a date but she said the address they had on file was a 7yr old P.O Box that I no longer have. I explained to the representative that when I went into the XXXX. I had given the check in my current DL, my insurance card and the information I had filled out had all my CORRECT contact information. I explained that somebody had dropped the ball and failed to ENTER the CORRECT information. But instead took the precious information from an older visit. I explained to Transworld that they also had the opportunity to contact me and failed to. XXXX emp # XXXX said that she had the same address on file. I explained to XXXX ( Transworld ), that they must have received return mail because it is a PO Box . Considering I do not have a Box at the post office. The mail would definitely be returned. I advised XXXX, that I wanted this collection removed from my credit report. They are reporting it twice a month. Once as collection. Once as updated debt. If I would have been notified or the hospital would have took the diligence into doing thier jobs correctly. This bill would have been paid by insurance company.
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I got a letter from NCI ( Nationwide Credit Inc. ) stating that I owed {$870.00} to XXXX as of today 's date they came to my house and did a service call less than 2 weeks ago I never got a bill in the mail and thought I guess due to the pandemic I would receive one. As of today 's date I never got a bill in the amount of {$870.00} and never owed such a large amount of money to this company. I signed up for a monthly plan but never got a bill for {$870.00}. You can not pay a bill if you never got it and you can't ask for money that is not owed. Definitely can not do a service call this week and next week put a customer in collection. This is the most ridiculous set of accounting I have seen I know that I was ill and paid a fee to them that may have been returned and even that amount was never in the amount of {$870.00} which I made an effort to pay them and they closed the account out in a week and forwarded it to a collection not giving the customer enough time to settle the error and forward straight to collections if this company is doing this to me imagine all the other customers they are doing asking for money that is not owed and not billed and you are a customer this month and next month in collections in less than a month. I repeat I never got a bill for {$870.00} in all the time I have been a customer with this company I realize this is a pandemic but should people pay because they don't have proper staff to send a bill that is not correct.
|
| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone shipped stuff and asked XXXX to charge the shipment to my account number. ( By the way, I don't understand how XXXX accepts that without my ID ). When I received the invoice in XX/XX/XXXX I called XXXX right away. I had to call them many times until finally the Fraud Department removed all the charges in XX/XX/XXXX and set the balance of my account to zero. However, in XX/XX/XXXX I received a letter from debt collector TSI ( Transworld Systems INC ) about this XXXX invoice. Since then I have called debt collector TSI and XXXX XXXX department several times. I informed TSI that is a fraud case already solved by XXXX ( case XXXX managed by XXXX XXXX XXXX XXXX XXXX ). Debt Collector TSI says XXXX need to call them to remove my file. When I call XXXX, they confirm I don't owe any money to them. So I ask them to contact the debt collector TSI to remove my file, and they said they will, but almost one month later I still see my file on the debt collector 's website. I am really worried about the debt collector sending me to the credit score agencies for a debt I don't owe. Also, this is causing me a lot of stress in my day-to-day life. I need this issue to be fixed as soon as possible.
Important note : My last login date before receiving this invoice was XXXX ( see attachments ). This proves the fraud was committed offline, not online. I don't understand how XXXX charges a shipment to an account number without verifying the account holder 's ID.
|
| 02/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On Saturday XX/XX/XXXX at XXXX I received a call from Nationwide Credit Inc ( XXXX ) and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of Nationwide as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified NationWide Credit as a debt collector and then called them back to report him but the offices were not open because it was the weekend.
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).
|
| 07/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I broke my lease with XXXX in XX/XX/2021 due to security circumstances. I had to pay a debt to break my lease. I have been having communication issues with them due to their negligence on correcting my online account to pay my bill online. I paid the first portion by money order in person ( this was a 30 minute commute for me ) after I addressed them that if they don't fix this I will have it reported, they finally fixed my online account so I was able to pay the final portion of my bill in XX/XX/2021. However, I was still receiving emails from their parent company. I informed them by email again that I paid my bill and if these emails continue I will report them, so they stopped. However, when I checked my mail today ( XX/XX/2021 ), they apparently sent my " balance '' to a collections company. This is false because I have emails, screenshots, and even I can show you a screenshot that this money was withdrawn from my account to XXXX. They have the money. I don't know what they did with it but considering I did my part, it is not fair that they are demanding money that I don't owe them. After many attempts to warn them of this abusive behavior, I'm now forwarding this as a complaint. I also would like to add that this rental property has a reputation in XXXX of taking advantage of people in the poverty line. They would do all they can to take your money and now I can show my story, because they are trying to do this me, even though I paid my bill.
|
| 11/23/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I had to go to XXXX XXXX XXXX Hospital in XXXX, Maryland on XXXX/XXXX/XXXX with XXXX. Before going there I checked and confirmed with my insurance that they were an in-network healthcare provider. I submitted my insurance card at the XXXX XXXX Hospital XXXX. The doctor who saw me was XXXX XXXX. In dues course of time I received bills from XXXX and paid them immediately. Yet this doctor ( XXXX XXXX ) and her outfit ( XXXX XXXX XXXX XXXX ) failed to bill my insurance for several months. Instead somehow billing my wife 's insurance ( different from mine ) and even received payment from them. They did not submit a claim to my insurance and then sent my account to collections. Once I found out about this situation I called them but they still did not submit a claim. Finally I was able to get my insurance to contact them directly and have them submit a claim in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX XXXX XXXX XXXX ) processed the claim and told me my responsibility to pay is {$160.00}. Yet this company, Maryland XXXX XXXX XXXX XXXX is insisting I owe them anywhere from {$750.00} to {$390.00} ( it varies ) and have been hounding me with a collection agency ( Transworld systems ). I have faxed them the claim statement from my insurance but they have ignored it. I would like to report this company for fraudulent over-billing and request that your Office take appropriate action against this company/doctor and also help resolve my issue.
XXXX
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I had a home warranty through XXXX XXXX XXXX ( XXXX ) contract # XXXX with coverage for HVAC breakdown. During a heat wave this Summer, I opened a ticket for broken AC. XXXX approved the ticket ( covered item ) and sent a XXXX. The XXXX would not fix the issue because he said he was new and did not know how to fix the problem. I called XXXX several times waiting on long holds. The rep did not speak XXXX well and kept reading scripts, but not listening to my complaint. I wanted another XXXX to be sent out to fix our AC ( our family had to sleep at our neighbors house due to 95 degrees in our apartment ). I called back a few more times, getting different reps that also did the same thing, no help. I finally called a local XXXX company and they came out and fixed it the same day - I had to pay a hefty charge. I called again to XXXX to ask for reimbursement, was given a " supervisor '' who said my claim was closed and I owed them the {$75.00} deductible for the contractor coming out. I refused to pay it since their contractor said he didn't know how to fix it and they wouldn't send another contractor. The supervisor said they would send me for collection if I didn't pay them. I told them to cancel the warranty altogether, which also was refused. I stopped the auto pay from my checking account the next day. I do not owe them - they have very DECEPTIVE ABUSIVE PRACTICES to avoid paying a claim, and not providing me any options to resolve the issue.
|
| 08/07/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Although the Co-signed loans were included in Bankruptcy, the said collection company now takes responsibility of the loans sold by XXXX XXXX XXXX ( XXXX ) and in accordance with the " Consent Order '' filed against XXXX and XXXX by CFPB, they are continuing to break the law. See appended document. I was told that the loans have defaulted, even though Co-signed loans were included in the Bankruptcy, they still report negatively towards my Credit report and as a Co-signer to the loan, I was never informed that the loans were defaulted until recently. I never, ever received any notification. If XXXX and/or XXXX has refused to accept the applicable documents and continue towards collections, why was I not notified that the Co-signed loans defaulted? Again, I just found out a couple of days ago.
XXXX before selling the loan to XXXX has committed illegal activities by reporting negatively against my credit report - regardless of the XXXX XXXX. Now XXXX is totally disregarding and not complying with the XXXX XXXX and/or Bankruptcy. They have since mailed documents to my home - when told not to contact me in any manner ...
I believe that there are many students ( borrowers ) just like my daughter that is constantly being silently harassed by XXXX and XXXX ( Simply Disrespecting the Consent Order ). There are so many students complaining about sending payments and their payments were sent back because XXXX/XXXX felt that the money was not enough.
|
| 01/18/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I contacted Transworld Systems, Inc. regarding rehabilitation of my outstanding student loans XX/XX/XXXX. I agreed to a rehabilitation program for the loans they are servicing and was instructed to email my XX/XX/XXXX XXXX. Along with U.S. Mail and phone calls to my cell phone, I have been contacted more than once on my work phone number. During the first phone call to my office, I requested that TSI not contact me at work, because it will interefere with my job. I was told by the representative that the company would no longer do so. When I was called again today, I informed XXXX XXXX XXXX ( TSI representative ) that I had requested not to be contacted at work ; that he would have to call me on my cell phone if he wanted to speak with me. He indicated he knew, but since the last call between he and I on my cell phone was disconnected ( I was driving and told him I could n't talk while driving ) he said he had to call the office. He further said that he was going to put a wage garnishment on me if I did n't follow his directions ; a statement I found to be harassing and threatening.
TSI has three ways of contacting me, other than my office telephone. Clearly, they are ignoring the Fair Debt Collection Practices Act ( FDCPA ), in continuing to contact me via my office telephone number. I have written them an email to indicate, in writing, that they are not to contact me at the office and to use one of the other three methods they have on file.
|
| 03/09/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
In XXXX of 2012 I inquired about obtaining a degree in the medical field/becoming a medical assistant. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my XXXX I wanted to possibly start in XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the XXXX XXXX XXXX to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the XXXX XXXX XXXX.
|
| 04/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to file a complaint against [ transworld ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute.
As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment.
Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future.
I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed.
Thank you for your attention to this matter. I look forward to hearing from you soon
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this debt for months now and XXXX and XXXX continue reporting this on my credit even though I showed them evidence that XXXX deleted this account. I have sent them evidence showing where TransWorld system is clearly giving false information about me to them and yet, they continue reporting this account on my credit and these two bureaus keep validating this debt.
One one occasion in which I have attached evidence, TransWorld notated on XXXX XXXX that I paid {$20.00} toward this debt, which is a clear lie. After reporting this to these two bureaus, the notation on XXXX XXXX suddenly disappeared, but the debt still remained on my credit.
The next lie they have been reporting on my credit reports in " Natural Disaster '' I never told them that I was experiencing a natural disaster as I never spoke with these people.
They also have not provided me with the original contract bearing my actual signature. They just sent some aged printout saying my signature is on file. These are all clear violations of the FCRA and the FDCPA.
I thought I would file a complaint with the CFPB if these people continue to report this inaccurate and false reporting on my credit which is damaging my credit, before I turn this matter over to my lawyer. I would like to resolve this matter amicably and they have yet to tell me what right they have to collect in my state and GA statute of limitations is four years in which this account is past.
|
| 01/04/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I took out a private student loan several years ago with XXXX XXXX XXXX for a little over $ 3K. I filed a chapter XXXX bankruptcy in XX/XX/XXXX ( estimated ). I was informed at that time to stop making payments on all accounts. I was only allowed to make payments via my trustee. XXXX XXXX XXXX was included in my bankruptcy. Sometime in XX/XX/XXXX - XXXX - sold/transferred my loan to Transworld Systems. I received NO communication on this. So when I converted my Ch XXXX to a Ch XXXX in XX/XX/XXXX - I didn't know that this had occurred until I received a notification from a XXXX XXXX XXXX about the student loan being in collections. I was NEVER given the opportunity to work out a payment plan with XXXX and they have put this information on my credit report as a collection account. I have been making $ XXXX monthly payments via XXXX XXXX XXXX, who doesn't report to the credit bureaus, however Transworld is reporting my account as a collection account. How is this legal? I was NEVER given an opportunity to pay this account with XXXX as they sold the account to Transworld AFTER I had filed bankruptcy. I DO NOT OWE Transworld anything! I should have been allowed to pay this debt to XXXX and they should not have filed this as delinquent while I was in a Chapter XXXX & Chapter XXXX - just to put a collection on my account after my bankruptcy was discharged. Can someone help me get this removed from my credit? I don't see how this process was legal.
|
| 05/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a letter on XX/XX/XXXX from a collection agency named TransWorld XXXX XXXX the letter stated I owe them {$240.00} for a medical bill and it listed the medical facility name. I did use that medical facility in mid XXXX for an emergency. I am a 100 % XXXX XXXX military vet. I have XXXX different types of medical insurance that I provide every medical facility and all my bills are 100 % paid. So I was shocked to received this letter from this unknown collection agency. I have called and spoke to the medical facility billing department 4 times since receiving this letter trying to extort {$240.00} from me. The medical facility billing department and the doctor billing department does not have any balances owed in my name. They double and tripled checked their records on every call. I have no balance with anyone. I don't owe anyone. They even asked for the fraudulent collection agency name that is trying to extort {$240.00} out of me. They have never heard of this company. So why is this fraudulent collection agency sending me a letter for an account that doesn't exist and trying to extort {$240.00} from me? The original creditor listed on the letter.. has told me on 4 separate occasions I have a {$0.00} balance with them because my XXXX different medical insurances paid my bill in full, like they do for every medical bill I get. I want this fraudulent collection agency TransWorld Systems Inc to be held accountable for their fraud..
|
| 08/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear Consumer Finance Administrator, I would like to file a grievance with XXXX XXXX XXXX at XXXX ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ) for filing a collection for {$81.00} with Transworld System Inc. I contacted their office on XX/XX/XXXX and was advised that this collection was for cleaning and exam done for XXXX XXXX on XX/XX/XXXX. Upon checking with XXXX XXXX, it showed that XXXX XXXX paid {$61.00} for cleaning. This is disturbing to me because payment was issued by my insurance and I always have their office administrator XXXX check to make sure that insurance will cover our service before coming in. When they advised me of a balance due, I told them we can apply the {$100.00} coupon that was given to me for any balances not paid. They advised that the coupon can only apply on day of service which is not right because they should have advised me to apply it on day of service because there would be balance due. And neither of these things were done. Now XXXX XXXX wants to collect on this service for XXXX XXXX on XX/XX/XXXX for {$81.00}. I would like for XXXX XXXX to remove this collection for {$81.00} from my credit report ( the statue of limitation in CA is 4yrs ), honor his coupon for the exam charges and adjust the balance owing as XXXX XXXX did pay {$61.00} for cleaning. Attached are XXXX XXXX payment to XXXX XXXX and XXXX coupon for a {$100.00} discount. If you have questions, please call me at ( XXXX ) XXXX. Thank you.
|
| 05/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has sent an amount of XXXX to collections.
-Transworld Systems Inc. is the debt collector. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed a medical service for my doctor 's office.
XXXXThey were never accepted by health insurance so they would try to bill XXXX for thousands of dollars and XXXX would send me checks for a much smaller amount that I would endorse and send to XXXX XXXXXXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX always accepted the checks as payment. If I spoke with them on the phone they would take whatever amount XXXX offered.
XXXXThey never sent me a bill directly in 5+ years of my doctor using their services.
-As of XX/XX/2023 my doctor terminated his relationship with XXXX XXXX XXXX XXXX XXXX
-Since then they have started sending all of his patients already settled accounts to collections.
-I received notice of the debt via email from Transworld Systems Inc XXXX I have never given them or XXXX XXXX XXXX XXXX my email address.
-The notice states that I now owe XXXX as of XX/XX/XXXX due to interest totaling XXXX since XX/XX/2023.
-They have also never sent me any documentation about what services I owe them money for.
-A search on the internet quickly returns the same experience by many other patients being harassed by XXXX XXXXXXXX XXXX XXXX and Transworld Systems Inc XXXX
-I have disputed the full amount, requested validations details, both online and in written form.
|
| 06/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I agreed to a resolution regarding a disputed XXXX XXXX account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of XXXX XXXX. The Nationwide Credit representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by Nationwide Credit from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative.
The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not.
I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but Nationwide Credit 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further.
I expect XXXX XXXX to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, XXXX XXXX ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.
|
| 05/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I open an account with the company call XXXX and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ fourth transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to XXXX account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ XXXX file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection TRANSWORLD SYSTEM INC saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection
|
| 09/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Around XXXX XXXX I noticed a negative account on my credit report. I called to inquire about the debt. It several attempts to find the info. I noticed it was in my maiden name and the debt collection agency would not give me more info. They were interested in me paying the debt. I got a letter in the mail showing that the debt collection agency sent from the original creditor. On this bill, it has my maiden name, a very old address I lived at over 15 years ago, but the dates were several years ago. At that time I didn't even have utilities in my name and I do not use my maiden name.
I have tried disputing it several times with the credit bureaus but it keeps coming back as validated debt.
I called the original utility company to see why was the debt sold to a collection agency that was not mine. I spoke with 3 different representatives and no one could find the debt in their system. I provided them with all the information and there was nothing there. They found another old bill in my name that was paid in full.
Basically, I have a debt that is reporting on my credit report. It shows the dates XXXX & XXXX for {$160.00} from Transworld TSIXXXX. The original credit ( XXXX XXXX ) has no information on this debt. They were unable to locate it. I am not sure how this TSIXXXX got this debt.
It is reporting on my credit report on XXXX XXXX XXXX which is negatively impacting my credit score. I should not have to pay a debt that is not mine.
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Received two collection notices from TSI ( https : //tsico.com/ ) on behalf of XXXX for one of my companies. Called them to see what they are referring to since we're usually pretty current on our shipping bills. Was told it was for two shipments back in XXXX or so. Said I'd have to verify with XXXX to confirm they were unpaid. Had a pleasant conversation with someone there who, when I asked, advised me that yes, I can still pay them directly thru XXXX ( and therefore save the agency 's 14 % fee ).
Went to the XXXX site, called them, paid the bills in full. TSI has been calling me about the so-called 'late charge '. The thing is the XXXX doesn't have a late charge. When I called they confirmed the bills were satisfied in full.
TSI continues to call me and say they want their money. My response is always civil ; I speak with them and explain they're not entitled to a debt processing fee since they didn't process any payment. I've told them several times I am not ever going to pay. They continue to call and are belligerent when I respond that way.
BTW 14 %!? Really? How is that legal? How can that be a fair percentage for sending a biull and processing? It's not as if they own the debt ; XXXX still was the debt carrier.
I'm guessing this is happening to hundreds of individuals and firms as XXXX is a large company. I have even reached out to them to make note that perhaps TSI isn't the best collection arm to align themselves with.
|
| 01/15/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX, I opened a consolidation student loan through XXXX XXXX XXXX. The consolidation loan made a disbursement to a traditional student loan also held by XXXX XXXX XXXX on XX/XX/XXXX. Said disbursement resulted in an overpayment and, as such, the traditional student loan has remained open.
After discovering the overpayment, on XX/XX/XXXX I called the consolidation loan servicer, XXXX XXXX XXXX, XXXX ( XXXX ), and requested that the overpayment be applied to the new, consolidation student loan. I was told by the customer service representative that this would take 3-4 business days to complete and that, thereafter, the traditional loan would be closed.
On XX/XX/XXXX, I checked my account via XXXX 's website and noticed that rather than the overpayment being applied to the consolidation student loan, the original payoff from XX/XX/XXXX had been reversed, leaving the traditional student loan with a balance. My consolidation loan in turn had a larger balance, confirming that the payment had indeed been reversed.
Since then, I have called three times per week, and each customer service representative has told me that they have emailed your e-check department and have not had the courtesy of any reply. This is unacceptable. As of XX/XX/XXXX, I have received a bill with a due date of XX/XX/XXXX for the traditional student loan. It has a balance and it has accrued interest and the account is now open and accruing daily interest.
|
| 03/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX TRANSWORLD SYSTEMS INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information which has been sent to collections on my credit report. After extensive examination of my medical records, Ive discovered that the below balances were never billed to my insurance company, XXXX XXXX XXXX XXXX. listed below are the accounts in question.
Please verify for each of these accounts, what I am being billed for, and an itemized copy of the services I am being billed for. Please also confirm that these services were not billed to my insurance company, and please confirm that I am not liable for these balances since my insurance company was not billed in time to get these account balances settled. A copy of this letter has been sent to XXXX, XXXX, and XXXX as well. These accounts were removed from my XXXX and XXXX reports already, but they remain on my XXXX report. I have verified numerous times that my insurance company was never billed for these alleged services. Please advise.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00} Sincerely, XXXX XXXX
|
| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX.
I was a member for years. I joined this company for home warranty protection.
So you pay a monthly fee. When you have an appliance that needs to be repaired, in addition to the monthly fee. You pay {$75.00} before they come out. They request you use a credit card. I used XXXX XXXX. You give them your card over the phone etc.
My problem was that the company kept my card and continued to charge me even though I was paying them monthly through my on line banking account. I didnt know until months later when I inquired about why my XXXX XXXX billed kept a balance.
Once I was informed. I contacted XXXX XXXX XXXX for the return of un authorized charges. They refused. They said my monthly payment has gone up. So they used my credit card for the difference. I informed them that they shouldve informed me by telephone, letter or email. That my charge was only used for emergencies.
I wrote XXXX XXXX XXXX. Complaint # XXXX-Ref # XXXX. It was not resolved. XXXX XXXX XXXX wouldnt return my money. Said I could cancel. So I did. I accidentally paid them through bill pay the following month. Was unable to cancel. I recently got a bill from a collection agency requesting payment from XXXX XXXX XXXX as a debt collection. Nationwide Credit , Inc. NCI XXXX. I contacted them. They informed me that if I paid them {$240.00}. They would stop billing me. I informed that I wasnt paying. To stop contacting me. That XXXX XXXX XXXX owes me.
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
There was no category for coercing payment. I was trying to buy a home, I was pre approved. When trying to finish my application after my offer was accepted, a collection reported on my account. I was told it must be paid and cleared for my mortgage to go through. I called TransWorld Systems Inc. to verify the debt so I could pay it later as I was buying a home. The agent then pressured me to pay that day under the promise of removing it from my report so I could then go forward with my mortgage. I was promised total account deletion by TransWorld Systems , INC for full one time payment within 90 days of collection being opened. I did not get anything in writing, not the debt or the promise to delete for payment. I Contacted the company Several times to remind them to remove it from my credit as I was trying to buy a house. I was then told that unless I have an email or letter, they will not remove anything. I contacted the original creditor and they told me they had expedited the account for deletion by their collection representative because I did pay immediately in full. It has been 2 months and its still ruining my credit and I lost my ability to buy a home. I only paid that day ( XX/XX/2020 ) without proof because the company promised to delete the collection and I needed it gone to buy a house. I was coerced to pay an unverified debt because they knew how impactful their collection would be in my ability to obtain financing.
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| 07/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is Transworld Systems. When I called the line it was some new company called XXXXXXXX XXXX XXXX XXXXXXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.
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| 08/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In late XXXX, I received a letter from XXXX XXXXXXXX XXXX XXXX XXXX claiming that I owed them {$1100.00} relating to damage to a rental vehicle with which I was involved in a minor accident and for which they claim I am responsible. Because there was no damage to the vehicle in question resulting from the accident in which I was involved, in XX/XX/2020, via phone, I asked that XXXX send me a copy of the police reporting relating to the accident but continued to receive multiple letters claiming that I owed the money. Finally, on XX/XX/2020, after asking via phone on multiple occasions, I did receive a copy ( via email from XXXX ) of the police report in which it is written that there was only minor damage ( scratches to the bumper ) to the vehicle in question. I advised her that I didn't think I was responsible for the debt because there was no damage caused by the minor accident I was in and the claimed date of loss was almost a month after the date of the accident. The vehicle may have been damaged, but I didn't cause the damage. Notwithstanding all of this, the matter was sent to a collection agency ( Transworld Systems Inc. ) and they sent me a first letter dated XX/XX/2020 and continue to send subsequent letters. I have now been sent to collection for a debt that I do not owe and which has not been established that I owe. I worry that this improper attempt to collect a debt I do not owe will soon show up on my credit report.
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| 07/30/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
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| 06/19/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This company handles Perkins Loans for XXXX University. I have not been a student for over 4 years and I had all my student loans forgiven through XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX, I reached out to XXXX and gave them all the information regarding the XXXX approval and had a conference call with XXXX, XXXX and myself to have this taken care of then. Then, in XX/XX/XXXX of this year, I see that this loan was reported on my credit report in XX/XX/XXXX of this year. I called XXXX University and found out that XXXX is in charge of the Perkins Loans. After confirming with XXXX and XXXX that this reporting on my credit report was from a XXXX XXXX that was to be forgiven by XXXX over 2 years ago, I was asked by UAS to send over the approval letter again to show that I was approved. I sent them this documentation, along with the original email with them in XX/XX/XXXX. I was told by XXXX that this should have never been reported on my credit report and they would request that it be removed immediately on XX/XX/XXXX. After several emails and talking with experian, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to XXXX, every time I dispute this, they correct information instead of just accepting the dispute. I have several emails from XXXX saying that this account is handled by XXXX and from XXXX saying that this should have never been reported to the credit agencies.
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| 12/12/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XX/XX/XXXX XXXX XXXX closed my account. I started to get monthly deductions on my my military pay ( LES ). I have the LES that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my LES XX/XX/XXXX it shows the balance owed to the XXXX XXXX at XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter saying that I had a balance of XXXX. owed on my XXXX XXXX and they were collecting it. I informed them it was paid off and had my pay stubs ( LES ) to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XX/XX/XXXX to XX/XX/XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XX/XX/XXXX XXXX XXXX took my wife 's and my XX/XX/XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my military pay statement deductions. If it turns out after making the comparison between my LES 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company Transworld Systems. Can you please help me?
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| 01/19/2016 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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" XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.
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| 01/07/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid in full, the medical debt that I owed to the collections company Transworld Systems Inc. After I paid in full, the collections agent proceeded to tell me that they " report regularly '' to the credit bureau . I then asked what reporting regularly meant and I was told " we can not give you any kind of time frame ''. I told them I simply wanted to know what their business practice is and if regularly, meant reporting on a monthly basis or every few months and they continued to respond with " we report regularly and we can not give you any kind of time frame ''. I was also told that even though I paid in full, they will not remove the collection from my record. I am lead to believe that as a consumer, if you try and settle your debt and even pay in full to a collections company you have no guarantee that the collections will be removed from my credit and no guarantee of when it will be reported that it is settled and in good standing. Is it legal for a collections business to collect money from me and then withhold information regarding when they will report my collections paid in full to the credit bureaus? This is extremely frustrating as I gave them my money and attempted to settle a MEDICAL debt so that I could attempt to improve my credit and qualify for an auto loan to purchase a vehicle. I was not told until after they collected the money that there is no guarantee of when they will report it to the credit bureau.
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| 11/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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The servicer of my Perkins Loan changed to XXXX XXXX on XX/XX/XXXX. The loan was in deferment because I am a full-time XXXX student, and after it was transferred, I repeatedly had issues with XXXX XXXX recognizing my full time student status. I sent them my enrollment status in XX/XX/XXXX and was told the loan was in deferment. However, in XX/XX/XXXX, I discovered that the loan was not in deferment and I was going to start being charged monthly payments. Not only did XXXX XXXX not contact me about changes to my account or subsequent monthly charges, but failed to provide any documentation explaining the status of my account with or a breakdown of charges and fees. I contacted XXXX XXXX via phone and email during XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, my deferment status was finally accepted and retroactively started on XX/XX/XXXX. The charges posted to my account were removed expect for interest and late fees that accumulated during my dispute about the status of my loan during XX/XX/XXXX and XX/XX/XXXX. Via email and telephone, XXXX XXXX representatives said that charges posted to my account would be removed including principal charges, interest, and fees. As of XX/XX/XXXX, my account still shows fees and interest accrued since my loan has been in deferment. I have called and emailed XXXX XXXX over 5 times between XX/XX/XXXX and XX/XX/XXXX, and been told the problem would be fixed, but the charges have not been removed.
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| 02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Transworld System Inc. is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. Transworld System Inc has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Transworld System Inc. is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX and if documentation proves my position, a complete disassociation with Transworld System Inc. would be in order.
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| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I must thank you for what you are doing. The thing is that I was asked to take a XXXX ( XXXX XXXX ) to start with my activities in my school. I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I showed them the XXXX ID of the insurances ( XXXX, XXXX and XXXX XXXX ) and the " nurse '' told me I didnt need to pay for anything. Then, they asked me to come back on XX/XX/2019 to check my arm. I showed the insurance ID cards once more and the person who saw my arm said I didnt need to pay for anything either. Now, I received a letter saying I need to pay XXXX {$44.00} for them. Im NOT going to pay for anything because after explaining lots of times what happened to the company which brought me as XXXX ( international teacher ) te situation, they told me to contact one of my insurance company whose name is XXXX. The person from XXXX said to me that I needed to ask XXXX XXXX to submit the claim to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ). I sent an email to XXXX XXXX on XX/XX/XXXX letting them know how they can submit the claim to XXXX but I keep having this debt. In fact, I have been receiving letters from XXXX XXXX XXXX XXXX telling me about consequences if I dont pay the debt. I feel intimidated and harassed by both XXXX of South Carolina and XXXX XXXX XXXX. When trying to call the XXXX XXXX of South Carolina, you can use more than XXXX minutes of the phone without any answer. They do not take calls. Abusive people!
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| 03/14/2016 |
Yes |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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In XXXX XXXX, I was involved in a collision while operating a rental car from XXXX. I purchased a liability waiver for the car, but failed to get third party/total collision insurance. XXXX cars were considered a total loss.
On the scene, I was issued a ticket, went to court a few weeks later, and paid the fine. The other party involved was not present at court.
In XXXX XXXX, I received a letter from XXXX damage recovery unit stating that I was not liable for the damages incurred to the vehicle I was driving.
In XXXX XXXX, I receive a collections notice from XXXX XXXX XXXX in an attempt to collect {$25000.00}. When I inquired about the charge I was informed that the other individual in the accident settled with XXXX, and because I did not purchase the total liability waiver, XXXX did not have to engage me in conversation regarding negotiating the settlement amount. They also stated that the only breakdown they needed to provide me was that the individual was paid {$2500.00} for his XXXX XXXX XXXX and {$23000.00} in personal injuries.
I could have hired a lawyer to represent me and negotiate the claim.
When I asked why the notice went straight to collections, XXXX stated they sent me a letter and because I failed to respond within 30 days they sent it to collections. When I asked if they had proof of delivery or proof that the letter was mailed out, they said they did not need to provide me with any documentation.
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| 11/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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there is a fraud account that was opened in my name. I have requested information on all accounts in my name. the company can not verify my signature. the company has never sent me anything on this debt. I have never opened an account with XXXX XXXX. XXXX just keeps selling this debt off to XXXX different collection companies. The amount they are trying to collect is {$460.00} This account was opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.Threre is not even a house at this address, it is a vacant lot. I have never lived in XXXX XXXX. I have never given anyone permission to open an account with XXXX XXXX. I have been dealing with this since XXXX. Someone used my previous married name. I have not used that name since XX/XX/XXXX. I have disputed this debt with the credit bureaus several times. Each time it gets taken off as fraud, until XXXX resells the debt to another collections company. Then it returns to my credit report. then the cycle starts all over again. I want this information off all my credit reports and blocked from ever getting reported back on again. This has been reported to XXXX XXXX, XXXX state attorney 's office, Federal Trade Commission ( identity theft report ), local XXXX sheriff office, the XXXX in XXXX XXXX, all collection companies, XXXX XXXX XXXX XXXX XXXX XXXX and the internet crime complaint center. The social security admin fraud department. My next recourse will be to contact an attorney.
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| 03/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Hello, I noticed a big drop in my credit score ( from XX/XX/XXXX ) in XXXX, XXXX. I contacted XXXX and realized it was because a collection record was added by Transworld Systems. I contacted them and found out I missed a medical bill during my move from XXXX to XXXX. Even though I had USPS forwarding services ( a lot of other mails were forwarded successfully ), I never received the bill, nor did I get informed about this missing payment. I never received any notification about this collection until I found out in my credit score myself.
I paid off the debt over the phone in XXXX, and explicitly asked if my credit score would go up. The representative said yes, which turned out to be partially true eventually the record will go away in 7 years. However, due to my lack of knowledge of how collection works, I thought this was settled. In XX/XX/XXXX, I was trying to get a home mortgage, and found out my credit score was still pretty low and it was hurting the interest rate I was getting. I eventually decided to hold off on getting a place.
I feel like what the hospital and Transworld Systems has done is not fair. They didnt inform me about this, otherwise I would not have missed it. I never missed a payment and had great credit history before this. Im hoping collecting companies can respect peoples efforts to bu
ild good credit history, communicate and educate people ( instead of just saying my credit score will go up ).
|
| 03/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2016, I rented a vehicle from XXXX XXXX XXXX XXXX The day of my departure, when returning the car, I entered the wrong bay because the signs were positioned incorrectly. As I attempted to exit the bay, the grate was raising before an employee could assist me. This was a traumatizing experience ; I spoke to the manager and he created an incident report and gave me a phone number to contact the executive offices when I returned to XXXX. I called the next day and there were several times we communicated throughout XXXX. In earlier XX/XX/2016, this incident was resolved. At least I was led to believe it was until I received a collection notice from Transworld Systems Inc, in the amount of {$3800.00} with a statement included stating the following ; If you have an income tax refund, perhaps you can use the proceeds to pay this account. Four years and seven months later, this the first time I am being notified through a collection notice. I stated in my dispute letter to Transworld Systems, I was led to believe this incident was resolved, therefore, there was never a need to contact my insurance provider or my attorney for legal counsel, my statue of limits has expired. This is unacceptable and I feel this attempt should not be allowed after four years and seven months, especially during a pandemic. I realize that the rental companies have been hit hard, however, do not try and resurrect an incident that was resolved.
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| 12/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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This complaint concerns two or more health systems under the same insurance plan ( XXXX XXXX XXXX XXXX ) with a {$2500.00} deductible. I was never seen at XXXX XXXX Hospital-XXXX. However, I was seen and had an XXXX XXXX and XXXX XXXX at XXXX XXXX 's Hospital-XXXX Campus and made a payment of {$50.00}. The bill should not have been the amount that it was, given the fact that I already met my deductible. It does not appear that the bill was sent to the insurance company but did list the insurance company name. If the facility believes they are due more, they should resubmit the itemized bill to XXXX XXXX XXXX XXXX.
The second biller was XXXX XXXX Hospital. I was seen at the hospital three times and this is just one bill of likely three that should also be submitted to XXXX XXXX XXXX insurance. To begin I was sent home three times from this hospital and it was even documented by one nurse in the ER that she was not going to treat me on XX/XX/2019. I was told that my XXXX XXXX because it smelled like XXXX which I was on from a XXXX XXXX from possibly contaminated equipment ( XXXX at the XXXX. XXXX XXXX XXXX XXXX ) for a XXXX and/or XXXX XXXX. If the facility was going to bill me after these visits, they certainly could have billed after my XXXX instead of turning me away ; creating a series of ER visits ; not only to XXXX XXXX Hospital but as you can see it was to two other hospitals and my primary care physician.
|
| 11/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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In early XX/XX/2019 my daughter visited The XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ) for an appointment.
The XXXX XXXX had recently changed head providers and therefore, tax ID numbers, and so my insurance ( XXXX XXXX XXXX ) did not cover the appointment.
Several months later I began receiving bills from Transworld Systems , Inc. Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) for the amount of {$270.00} for the appointment.
After conferring with my insurance and verifying that they would not cover the cost, I sent the XXXX XXXX a check for {$270.00} through my bank, XXXX XXXX, which was cashed on XX/XX/2019 ( see attached .pdf titled " XXXX XXXX '' for proof showing the image of the cashed check ).
I continued to receive notices for debt collection for the {$270.00} from Transworld Systems despite paying the amount.
In early XXXX I went to The XXXX XXXX and spoke to the billing department, informing them of the issue and providing a printout of the proof that the check had been cashed ( same as the attached .pdf, " XXXX XXXX '' ) along with communications from Transworld and from their billing department to copy and inform the involved parties.
I continue to receive debt collection notices from Transworld despite paying the amount, with the most recent, printed XX/XX/2019, arriving today ( XX/XX/2019 - see attached document " Transworld Letter '' ).
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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On XX/XX/XXXX at XXXX XXXX, I received an email from the XXXX and XXXX XXXX XXXX XXXX requesting that I sign an Early Termination Balance Forgiveness Contract.
On XX/XX/XXXX at XXXX XXXX, a Cease and Desist Demand was emailed to XXXX and XXXX XXXX XXXX team as they were still requesting payment before the contract was signed.
On XX/XX/XXXX at XXXX XXXX I received an email from XXXX and XXXX XXXX Manager stating that they were not seeking payment on my account, only asset, and as such my request for Cease and Desist Demand did not apply.
On XX/XX/XXXX at XXXX XXXX, the apartment keys were delivered to XXXX and XXXX XXXX XXXX.
On XX/XX/XXXX at XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX Manager confirm that the apartment keys were received via email.
On XX/XX/XXXX, at XXXX XXXX, I emailed a signed copy of the Early Termination Balance Forgiveness Contract to XXXX and XXXX XXXX and XXXX XXXX.
On XX/XX/XXXX, at XXXXXXXX XXXX, I received a XXXX XXXX XXXX - Notification of Service for Case : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, stating that all others for filing have been voluntarily dismissed its claim against Defendant WITHOUT prejudice.
As of XX/XX/XXXX XXXX XXXX and XXXX XXXX sold my private information to Transworld Systems which has reported inaccurate information to the 3 Major Credit Bureau and a balance of {$7200.00} to my credit report which has negatively impacted my overall score.
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened.
16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely.
Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.
" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
|
| 03/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I received a notice from Transworld Systems Inc. ( TSI ) indicating that I owed a debt of {$93.00} under reference/our account # XXXX ( notice uploaded ). I spoke with XXXX XXXX at TSI, who explained that the creditor was Transworld Systems Inc. She let me know that it may have been connected with a rental car company XXXX XXXX and that they were notified of the debt on XX/XX/XXXX. I own a XXXX XXXX truck, which I took delivery of XX/XX/XXXX. Upon taking delivery, I noticed that the truck had issues that required serviceXXXX XXXX reserved a rental car for me upon sending in my truck for service, on XX/XX/XXXX ( confirmation uploaded ). XXXX contract XXXX reflects the terms of the rental, and final receipt provided by XXXX on XX/XX/XXXX reflects {$0.00} owed. Subsequently, I had additional issues with my truck that required a second service appointment. XXXX again contracted with XXXX under contract XXXX ( uploaded ) on XXXX. Again, the receipt I received from XXXX, uploaded, reflects {$0.00} owed upon termination of the rental. To avoid unnecessary impact to my credit, I paid the debt of {$93.00} over the phone with the help of TSI employee XXXX XXXX on XX/XX/XXXX - confirmation # XXXX. I do not believe I actually owe anything, as the receipts I received from XXXX indicate {$0.00} owed and I was never contacted by them for anything owed. Therefore, I would like a refund of the {$93.00} I paid on XX/XX/XXXX. Thank you
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I stayed at XXXX XXXX for an internship program in Florida. I left the apartment complex three years ago, around XXXX after being there for 6 months. I had roommates and they were the ones left there after I have vacated halfway early than our lease term of 12 months. That being said, I did not get any of my deposit back. A year after, they sent me a debt collection notice, an amount of which I do not remember anymore. I moved then from XXXX to XXXX XXXX and I was appalled as to how they have managed to involve me in this matter. Although I left earlier than everyone, I decided to get it over it. And I gave them a portion of the amount through Post Office 's Money Order and sent them a letter stating the rest to be filled by my former roommates, if there is any more problems to come, talk to them since I am not the only one in the lease agreement. I have not heard anything else after then. But recently, Debt Collectors under the name of Transworld Systems Inc. kept sending me attempts to collect payments from me for them once again, when I do not have any liabilities on this apartment. And the amount stated is {$730.00} I am not comfortable with this situation and I feel harassed and cash cowed already. They have sent me a couple of letters already and I do not feel safe since they managed to track me on my new apartment, on a new city and state over an issue that happened 3 years ago and does not involve me anymore.
|
| 04/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I reviewed my credit reports and noticed there was a collection account from Transworld Systems reporting a past due balance of {$270.00}. The original creditor was XXXX XXXX Hospital. I called the hospital and asked if there were any unpaid bills under my name and social security number, and I was told there were none. So I sent a letter to Transworld and asked them to provide me with some kind of proof that I owed the debt that they are reporting to my credit reports. After receiving no response from them, in XXXX, I disputed the accounts with all three credit bureaus ( XXXX, XXXX, and XXXX ). I was informed by the credit bureaus that Transworld had validated that the accounts were reporting accurately, and that I did owe a past due amount of {$270.00}. I sent another letter to Transworld in XX/XX/XXXX, asking that they please provide me with a copy of the statement or the bill, to show where this past due balance was coming from. Again, I received no response from the company at all. I disputed the accounts with the credit bureaus for a second time in XX/XX/XXXX, and again, Transworld has certified that the balance is reporting correctly. I have followed up with the original creditor, XXXX Hospital, several times and they are telling me that there are NO outstanding balances on file for me. I have never received a single communication from Transworld to show me this balance that they claim I owe.
|
| 11/15/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
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.
|
| 11/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX XXXX, I was a victim of identity theft, where my information was used to open or try to open multiple energy accounts with various companies across the State of Texas. XXXX XXXX allowed someone to open 2 accounts in my name with one account accruing {$700.00} in charges and the other accruing {$690.00}. When the accounts were not paid they were sent to Transworld Systems Inc, which reported them to the various credit agencies. On XX/XX/XXXX, was when I was informed of the collections through XXXX. I contacted Transworld Systems Inc and informed them that this was identity theft and that I had previously filed a police report and FTC report regarding my information being used to open energy accounts in Texas. Transworld Systems Inc informed me to submit the reports, along with any other information to them regarding identity theft. I submitted all documents to Transworld Systems Inc on XX/XX/XXXX, along with copies being certified mailed to them. I contacted Transworld Systems Inc the following week to inquire about the accounts and solutions and their response was that their hands are tied until XXXX XXXX can look into the matter. I explained to them that they keep reporting these collections weekly to the credit agencies causing my credit score to keep going down. At the end of XXXX, my credit score was XXXX and now my credit score is XXXX and continues to fall due to weekly reporting of this collection.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
In XXXX an unknown company reported a collection on my account. I disputed this on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with Transunion.
After some research, I determined the account was related to an old account from XXXX. It was an old electricity bill that I never received when I moved. I was made aware of it in XXXX, paid it immediately as agreed, and obtained a release of debt from the original creditor / agency ( XXXX XXXX / XXXX XXXX ). At that time in XXXX I disputed the charges, provided my release of debt letter, and it was removed from my reports with all 3 bureaus.
Providing the release of debt letter this time around, resulted in only 1 of 3 bureaus removing the information ( XXXX removed it but the others did not ). Not only is the debt more than 6 years old ( possibly past the statute of limitations ) and already settled and paid as agreed, abut the 2 agencies in question are reporting it as a new collection with a date of XX/XX/XXXX.
Recently, I applied for a mortgage and noticed my scores with XXXX and XXXX are over XXXX points worse than my scores with XXXX. This error on their part is costing me significant money in addition to the time I've spent and frustration I've felt in dealing with this error.
XXXX doesn't even have a way to dispute the item, when I log into their system it doesn't show up as an item that can be disputed. I had to dispute it thru XXXX XXXX.
|
| 07/17/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
XXXX XXXX XXXX ( as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client XXXX and XXXX, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for XXXX and XXXX XXXX XXXX and XXXX ( as XXXX ) telling me to call the other party about the server 's full name.
I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from.
The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false.
The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.
|
| 12/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX an account from TRANSWORLD SYSTEMS INC. appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them.
I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf.
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY!
This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!
|
| 12/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Transworld Systems received a collection account on me for a medical bill from 2 years ago. It was {$260.00} and the original creditor was XXXX XXXX. It had been billed to my health insurance and I thought they paid it. I tried to refinance the mortgage on my house and when they pulled my credit report on XX/XX/20 they informed me that Transworld had a collections item on there, and because of that I was denied my refinance. I called Transworld on XX/XX/20 and asked them what they did to notify me of this debt before sending to my credit and they told me they sent me a letter. When I asked for proof of it or a date they sent the letter, they admitted to me that there was a mistake and they never sent me a letter to notify me. I explained to them that since they reported to my credit without any attempt to contact me, they needed to clear this up with the credit bureaus and get it taken off my credit and they refused even after I paid the balance. I did a dispute with all 3 bureaus and they all updated it to say " paid in full '' but are still not removing it from my credit. The next week I received a letter in the mail from Transworld notifying me of the account ( the letter they should have sent to me as soon as they got my account ) dated XX/XX/20 so it seems to me they sent it out when I called them on XX/XX/20 to attempt to cover their tracks but they had already reported it to me credit before XX/XX/20.
|
| 07/30/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was not aware of this student loan company I only had loans with the department of education and XXXX and XXXX and have never heard from this company in XX/XX/XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX XXXX that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XX/XX/XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX and XXXX. They garnished my wages in XX/XX/XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XXXX of XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XX/XX/XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.
|
| 03/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX, XXXX we received a letter from Transworld Systems , Inc. stating their records indicated we owe a balance of {$210.00} to XXXX XXXX XXXX Support for a medical bill incurred for our son. On XXXX XXXX, XXXX we phoned Transworld and requested written verification of this bill. On XXXX XXXX, we contacted the XXXX provider and were told no such balance was owed on this account, nor any other XXXX account. Transworld mailed us a copy of our statement from XXXX reflecting that a {$210.00} charge was incurred on XXXX/XXXX/XXXX. It also clearly states at top and bottom of statement that patient balance is {$0.00}. However, their correspondence does not address the balance, nor indicate that their attempt to collect this payment, is no longer being pursued, as a result of reviewing our provider 's statement. We are requesting that this agency immediately withdraw and cease this collection attempt and wrote a letter to the agency with a copy of our medical bill statement on XXXX XXXX, XXXX. As of today, we have not received a response. I am mailing a second copy of our original letter to Transworld again today. We would like written verification that this collection attempt has ceased as a result of updated and accurate information. We do not wish to see this false information fraudulently reported on our credit reports. Any assistance you can provide in resolving this matter will be greatly appreciated.
|
| 07/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a notice dated XX/XX/21 on XX/XX/21 From Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
This notice was to inform me that they were collecting a debt for XXXX XXXX in the amount of {$41.00}. The notice stated that if I did not dispute this in writing within 30 days of the notice they would assume this debt is valid.
I have received no notice from XXXX that I had an outstanding balances. I get bloodwork done quarterly with them and my insurance covers everything at virtually XXXX cost to me.
So this struck me as odd. I checked my XXXX patient portal and it does not show that I have any outstanding bills. So I called XXXX XXXX Billing Customer Support and asked them if I had any outstanding balances or if anything was sent to collections? I was told they had not and that everything was up to date in their records.
This is an obvious attempt at fraud and needs to be reported and communicated to the public as most people would probably just pay the small amount listed in the Collection letter.
I have responded to them by mail ( as per Transworld Systems Request in their letter ) with a Cease and Desist notice regarding this fraudulent attempt at collecting money from me. If they continue to attempt collecting this debt I will update this complain.
I would suggest launching an investigation into their collection practices as I have seen numerous complaints about them online.
|
| 07/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have been disputing a bill from XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX. The dispute keeps coming back as a valid bill. I went to XXXX XXXX XXXX hospital back in XXXX and was treated for a XXXX XXXX. I was not having a XXXX XXXX I told the physician on duty that I believe I pulled a XXXX in XXXX XXXX. They held me there for 12 hrs and treated me for a XXXX XXXX. But when was released I was given a prescription for XXXX XXXX that was never noted in the hospital notes. I disputed this bill with XXXX XXXX XXXX and they did drop their portion of the bill. I have been in dispute since XX/XX/XXXX with XXXX XXXX XXXX XXXX which is now in a debt collector 's hands Transworld Systems. I contacted Transworld today and the bill is for {$1400.00}. They said the best they could do is settle for a {$1000.00}. I do not feel I should have to pay this because XXXX XXXX 's agreed to drop their portion. I've been trying to get this removed from my credit reports. It keeps going in and out of dispute and Transworld said they could not help me. I am XXXX. My wife does not work so she can take care of me. I feel I'm being taken advantage of the system. All I want is this removed from all 3 of my credit reports. I am ready to get an attorney so I know what my rights are. I have had enough. I spent over 1 and a half hours on the phone today with Transworld XX/XX/XXXX and got no where. I need to know what my rights are.
|
| 10/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I reached out on Monday, XX/XX/XXXX to XXXX to correct my enrollment and loan status. It is Friday, XX/XX/XXXX. I am currently enrolled full time in a graduate program and have been consecutively since XXXX XXXX ( and prior to the Fall XXXX semester, I was enrolled consecutively from XX/XX/XXXX to XXXX XXXX ). I have been receiving emails imploring me to complete exit interviews for a loan for the last several months. I am enrolled full time and provided the enrollment verification form upon request, via email, on XX/XX/XXXX. Several days afterwards my credit score dropped significantly ; upon providing proof of my enrollment my status should have immediately been put on deferral until it was verified by an account specialist. At the time of writing this complaint, after reaching out to UAS multiple times, via email and phone, I presently still owe a payment on their portal. My status has not been adequately adjusted to reflect my enrollment, it has had a significant impact on my credit score, and it will continue to affect me. When I reached out by phone I was not given any time frame as to when my status would be corrected.
My loan status has been corrected and deferred until XX/XX/XXXX, however : 1. My graduate date us XX/XX/XXXX, not XX/XX/XXXX. The deferment should go until 6 months after graduation, which is XX/XX/XXXX.
2. The incorrect status on my credit report has STILL not been corrected.
|
| 07/16/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2018 RE : XXXX XXXX Dear Transworld Systems Inc., and XXXX XXXX, I received an invoice from Transworld Sytems Inc. stating I owed XXXX XXXX money in the amount of {$400.00}. TRAnsworld File # XXXX. Transworld has three telephone numbers and three different addresses on their collection bill. When I called trans world and tried to get XXXX XXXX on the line with them in a thruway they hung up. I accused them of fraudulent billing practices.
I called XXXX XXXX and they said this was a fraudulent collection and XXXX XXXX sent me a XXXX balance of XXXX owed. XXXX XXXX opened a case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.
I am reporting this to the Government Authorities of unlawful collection.
XXXX XXXX will not be in my complaint as they were very helpful in the fact of informing me they did not have any balance owed by me and they sent me a XXXX balance and stated I never owed them anything that they never sent anything for collections.
Please be advised TRansWorld Systems you are being reported for unlawful collection practices.
Sincerely, XXXX XXXX Attached in this correspondence is a XXXX XXXX XXXX balance statement and the TRansworld Systems Collection Bill File # XXXX Transworld Telephone # XXXX they wanted me to send the payment to XXXX. XXXX XXXX, XXXX, DE XXXX.
XXXX XXXX XXXX, Case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This is my second request. I have already provided proof I lived and worked in XXXX from XXXX to XXXX with no gaps. I provided my resident permit and driver 's license to the collection agency. I have also told them to mail what ever they need me to sign to my address in the XXXX XXXX, which the never did.
Now they have sent me a note saying this has been verified. That is not true. I never lived at the address in question. Even my name is spelled wrong. Clearly the account was opened by a third party without my knowledge or consent.
Please see their response, with a different spelling which is not me.
XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ZIP : XXXX Account Number : XXXX XXXX Invoice Number : XXXX Bill Print Date XX/XX/XXXX Due Date XX/XX/XXXX Previous Activity/Charges Total Amount Due at Last Bill {$100.00} Payment received {$0.00} Previous Balance {$100.00} Please Note - Bill Due Date does not apply to Previous Balance Due.
This balance is DUE IMMEDIATELY.
Payment Arrangement Monthly Payment Arrangement Installment {$370.00} XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$8.00} XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX $ XXXX XXXX Service + {$12.00} Current Balance {$93.00} If Payment is received after due date, a late fee will be assessed.
Total Amount Due {$580.00} Remaining Payment Arrangement Balance {$390.00} Again, that is not me, and never was my account
|
| 09/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX XXXX XXXX, previously XXXX XXXX, is the loan servicer for a PLUS loan I incurred while attending XXXX XXXX. Since XXXX, I have been timely making monthly payments on my loan via XXXXXXXX XXXX online website with no prior issues. On the evening of XX/XX/XXXX, I accessed XXXXXXXX XXXX website to log in and make my monthly payment. Upon entering my information and attempting to log in, I received a message that the " service was temporarily unavailable '' and to " try again later. '' I tried to access my account again on XX/XX/XXXX and XX/XX/XXXX and received the same message. At that point, I called XXXXXXXX XXXX customer service phone line, only to encounter an electronic interface that would not recognize my account number or SSN. Despite best efforts, I could not get in touch with a representative of the company. I also attempted to use XXXXXXXX XXXX online email function to report my issue, but was met with the same problem, namely that it would not transmit my email. A quick Internet search revealed that many other customers are experiencing the same exact problem with XXXX. As such, I can not make my payment on my student loan -- which can only result in negative impacts to my credit score, late fees, etc. And evidently the company can not be contacted to resolve this issue on its end. In addition to this complaint, I have filed a complaint with the Connecticut Attorney General 's Office.
|
| 07/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
To Whom It May Concern : I was a customer of XXXX for a year. I paid a year of services in advance. I was not satisfied with the work provided and I had called several times to cancel for a refund. However, each time I was advised the problem will be fixed. After several phone calls which took so much time away from my busy schedule, I told them just to cancel my service once the annual paid was finished. However, after the annual paid was completed, they continued treatments without my consent and charged me for work I did not authorize while I was away from my property for work related matters. I had called several times to get this square away. I spoke to the manager and she said it will be taken care of. However, I recently received a letter from Transworld Systems Inc. and stating I owe {$140.00} that they are collecting on behalf of XXXX. They will report me if I do not pay this amount.
Here 's the info relating to this matter.
Transworld Systems Inc collections Agency XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Creditor : XXXX ACCT # XXXX Date XX/XX/2018 amount {$140.00} Had i requested this service, I would be more than happy to pay. However, I did not request the service and previous service provided by this company was very unsatisfied. Please help resolve this matter for I do not want to continue receiving letters and/or phone calls for something I did not sign up for.
Thank you, XXXX XXXX
|
| 02/21/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
TRANSWORLD SYSTEMS INC Reached out To me through a letter attempts to collect a debt of {$830.00} that was originally the XXXX XXXX and XXXXXXXX debtI spoke to someone from Transworld systems Ask them how did they get this information about me and who did they get this information from because I did not sign any contract or give anyone any permission to give my information to a 3rd party debt collector which is you guys they said to me that the XXXXXXXX XXXX internal turned it over to them I told them by law they can not accept it because I did not give them any Right to give a 3rd party my information I did not get any mail or any phone call asking me is it OK to give my information to a 3rd party or giving me a chance to opt out from the XXXXXXXX XXXX XXXX XXXX and you guys want {$830.00} that is not the original debt that I owe so can you please turn it back over to the XXXX XXXX XXXX XXXX Because I don't know who you are and like I said I did not give anyone the right to give you my information you are a 3rd party company which they verify that to me on the phone so now my rights as a consumer is being violated because XXXX decided to give by information to a 3rd party that collector without giving me a chance to opt out And explaining to me that I can opt out I do not order these people any money they're trying to get more money out of me and I never contracted with these people on any level.
|
| 08/11/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Background : This complaint is a follow-on to case number XXXX ( the " Original Case '' ) because I received an auto-generated response on that complaint that more information was needed, but the CFPB customer service at XXXX was unable to assist me on XXXX XXXX because the Original Case did not give consent for CFPB to release my personal contact information. Your phone representative asked me to resubmit the case with consent to publish my personal information, as I am now doing.
* * * Complaint : XXXX processed a consolidation loan for me in XXXX XXXX, 2016, that repaid and consolidated XXXX prior direct loans : XXXX with XXXX and XXXX with University Accounting Service ( on behalf of my university ) ( " UAS '' ). In the repayment process, due to passage of time and intervening payments I made on my UAS loan during the consolidation process, XXXX ended up overpaying my UAS loan by {$520.00} ; UAS says they issued a refund in that exact overpayment amount to XXXX on XXXX XXXX, 2016, but XXXX claims not to have received the refund. Despite my requests to UAS via phone call ( in XXXX ) and the UAS website ( XXXX XXXX ), XXXX has not provided any proof that the refund was issued or further information about the refund so XXXX can research what happened.
I have worked with UAS and XXXX to resolve the issue, but their customer service departments have been unable or unwilling to resolve the issue.
|
| 08/26/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
While attending XXXX University, I petitioned for a XXXX XXXX XXXX. XXXX " forgot '' (!! ) to file the loan request and instead offered an institutional loan for the same amount and under the same terms as a Perkins Loan.
I graduated in XXXX and began XXXX school for a XXXX XXXX in XXXX XXXX immediately. For the past five years, all of my loans have been in deferment while in school and in grace during the summer.
This year, my institutional loan, handled by UAS since XX/XX/XXXX did *not* put my loan in grace for the summer of XXXX ( despite having correctly done so in summer XXXX. I requested a copy of my MPN which also states that following an in school deferment which this loan was in through XXXX of XXXX, the loan has a grace period of six months.
Instead of putting it in grace, I was charged starting XX/XX/XXXX with little information about the change. This account is now considered not in good standing and it is affecting my credit score by 100 point. Meanwhile, I have contacted the company multiple times for weeks. I have forwarded them past grace notices about this loan.
They say they have forwarded this information to an " account specialist '' several weeks ago. They will not allow me to speak to this account specialist. The account specialist has not contacted me ever. I can not contact anyone about this but the same customer service line which can not or will not do anything.
|
| 04/14/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
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|
I am trying my best to make payment arrangements with my lender since I can not make the monthly payments. I do not make enough money to pay what they are asking for. I have submitted the paperwork that they requested 3 times. On my paperwork I specifically indicate that I am asking to make payments arrangements and NOT asking for forbearance. They keep insisting they are not receiving my paperwork and in the meantime keep charging me late fees. I have called and asked to speak to a manager and nobody at this company listens to anything I 'm saying. I feel like I should not be charged late fees because they are disorganized and do not process paperwork in a timely manner. This lender is responsible for collecting for XXXX University which was sued recently for fraud. It seems like they are trying their best to add fees on top of more fees instead of working out a payment plan with me which is not right. I paid enough money in tuition to attend this school only to have my degree serve me no purpose. I have not been able to get a job in my field of study and XXXX has not helped me get a job either. So now they 're trying to rob me of the little income I have. Someone please look into this and help me get this resolved. I am not asking for handouts, simply want my request processed properly and allowed to make smaller payments a month until the account is all caught up and not be charged late fees.
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| 10/05/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I fully paid off a loan with XXXX XXXX XXXX ( XXXX ) on XX/XX/2018. However, I had forgotten to cancel an automatic monthly payment to XXXX from my bank, which made an additional payment of {$82.00} on XX/XX/2018. Starting later inXX/XX/XXXX have made several attempts with XXXX ( 6 times so far via their messaging systems, the latest of which was sent earlier today, as well as XXXX times on the phone ). Despite my repeated calls and messages, XXXX seems to have no coordinated effort in attempting to resolve this issue. Several agents have promised call backs - none of whom have followed through. Furthermore, each time I reach out by phone I have to explain the situation, even though they claim that my account has been " notated '' on several occasions.
UAS first estimated a 45-60 day from the posting date of the original payment for the refund to be processed. When I called against in XX/XX/XXXX, XXXX claimed that a check had been mailed out to me. I informed them that I did not receive it, requested that the check be voided, and, if possible, for them to directly deposit the refund into my bank account, as they should have the necessary information to do so. It has been 120+ days ; XXXX has taken no action to re-issue the check and failed thus far to provide any satisfactory answer as to why this process has become TWICE as long as their maximum estimated time needed to process a refund.
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| 10/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
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Web |
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The name and location of the school I attended during the time I borrowed the private student loan in question : The Ohio XXXX University, XXXX, OH.
The issue at hand : The current situation I am facing surrounds National Collegiate Trust ( NCT ) and their attempts to collect on a series of private student loans totaling more than {$30000.00} that they can not provide any information to me about. NCT has recently filed suit in my hometown court of common pleas ( XXXX County, Ohio ) with regard to this matter and I do not know who to turn to since lawyers in my region will not get involved in student loan consumer disputes. I was actually told that these situations do not bring them any money in fees, they are an uphill battle to wage and they simply are n't worth the time. I have a real legal situation here where I am being harassed ( as well as my co-signer father who filed for bankruptcy a few years ago ) for payment and I have no way of remedying this situation on my own. NCT refuses to cooperate with me at any step along the way and I deserve a chance to validate this debt and act accordingly. I do not know who owns the loans in question, who services them, or who is able to collect payment on them. NCT has previously informed me that they occupy none of these roles ... .that they purchased loans in bulk and can not provide detailed information on individual disbursements. Please help.
|
| 09/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
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I applied for a private student loan for XXXX XXXX XXXX XXXX in XX/XX/XXXX from XXXX ( My Rich Uncle ), with my father as a cosigner. In XX/XX/XXXX I was informed by a friend that XXXX was bankrupt/out of business. Upon a check of my credit score and further research, I confirmed that not only was XXXX out of business, but the loan it represented was of mine and my parents ' credit reports completely, and I ( as well as my parents ) was no longer receiving mail from the company. I did not know who to make payments to. Around that time, my family home burned down and we were forced to move several times to several temporary homes and no longer received mail at the prior address. Again, I attempted to find my student loan lender and change my address or figure out who to make payments to, without success. Two years later, I found something new on my credit score, and found out the company XXXX bought out XXXX and I owed {$6000.00} in past due payments, and {$32000.00} in interest, bringing my original loan of {$20000.00} to over {$50000.00}. They will not work with me at all with the exception of making smaller payments, which just accrue more interest and prolong my loan payout schedule. I am filing a formal complaint against this company for this incredible breach of ethics. I am unable to consolidate my loans at this point due to the high debt-to-income ratio, no banks will even finance me.
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| 09/17/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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On or about XX/XX/XXXX, Transworld Systems reported an unpaid debt from XXXX XXXX for {$71.00} to all XXXX credit bureaus.
Despite writing and contacting this company asking proof of this debt, they have never provided such proof.
XX/XX/XXXX, I spoke with XXXX XXXX and again ask for proof of the debt, as she did not want to provide me with the information, I asked to speak to a manager, but she kept me on hold for close to 20 minutes, only to hang up the phone on me.
XX/XX/XXXX, I called and spoke to Manager, XXXX XXXX, who said that she would personally mail me proof of the debt. I gave her my mailing address and she re-assured me that she would send the information.
As I did not hear from the company and because I was being denied a loan due this collection item, I decided to pay the bill, see attached.
Although I paid the bill it is still being reported to all XXXX credit bureaus as a collection item. Upon contacting the company again, I was told that they do not remove collection items from any one 's credit report.
I contacted the credit bureaus who informed me that this was incorrect and that the collection company simply needs to inform them that the collection item was paid in full and to delete it as a collection item.
I have made several phone calls to this company and they have failed to assist me and this item still remains as a collection item on my credit bureau.
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| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I received notice on about XX/XX/XXXX about a debt owed to XXXX XXXX. Notice was from Transworld Systems Inc dated XX/XX/XXXX. I called Transworld Systems Inc on XX/XX/XXXX to request validation of debt. I was informed that XXXX XXXX will send and I was also told collection will be placed on hold. I called Transworld Systems Inc again on XX/XX/XXXX at XXXX asking to remove my debt and name from debt collection due to not receiving any validation of debt. Representative from Transworld Systems Inc stated they will accept my dispute and will forward the debt back to XXXX XXXX. Representative also stated there will not be any further communication from Transworld Systems Inc. However, after after 6 months since I was told from Transworld Systems Inc that the communication will be stopped, I still received communication mail from Transworld Systems Inc on XX/XX/XXXX with letter dating XX/XX/XXXX. Letter showed balance still due to creditor, where half of the data is missing from final settlement. Nothing certified showed any balance due. Settlement sheet has missing information and is not acceptable evidence showing balance. I do not accept the evidence presented. After request and acceptance of no further communication from XX/XX/XXXX I feel I am being harassed by Transworld Systems Inc and XXXX XXXX. I would like Transworld Systems Inc and XXXX to cease and desist all further communications.
|
| 10/04/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
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XXXX XXXX XXXX ( a unlicensed debt collection agency ) on behalf of Transworld Systems and XXXX XXXX XXXX XXXX XXXX filed several lawsuits that resulted in default judgements between XXXX-XXXX and one lawsuit in XXXX/XXXX where I was provided with incomplete information showing ownership and chain of custody. This deceptive information included an affidavit stating that XXXX owned the loan in question along with a promissory note and other documents. I have never been given the requested chain of custody/assignment that shows XXXX owns the loans in question per y numerous requests. I have filed unsuccessfully motions to set aside these default judgments. I have since been garnished of both my state income refunds and paychecks. I have received debt collection letters dated XX/XX/XXXX & XX/XX/XXXX from Transworld Systems and XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding these loans. XXXX is a servicer who is reporting these loans on my credit report as of date that included incorrect information. XXXX stated in a prior complaint filed with CFPB that they only have information from when they obtained these loans in question in the years XXXX-XXXX, however, upon calling XXXX they were the servicer on all loans upon date of origination on all loans in question. XXXX is reporting on my credit report to contact current furnisher, without knowing who truly own these loans its impossible to do so.
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| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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TRANSWORLD SYSTEM INC/ reached out to me via mail on XX/XX/2021 about they own the debt and I needed to reach out either requesting to validate the debt or make a payment. I then received a call from said debt collector above on XX/XX/2021 and advised I was sending out a debt validation letter to validate debt requesting proof. I responded with a debt validation letter dated XX/XX/XXXX. Neither time from the letter I received on XX/XX/XXXX and call on XX/XX/2021 did the debt collection agency stated they was reporting this debt to the credit bureaus which they did on XX/XX/2021 especially since this was the first time I got communication from them. I was not given a proper time frame of validating the debt before it was reported to my credit report. This is unfair and violates my consumer rights of a proper investigation of any debt claimed to be mines. I have even reached out after the collection was reported to have them validate said debt and they did not provide any payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. They also did not provide an account statements from the original creditor or even n itemized accounting of how the total amount of debt was calculated including fees and interest.
I even reached out to them multiple times asking for proof and they gave nothing that validated the debt to be mine.
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| 08/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I received several calls from Transworld Systems Inc recently, and like most people, I do not really answer unknown calls. XXXX have contacted me before in the past and were not familiar with TSI. I paid a portion in XX/XX/XXXXXXXX ( when they were XXXX ) and then on the following dates, my credit report was flagged several times within the month.
On XX/XX/XXXX they flagged my account to the credit reporting agencies.
On XX/XX/XXXX they flagged me again.
On XX/XX/XXXX, I paid them due to feeling threatened since they were attacking my credit of {$120.00} and on XX/XX/XXXX, they flagged my account again.
As of yesterday, 18 days later they flagged the credit bureau again. I feel that these are bad business bullying tactics coupled with the agent telling me they would in many words attack my credit is absolutely horrible and unjust considering I made a payment last month and plan on making one this month, and work on paying this off. I still worry they will attack me in this fashion. I am a XXXX XXXX and single mother and these bad business practices effect how I can care for my child as I just moved to a new city ad they are eating away at my credit score which effects me finding suitable living for my XXXX. My credit score has significantly suffered a loss of 24 points in 35 days despite a payment due to them. This is damaging and I feel the no one should have to succumb to this.
|
| 06/27/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I first got notification that I had a collection account with Transworld Systems ( TSI ) when it popped up on XXXX XXXX. Prior to that notification I had NO communication at all from the collection company. I have had the same phone number for 15+ years so that couldn't have been their hold up on not calling like all collection agencies do.
I had also not gotten any word from XXXX ( the original creditor ) that there was a balance due. This account was closed when I was forced to move out of my home in the middle of the COVID pandemic- and was unaware that there was a balance due.
As soon as I saw the ding on my credit from the agency I tried to call and get the debt cleared up and handled. I called every day for two weeks with no answer from them and kept getting busy signals or the notice that the number could not be completed as dialed. Strange.
Once I was finally able to get ahold of someone there at TSI, they did not want to help me. They would not set up a payment, validate the amount, or tell me why the amount of the collection goes up by {$2.00} every week. I have called multiple times and every time I try to set up payment they hang up on me. I don't know how I am supposed to get this collection off my credit if they won't work with me on it or take the payment?
Very unprofessional and there are some interesting tactics going on here to ensure that they keep these accounts.
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| 08/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/XXXX, I had this XXXX XXXX in the XXXX XXXX of my XXXX XXXX and I was rushed to the XXXX of XXXX XXXX XXXX Hospital in XXXX Delaware, I was seen by a female doctor, she asked me if I had Insurance and I said no, she requested an XXXX and she diagnosed XXXX, she wrote a prescription to take to the pharmacy, I was not able to treat the XXXX until I got a job with XXXX XXXX XXXX XX/XX/XXXX, I received a Medical bill of XXXX dollars and change and I started making prompt payments, through an arrangement that reduces the amount to {$790.00}, to my surprised, I called to make a payment and I spoke with this female representative who told me that she could not find any bill in my name or address at the time because of that she could not receive the payment, since then I have not received any corresponding letter from the doctor 's office or XXXX XXXX Hospital . My Credit was flagged on XX/XX/XXXX, via XXXX by TRANSWORLD SYS INC/XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, PA, XXXX, I immediately called the above collector, spoke with a female customer service agent, who was very intelligent and accomodating also put in a Dispute on my behalf to the XXXX XXXX XXXX Hospital. I have worked over the months to bring my credit score to a Good score and this scenario have drastically reduced my score, I'm kindly requesting CFPB immediate intervention to help restore my Good Credit Score, thanks,
|
| 02/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
Servicemember |
|
I became behind on my XXXX XXXX XXXX when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was in the process of getting ready to apply for a small business loan and needed to check all of my credit reports before proceeding. This is when I observed the fraudulent information on my credit reports. This fraudulent information has caused me hardship and prevented me from moving forward with my much needed business loan. I have resided in the Georgia area since XXXX and have absolutely no association with whom ever opened this account up under my name in the state of Texas. I have attached a police report with detailed information obtained on this matter. I am absolutely appalled at how the original company ( XXXX XXXX/XXXX XXXX ) whom this fraudulent account originated from allowed someone to call in, provide them with my name and SSN number over the phone and they opened up an account for this individual ; I was informed by a representative at the company, that is all that is required for them to approve an account. No one did any verification and now I am the one suffering. After the individual did not pay their bill, XXXX XXXX reported this to a company called XXXX XXXX XXXX, who then sold the account to a company called Transworld System Incorporation which is the company that appeared on my credit reports. Please help me in having this fraudulent information removed from my credit reports immediately so that I can proceed with my business loan. Thank you.
|
| 04/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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My medical provider, XXXX XXXX ( XXXX XXXX ) in XXXX, IA had an agreement with XXXX XXXX XXXX, among other XXXX, to bill patient insurance and collect what they could and discharge the remaining balance. Patients were instructed that they would receive up to 3 invoices from XXXX XXXX XXXX, but to disregard and not pay. Previous services had gone as explained - the invoices came, insurance paid some, the remainder was discharged. In mid-XX/XX/XXXX something changed between XXXX XXXX and XXXX XXXX XXXX, but patients were not informed. XXXX claims they were not informed either. Patients, including myself and my husband, began receiving debt collection notices from Transworld Systems , Inc on behalf of XXXX XXXX XXXX. Transworld was collecting for services rendered in XX/XX/XXXX. I paid the debt in the amount of {$100.00} to XXXX XXXX XXXX, as instructed in the notice. Check # XXXX dated XX/XX/XXXX. ( I have a copy of the cleared check image, which I can provide if needed. ) I continued to receive daily collection calls from Transworld until XX/XX/XXXX. I spoke with XXXX of Transworld on this date and explained that I had paid the debt, provided the check details and date, and told him to take me off their calling list and that any further contact would be a violation of law. Today, XX/XX/XXXX I received a written notice from Transworld for the same debt which I paid back in XX/XX/XXXX.
|
| 08/26/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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On XXXX XXXX, this collection agency contacted me via phone. They also skipped traced XXXX additional numbers to family. I called them on XXXX XXXX asking them to REMOVE my family numbers and made it clear that they had a good number for me and to stop contacting 3rd parties attempting to skip trace. I spoke to a women who barely spoke any english and I verified my identity with her and again told her to remove XXXX additional numbers from my account. She began to get very rude and said she removed them. Today, on XXXX XXXX some of those 3rd party numbers that were skipped traced even after a verified contact with me had been made and I ordered them to remove those other numbers. I contacted the company back today and asked them to remove those numbers again. The gentleman who answered the call was much more professional than the first women. He advised me the numbers had not been removed and he was removing them at that time. I again went through the verification process with them to confirm my identity and confirmed the numbers had been removed. Less than XXXX hours later I received a call again .... this time i spoke to another representative who stated again the skip traced number had not been removed ... and went through and removed the number again and went through the verification process again. At this time I advised the representative i was filing a complaint with the CFPB.
|
| 04/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello Transworld, The property was sold on XX/XX/2018 and informed XXXX of the closure account over the phone. The balance was nil. We have also sent a copy of the HUD statement to XXXX on a follow-up call with XXXX. XXXX has agreed to clear the balance upon receipt of the HUD statement. This was already reported in the past and removed after investigation. Not sure why it is popping up again. The balance is incorrect and is more than 3 years old. You are trying to collect the balance illegally and unethically hurting my credit score. This is the last warning before any legal action and damages for {>= $1,000,000} damages to Transworld Systems. Please find the attached HUD statement provided to XXXX and take the necessary action.
Note that the name in the statement is not mine. Not sure whether this causing the issue with XXXX.
In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy. Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.
|
| 10/29/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have contacted XXXX XXXX XXXX the lender that has my loan through my university about late reporting they have done on my credit. In XXXX I contacted the company and they advised that I had a late payment I needed to make. I made the payment and specifically asked the rep numerous times if it would be reported as late. He advised that it would not. My goal of the call was to bring any outstanding payments current including my XXXX payment which was also due. I also set up a payment arrangement because I want to buy a house next year and I wanted to ensure that no late payments would be made ever again. The rep set it up for XX/XX/XXXX knowing that this would make my XXXX payment late as well! I was not aware of this until the derogatory mark hit my credit. I happened to call UAS Accounting when I found out and even changed my payment date to the XXXX because I never wanted the payment to be late in the first place! If I was setting up payments in order to avoid being late why would the representative advise me incorrectly????? I have asked the company to pull the calls and listen to the representative and my conversation and they will not do so. I have also contacted XXXX but UAS Accounting is refusing to help me. I am asking that this company remove these negative marks from my credit as this was an error in their representatives communication to me that has caused all of this.
|
| 12/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received a letter telling me I owed {$2700.00} dollars for XXXX accounts, although the date said XX/XX/XXXX. I'm not sure the reasoning for this. I read the paper and it didn't include my right to dispute.
On XX/XX/XXXX I contacted them and my mother XXXX XXXX spoke to XXXX. She didn't give us enough information during the call so I'm unable to determine the validity. She also didn't tell my mother whether I could dispute it.
My mother offered to pay with our health insurance but she told us because the visit happened in XXXX and we are in XXXX, we could not use our medical insurance to pay off the bill.
She tried to pressure my mother into paying today with a discount, even though my mother told her " I don't have that type of money right now '' ( something along these lines ). My mother asked for another day and she said the deal was only today however, she previously said it could be for the month.
Not telling us the right to dispute, trying to coerce my mother into paying today, no inclusion of my rights.
I don't even know if these accounts aren't even mine because not enough information was given to me. I made an account to view my accounts on XXXX XXXX XXXXm and these accounts don't seem familiar. These accounts do not show up on my credit report for XXXX and XXXX.
Today I sent a certified letter to the debt validation asking for more information.
|
| 05/29/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Today, XX/XX/28, I spoke with XXXX from Transworld, who advised that he is the director. XXXX advises me that he has the authority to extend a payment agreement, but that I would have to send proof that I am awaiting a withdrawal check in the mail. He threatened that he will report this to my credit if he feels that I am lying. After multiple calls with XXXX and feeling pressured and threatened ( by advising that they WILL report to my credit and not grant me time to pay ), I paid the balance using funds that were not meant to be used on this debt. I and my mother have been harassed by this company. I was advised on one call that they reviewed my mothers assets and that she could pay for me, instead of listening to me advising that I had the money, but needed a few days to wait for a check that I was expecting due to a withdrawal that I made in order to pay this debt. The first time I spoke with this company, I was advised by XXXX XXXX that I should not be calling unless you are paying now. This was after I received notice from my mother about this debt and was calling for information because this company never contacted me. XXXX also advise me that he is not here to help the consumer get whats best for them, but to help my client get whats best for them. I dont have to work with you. I have a monthly quota to meet. This has been a very stressful week of dealing with this company.
|
| 07/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/19 I noticed a collections agency had appeared on my credit report, by the name of Transworld Systems Inc. When I became fully aware of them I called them to see what business I had with them? They stated I owed them money for a XXXX from another company ... ... I told them I don't owe any debts, I have no collection accounts on my credit report. I also asked them, if we had any business between us and can they provide proof I have a legal obligation to pay them? I sent a debt validation letter to them by fax and informed them they had 24-48 hours to remove this item from all three credit bureaus. As of XX/XX/19 the item is still on my credit report and I called them. I spoke with a man by the name of XXXX XXXX and he confirmed they received my debt validation letter. I also informed them at the beginning of our conversation all calls were being recorded. I was transferred to a supervisor by the name of XXXX XXXX and he tried to inform me it's a process in order to get this item removed or not. I became very upset and informed them I have no business with Transworld Systems Inc. They are trying to ruin my credit and they know we have know business with one another. I also informed them once again they need to remove this item from my credit report ASAP!!! I made them fully aware of me, making this the report as well. They are crooks and try to collect money not owed!!!!!!
|
| 04/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
For years I have kept a home protection warranty with XXXX XXXX XXXX and paid roughly {$56.00} a month. In XX/XX/2019, I sold my home and I subsequently cancelled my warranty which was automatically billed on my credit card.
Also in XX/XX/2019, my credit card with XXXX was picked up by a skimmer in Kansas during a business trip and I cancelled the credit card to prevented the many unauthorized charges that were occurring on my credit card.
In XXXX of 2019, I had purchased another house and I established another warranty with XXXX XXXX XXXX which made my original warranty unnecessary after the sale of my house on XX/XX/2019.
XXXX bills the credit card on a monthly basis to renew the agreement. When a representative called me approximately 2-3 months later, I told them that I had cancelled the warranty and my house was sold on XX/XX/2019. They said that they would transfer me to someone else, and I wound up on hold for a very long time, which is what happens any time you attempt to call XXXX.
If any balance was due for XXXX, I'm happy to pay it, if any service claims were unpaid, I am happy to pay it. But they are attempting to charge me {$210.00} which is unfathomable how they would think that {$210.00} is due. To date, I do not have an itemization of charges that they claim that I owe, so I can only assume that they are trying to bill me for months after my cancellation.
|
| 03/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On XX/XX/XXXX I had to go to XXXX XXXX Department - XXXX, XXXX XXXX XXXX, XXXX, FL XXXX for domestic XXXX reported to police. I have insurance and I provided my information in the hospital, I also had a bill for {$150.00} dollars in the mail for the XXXX and it was paid. Today XX/XX/XXXX I got a collection letter in my mail dated as XX/XX/XXXX for the amount of {$700.00} dollars with my name but the wrong street, no building letter and no apartment numbers from ; TSI Physical Address : Transworld Sustems Inc.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Phone # XXXX Telling me that I am in collections for the amount of {$700.00} dollars from XXXX XXXX XXXX XXXX for the XXXX XX/XX/XXXX with no prior bills, statement or any kind of communication letter, validation letter for that amount. I called and collection agency just offered me to send me a validation letter. I called the hospital multiple times and they didnt answer the phone at all. I have an excellent credit and I never skip a payment in my life. I am very organized person and responsible to let my someone else to damage my credit, and put me in collection with no prior statement or communication having in mind that the hospital collected {$150.00} dollars after Insurance for the same DOS. I provided my driver license and my Ins card. No reason for my address to be wrong in the collection letter and I can proof of need it.
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| 05/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Filed a complaint about the tactics used with XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and Transworld Systems Inc ( TSI ). XXXX issued paperwork regarding a debt collection to the wrong address with no attempt to certify reciept. XXXX also did not address their connection to TSI. Paperwork from XXXX shows debt transferred to TSI. Paperwork dated XX/XX/XXXX " your debt was certified to the Treasury Offset Program and transferred to our third party collection agency TSI. '' also " If you have any questions or concerns about the account, please contact TSI at XXXX. When contacting TSI, they stated " they do not own the account and can not provide you a statement or history on the account, please direct your questions to XXXX ''. XXXX mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX ; this address was not valid as I had been in XXXX for a year. No attempt to call or contact was made past this letter. When I was finally contacted via telephone on XX/XX/XXXX, they refused to attempt a repayment and required me to go through TSI. XXXX/TSI violated 15 USC 1692J for furnishing deceptive forms as to who held the debt/account.
Debt has been payed completely through TSI. When asked for a finalized statement, TSI, again, could not provide. When contacting XXXX, they could also not provide. The representative did say the account had been closed since the default date.
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| 08/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In the beginning of this year, 2019, I had had an appointment for a XXXX XXXX scheduled with the XXXX XXXXt attempting to collect a debt through this credit agency.
The debt is for what the XXXX XXXX office claimed was a " no show. '' I had told this office that I was hospitalised with a XXXX XXXX, and there was no way that I could make this appointment.
They threatened me when I called them on the phone to resolve this issue, saying that they were going to pursue every legal action they could in order to force ( yes, they used the word " force '' ) to pay this amount - which is a very small amount.
However, I told them I would not, based on principle, especially after speaking with the woman on the phone who became hostile, and at that time they said they were going to take action.
I was told my a lady that works in the office ( she usually checked me in when I used to see this XXXXt ) that the debt/fine should be removed, and that whomever insisted on charging it at this office should not have charged it in the first place. But this particular lady did not have the authority to do anything about it.
Even though the office had been given notice that I could not make it, they claimed I did not give them notice - but I have witnesses here that were in my home ( and not just family members ) - that will attest that what this XXXX XXXX office is saying is untrue/inaccurate.
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| 11/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I frequently review my credit reports ( XXXX, XXXX, XXXX ) in XXXX, I noticed I had a collections Neg report. I had never received any Letter of Demand for Payment from anyone. As I investigated this issue, it was from my former place of residence. I didn't renew my lease for XXXX-2XXXX. So my move out date was XX/XX/2020. I cleared the apt and the location with a XXXX balance. I filed a dispute with XXXX, and within 2 days, the negative report was removed and credit score was restored. Not so lucky with the other 2 credit reporting companies. I have been in dispute with them since XXXX After their investigations, they respond with ( information reported is correct ) which is not. So XXXX XX/XX/2020, I mailed Transworld Systems Inc, a detailed letter with proof I didn't owe any money. ( bank statements covering the dates in question ). I have yet to hear from them. I am still filing disputes about this Neg credit mark. The basis for this ( Payment Due ) $ XXXX is for utilities not paid for XXXX/XX/XX/2020. The utilities are included in the monthly rent of $ XXXX. That being the case, If I hadn't paid my complete rent, Management would have notified me of partial payment and sent a letter of demand or an eviction. I paid my rent on time every time for 5 years. This is just total nonsense, that's probably why the entire staff was fired. This needs to be corrected immediately.
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| 05/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I had to go to a walk in clinic, XXXX XXXX XXXX XXXX, XXXX, in XXXX XXXX, TN on XX/XX/XXXX. At that time I was told by the clinic that all I had to pay at that time was {$25.00} and that they would send me an invoice for whatever the insurance didn't pay.
Once we received the invoice, my wife called to set up payments of {$25.00} per month since our income is limited. My income has decreased by {$5000.00} over the past two years and my wife 's on XXXX. They would not work with her and demanded we pay in full. When my wife asked to speak to a supervisor she was put on hold for 20 minutes and then they hung up. She tried calling back but they wouldn't answer.
My wife also tried calling their national office but they refused to work out a payment plan as well.
They sent us to a collection agency and when I logged in and set up an account, I saw the amount is the same as on the printed statement. I tried to go ahead and pay on a credit card but it would not let me. The total we owe is {$110.00}. I went through the steps to pay this and when we got to the end it said I had typed in the wrong amount. They won't even let us pay in full and I fear that it will show up as old debt on our credit history.
It has taken a long time for my wife and I to recover from a bankruptcy in XX/XX/XXXX and I don't want this hurting our credit when they refuse to take payment, even in full.
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| 02/18/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2018, I rented a car from XXXX XXXX XXXX XXXX at XXXX airport, Florida. The man that worked with me didn't mention or offer toll road charge prior to my rental. It was my first time being in the state of Florida so I didn't know anything about toll road. Nothing in the paperwork that I signed that state about the toll fee charge. I received the car and drove out and got on the way to where I wanted to go. I saw a XXXX sticker on the inside of the windshield on the driver 's side. I just thought that it was good to use since nothing was mentioned during the paperwork. I drove the car for the total of 3 days. I returned it on XX/XX/2018. At that time, they didn't even mention or ask anything about the toll charge. Until 2-3 weeks later, I received mails stating that I have to pay the toll fees, which I had no clue that I need to pay for. XXXX XXXX XXXX XXXX charged my bank account by the amount they claimed that I owned them. My bank thought it was a fraud because I live in California and the payment was charge outside California, so they void my credit card as fraud, and is was the reason that XXXX XXXX XXXX XXXX is trying to reach me through XXXX XXXX XXXX to collect the money as debt. As a customer, I need to know what fee XXXX XXXX XXXX XXXX will charge me other than the car rental fee. I will not pay anything until I have the answer from XXXX XXXX XXXX XXXX.
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| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Transworld Systems is reporting inaccurate information via XXXX XXXX XXXX company. They started reporting this info back in XXXX of XXXX. Our family purchased and moved in our new home back on XX/XX/XXXX and at the time of moving I called into cancel services at the previous address in which they assured me the service would be transferred back to the original apartments/landlord 's name by XX/XX/XXXX. Since the account was a prepaid account I was only required to pay up until XX/XX/XXXX.
Fast forward XXXX, I noticed this being reported as a derogatory item on all 3 credit bureaus. I have attempted to dispute this account twice and keep getting a " verified as accurate '' by the credit bureaus. In addition, the credit collection agency also is saying that the bill attached is accurate, however in reviewing the attachment sent it is billing me for services after moving into my new home from XX/XX/XXXX to XX/XX/XXXX. We were not living at this address during the time of the service period listed on the attachment sent.
This information is inaccurate and should be deleted from all credit bureaus. I am requesting that all bureaus delete this item from my credit as it is inaccurate. In addition, I am requesting that Transworld Collection Agency cease reporting this against my credit file as it is inaccurate I do not owe XXXX XXXX aka Transworld Systems it's inaccurate.
|
| 02/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I have been locked out of my account with XXXX XXXX ever since XXXX XXXX XXXX switched over from XXXX XXXX. XXXX manages the repayment for my XXXX XXXX XXXX from my XXXX studies at the University XXXX XXXX XXXX.
Over the summer, XXXX transitioned to a new website and asked users to transfer over their accounts. I followed each step and registered for a new account with XXXX XXXX. I received confirmation that my account was successfully activated on XX/XX/XXXX. However, since then, I have not been able to regain access to my account. I have tried logging in with my new credentials, requesting a password reset link, and registering for a new account entirely ( as customer representatives suggested ). None of it has worked. Customer representatives have insisted that my account is inactive and that it is my responsibility to reactivate it. However, that has simply not been possible and their instructions fly in the face of the email confirming my account activation. I have been locked out for months now and unable to make my loan payments because of this faulty system. If my loans are considered delinquent or my credit has been affected, I must appeal both on the grounds that XXXX XXXX has failed to provide me access to my account despite my repeated attempts to regain access. I would like nothing more than to have access to my account and to repay my balance right away.
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| 11/25/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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XXXX XXXX under this company : XXXX XXXX XXXX, WI I have an award for serving with XXXX. Since XX/XX/2018, which is when the company changed websites, I've been trying to make payments with XXXX XXXX. I knew that my payments usually took a month to be deposited, so I waited. No payments have shown up. On my XXXX account, it says that it has been taken out and the trust officer opened my payment. I attempted contacting them via e-mail. They responded on XX/XX/2018. This was the response I received : Dear XXXX XXXX, Thank you for contacting XXXX XXXX XXXX.
The {$120.00} payment made through XXXX is not reflecting on your account. Do you have any proof of transaction or any documentation so we can conduct a payment research?
If you have any questions, please contact our office at XXXX. Representatives are available during the week from XXXX XXXX to XXXX XXXX CST.
Thank you!
Description : Description : XXXX XXXX XXXX | Customer Service Representative XXXX XXXX XXXX, XXXX XXXX XXXX I responded with the following ( the same day he sent me the e-mail ) : I have attached the screenshot of the payment. I have made another payment on top of that one that I sent out yesterday. No action needs to be taken yet for that one but I wanted to give a heads up it is on its way.
Thanks so much!
XXXX XXXX ( Screenshot of this conversation and of my XXXX account is attached. )
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| 06/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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My husband took my XXXXyr old son to XXXX XXXX on XX/XX/19 as my son was ill. My husband had to leave during my son 's appointment, so I met him there and continued forward with the appointment. My son was flu positive and received prescription for XXXX. Ms. XXXX noted as my husband and I were both exposed we should consider taking XXXX XXXX. She provided prescriptions for both my husband and myself, which I filled and paid for. Subsequently, my husband and I both received {$89.00} exam bills from XXXX XXXX for the date of XX/XX/19. My insurance was billed directly but my husband was billed as un-insured as he was not in the XXXX XXXX system ( though we share the same policy ). I called XXXX XXXX to dispute the claims as billing fraud noting these services where never provided to my husband or myself. The representative confirmed they have no vital signs or notes in their system that would indicate any type of exam occurred. He reported it was likely an error on their side and would be resolved. It apparently was not resolved as the bill was turned over to a collection agency. I have paid it as XXXX XXXX correctly played the odds that I would not put in the additional effort to try to fight the collection agency. I do feel this is billing/insurance fraud. We will not utilize their services in the future and will strongly encourage others to avoid XXXX XXXX as well.
|
| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear TRANSWORLD SYSTEMS INC ; ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 06/12/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
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Web |
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I am an XXXX representing four individuals in a federal lawsuit alleging that XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), among others, including XXXX XXXX, Transworld Systems, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are unlawfully collecting student loans they do not own by virtue of the loans being purchased by XXXX XXXX XXXX XXXX ( " XXXX '' ) during its bankruptcy. The case is pending in Maine, Docket XXXX.
The XXXX have over 370 collection lawsuits pending in state court in this state that my clients believe are unlawful. The lawsuits are unlawful because the Trusts do not own the loans. The loans are " Postpetition Purchased Loans '' as that term is defined in the XXXX Bankruptcy in US Bankruptcy Court - District of MA, XXXX XXXX Docket XXXX ( XXXX ). The Plan is Document XXXX and the Plan Trust Agreement is Doc XXXX.
In short, the XXXX are claiming ownership of loans that were purchased by the XXXX.
This is a SIGNIFICANT problem because student borrowers are being chased by the XXXX Plan Trustee 's collection agents and The Trusts for the same loans, payments have not been credited, false and damaging information has been transmitted to credit reporting agencies and borrowers are being harassed. My clients settled what they thought were the XXXX loans for thousands of dollars and were nevertheless sued by the Trusts on the same loan.
|
| 12/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
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I was a student of XXXX College whose parent company is XXXX Colleges between XX/XX/XXXX to XX/XX/XXXX. XXXX has shut down due to issues beyond my comprehension. Upon signing up for XXXX, I was told that I would be getting lifetime job placement through the program and other various promises. While in school, I had exhausted my federal loans. In order to continue, they told me I needed to sign up for private loans. Now that I 've been out of school, the interest and the amount of loans are affecting me financially. I 'm afraid to default on these loans as I 'm aware that it could ruin me financially. I just recently lost my job and have never been unemployed for more than a decade. I 'm seeking for a refund and reduction to these aggressive loans as the financial office made an ultimatum that if I did not sign up for the student loans, I could not finish. After hearing that XXXX would shut down, I asked the Dean whether the school would shut down or not. He said no and to continue my education. I know I 'm a little late on filing this complaint, but the form I had previously filled out was strictly for my federal loans only. I 've been doing this all on my own and no longer have access to documentation to my time at XXXX, other than my statements from the Private Loan company. It used to be genesis, but then it got moved to University XXXX. Please help and advise.
|
| 10/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XXXX/XXXX/XXXX I sustained an animal bite and was directed to the XXXX XXXX Department where I received XXXX XXXX. Before being XXXX, they updated my medical insurance information and contact details.
In XXXX XXXX my medical bill for {$2900.00} was still showing as outstanding in the hospitals patient portal, so I contacted XXXX and they instructed me to contact my insurance company, XXXX, as the payment had not been received yet. XXXX said they never received a claim from XXXX for this ER visit and instructed me to file the claim personally, which I did. I used the online interactive form and forwarded the claim documentation to the insurance company and to XXXX. Both XXXX and the XXXX XXXX XXXX XXXX department confirmed receipt of my claim and I kept both organizations on copy in my e-mail filing the claim.
I had used the same insurance with XXXX previously and I did not have to file the claim myself - XXXX billed the insurance company directly and received the payment without me getting involved in the claim process at all.
In XXXX XXXX I received a letter from XXXX XXXX XXXX informing me that XXXX XXXX XXXX have placed my account with XXXX XXXX XXXX for collections. I tried contacting XXXX to clarify, but every time I call, my call is routed to XXXX XXXX instead of XXXX and I was informed that I would not be able to speak with an XXXX representative.
|
| 02/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hi, Back when I was a student in college in XXXX of XXXX, I had a sick day at work, and my manager demanded that i go to the doctor to get a doctors note for missing work that day. My job was at the XXXX XXXX XXXX and was considered a " work study '' position offered for students who needed to work 20+ hours a week because they were low income students and also had the opportunity to do school work and focus on studies at the same time. I went to the doctor paid my co-pay and that was it. I got my note, paid my dues and was on my way to not being fired for being sick. Unfortunately 2 years later I have a collection on my credit report from XXXX XXXX. As soon as i figure this out I pay my debt through the debt collection agency. I had gotten no notice and was completely unaware that there was even a {$160.00} bill attached to my name for this doctor 's visit. If i knew I had to pay that much money for this I would have never went to the doctor. I feel like i was taken advantage of as a young student by a XXXX. Now i have a collection on my credit report for {$160.00} that i did pay back in full, in early XXXX and it is still till this day negatively impacting my credit score and report. I just truly feel that I am not the only person this happens to, and it feels completely unfair and out of my control that this happened to me and is negatively impacting my life.
|
| 11/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Transworld systems inc a debt collector is reporting inaccurately a debt i am not contracted with on my XXXX credit report : XXXX show closed but is reported in collection.
I have even sent letter certified mail with return receipt to XXXX and TSI to dispute the erroneous collection, they clearly do not do their part to protect and verify our information properly and violate my rights!
I have NOT given them written permission to put anything on my consumer report.
i never contracted with TSI, they haven't provided me with any proof of chain of assignment, chain of title, ANYTHING but a computer letter that I contested.
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy.
It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and Anxiety to me and my family!
|
| 01/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For XXXX XXXX XXXX XXXX XXXX Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations Transworld Systems Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) Transworld Systems Was Unfair in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave Transworld Systems Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX Complaint And Attorny General
|
| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Transworld sent me to collection without following legal process for intent to dispute as I have no knowledge of this account.
the Fair Credit Reporting Act ( FCRA ) governs how consumer credit information is collected, reported, and used by credit reporting agencies and other entities. Under the FCRA, a debt collector is required to notify the debtor in writing before reporting the debt to a credit reporting agency.
Specifically, Section 623 ( a ) ( 2 ) of the FCRA states that a debt collector must provide written notice to the consumer " before the expiration of the 30-day period beginning on the date on which the debt collector acquired the debt, that unless the consumer disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. '' This notice must be provided in writing and must include information about the debt, including the amount owed, the name of the creditor, and the consumer 's right to dispute the debt. If the consumer disputes the debt in writing within the 30-day period, the debt collector must verify the debt before reporting it to a credit reporting agency.
As a result, this business failed to provide a documentation which gives me a legal rights to fight this in court for violation of my rights, and messing up my credit score. Respond to this letter to avoid further legal actions!
|
| 09/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I started receiving harassing calls from this number about 6 months ago. When I finally decided to try and talk to the person on the phone they told me I had a debt in collection is excess of {$500.00}. I have medical insurance and have not had any major medical costs so that number seemed unlikely even if I had missed a bill. After arguing with the person on the phone for about 20 minutes, they said there had been a mistake on my account and they were billing me twice, so my debt was actually only half of the original amount so if Id like to pay now that would be great. My radar went way up- scam? I asked for more information on the origin of the debt and the information they gave me was useless- I couldnt get enough information to call the doctors office and confirm that I had indeed missed the payment. The next time the callled I asked for a paper document itemizing the debt. They sent me a letter with no real information on it- original debt? Interest charged? Creditor name? On the letter they gave me a website I could go to and pay my debt. When I try to log in, given the log in information that gave me, it says that my account could not be located. So now, Im sure I am accruing more interest because I will not give my cc over the phone and I can not log in to the portal provided. I still can to figure out the doctors office that it is coming from either.
|
| 02/15/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
Servicemember |
|
I am the co-signer on a student loan for my son received in XXXX from XXXX. After some time XXXX took over the loan. My son graduated from college in XXXX. I completed a chapter XXXX bankruptcy in XXXX. Transworld Systems , Inc. sends me a collection letter. This loan has a charge off date of XX/XX/XXXX and the charge off amount {$24.00}, XXXX. My most recent telephonic conversations with Transworld results in a settlement of {$10.00}, XXXX. I asked them to confirm this agreement of {$10000.00} in writing to protect myself. The payments would be {$2600.00} for XXXX consecutive months. On XX/XX/XXXX I was told the letter requested would arrive in 7-10 business days. The letter did not come. I called back XX/XX/XXXX was told letter was not sent ; but now we will send. On XX/XX/XXXX I called to see if letter was sent. No letter sent. A manager, XXXX -- XXXX, told me to " trust '' them ; that if after I send all the money if there is a problem, he would confirm the settlement agreement. CFPB I would like to start sending the payments while I have assistance from family, but I do not want to get " burned '' when Transworld sends a collection for the amount I will save with this settlement. Otherwise, I am retired and on a fixed income. My son will be contributing to this reduced settlement. I just want some form of evidence to support the agreement of {$10000.00}.
|
| 08/22/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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On XX/XX/XXXX I was given 30 days start paying back a debt I owe XXXX for a student loan. I was given 30 days from Transworld Systems Inc. to start paying before they began garnishing my wages. I contacted them late XX/XX/XXXX or early XX/XX/XXXX, letting them know that I had started a new job and should be able to afford {$50.00} a month to start paying them back. I had been working a commission based job for the last 6 months and it completely destroyed my savings and credit. all my cards are maxed out and my credit dropped 100+ points because of my lack of income. I finally started making consistent money and contacted XXXX XXXX from Transworld Systems Inc. and informed him i was ready to make a payment today, XX/XX/XXXX, and every month following. He was extremely rude and told me it was too late. He said they had started the wage garnishment process. I am still within my 30 day time frame to pay back. He told me that now I have to pay {$700.00} now and {$75.00} a month. I told him I do n't have the money and to please help me. I can afford the {$50.00} a month and will gladly start paying that back. He said no, you have to go to a hearing. I explained I do n't have time I work too much. He said too bad its too late. Please help me with this situation. I feel helpless, I 'm willing to pay them back I just cant afford the huge payment they are requesting.
|
| 06/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I keep receiving voicemails where they leave no company name, or call back. They are asking for my XXXX year old son. Upon calling back they state it is Transworld Systems the number is different each time. They will not give me information unless I give them my sons name. I refuse to do so. Since they first contacted me it will be 5 days tomorrow i have never received anything in the mail. My son is under my insurance i provided them my name and said to search by my phone number. They refused and cant look by phone number even though they keep calling this number. Also I said my name is and told them. They did not ask for spelling, or anything to search my name. My son is XXXX months old and under my insurance if it is a legit medical bill it should be addressed to me not calling harassing my almost XXXX year old.
They have called on XXXX XX/XX/2020 at XXXX and again on XX/XX/2020 XXXX. Both voicemails say their name and ask if ( my son by name ) is available. They never say a company they are calling from. The first number is registered to a women in XXXX when i searched it. If there was a medical bill under myself it would show on my credit. All our doctors bills go to XXXX XXXX I have never heard of this company. They are starting to harass my phone asking for my almost XXXX year old with not a single trace of paper in the mail validating this claim.
|
| 04/28/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
Transworld Systems Inc claim they are the record keepers for XXXX but per XXXX state law, they are a trust not a lender like XXXX XXXX XXXX claim. In order for any servicer or collection agency to collect on this, they will need to show the dates of delinquency, how much is owed, when the loan was sold, proof that XXXX still owns the loan because is a known fact that XXXX sells debts into investment vehicles which means the loan could be anywhere. XXXX must have all of the correct documentation before anyone could collect on it per XXXX law. This is showing as 180 days past due but I have never received actual where my loan is, a promissory note is not enough information since debts are bought and sold all of the time. I spoke with a consumer rights attorney XXXX and they XXXX say the same thing, that the servicer and the collection agency must have proof they are suppose to collect on the loans. XXXX is a XXXX trust, not a lender or guarantor. I was also notified that XXXX used XXXX XXXX to finance which means they are not a lender because they are not a bank or credit union. It is illegal to collect on this debt without the proper documentation. I want the loans completely removed from my credit report because what XXXX must have possession of the loan to collect on it which is hard to prove since they sell loans as investment vehicles to shareholders.
|
| 12/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Yesterday I contacted your company to ascertain the nature of your complaint. I was made aware when reviewing a XXXX notification that this same century link debt had been handled by another collection agency which subsequently withdrew their claim. Your representative said century link claimed I owed {$210.00} from a XXXX closed account. I disputed the claim and stated I wasnt even aware of century links claim until I saw the XXXX notification. I pointed out trying to locate a XXXX year old statement and then tracking down payment information for such an old debt was reason to just pay the claim but I wouldnt pay for a bad faith claim. I said I would give more thought to the situation but I wasnt inclined to make the payment without proof the debt is owed.
Today ( XX/XX/XXXX ) my stepmother informed me had been contacted by trans world on multiple occasions ( including yesterday XX/XX/XXXX ). My stepmother is grieving the loss of my father who recently passed away. Having a debt collector harass my family over a disputed debt during a period of deep emotional strain is simply cruel and abusive tactics. I believe trans worlds conduct violates the rules established by Congress to protect consumers. I am asking this agency investigate my complaint and take the appropriate action to compel trans world to stop using such abusive and unconscionable tactics.
|
| 09/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to formally file a complaint against Transworld XXXX XXXX pertaining to a critical matter concerning my credit reports.It has come to my attention that Transworld XXXX XXXX has reported the same account twice on my credit reports. This erroneous duplication has resulted in severe health and financial consequences for me. Despite my sincere efforts to establish and maintain a favorable credit history, this incident of negligence on the part of your organization has caused a significant decline in my credit score, rendering me unable to apply for essential bank loans.
The ramifications of this error have been nothing short of catastrophic, as it has severely impacted my financial stability and overall well-being. I urge Transworld XXXX XXXXXXXX to take immediate and appropriate action to rectify this situation, which has left my life in disarray.I kindly request that you promptly investigate this matter and correct the duplicate reporting on my credit reports. I also expect that you provide me with written confirmation of the resolution, as well as any actions taken to amend my credit report, within 30 days of receiving this complaint, in compliance with the Fair Credit Reporting Act.
Failure to address this issue in a timely manner may compel me to explore legal avenues to protect my rights and seek redress for the damages I have incurre
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was first contacted by Transworld Systems INC with mail dated on XX/XX/2022 but was not received until XX/XX/2022. This initial letter was about an apparent debt that they had purchased and was due for collection. They had given me until XX/XX/2022 to dispute this claim by mail or phone call. I had called multiple times in order to dispute this and out of the 12 times I tried calling, only once was I able to reach someone who could talk about this debt. I was being told by every representative that they did not have authorization to view this debt and had no idea how to help me.
On XX/XX/2022, I was finally able to reach someone and submit a verification to validate this debt. I recorded this phonecall but I am unable to upload it for validation due to it's filesize. I have an archived copy that can be submitted upon request. I had then received a letter from Transworld Systems INC dated XX/XX/2022, that they were going to submit this debt up for collection and file it with all the credit bureaus with no regard to my debt validation request. I then submitted, via certified USPS mail, a formal debt validation request using the CFPB debt validation request letter format. This letter was dated on XX/XX/2022 and was certified received on XX/XX/2022.
Transworld Systems is not well outside of the 30 day requirement to validate this debt with my request.
|
| 10/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XX/XX/2023 Transworld Systems Inc.
XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, PA XXXX Re : Account # XXXX To Whom It May Concern : I am writing in response to your XX/XX/2023 debt validation letter regarding account # XXXX that you claim I owe to XXXX XXXX XXXX XXXX XXXXXXXX.
I continue to dispute this debt because I do not recognize this account and have never had an account or service with XXXX XXXX XXXX XXXX XXXXXXXX at any of the addresses listed. None of the information you provided verifies that I am responsible for this debt. The name, address, and account number you referenced are not mine.
As I stated in my original dispute, I have never lived at any of the addresses you have associated with this supposed debt. The service address you listed in XXXX, FL is not an address I have ever resided at.
Since I have no knowledge of this account or debt, and you have failed to provide any verification that I am legally obligated to pay, I request that you cease all collection efforts against me regarding this account. I expect you to inform the credit bureaus that this account is disputed and make the proper corrections to my credit report.
Please validate this debt with concrete evidence like an original signed contract or statements in my name, and proof that I am the actual debtor you are seeking before contacting me again regarding this account.
|
| 08/05/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I recently obtained a copy of my credit report and seen that the company XXXX XXXX is on my report and they keep changing my balance to make it look as if I have been making payments to them, and the truth is I have not because I was unaware that they were even on my report. So I have written the company 2 times and have not received a response from them with documentation about the information that they are reporting on my credit report. I have asked them to send me something about the information that they are reporting and something with my signature. The first letter that I sent our was on XXXX and I waited 30 days and did not receive any documentation from this company nor did they update my credit report as disbuted. So I sent them another letter on XXXX, and today is XXXX and I have still not received any information from this company, nor have they marked my credit report. However they have posted as if I have made a XXXX payment for the months of XXXX, XXXX and XXXX of XXXX, which in fact I have not made any payment to them because I am unaware as to what this account is and if it s truly even my account. They then tried to sue my brother in law because they attached him to this loan, but did not send me any notiication about the law suite . And this was after the statue of limitation had passed to be able to sue him or myself for that matter.
|
| 04/17/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Since XXXX XXXX I have been working to resolve an inappropriate charge with XXXX XXXX XXXX, without success. In XXXX my account was sent to Transworld Systems Inc. debt collection agency. I contacted one of their representatives, XXXX XXXX, on XXXX/XXXX/XXXX in order to dispute this charge and was told that they would send a verification request to XXXX XXXX to verify these charges were correct. I never received further communication from Transworld. In the meantime I have been in further contact with the Patient Liason at XXXX XXXX. On XX/XX/XXXX I was told my account had been sent to the auditing department and I should hear a result in a few days. On XX/XX/XXXX I was told my account was still in audit but the debt collection agency had been notified and my account was placed on hold. This was the last communication I have received. On my XXXX XXXX credit report the Transworld debt has been reported, despite my account supposedly being on hold and neither company contacting me further. I have attempted to contact XXXX XXXX and still have not received a call back. I called Transworld who referred me to their credit report department, but every time I call that number I receive a busy signal. This incorrect charge has now impacted my credit score, despite my best efforts to resolve the issue, and neither company is working with me to resolve the issue.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
TRANSWORLD SYS INC/51 has a medical account for XXXX XXXX in Delaware. I was unaware of this past account until it showed on my bureau. I called to inquire about it on XX/XX/21. I spoke to a representative on that day and also paid the total amount owed ( {$180.00} ). As of XX/XX/21 the account was paid in full and I received a confirmation number # XXXX. The account was reported as past due again on XX/XX/21. I called the company again on XX/XX/21 and spoke to XXXX XXXX who indicated that the account was still open and did not see my payment. She indicated that she saw that I called in but the person that took my payment did not note my account. I checked my account and the money was taken out of my account on XX/XX/21. She indicated that her manager told her to put my account in dispute because they have to look for my payment. This is unfair treatment and this account should not have been reported to my bureau as past due since it was paid. It also should not have been reported if I was not even aware of this past due balance in the first place. I never received any form of communication from this company. The rep told me that I would need to call back in a few days because it is not known when this issue will be fixed. Again, unfair treatment and inaccurate credit bureau reporting. In the mean time, I am negatively impacted. Please look into this.
|
| 02/03/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My complaint is against NCO Financial, formerly XXXX. Enough months ago to have cleared up this matter BEFORE losing my tax return, my husband received a phone call from NCO. They identified themselves, and made it known that I had about {$6000.00} in student loan debt and they were looking to collect on it. My husband informed them that I had been paying on my debt to rehab it and things turned sour there. He asked them to please not call again. The next day we received another phone call from them, to which my husband was told what I owed and it was an attempt to collect the debt. Things got even more sour and they were told to not call again. This company has my address on file, I had to verify it upon my phone call today to find out why they had taken my student loan with out given me written notice of my debt. I was not able to obtain any information only told that they can help me clear up my debt by making an arrangement. I never at any point prior to today 's conversation was made aware in writing that I owed a debt. I am filing this complaint today because even though they made a phone call and divulged my personal information to someone who was not authorized to have that information, they have not sent me, in writing, notice of my debt and subsequently took my tax return, without giving me ample opportunity to made good on the debt owed.
|
| 09/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I FIRST was informed of this debt XX/XX/2022. I have NEVER received a bill from this electric company saying I owe them. I never received a letter or bill or phone call from ANYONE including the " second '' creditor not this last one TransWORLD XXXX. when I saw this on my credit report I attempted to contact ALL of them to resolve this because a credit report should not be the first time I hear of a debt from 3 years ago. The fact of the matter is I am a single mother with XXXX in college and I got denied a Direct Plus loan for my sons tuition all because of this bill I am unaware of. I have XXXX debt aside from student loans and I am careful about this. That home at XXXX XXXX XXXX has MANY people living in there and they must have used my information without my knowledge. I really ; y dont know but I am trying to get it deleted so my sons loan may get approved. After I spoke to Transworld about this issue it is causing my son, they agreed to delete it, but then pressured me to give them my credit card info then used language to create a barrier and trick me into paying for something that does not belong to me. My son will get kicked out of University of XXXX XXXX if I dont get this resolved and it has contributed to XXXX for both him and I. Nothing is more important than my credit and his school right now. Please understand this is so unfair.
|
| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/2020 I received a communication in the form of a letter from TRANSWORLD SYSTEMS INC. that was dated for XX/XX/2020. I was shocked and offended to receive this communication because I had just moved to my new residence which was in a new state and never gave this Debt Collector permission to contact me nor did I give them my addresss. The communication stated that my account was placed in collections with TRANSWORLD SYSTEMS INC by XXXX XXXX XXXX XXXX. The alleged debt was for {$1100.00} to be paid immediately upon me receipt of their communication with me and to paid by check or money order to TRANSWORLD SYSTEMS INC. Unfortunately For TRANSWORLD SYSTEMS INC. They are in violation of Federal Law Under the FDCPA. I compiled a list of violations and sent an affidavit via XXXX certified mail on XX/XX/2020 to TRANSWORLD SYSTEMS INC ' s Mailing address in XXXX, Louisiana and Headquarters in XXXX XXXX, Illinois. TRANSWORLD SYSTEMS INC received both affidavits on XX/XX/2020. The affidavit that went to XXXX, Louisiana was received at XXXX XXXX by someone named Sessions and the affidavit that went to XXXX XXXX, Illinois was received at XXXX XXXX by someone named XXXX. TRANSWORLD SYSTEMS INC was given 15 days to respond to the affidavit but has not done so. Today is Thursday XX/XX/2020 and I am now contacting the CFPB to get this matter resolved.
|
| 07/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
TRANSWORLD SYSTEMS INC Contacted me XXXX XXXX on or about XX/XX/XXXX at XXXX CST asking for a XXXX I just got this new number from XXXX XXXX and it is registered with the state of Missouri and National " DO NOT CALL LIST '' however Transworld has my information and they still contacted me with no merit or reason even apologizing for calling me as my name XXXX was not in there system. The Rep advised me they are looking for a XXXX that owes them money which is a clear violation of " FDCPA '' with regard ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Per my new Carrier XXXX XXXX I may have got a recycled number however I have advised TransWorld Systems Inc I don't know any XXXX and they said it will take them several days for my number to be taken out of there system and I may still receive phone calls.
XXXX
|
| 05/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
IN SUMMER OF XXXX I NOTICED THAT MY CREDIT SCORE HAD DROPPED ABOUT XXXX POINTS. AFTER INVESTIGATING, I REALIZED THAT MY XXXX LOAN WENT INTO REPAYMENT, ALTHOUGH THIS WAS A GOVERNMENT LOAN. I CONTACTED UAS CONNECT AND THEY TOLD ME THEY COULD NOT RECOGNIZE THIS AS A GOVERNMENT LOAN. I ENDED UP PAYING OFF THE BALANCE OF THE LOAN ( APPROXIMATELY {$730.00} ) ON XX/XX/XXXX. I HAVE A BANK STATEMENT THAT REFLECTS THE WEB PAYMENT TO UAS XXXX. THINKING THAT I WOULD NO LONGER HAVE TO WORRY ABOUT THIS LOAN, I NOTICED THE ACCOUNT WAS STILL OPEN WHILE REVIEWING MY CREDIT REPORT. I CONTACTED UAS AND THEY TOLD ME XXXX WAS NOW IN CHARGE OF MY LOAN AS OF XX/XX/XXXX. I CONTACTED XXXX AND THEY HAD NO RECORD OF MY PAYMENT AND TOLD ME TO CONTACT UAS CONNECT. XXXX ALSO TOLD ME THAT THEY RECOGNIZE THE XXXX LOAN AS A FEDERAL LOAN AND IT SHOULD NOT HAVE ENTERED INTO REPAYMENT ( DUE TO COVID PUSHING THE LOAN REPAYMENT TO XX/XX/XXXX ). I HAVE NOW BEEN DEALING WITH UAS FOR 5 MONTHS TRYING TO SOLVE THIS ISSUE. I HAVE BEEN PROMISED PAID IN FULL LETTER, FALSE PROMISES. I HAVE SENT MULTIPLE EMAILS WITH THE BANK STATEMENT REFLECTING THE PAYMENT OF THE LOAN, AND EACH TIME I AM TOLD THIS WILL BE REVIEWED AND I WOULD HEAR BACK IN 7-10 BUSINESS DAYS. WEEKS GO BY, NOTHING. I RECENTLY ASKED TO SPEAK TO A SUPERVISOR AND WAS TOLD THAT A SUPERVISOR WOULD CALL ME BACK, NEVER CALLED ME.
|
| 07/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My husband and I contacted Transworld Systems ( TWS ) today after seeing 3 collection accounts on my credit report. The first represenative was very helpful and explained that we had 14 accounts actually and 11 for some reason were not reported. When I asked the reason 1 account would be reported while another is not her could not answer and actually suggested I contact my own credit specialist ( as if they would know the reporting policy of TWS. ) I then agreed to pay all 3 accounts in full today in exchange for these 3 being removed from my credit file as the other 11 they claim to have are. I additionally agreed to make a payment arrangment on the other 11 accounts. Unfortunately the represnative I believe XXXX was his name couldnt accomodate the request so he transferred me to a Manager named XXXX. At this point my husband was handling the phone call and when the manager asked if my husband was me I was out of the room so he said yes. XXXX became irritated and question my husband as he clearly sounded like a male, I at this point re-entered the room and got on the line indentified myself and explained to XXXX that I needed to get back to my home office and my husband would handle the payment. He called my husband a liar and refused to speak with either of us at this point, repeatedly calling my husband a liar and then he hung up the line.
|
| 01/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
|
| 04/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ).
I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX.
On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX.
I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone.
This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.
|
| 07/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Although I took my daughter to XXXX, on XX/XX/XXXX we left his office before any service was provided due to lack of hygiene XXXX general bad hygiene practices and inappropriate office practices ( inappropriate magazines in the children 's waiting area ). Immediately following the experience, my XXXX insurance company suggested I file a complaint with the Virginia Department XXXX XXXX XXXX. The case number is XXXX. Although XXXX XXXX XXXX provided NO service at all, his office fraudulently charged my supplemental XXXX plan and collected money for service he did not provide. Additionally, he has been fraudulently billing me {$14.00}. When I received a collection letter from Transworld Systems , Inc on XX/XX/XXXX I immediately tried to call Transworld. I tried several times, but was disconnected when I opted to speak with a representative. When I received another letter dated XX/XX/XXXX I attempted several times, again, to reach a representative with Transworld. On XX/XX/XXXX, I finally gave up trying to reach Transworld, and I called XXXX office directly to dispute the validity of this charge. I spoke with XXXX XXXX and also XXXX XXXX. XXXX XXXX called me back shortly after I spoke with her on XX/XX/XXXX and indicated that XXXX XXXX XXXX would not be pursuing collection, however, today, I received another Transunion Statement dated XX/XX/XXXX.
|
| 02/23/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
Hi, This question is regarding the lawsuit that the CFPB made against XXXX XXXX XXXX in XX/XX/2017. I had many default judgments with them and have been paying a company out of Utah called XXXX XXXX for the wage garnishments. I had asked them why they are taking payments with this lawsuit because I thought they were not allowed to pursue judgments while this is being investigated. I was told I had to pay anyway. I believe that these garnishments were all made after the statute of limitations in the state of Utah. I am so strapped paying them and my federal loans that I cant afford a lawyer. I believe that they have been taking my payments when they shouldn't be. Can someone let me know whether they can legally continue to take my money at this time? I had no idea of my rights when this went to court and no one at XXXX XXXX or XXXX XXXX XXXX will answer my questions regarding this lawsuit. I would appreciate any information that would shed light on my predicament or even what direction I'm legally able to take to get this taken care of. I would be so appreciative of any information you could grant me. I am barely surviving trying to keep afloat with the ridiculous payment they are forcing me to pay to avoid garnishing my wages and bank levies.
I can be reached at XXXX or are ( XXXX ) XXXX. Thanks so much for your time.
Sincerely, XXXX XXXX
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not receive any notification from the collection agency, and then I found it on my credit report for a wrong amount. I called them and asked why I had not received written notification of the debt, and they said they emailed it to an email address I had never heard of. Which means my private information was being sent ( repeatedly ) to a stranger. I contacted the original creditor and they verified that they sent my correct email address, which means somehow they mixed up my file with someone else 's. My mailing address was correct in their files, but they did not mail anything until I put in a dispute with the credit bureaus. They verified over the phone that they only sent it over email, and tried to call. ( I did not receive calls, but I assume it's because their number comes up as spam through my phone carrier ).
Despite telling them that I was not notified they refused to start over the process and stop reporting it. I'm not sure how they " verified the debt '' when the amount was incorrect and they had the wrong contact information.
They also insisted that they did not buy or own the debt, but were only working on behalf of the original creditor and I could go back and pay them directly, but the creditor said the opposite. I have placed disputes with the credit bureaus but this is a violation of the Fair Credit Reporting Act.
|
| 01/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collection letter on XX/XX/XXXX from Transworld Systems Inc., regarding a " past due '' account balance of {$240.00} I supposedly have with XXXX XXXX XXXX ( XXXX ). The letter is dated XX/XX/XXXX. It provides no detail regarding the when this account balance is from or what it relates to. There is no way of verifying this information to be valid without calling XXXX and providing them with my personal information and " account number '' listed on the collection letter, since I have no current account with them. I refuse to provide them with this information with no current account. I have not had an account with XXXX since XXXX of XXXX and have received no form of correspondence from XXXX notifying me of any outstanding balance since then. It is absolutely ridiculous that I can receive a collection letter for a company I have not even had an account with in well over 3 years and no way to identify what the debt could be relating to.
I find it very unethical of XXXX and Transworld Systems to attempt to collect a debt without providing any information regarding when and where the debt is from or any way to confirm its validity ( I don't believe it to be ). I am attaching a picture of the letter I received, for reference. I hope the CFPB can assist me in resolving this, so as not to negatively affect my credit score. Thank you.
|
| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit card ( XXXX ) had unauthorized transactions via XXXX XX/XX/2017. Two charges of {$370.00} from someone who had shipped something using my card number. XXXX immediately sent a new credit card and voided the charges. I received invoices from XXXX for a remaining balance of {$110.00} and {$370.00} and called them to inform them of the fraud. They voided the charges as well so now there is a balance of {$0.00} on their end. I called Transworld Systems Inc. ( Collections ) telling them what had happened. They are saying that I owe two balances of {$120.00} and also {$420.00}. They told me they are waiting on XXXX to give them the information, but case has been closed since everything was resolved in XXXX and there is a {$0.00} balance. I am concerned about my credit score since they are trying to collect money from me that I do not owe. I filed a police report and also obtained case numbers from fedex today. XXXX said they can not reopen the case due to the date and there not being a balance. This sounds like something that should be resolved between XXXX and their collections agency, but if neither party are in contact with each other, I'm assuming my credit will take the hit if no actions are taken. I currently do not have a way to scan all of the documents into the attachments, but I am happy to provide whatever is needed via fax.
|
| 02/14/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.
|
| 08/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from XXXX. After downloading my IRS transcripts from XXXX thru XXXX I noticed every single refund was intercepted. I contacted TSI which was the third party collection agency and was informed XXXX had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my Tsi file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to XXXX for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX checks but on the back the account says XXXX XXXX XXXX. XXXX should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is XXXX and TSI ar nowhere to be found on my credit report. Im being robbed.
|
| 05/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised.
Please remove the following accounts : 1.The following account is not mine TRANSWORLD SYSTEMS Account Number : XXXX REMOVE the inaccurate information from my credit report.
I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX XXXX Arizona unfortunately has to provide.
These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed.
Thank you. XXXX XXXX XXXX XXXX
|
| 05/13/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I went to XXXX for school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called XXXX stating i owed them payments never signed up with them apparently XXXX owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by XXXX they couldnt lower the payment since XXXX wont agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a MPN for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through XXXX and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing
|
| 09/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX has been harassing me by inaccurately trying to collect debt when I never signed up with them for any type of services. I called XXXX a while back to explain that they have the wrong person for the debt and i wish to not be contacted but XXXX continued to pursue me for debt that I don't know and has even turned it over to a third party Nationwide Credit , Inc in the amount of {$130.00}. XXXX and Nationwide Credit , Inc have violated the law by pursuing me when I never signed any documents or spoke to someone regarding the address I stay at. Furthermore I am not the lease holder nor do I hold a mortgage for the address they have on file so I don't know why they would be billing me especially since I never signed any documents nor did I have a written or verbal agreement. This is a violation of my rights from both of the companies for harrassing me and disrupting my right to privacy. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
TSI has been handling a debt that is with XXXX XXXX XXXX XXXX College. The debt was first listed on my credit report XX/XX/XXXX. The listing caught me off guard as I never received any prior notification and was unware that I even owed the debt. I have spoken with TSI XX/XX/XXXX and they gave me an invalid address of where they sent the letter too. I asked if they could remove it from my credit report to allow me the opportunity to find out what is going on because it was my first time hearing about it when it was on my credit report and it has been difficult to get In Touch with someone at the school because of the Pandemic. They said they could not and I needed to pay it. I had financial aid that cover 100 % of my tuition and expenses so I didn't understand why I owed it. I was finally able to connect with the college shortly after and they explained to me what happened, I also advised them that they have the wrong address and I never received any communication, not even a phone call and, would make arrangements to pay it but I needed it removed from my credit report because I didn't know I owed the debt. They said they could not remove it. I paid the debt off XX/XX/XXXX and it is still showing on my credit report. I have disputed it with no resolution and also reached out to the college as well as TSI and keep getting the run around.
|
| 08/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX : Retail Store Card for activity duty and retired service members and there family. I Got behind on my XXXX XXXX and was unable to catch up my payments when I started working for XXXX XXXX XXXX XXXX XXXX contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.
|
| 01/04/2016 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.
|
| 11/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I received a letter from this company stating that I owed an alleged debt. The company also notated in the initial notice that I had until XX/XX/2022 to dispute all or part of the debt. As of XX/XX/2022 this company has reported the debt to all major three credit bureaus dropping my XXXX XXXX over XXXX points without validating the debt Within the allowed time frame. I spoke with an agent on XX/XX/2022 and requested that this company cease all communication tactics and I requested A signature bearing contract with the company that is reporting the alleged debt on my credit report NOT the creditor that the collector bought the debt from. This is clearly fraud, negligence, and identity theft. I have never done business with this company, and I have never given any authorization for my Social Security number to be used for any purposes. This is clearly a violation of my consumer rights per 15 USC 1692c. Once again, I want to reiterate that this company is in direct violation of the Fair Credit Reporting Act and Fair Debit Collection Practices Act. I do intend on Looking into litigation due to the violation of my consumer rights, and I also plan on suing this company for defamation, negligence, identity theft, and a violation of my consumer rights under the Fair Credit Reporting Act and Fair Debit Collection Practices Act.
|
| 04/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Transworld Systems Inc " robo called '' the house and said they were a collections company and to call them back at XXXX XXXX XXXX XXXX XXXX. I called them back and spoke to a woman and asked her a few questions and said it was inappropriate for them to be calling during a global pandemic. I asked to speak to a manager and she hung up on me. I called back from same number and they picked up and hung up again. I called again from a different number and spoke to a woman named XXXX. I told XXXX I was displeased and asked to speak to the manager. She said she would see if she could get ahold of the manager as they were all working from home. I sat on hold for 15 minutes of her attempting to contact a manager and waiting for a response. She then claimed her computer was crashing and that she may not get ahold of her manager due to that. I told her I would wait till her computer rebooted. She left me on hold for another 15 minutes and then said she was ready to transfer me to the manager " XXXX XXXX '' *. Thirty seconds after her saying she was transferring me the call was dropped. Third time I was hung up on in one day. I have never received a single piece of mail from this company claiming I owe anything. I also believe due to the global pandemic, it is an extremely inappropriate time to be collecting debt. No one is working to pay debt
|
| 05/03/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a correspondence from this company ( Transworld Systems Inc ) dated XX/XX/XXXX , that stated they will make a request to have this account/item removed from my credit file. As X/XX/XXXX , this has not happened. On X/XX/XXXX I filed a complaint with the CFPB case number XXXX and the company responded stating that they have requested to have the item deleted from credit file. The account on these correspondences is XXXX . They continue to report this item/account to the credit bureau ( s ) with an account number as XXXX . On XXXX I sent another correspondence to this company, which they received on XXXX per XXXX tracking. As of X/XX/XXXX I have received no reply or correspondence from this company, but they continue to report to the credit bureau ( s ). The company also sent me a copy of a promissory note. In my correspondence I requested the original wet ink signature document as the copy may be a forgery. 1. What is the alleged account number XXXX or XXXX ? The company reports with both of these numbers. On the letters received it is listed as XXXX , but on credit report as XXXX . 2. Why is the company using XXXX different account numbers? Seems to be unlawful and fraudulent activity. 3. Can the company provided the original wet ink signature document ( pr omissory note )?
|
| 07/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX is sending me to collections over a non existent debt.
On XX/XX/2022 i purchased a XXXX XXXX XXXX XXXX XXXX' that costs {$30.00} ( XXXX dollars ). I paid with my debit card that same day.
later on they billed me in XXXX different chargers and the XXXX XXXX XXXX XXXX XXXX. I paid in full the other part of the debt but i didn't paid for the XXXX because i thought it was a mistake.
i tried to reach them over the phone several times but no one ever answered on their billing department. i tried calling the phone number listed in the medical bill to explain that this debt was paid in full the day of the service but no one ever answered me or return my call.
On XXXX they billed me again just the charge for the XXXX XXXX XXXX XXXX XXXX for {$30.00}. At this point i contacted them over the phone to the billing department as well to the phone number in the bill. No answer, no call back. I even sent a dispute to their XXXX XXXX XXXX billing disputes and no answer.
today XX/XX/2022 i found that they sent me to collections for a service that i already paid and i have bank statements showing that on XX/XX/2022 i paid in full.
i contacted the collections agency and they were very kind and helpful. they asked me to email my proof and they put XXXX XXXX XXXX under investigation and they are waiting to hear back from them.
|
| 09/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This issue started with fraudulent charges to my XXXX account. I received 4 different invoices starting in XX/XX/XXXX. These invoices were dated XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX.
I reported the fraud to XXXX. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and on each occasion I was assured by different people that they had taken care of the issue and closed my account, and I did not owe any money for this fraud, but despite this, I continued to receive bills.
The invoice dated XX/XX/XXXX I did not receive until XX/XX/XXXX! I received Past Due notices for the XX/XX/XXXX invoice and the XX/XX/XXXX invoice, but no others.
I was assigned a case person from the fraud department- XXXX XXXX , and given her direct phone and email contact information. Despite multiple phone calls and emails using the contact information I was given, no one ever answered or returned my phone calls or emails.
In XX/XX/XXXX I had my last conversation with XX/XX/XXXX and was again assured by a supervisor in the XXXX fraud department that the issue was resolved, my account was closed, and I needed to take no further actions.
I received no further Past Due statements.
As of today, I received notification that I have been sent to a debt collection agency Transworld Systems INC for the sum of XXXX over the fraudulent charges.
|
| 03/26/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem.
|
| 10/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This seems to be the only way to contact this company. The first time they sent me a debt validation notice that was wrong for a {$380.00} debt. Said it was put in " restrictive status '' not sure what that meant. And they said they mailed the debt validation not on the XXXX as their paperwork indicated but on the XXXX which was a Sunday. Which turned out to be a provable lie. I tried to call them I faxed them no response. What is restricted can you still sell the debt is it erased? Filed a second CFPB complaint they responded with were having an internal investigation were closing the account. I have tried to find out what that means. I called them left messages. I want to know if they can resell this debt or if it's gone. They also are supposedly holding an internal investigation I don't know if that is true or not but I'd like to know the outcome of it. Who did what? What was the punishment? Why do I need to file CFPB complaints to hear from this company. I think it's fair to say they have violated the FDCPA enough times that they should confirm the debt is gone forever and pay me for these violations. Obviously I am the one this is about so I want to know what this internal investigation uncovers how thorough was it? I called left messages for the people they said XXXX XXXX and XXXX XXXX who seems to be pretty high up there.
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
I write you to address cascading events sprung by serial errors of XXXX Bank of XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX {$230.00}.
This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action.
I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing.
Yesterday, I received a demand letter for {$230.00} from a debt collection company, Transworld Systems Inc, TSI ( attached ). Now, my credit score has been damaged by false reporting.
|
| 11/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
Older American |
|
In XXXX I found out through being Executor of my Mother 's estate that there were outstanding federal student loans in my Name that were in default. I made arrangements through the Estate Lawyer ( XXXX ) to make payments to the Debt Collector Transworld System. At the time of the agreement, I was told that if I made 10 consecutive payments I would exit the default rehabilitation program. It is now 15 payments with no word from either Transword of the Dept of Education as to exiting the Default program- with my hope to have a more favorable monthly payment. I have called Transword twice and was told that my account would be transferred to US Dept of Education no later than XX/XX/XXXX That has not happened and I just got another notice from Transworld of their intention to deduct another payment on XXXX/XXXX/XXXX.
Recently, my company told me that my job is being outsourced by the end of XXXX, and I will not have the financial resources to pay what I am currently paying.
So in the end, I need my account as stipulated at the beginning out of collections as I have more than satisfied the requirement of 10 months. As of this writing it is now 15 months.
With the prospects of being unemployed I do need to engage the US DEPT OF EDUCATION to renegotiate the amount I can truly pay given the change in employment.
XXXX Borrower # XXXX
|
| 08/07/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
In the past I have had a problem with medical bills from XXXX XXXX XXXX XXXX, XXXX. I divorced my wife and bills come to her address and she does not report them to me and allow them to go to Collections. This latest bill is the same. I have an alert on my credit and this is how I know about a negative report of XXXX dollars to XXXX XXXX from XX/XX/XXXX or XX/XX/XXXX. My credit check says that it is bill from XX/XX/XXXX and TransWorld Inc. Collections says XXXX XXXX. I have spoken to representative of TransWorld and I explain the situation with my former wife and she refuses to communicate with me. I paid XXXX dollars to TransWorld. Then I was told from TransWorld that XXXX dollars and change was owned to XXXX XXXX in XXXX XXXX which my daughter was given care too. I spoke to my daughter and she says that she was given care and she was going to pay bill but she did not receive a bill. Yes she used my former wife address. Also my Medical insurance company has not received a request for payment for XXXX. XXXX or XXXX bill, XXXX is unable to reference the bill because their records goes back to seven years only. I have email XXXX XXXX but I have not received a response for details concerning both bills and why they send bills to my former wife instead my address. My daughter is in college that is reason why she is on my insurance.
|
| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Transworld systems has been trying to collect an invalid debt. I asked for validation of the debt aside from the wrong information they're using to validate the debt they didn't send me the letter within the 30 day period. This invalidates the debt and allows me to collect {$1000.00} from them. I sent the letter asking for debt validation via certified mail with return proof. I sent to their headquarters and where they told me to send it. They signed for it on XXXX/XXXX/23. The letter they wrote validating the debt is labeled XX/XX/23. The letter I sent where to send it too they have a stamp that says " XXXX XXXX '' which they put in the date of delivery. I'm not sure what day XXXX XXXXXXXX days but it's over 30 days.
So the validation was wrong and they broke the law by not responding in 30 days and I don't know if it's legal to use a stamp to sign for certified mail and not fill in the day you received the letter. Also the debt validation has wrong information it says XXXX XXXX was my referring physician. This is wrong and I will be googling and telling him that he is being used by a debt collection company to justify a debt. Also there's minimal information on the actual validation. It's riddled with blank spots. The original creditor XXXX XXXX should be investigated for insurance fraud XXXX XXXX did not refer me to them.
|
| 07/06/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX I was made aware by UAS that I had a payment for my XXXX Loan coming due. I am in the Georgia XXXX XXXX XXXX and am enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SLRP ) and between disbursements I put my loans into mandatory forbearance. When I received the email informing me that a payment was due I completed the form for a mandatory forbearance form ( attached ) and sent it to UAS requesting it be applied to my account. The next day I received an email response ( attached ) telling me that I used the maximum amount of forbearance 36 months and that no further forbearance could be applied to my account. I have no idea how this is possible since I have only applied for mandatory forbearances with the exception of one deferment in XXXX when I was XXXX in XXXX. I believe they have applied my mandatory forbearance to my general forbearance time limit. When I called them on the phone to resolve this I spoke to a XXXX XXXX who informed me that they would not place a mandatory forbearance on my account, even after I told her it was mandatory for them to do so, because I had exhausted my 36 month time limit, and that that time limit applied to both mandatory and general forbearances. She told me that I had no other option than to pay the due amount immediately. My service to this country met nothing to her.
|
| 01/13/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I noticed that a collection from the company Transworld kept showing up on my credit report last year. I called the company at that time and they informed that I owed a outstanding medical bill a hospital in new jersey for emergency room services XX/XX/2017 or XX/XX/2017. i explained to them that I had health insurance at the time. they explained that I had to have the insurance company contact them. The insurance company contacted the collection agency and to my knowledge the bill was paid. I noticed that it did disappear off of my credit report, but then it reappeared again a month later for the same thing by the same company. I then contacted them again about this matter, I also had the insurance company contact them again. I was told by Transworld to not contact them again ; i should contact the insurance company and the person who made the bill which is XXXX XXXX. I contacted XXXX XXXX and they said the bill had been paid. The insurance company of XXXX of Delaware tried contacting them again to tell them that this bill has been paid to no avail. That was two weeks ago and I contacted the Credit Bureau to see what they could do because it still is not off of my credit report. The Credit Bureau suggested that I report them to your organization due to the fact that this is the second time that they will have to take it off.
|
| 02/14/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
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I'm XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX. The company that collects the direct loan for XXXX XXXX is UAS XXXX. My Account # is XXXX. UAS debits my bank account 3 full days before the due date. I've written to them several times about this and their response was to change the due date, which obviously doesn't solve the problem. I recently changed the due date of my last payment to XX/XX/2023. I changed the due date 3 days in advance of the scheduled payment, which was XX/XX/2023. I subsequently received 3 voicemails and several emails inquiring about my " missed payment '', when in fact all I did was move the due date-as I was instructed to do by UAS when I wrote to them previously. They debited the account 3 days before my scheduled due date. This month, XXXX, UAS moved the due date back to the XXXX. I didn't realize this until the XXXX of XXXX-1 full day ahead of the due date. I tried to change the due date but UAS had already debited my account. Now I am hundreds of dollars negative in my bank until my next pay date. The aggressive payment schedule, which is $ XXXX dollars a month is non negotiable-meaning I can't lower the payment. Paying back this loan, which was for education, demands 10 % of my total salary. These practices of early debiting are unacceptable, and according to XXXX 3 day cycle are illegal.
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| 12/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I'm a military personnel. I moved from my house in XXXXXXXX XXXX XXXX XXXX before my order. I put my house on the market to get it rented. Visitors coming to see the house, opened the toilet that leaked for about 2 months. I fixed the issue after receiving the bill of {$3600.00}. I requested an adjustment and my closing bill was {$2200.00}. I told them that I'd not be able to make one-time payments but I will make monthly payments. Things that the XXXX refused. I was making my monthly payments when XXXX gave my debt to Transworld Systems a debt collection company that reported twice the same debt in my credits report with XXXX different amounts which are not accurate.
I called XXXX, they confirmed that the report was not correct because I have only one account with them.
I contacted the XXXX collection company and they confirmed that it was the same account reported twice. I requested to take XXXX report off to allow me to continue my monthly payments. They seemed compliant the first time I called them but they did not make the modification for about 3 months now. I called them last week to understand why it is not done yet and they said XXXX asked them to keep it in my credit report and they said they don't about that.
I want them to take XXXX report off my credit report to allow me to continue my monthly payments.
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| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Resident of XXXX XXXX, XXXX Kentucky. Moved out 9 months pre-lease expiration but continued to pay lease until expiration ( on time ). Approximately 2 weeks prior to lease expiration XX/XX/2020 ( week XX/XX/XXXX ), had moving/cleaning company remove items and clean. Notified by cleaning company that kitchen trash compactor stopped working during move-out cleaning process. I contacted via email management and informed that trash compactor inoperable. As such, water that cleaning company used to clean kitchen dishes, etc. could not be drained. Response email stated they would service. Images sent from hire company of cleaned apartment. Later, received a cleaning/repair bill for roughly {$500.00} dollars for cost of trash compactor repair, a non-use water ring in 2nd commode, and accumulated dust collected under the " hob '' of the stove. Company also refused to return rental deposit. I have images and video taken by the moving/cleaning company that show a well-cleaned, undamaged apartment. Images clearly indicate company has used less the minimal wear-and-tear to falsely claim damages and thus, inflated amount of debt.In addition, company has reported this item to all 3 credit reporting agencies. I have phoned the company twice ( have recordings ) and tried to address issue. I have other video but are greater than 10Mb.
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| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have disputed this account with credit bureaus as the balance is incorrect. I provided the statement to the credit bureau showing the end balance with a date of XX/XX/XXXX. The company in turn sent by mail the exact statement with the correct balance, but they are not reporting the CORRECT end balance. I received correspondence in the mail from the company dated XX/XX/XXXX " While we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of the alleged inaccuracy. '' Which leads me to believe this information was never actually verified.
The previous complaint did not address my issues. According to the statement that you sent you are still reporting an incorrect balance. I see a balance on XX/XX/XXXX that is lower than the balance that you are reporting. Besides that point the balance would still be incorrect as the deposit that I paid to the apartment when I moved in is not showing on the move out statement to reduce the balance. Which I pointed out to the previous collection agency and they never responded and removed the account from my credit report. You DO NOT have proper verification of the account nor the amount due.
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| 08/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have an account in collections on my credit report and the debt is not mine. I contacted this company to resolve the issue but im told to take it up with the credit bureau. I was never contacted by mail or telephone prior to them reporting the debt to the credit bureau. I tried to send a certified letter of validation of this debt to the address listed on my credit report but the letter was undelivered according to the post office.I tried several times to get this issue resolved but no one that i speak with seem to want to help me. I found out that the debt belongs to my daughter who is an adult and at that point i was told that this debt is a mistake. I dont believe its a mistake because there is no account to be found under my name. The way that this company finds me is under my daughter name which they have listed as the account primary holder. They clearly got the invoice from the original creditor with the person that need be pursued. I have a copy of the exact invoice and my name appears no where. I believe the went beyond the scope of the invoice to implicate me and thats not legal either. Even if it was a common mistake they should be more willing than they are to resolve the issue. I feel that this company needs to be reported. I attempted to resolve this matter several times and im still getting no where.
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| 12/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email on XX/XX/XXXX that an amount of {$220.00} from XXXX bridges and Tunnels has been sent to Transworld systems inc. I called Transworld system who mentioned the violation is from unpaid tolls from XXXX XXXX. However, I have an XXXX XXXX and have been an XXXX XXXX holder since XXXX. My XXXX pass account has been on automatic payment since XXXX. Also I utilize the app that states no activity was made in the month of XX/XX/XXXX. Neither have i received any notification about an unpaid debt until just now that I have been sent to collections. I am very frustrated and will submit documents showing that I indeed am an XXXX XXXX holder with no transaction activity for the month of XXXX along with the statement i received today in my email from Transworld system inc.
If a balance is owed I require proof along with balance being taken off from collections because again my XXXX pass account has been on automatic payment with my bank on file since XXXX so there should be no reason for my account to go into collections.
I spoke to Transworld system inc today XX/XX/XXXX and they put a dispute and they also advised me to issue a dispute. I call XXXX XXXX and when you call the automated system states if you want to dispute any collection debt to speak to the agency it was sent to which is Transworld system inc
|
| 08/11/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Have been trying to resolve a debt with Transworld Systems , Inc. ( TSIXXXX ) but am unable to get anyone to help me. This debt was settled with XXXX XXXX XXXX XXXX XXXX in XXXX 2017 and I have called Transworld at least 5 times only to be referred to their " legal team '' which then routes the call to XXXX, XXXX, XXXX XXXX XXXX who tells me the account is settled. Each time I call Transworld, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to XXXX. The people at XXXX, XXXX, XXXX XXXX have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call Transworld Systems Inc. I am becoming very frustrated as I have not received any documents in the mail from Transworld saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with Transworld, XXXX, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.
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| 10/07/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
|
| 01/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I was a real estate agent with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX during the period XX/XX/XXXX-XX/XX/XXXX.
When I disassociated myself from the brokerage, my online account had fees assessed to XX/XX/XXXX. However the final bill they send changed the dates to the last date of XXXX/XXXX/2016. I asked that my fees get prorated to the day that I left because I was being asked to pay for a Legal Assistance Program of {$420.00} for a year plus some additional fees. The Legal Assistance Program is a program that protects agents legally if any lawsuits would arise during closing of real estate contracts.
I asked XXXX if I paid for the program, if I would have access to it. I was told NO because I was no longer affiliated with the company. I then said that I do n't think that I should pay for a program that I will not use or have access to. I was then advised they would send it to collections and it would affect my credit. I sent XXXX a pro-rated check of {$130.00} and XXXX rejected the check and sent it back to me and sent the demand for payment to collections. I have received several collection calls from XXXX.
I find this more than predatory. It is unconscionable to demand payment for a service I have never used or even have access to if I pay for it. I hope you can investigate and advise accordingly.
|
| 02/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
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I have made several attempts to have the following information removed from my my XXXX and XXXX reports ( due to the age, paid off status ) : Transworld systems # XXXX ( medical- XXXX XXXX XXXX XXXX bill ) reported to collections ( on XX/XX/2014 ) account by calling XXXX. I spoke with a representative who denied numerous times that they, 1. had the account and 2. reported it to the credit bureaus. I specifically asked numerous times ( on a recorded call ) to have the item removed and WHY I was making said request, to all request she kept trying to only " give me a letter saying it was paid in full. '' I AM well aware it was paid in FULL, I expressed that to her over and over. I again stated my request to have it removed due to age, per the credit reporting laws ( " The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history '' ) She again pretended to not understand my request. I then told her I would be making a complaint through this agency for a remedy of item removal. I asked to speak with a supervisor, none were willing to come to the phone! I am asking CFPB to assist me in having this item removed from my credit report due to age/history.
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| 01/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I saw a new dentist at XXXX XXXX on XX/XX/ in XXXX Colorado for a simple teeth cleaning - preventative care 100 % covered by my XXXX XXXX insurance. I provided my dental insurance information with XXXX XXXX XXXX Colorado XXXX XXXX XXXX ID XXXX. The office manger there has repeated the correct information over the phone twice or more monthly and promises they will file a claim and not try to collect from me. However, to date, they have not filed any kind of a claim with XXXX XXXX nor provided proof of service and medical records so that I can file the claim myself.
Both I and XXXX XXXX have repeatedly reached out together via phone ( through XXXX XXXX 3-way call ) and secure XXXX XXXX email system to get them to file the claim or provide proof of service. Per XXXX XXXX 's contract with XXXX XXXX, they can not send a patient to collections without first submitting a claim. However, they have sent me to collections. ( copy attached ).
No matter what we do, neither the collection agency nor the Dentist will stop. They even send nasty text messages that I can not opt-out of.
If they can not provide proof of service and medial records they can not send me to collections, so is what they are doing illegal? How can it be stopped?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/22/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I paid online my full past amount due. It was only about {$510.00}. That included any payment up until XX/XX/XXXX that may have been delinquent. Then, when I go to make the next payment in XXXX, I see via my credit report that the account has been delinquent since XXXX of XXXX. So my payment in XXXX, never covered the past due amount because somehow, even though I clicked " pay past due amount '' it was {$6.00} short. I, of course, didn't realize this until this next payment was due, because they didn't care to tell me. But what the issue is here is a random {$6.00} debt that must have been applied the moment I clicked " pay past due amount '' that keeps my account delinquent no matter how hard I try to pay it. I don't want to make another payment in fear they will just take my money and add another {$6.00} to keep me delinquent.
This is seemingly predatory, and the lack of communication and effort on the loan collectors side is unbelievably unhelpful.
The loan servicer is UAS. When I called the first time to ask why this was happening, the customer service agent hung up on me within minutes of hearing about this extra {$6.00}. When I called back the new agent told me it would take a while to review the account. Meanwhile I can not buy a house because of how these reports are affecting my credit
|
| 03/03/2016 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
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|
Web |
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I had been in dispute with XXXX mail service since XXXX XXXX. XXXX sent me several prescriptions with a total co-pay of XXXX. I promptly paid XXXX by check as well as XXXX using pharmaceutical vouchers/coupons. XXXX returned the coupons advising me that they did not accept them and requested I pay the balance of {$130.00}. I was surprised by this and contacted customer service to ask how I would have known they did not accept coupons, they stated I would have to call them to find this out. I stated that was unfair since I could have gone to the XXXX store down the street and gotten the medication and had the coupons accepted. Their failure to disclose their coupon policy put me at an unfair advantage. In XXXX XXXX, a customer service rep told me that I could go directly to the drug manufacturer for reimbursement which I did. I received {$55.00} from the manufacturer which I promptly remitted to XXXX. This left me with a balance of {$77.00}. I contacted customer service again to discuss how to dispose of the balance but had been playing phone tag. On XXXX XXXX, XXXX, XXXX processed a debit adjustment against my credit card on file without my permission to collect the remaining balance. I have attached the email correspondence where they assert that they had the right to charge my credit card without my permission.
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I was in the last month of my least and gave them notice within the 60 days required that I was moving. I have a video of my apartment on my last day showing the cleaning was completed. In the video it will show the condition of the apartment it needed the carpet cleaned and a few blinds replaced ( all normal wear and tear when you live in a home ) and a handle that came off but was left on the counter. I did not attempt to get my deposit so that it could be used to clean the carpets and replace the blinds plus put the handle back on. Other then that there was no damages and EVERYTHING was clean and ready for the next tenet. I have asked for proof from them of any damages or receipts from any services they preformed multiple times and a itemized account of charges and have not received nothing to support their claim. I do not know how they are saying I owe them {$4500.00} to me they are commenting fraud and trying to scam me out of money I do not owe. I will be happy to provide the video so that you can see for your self. I moved out on XX/XX/2019 my least was up on XX/XX/2019. This is a scam and fraud I have disputed this for over a year and gave them the opportunity to correct their mistake and they have not so now I need your help please. The video is to large to upload is there another way to get it to you?
|
| 12/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I received a call in XXXX of 2015 from a person who said they were calling from a hospital I had visited several months earlier. They stated that I had a late bill, and since I had recently moved I figured it had been lost in the mail, so I paid the amount ( around {$300.00} ) right on the spot. I later found out that it was a collection agency and not the hospital that had called me. I contacted the hospital I had visited and they said all of my accounts had been paid in full and on time, and that they don't even deal with this collection agency that had contacted me. I contacted the collection agency again ( Transworld Systems ) and eventually they gave me the contact for the XXXX company they got the account from ( XXXX XXXX XXXX ) I contacted them and with the information i received from Transworld Systems the XXXX company said they had no record of me ever being in their system.
So, the hospital says that I never paid anything late, the XXXX company has no record of me in their system, but Transworld Systems stil says that this is mine, but when I call them they can't verify anything they tell me.
I have disputed this account with all 3 credit bureaus multiple times and provided them with documentation backing everything I have said here and yet Transworld Systems still claims this account is mine.
|
| 06/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Transworld Systems or TSI called me and called my elderly parents to collect a medical debt that I do not owe and that is not reported on my credit report. Their representative stated I owe more than {$500.00} to XXXX XXXX XXXX XXXX. I explained that I did not owe this debt for the following reasons.
About two years ago I was a passenger in a XXXX yellow cab. The cab was struck by another car. As a result, I received treatment at the hospital in XXXX XXXX, which is now a part of XXXX XXXX. I explained to the Transworld caller that if the alleged debt arose from this incident, it was not a debt that I owed. The hospital was authorized to collect payment for my treatment from the insurance companies involved in the car accident and did so.
I do not know how this debt collector received my information about this debt as to my knowledge does it does not appear on my credit report. More importantly, they called my parents at their home even though I have never shared their phone number with them or XXXX XXXX XXXX Services, or the hospital. My dad is in his eighties. It is abusive for them to call my family to attempt to collect a debt, especially a debt that I do not owe.
I also do not understand how they would lawfully disclose medical debt information to a third party, even if that information is inaccurate.
|
| 07/01/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I had student loans with XXXX. They were transferred to Transworld Systems. The original amount was XXXX XXXXXXXX. We agreed to a settlement of XXXX XXXX. I made every payment as agreed to with automatic deduction from my bank account. This started on XX/XX/XXXX. My final payment was made on XX/XX/XXXX. There was additional withdraws set up for my account. On XX/XX/XXXX, I spoke with XXXX ( A supervisor ) about that. At that my point my balance showed {$7300.00}. Accoprding to my settlement agreement, I owed {$2200.00}. XXXX agreed that according to records this was correct and we scheduled two final payments. XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$1000.00} and that would complete my obligation. I spoke with XXXX again on XX/XX/XXXX and she stated that the account was paid and a request to remove from my credit report would be made. I also requested a letter stating that I had paid the account and have received that and attached. The Collections were removed from my credit report on XX/XX/XXXX. On XX/XX/XXXX Transworld reported to XXXX that I have an open collections account for XXXX XXXX. I have tried and worked hard to bring my credit score and repair my credit. I was doing great. This crushed that. I was denied a loan and could n't figure out why. Then I checked and saw this. This is wrong.
|
| 12/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX XXXXXXXX is trying to collect {$760.00} from me for my kids service date XX/XX/2023. It's a simple XXXX XXXX visit for both my kids and covered by insurance but they never filed it to the insurance and started sending me amount due letter from XX/XX/2023. I tried multiple times to call them and even had the insuracne company call them once so they can file the claim but they didn't do anything and continued to send me collection letters. I sent them a certified letter XX/XX/2023 asking them to provide me the detailed bill and proof that they have filed the claim with insurance. I didn't get any response to that letter.
On XX/XX/2023 I went in person to the dental office on XXXX XXXX XXXX XXXX Arizona and they promised that they would file the claim with insurance company. They did file the claim with the insurance company for my XXXX XXXX and insurance denied the claim with the explanation that since the provider didn't file the claim in time they can't pay them with with mention of XXXX Patient responsibility. For my XXXX XXXX no claim has been filed with the insurance company.
On XX/XX/2023 I have received a letter dated XX/XX/2023 from a debt collector agency Transworld Systems Inc that I owe {$760.00} to XXXX XXXX. At this point this is between the provider and insurance company.
|
| 03/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I owed the original creditor, XXXX XXXX, a total of XXXX for a former account. XX/XX/XXXX, I made a payment of XXXX. This was updated on my credit report. On XX/XX/XXXX, I made a payment of XXXX. Both payments were made directly to XXXX XXXX. I have disputed the balance owed on this account multiple times to XXXX XXXX and XXXX. Transworld is the collection agency contracted to collect the debt continues to report a balance owed of XXXX. I called Transworld on XX/XX/XXXX and was told that XXXX did not notify them that the second payment had been made. I called XXXX on XX/XX/XXXX and spoke with a XXXX who informed me that the balance is XXXX On XX/XX/XXXX, XXXX contacted Transworld and informed them that the balance is XXXX and to remove it from the credit report. I followed up with Transworld today and spoke with XXXX XXXX ( agent idXXXX ) and was informed that their records show that I owe a balance of XXXX. I called XXXX again and asked for the CEO 's email address as I needed to escalate the matter. I was then told by a rep who worked for XXXX that they would notify the collection agency that the account was not only paid off but they would request to have it removed from my credit report. I feel that I have done my due diligence in taking care of this matter but it is still adversely affecting my credit.
|
| 03/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX, a heating and air conditioning company named XXXX XXXX XXXX XXXX located in XXXX, TX, refunded {$70.00} to my credit card at my request. I did not receive an invoice or any communication from XXXX XXXX regarding an amount due. On XX/XX/XXXX, eleven days later, I received collection notice for {$70.00} from Transworld Systems , Inc.
On Monday, XX/XX/XXXX, I spoke with the accounting department of XXXX XXXX. The person I spoke with, XXXX, indicated to me that the bill was in error and erroneously stated that XXXX XXXX handles collections in-house. When I asked for a written statement showing that our account had a XXXX balance, XXXX offered to send me an email.
I requested that I also receive a written statement that no debt is owed from Transworld Systems, since they are a separate company based in Pennsylvania. At first, XXXX claimed again that XXXX XXXX collects debt in-house, but then stated that Transworld was indeed a separate company and that contacting them would be my responsibility. I requested that XXXX XXXX reach out to Transworld and request a {$0.00} invoice for me since they were in error. I also requested to speak with a manager at that time.
As of close of business Wednesday. XX/XX/XXXX, I have not heard from anyone or received anything from XXXX XXXX or Transworld Systems.
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Received a collection notice from Transworld Systems Inc. in regards to a final utility bill that was never received from XXXX XXXX. When I cancelled service with XXXX XXXX, I was told they would use my deposit for my final payment. Apparently the deposit did not cover the full balance remaining. I initially disputed Transworld for validation of the debt to which they sent the final utility bill from XXXX XXXX. Upon receipt of Transworld Systems response, I contacted XXXX XXXX and talked with their customer service representative on a recorded line. I explained that I had never received the final bill at my new address and wanted to pay it with a guarantee that XXXX XXXX would remove the account from Transworld Systems Inc. and also from reporting on my credit file. The customer service representative put me on hold, spoke to a supervisor, came back on the recorded line and assured me that if I paid the account in full XXXX XXXX would recall the debt from Transworld Systems and have the item removed from my credit report. It is now nearly a year later and the tradeline is still being reported as a collection by Transworld Systems Inc. on my XXXX credit file. As I stated, the call with the XXXX XXXX rep was on a recorded line and I was guaranteed the removal of this item since I never received a final bill.
|
| 03/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Im filing a Legal and Ethics Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of TX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX, ( XXXX ) XXXX. & Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA. XXXX. ( XXXX ) XXXX, for falsey, illegally filing a collection claim against me for nonpayment of rent, moving before my lease contract ended. XXXX XXXX XXXX XXXX denied me the right to correct the false allegations before sending the claim straight to the collection agency. There was no contact during or after my move from their property on XXXX XXXX, 2020. Thats the date I moved out in accordance to the end date on my lease contract, even though I was being threatened and stalked by a violent, dangerous male tenant on their property. I had to stay in that dangerous situation because XXXX XXXX wouldnt allow me to move under the Violence Against Women Act, there reason was because they didnt cause the problem. I have all the documents and emails to prove that the collection claim that XXXX XXXX XXXX XXXX filed against me was fraudulent. Im requesting information on how I can proceed with the complaint so that I may be able to get the removal of the claim from my credit report, because that has caused me irreparable financial damage.
|
| 08/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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I have two different collection companies trying to collect on the same debt. The companies are Transworld Systems Inc. and XXXX XXXX XXXX XXXX. The debt collection is for a medical bill I owe XXXX XXXX XXXX Medical Center in XXXX WA. The amount is {$200.00}. I called the medical center but they could not help because the amount I owed had been turned over to XXXX XXXX XXXX. XXXX XXXX said they were getting a lot of calls about this same issue. XXXX XXXX forwarded my call to another person and I left a message for them to call me on XX/XX/XXXX. They called me back on XX/XX/XXXX and ask that I fax everything to them and XXXX XXXX XXXX collections would not call me or collect from me until something was resolved but that Transworld might call me because they could not stop them from calling me. I faxed them the information on XX/XX/XXXX. I faxed them the " invoice '' from XXXX XXXX XXXX and the collection letter and invoice XXXX XXXX XXXX Medical Center that Transworld System sent me showing the same account number and same dollar amount. I do n't mind paying what I owe, but I am not going to pay it twice and I do not want not paying one and paying the other to effect my credit rating. Also if I had not been paying attention, this might have got paid twice and I would not want that happening to someone else.
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| 07/17/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hello, I have an XXXX and my account is updated and fully funded. XXXX is provided via XXXX XXXX XXXX website. During my travel from XXXX to XXXX via XXXX , a single toll detector might have failed to detect my displayed XXXX in the windshield. Then I received a traffic violation ticket from with the XXXX XXXX XXXX ( XXXX ) to {$58.00} for a {$9.00} toll fee. XXXX gave me the opportunity to explain the violation, which I did in a timely fashion. I explained to XXXX that as I drove from XXXX to XXXX and back while stopping at a number of tolls, so to have only one toll violation directly points to a faulty detector and not my lack of willingness to pay the single toll at that station.
Next, I receive a threatening letter from Transworld Systems inc, threatening me to pay a {$58.00}, without knowing where or who it is or even providing any specific explanation. I am not sure what entity Transworld Systems Inc is, a branch of XXXX or the muscle to collect for XXXX . Moreover, it is unclear where is it located? This is the address that appears : Transworld Systems Inc. XXXX XXXX XXXX , XXXX , OH XXXX .
However, there is yet another address that appears on the collection letter : XXXX XXXX XXXX XXXX , DE XXXX .
Please investigate, thank you.
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| 07/29/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Credit company TSI ( Transworld Systems Inc. ) called trying to collect debt owed to XXXX XXXX XXXX. I did not recall the doctor or time frame right off the bat. Was informed the credit company would investigate and get more information from XXXX XXXX. A week later I receive a bill that stated {$4200.00} and then noticed that the bill was suppose to be {$3400.00}. Not only was he over charging me but also noticed with the paperwork that I received from TSI was my Medical Record Chart that explained my procedure, my past medical history, and background information as in my health. I learned stuff about my procedure that I did not even know about. Not only is this against my HIPPA rights but XXXX XXXX also over charged me.
I know now what the bill is for due to receiving all my information in the mail. I have no issue paying my bill but I do have a issue with my information being sent around without my consent. At that time frame I was unemployed with no health coverage and ran out of time to apply for Charity care.
For proof I would of believed a bill would of been sent to TSI not my medical chart. My medical information was faxed to TSI, and was shared wit TSI and then mailed to me. And the envelope had a tear upon arrival.
I have filed a report with the Department of Health and Human Services as well.
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| 10/12/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have just received a letter as of today XX/XX/2022 from XXXX XXXX. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX was sent to collections, I have been working with chase to pay this amount down. Nationwide credit has also not mailed me any documents for my right to dispute just a letter stating I owe money which is completely unfair.
They have not sent any written contracts with my wet signature or a full disclosure.
This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
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| 07/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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On XX/XX/XXXX We sold a Ford F250 truck to an individual. We did not remove the license plate from the vehicle at the time of sale. The new owner apparently did not register the vehicle in his name and acquire a new license plate. He acquired XXXX parking violations ( XX/XX/XXXX and XXXX ) which totaled {$20.00} each plus penalties, for a total of {$160.00}. He failed to pay the tickets and we were sent the citations, because the license plates still showed us to be the owner. When the City of XXXX XXXX sent us the citation I sent them a letter and copy of bill of sale and title transfer. They continued to send notices and I would each time send copies. They referred the matter to XXXX XXXX XXXX and they began harassing calls and letters. I sent them the copies as well. XXXX XXXX has now passed on the debt to Transworld Systems who has continued the harassment. I copied them on the same information on XX/XX/XXXX. In response, On XX/XX/XXXX I received their " validation, '' which is the same info of the date, time, ticket #, truck plate. I want all correspondence to cease regarding this debt which is clearly not ours. In addition to the collection agencies we also had a revocation of motor vehicle registration privileges placed on us by the XXXX DPS, which required more documentation and time to clear up.
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| 07/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Greetings On XX/XX/XXXX and XX/XX/XXXX I received a bill from Transworld Systems Inc. in reference to a debt that they paid for to collect in the amount of {$1200.00}. This debt was bought from a utility company called XXXX. XXXX is in violation of 15 US Code 6802, 1681 ( b ), 6801 and 1681 ( a ) ( 4 ). All are associated with privacy violations. So once again a clear violation of my privacy rights has gone unchecked.
I sent Transworld a certified validation letter, cease and desist letter and a 30 day affidavit of truth on XX/XX/XXXX in reference to the alleged debt. They did not produce the evidence to prove their claim. They did not respond in the form of an affidavit and did not remove the debt from my consumer report as demanded by me ( XXXX XXXX ).
I do not owe this company any money whatsoever. Nor have I gone into any agreement them at all.
I've also uploaded a copy of my consumer report and there are several inaccuracies coming from the same company. The consumer report states that I owe {$960.00}. However, my notice in the mail says {$1200.00}.
The report also states that the reporting dates are inaccurate as well as the last dates active.
This is also a Maryland account and I have live in Florida since XX/XX/XXXX. So there is no way physically I could've opened the account on XX/XX/XXXX.
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| 10/27/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Received bad information about my loan
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|
Web |
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The school I was attending XXXX College suddenly closed on XX/XX/2016. the school works with a private lender called XXXX . Since the school unexpectedly closed I was unable to finish the XXXX program that I enrolled in. This lender still wants me to make payments on a this loan for the full amount when I am no longer in school nor did I finish the program. The school was issued {$7700.00} and only {$5000.00} something dollars of this loan was added to my tuition the remaining balance of the stipend checks that I refused were supposed to be sent back to the lender. When I contacted the lender they are telling me they never received any funds back from XXXX College. I have called numerous times and spoken with numerous agents regarding this matter and the agents keep stating that they still need a response back from XXXX and someone will contact me at a later date. I feel as if the school has taken the remaining money and has no intentions on returning. I can not get answers from the school as there is no one working there anymore to get answers on this matter and XXXX is stating that they want the whole amount on this loan to be repaid. In my school handbook it states that if the school unexpectedly that my loans would be forgiven. If you can please look into this matter I would greatly appreciate it.
|
| 09/07/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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What happened? FRAUDULENT COLLECTION TRANSWORLD SYSTEM INC/ has flagged your account as Collections on XX/XX/XXXX.
Source : XXXX Company : TRANSWORLD SYSTEM INC/ Address:XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone XXXX ( XXXX ) XXXX Activity : Grid Code G ( Collections ) Balance Date : XX/XX/XXXX Balance : {$88.00} HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS.
Complaint : XXXX Complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT : Debt collection ISSUE : Attempts to collect debt not owed HERE IS THE PREVIOUS COMPLAIN ABOUT THIS SCAMERS WHO REPEAT AN REPEAT WITH DIFERENT NAMES AND DIFERENT AMOUNTS.
Previous complaint : HI there. This account was closed in XXXX of XXXX. I have returned the apartment and move to a different city. I remember I have complained about XXXX impersonators in the past. This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. All charges related to electricity were payed off and the account closed. Please see the XXXX email regarding this account closed.
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| 03/29/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Hello - I was on auto bill with my utility provider XXXX XXXX XXXX XXXX. For the last bill, I guess they decided not to auto bill and I was not aware of this. They passed the debt to TransWorld with erroneous contact info.
Transworld told me they tried to call a phone number that was not mine ( I have had the same phone number for over a decade, so unsure why or how ). They also sent a letter that went to my neighbor during the lockdown. It sat on her kitchen island until she found it cleaning one day.
The day my neighbor delivered it, I called Transworld and paid the bill. In spite of never receiving notice of the bill, due to the poor business practices of the utility provider and TransWorld, I have a negative mark on my credit.
Other than this incidence, I have NEVER had a delinquency on any bill. Even as this delinquency was on-going, I was paying credit card bills that were 50 times as large. There is no logical reason I would not have paid this, had they made me aware.
I am now in the process of applying for a mortgage for a new home and this has dropped my credit significantly and will cause me significant financial harm.
Can you help me get this removed? Also, what legal rights do I have to recapture the losses XXXX additional cost ) I will have due to their poor business practices?
|
| 07/17/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2017 I went to an urgent care at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX because of a XXXX XXXX XXXX. I paid a fee to see a doctor and specifically said I did not agree to pay outside lab fees. I told them I had a XXXX XXXX XXXX, which I verified by taking a test I bought at a pharmacy for about {$10.00}. I was told by the intake clerk that the test was included and performed in their office.
I received a bill from XXXX XXXX of Oklahoma invoice date XX/XX/2017 in the amount of {$510.00}. The bill listed two XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; two XXXX XXXX, AXXXX XXXX ; XXXX XXXX ; and five XXXXXXXX XXXX XXXX XXXX, each as separate charges to total {$510.00}.
I called XXXX and the urgent care in XXXX. I have a note with the paperwork that says " XXXX XXXX XXXX XXXX '' but don't remember who told me that name. I do remember the medical office person telling me she would call the laboratory and tell them the charge did not belong to me.
Apparently that never happened. I get annoying phone calls multiple times per day.
Today I tape recorded a call where I demanded Transworld Systems Inc stop calling my number and send any billing in writing. Four hours later they called me again. They said the bill they were trying to collect is from XXXX XXXX for {$510.00} incurred on XXXX XXXX.
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| 02/28/2019 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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After getting my XXXX and my first job as a XXXX, I started repaying back my XXXX student loan. I began to notice that the monthly payments were rising quickly because the loan was not fixed. I decided to refinance with a fixed rate with my mom as the co-signer. We were shocked to find out our refinance was denied due to my credit report. We finally were able to speak with a representative from the lender to find out more specifics of the credit report. The student loan that was taken out through my mom 's XXXX XXXX XXXX XXXX was listed as a " line of credit '' and showed up as such on my credit report. After many many calls to the original lender, processor and XXXX XXXX, we find out that indeed this is the way the students loans were packaged so that the university could draw on the account each semester. We were obviously not aware that this could adversely effect my credit. Since it is listed as a line of credit, my numbers are off even though my credit score is extremely high. This has affected my ability to refinance as well as my credit for anything else I might apply for. Effectively leaving us with no options and at the mercy of the current raising rates. No one has been able to assist us and we have received quite the run-around in trying to figure out how to proceed with no resolution.
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| 07/20/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I suffer from XXXX XXXX XXXX. I obtained an XXXX system from XXXX XXXX to assist with my physical therapy. XXXX assured me that it obtained all necessary approval from my insurer and that it was fully covered under my policy and that I would not have to pay out of pocket. I was previously pre-approved by my insurer for another provider, but used XXXX 's services based on their assurance that this necessary medical equipment was pre-approved by my insurer, as well as the fact that they told me the other provider ( who was pre-approved as a provider by my insurer, thus i would not have to pay out of pocket ) could no longer perform the fitting of the brace because it no longer had an orthotist. However, XXXX never obtained the pre-approval and later sent me a bill for {$7300.00}, and I am not sure whether or not it is true that the other provider did not have an orthotist at that time ( I trusted XXXX at the time ).
I disputed the debt based on XXXX 's prior assurances and representations, but XXXX failed to respond and sent it to a collection agency. I am disputing this debt with the collection agency as well. XXXX is claiming I owe them money, but I do not based on XXXX 's actions, false representations, and unfair dealing with me. I uploaded a timeline and better explanation of all of the events.
|
| 07/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My daughter visited XXXX XXXX on XX/XX/XXXX. XXXX XXXX was advertised as a Tier 1 PPO Provider XXXX XXXX XXXX XXXX. We were not advised that their provider was not credentialed. They took our insurance as usual.
XXXX worked with XXXX XXXX XXXX until their claim was rejected on XX/XX/XXXX because the provider was not credentialed. They paid a reduced claim amount of {$38.00}.
XXXX sent us a bill for the full {$140.00} amount. I disputed the amount and explained they had failed to credential their provider and offered the {$38.00} in a letter dated XX/XX/XXXX. XXXX XXXX did not respond to that letter.
XXXX sent a demand letter dated XX/XX/XXXX from Transworld Systems Inc. ( TSI ) as their credit collection agency. I returned the dispute form XX/XX/XXXX asking to verify debt, explaining that their provider was not credentialed even though they advertised XXXX XXXX status and that they didn't even have a " real '' name on the debt. XXXX XXXX nor TSI responded to my request.
Transworld Systems Inc. ( TSI ) sent another debt collection letter on XX/XX/XXXX. They did not verify debt, they did not respond to two separate letters dated XX/XX/XXXX and XX/XX/XXXX. They did not stop debt collection until verification or responding to my requests. As far as I can tell, they are breaking all the rules.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of TransWorld Systems Inc reported to XXXX that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or Transworld Systems Inc. I have never received any notices from either company in regards to the matter. I have tried to contact Transoworld Systems Inc with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and Transworld Systems Inc ( ref report number XXXX ). On XXXX I spoke to representative from XXXX by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX or Transworld Systems Inc for that information.
I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my reports.
|
| 04/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I went to XXXX XXXX XXXX Emergency Room in XXXX MD. I was treated there and I had health insurance. I was covered under XXXX for You.
On XX/XX/XXXX I received a bill for {$810.00} from Transworld Systems stating that they now owned the debt I had with XXXX XXXX XXXX.
I reached out to the hospital, the debt collector, and my insurance company and it appears nobody will help me out.
The hospital is now saying they have nothing to do with it, the debt collector is saying that they can not submit anything to the insurance company, and the insurance company is saying they wouldn't approve it even if it was submitted ( because it's over a year old ).
This is not a debt I should owe. I was covered for this service on this date. It was and is the fault of the hospital for not sending this to the insurance company. They are claiming that they sent me letters asking for insurance, but the address they claim to have used is not my address - and hasn't been for over 3 years.
So, basically, the debt collector wants me to send them {$810.00} for something I should have never owed a XXXX for - and because they sent me this correspondence over a year past the date of service, my hands are completely tied. This is negatively affecting my credit score, which is what I am trying to clear up.
|
| 06/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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I received a toll bill from New York MTA XXXX XXXX for a toll dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a notice from the MTA that the XXXX $ toll was due and there was a {$5.00} late fee also due. I submitted payment for {$8.00} on XX/XX/XXXX.This check was received and processed by the MTA on XXXX/XXXX/XXXX and posted to my checking account on XXXX/XXXX/XXXX. The MTA did not apply the payment to my account and now says I owe {$53.00}. I have submitted documentation to both TransWorld Systems Inc and the MTA several times, and they have confirmed I sent them proof of payment on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have contacted customer services at least 3x/week since XX/XX/XXXX, and customer service has transferred be endlessly between violations dept, collections, and tolls.Between TSI and the MTA, they have not been able to get organized and close out this debt. I am told something different each I call, and that it could take an additional 3, 5, or 7 business daystime, but no resolution seems near as this has been ongoing for over a month.
I am applying for admission to the NY Bar, and the Bar has requested a final disposition as part of the application process. As this request is still pending at TSI and the MTA, I can not give the NY Bar what it is asking for.
|
| 12/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In accordance with the laws of debt collection, I am disputing the incorrect amount owed of {$9200.00} with TRANSWORLD SYSTEMS , INC. representing XXXX XXXX account, XXXX. I had opened a dispute with XXXX XXXX on Friday, XX/XX/2022. I had followed the provided instructions and completed a " Final Bill Dispute Form '' from their organization. As I had explained to the representative on XX/XX/2022 the amount is incorrect and I had terminated service on XX/XX/2022 and the account was deemed to be transferred back to the property owner as we were only tenants and were leaving the property. The " Final Bill Dispute Form '' was mailed to the following address with XXXX ( XXXX ) days of receiving as per XXXX XXXX instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ATTN : XXXX XXXX XXXX XXXX After mailing, I never received a return response from the company only a deb collection notice on XX/XX/2022 from TRANSWORLD SYSTEMS INC . The debt amount is incorrect, I am disputing the amount and this should have been resolved within XXXX XXXX as per the customer service supervisors instructions and completion of the " Final Bill Dispute Form ''. I am subject to believe XXXX XXXX did not respond to my dispute in writing as I never received a written response via mail or email to the address provided.
|
| 08/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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To whom it may concern : I went to XXXX XXXX XXXX in XXXX, PA on XXXX XXXX, XXXX for a XXXX XXXX to return to XXXX ( I live in XXXX although I am an American citizen ). I paid completely for the XXXX XXXX, {$110.00} with my credit card. The statement from XXXX states, " prompt pay ''.
In XX/XX/XXXX, I received a letter from Transworld Systems Inc that I owe {$70.00} to XXXX XXXX XXXX. I immediately went online to the account indicated and initiated a dispute. The letter required that I initiate the dispute by XX/XX/XXXX.
Following the initial date that I went online, I went online again and the account still did not show the dispute initiated so I clicked again on the dispute. On XX/XX/XXXX, I did the same thing again and it still did not show the dispute initiated so I decided to call Transworld. I was told that they confirmed the dispute was initiated, only on the second time I went online but would not provide proof that I initiated the dispute.
Since then, I have not heard anything from Transworld and also tried to log in to their website ( XXXX ) but the site is no longer working.
At this point, I am not sure what I should do and decided to reach out to CFPB as I do not want this episode to affect my credit rating and be solved quickly.
Thank you for your support!
Best regards, XXXX
|
| 11/22/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
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On XX/XX/2020, around XXXX XXXX MST, I called University Accounting Service LLC ( my private student loan servicer for my loan under XXXX - XXXX ) at ( XXXX ) XXXX, expressing concern that all my statements are missing after they moved to their new online system/website at https : //www.uasconnect.com earlier in the month. The customer service agent said that this was due to the move to the new system and that my documents would be uploaded by the end of the week. The week ended yet the documents are still missing, as of today, XX/XX/2020 XXXX XXXX XXXX MST ). I genuinely wanted to review my statements to see clearly and in detail how my loan balance has changed in the last 15 months, but I am unable to do so and I suspect this is a violation of my rights. It has now been at least two weeks since they completed the transition to the new system, yet they still are not providing me current or past statements. I do not trust this company and do not wish to have to keep calling them for something as simple as my statements. Therefore, I am submitting this complaint to the CFPB as I am probably not the only person affected by this negligence. Because I do not trust this company, I hope that this complaint to the CFPB will get them to act more expeditiously to resolve this than they would otherwise.
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I have reached out to XXXX XXXX Incorporated.
To pay Some out standing debts because they had put leans on my drivers license and i need my license to work. After paying over XXXX dollars toward 3 very specific accounts they applied ALL the money towards 1 single account which resulted in an over payment. I was GARUNTEED the clearance letters for all 3 would be sent to the courts within 48 hours and now we are 2 weeks past that and they have still not applied the remaining funds towards the correct accounts nor have they sent the clearance letters to the courts and they have also sent me NO DOCUMENTATION that i have paid anything at all., I have called literally 23 times, 90 % of the time because i am not calling to simply offer my credit card for more money i am hung up on immediate. Literally i am being hung u on 3-5 time each day until i demand a super visor and told things like i don't have to help you " or you shouldn't get debts '' or we don't care about your license '' after 23 phone calls in the last 3 days they are essentially holding my Drivers license hostage because the " rep '' that took y payment simply wanted to collect, get the bonus or commission and NOTHING TO FOLLOW UP WITH THE LEGAL and required proscessing of my ayments to the correct accounts or reporting to the courts.
|
| 06/01/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Today, XXXX XXXX , XXXX I recei ved a letter fro m Transworld Systems. At XXXX , the same day I called them because I had no idea what they were charging me for. Supposedly I gave a check for the amount of {$320.00} ( three hundred so mething, not quite sure of the amount ) and that check was used to pay an account on XXXX . The check bounced. The problem is I do n't have an account on XXXX , I 've never had. The collector, named XXXX said this was in XXXX , six years ago and now they 're trying to collect {$720.00} for something that I did n't even buy. I asked if the check could be sent to me so I could see that is mine and that if it was I would pay the amount that it said on the check. The person said that was n't an option, that this was the government, the have my social security number, they have everything and they could do whatever they wanted. I told him " then tell them to kill me because I do n't have that amount of money and for an account that I do n't even have ''. They offered me to make payments. Again, I said no, it 's not fair to pay for something I do n't even know. I offered to pay in full the three hundredd something dollars, the person said no and even if I paid the {$720.00} he would not close my case and that the governement could do whatever they wanted.
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I rented a car from XXXX XXXX car company in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the car company stating that I had received a speeding ticket by photograph and that I would need to pay XXXX {$530.00} to pay the ticket. I contacted DC to try to gather more information to dispute this ticket, as I had been advised that speeding tickets may be contested ( and are frequently incorrect in DC ). I also notified XXXX that I was disputing the ticket.
While I was waiting for a result from DC, I then received a second notice from XXXX on XX/XX/XXXX, whereupon I immediately sent a check out for {$530.00} payment to clear up the issue. This is notice XXXX. On XX/XX/XXXX, my check was cashed by XXXX. On XX/XX/XXXX, I received a notice of collections from Transworld Systems Inc. stating that I owe {$100.00}. Transworld said that this was transferred to XXXX XXXX XXXX and the account number is XXXX. The Transworld Reference No. is XXXX XXXX. Attached to the letter from Transworld is a copy of the XXXX notice that states that I owe {$530.00}. There is no mention of an additional {$100.00} owed. I have now called XXXX and Transworld multiple times to get this cleared up and have not had any success ; they just keep sending me the same {$530.00} bill that I have already paid. Please help me.
|
| 10/27/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Dear Office of Transworld Systems Inc., I am writing in response to your letters dated XXXX XXXX, 2015, ( copies enclosed ) as I disagree with the account balances that your office has purchased.
This is the first I 've heard from you, therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in XXXX ( 5 ) Statute of limitations and how your office has determined if the amount are under or past the statute of limitations and for which state.
|
| 10/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had XXXX out of state. I then received the expected co-insurance bills from unfamiliar names/ practices because it was out of state.While recovering, and not paying as good attention, I paid partial payments to everybody I had a bill from. When I was feeling better, I confirmed the remaining balances with everybody and paid them. All except one that I could not confirm. I think I fell victim to a scam, as I have no idea who this is. I sent XXXX partial payments totaling XXXX to XXXX XXXX XXXX XXXX, File XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. That address does not make sense. XXXX XXXX in California. I then got a letter from a collection agency stating they were trying to collect a debt from XXXX. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, PA XXXX. I wrote on the the letter they sent me explaining why I did not owe this debt, and asking for their help recovering the money I had sent to XXXX. Unfortunately, I did not make a copy of the letter. I mailed it back to them, and did not hear back from them. I did write the information down. So I called them with the account numbers to ask them what is the status. They told me they could not find any information in their system using my account number, or my name, and they had never heard of XXXX.
|
| 02/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was wrongly billed by XXXX XXXX XXXX XXXX for what appears to be a bridge toll. The license plate shown in the attached photo on the document that XXXX sent me is not registered to me, never was, I do not own a black or dark colored vehicle, and to top it all off, I have never been in the state of New York. I have never been north of southern Virginia and XX/XX/XXXX was a Thursday and I was at work in XXXX, Florida at the time and date shown. I sent XXXX a copy of their form back signed and dated disputing the debt and thought everything was over with. I was then contacted by Transworld Systems on XX/XX/XXXX at XXXX p.m. and told that my account was in collections with them and I owed them {$110.00}. I explained to them that I do not have an account with XXXX and the debt is not mine and I sent XXXX a response to their bill stating the same. I told the person on the phone that I will never pay a debt that's not mine. The person on the phone abruptly got off the phone with me and I have not heard from them since. A written demand for payment from Transworld Systems arrived to my home XX/XX/XXXX. I have spent almost 10 years rebuilding my credit since filing for bankruptcy in XX/XX/XXXX. I do not want these collections people ruining my credit due to this fraudulent billing. Please help me.
|
| 12/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am distressed that you have included TRANSWORLD SYSTEMS information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response.
Also, please add a promotional suppression to my credit file.
This company is NOT responding and reporting inaccurate information on my credit report.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Thank you,
|
| 06/24/2021 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
On XX/XX/XXXX I submitted documents to continue my forbearance as they will only grant 6 months at a time. I have been previously told that after this 6 months was up I can apply again and that I have 18 months left of forbearance after I use this 6 months. On XX/XX/XXXX I receive a response that I cant have my forbearance applied back to back until I make one full month of payments. This has never been disclosed to me and has never been an issue in the past. I called the third party company that handles all the responses and asked to get in contact with the lender. They advise me that they dont have a phone number and can not provide me with an email or any way to get in direct contact with the lender. All they were able to do is direct me to the lenders website which leads to another company that does not get me any answers as I have tried to call that number in the past. They assured me they would raise my concern and I would get a response. Its now XX/XX/XXXX, my loans are past due, I cant make the payments due to helping my sick mother with money due to medical issues and I have no response from the company UAS XXXX or the lender Younomics of why they have changed rules yet again ( not the first time they have suddenly changed rules ) nor have I been provided any disclosure of changes.
|
| 11/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I originally made arrangements XX/XX/2016 to pay off a medical debt purchased by Transworld Systems , Inc. and the balance of {$120.00} was paid in full on XX/XX/XXXX and deducted from my XXXX account on XX/XX/2016. Since then, I have contacted this company 4 times within XX/XX/XXXX -XX/XX/2016, requesting a letter of " paid in full '' without success ; however, I 've been verbally told repeatedly since then that my account was paid in full and that my letter was in the mail and this information would also be sent to the XXXX major credit bureaus. I spoke with another representative today XXXX XXXX XXXX XXXX and she promised me that she would fax the PIF letter to me and I still have n't received it. She also ( along with XXXX other representatives ) informed me that this information would be updated and sent to the XXXX major credit bureaus ; however, after disputing the amount last month ; I received notification today that TSI reported to them that I still have a debt in the amount of {$120.00}. This is unfair as they received my payment more than 30 days ago and refuse to send me confirmation. I have verified my address multiple times and they continue to tell me that they sent out a letter but every time I call back ; they tell me that a letter was never sent and they will expedite it.
|
| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX billed us {$310.00} and we paid it. There was a delay in paying in because XXXX XXXX XXXX XXXX made numerous errors on the original billing including billing us twice for the same thing. We spent many hours on the phone with them trying to fix their mistakes. We waited for them to correctly resubmit the insurance claim and not bill us twice for the same thing. Once these issues were resolved we promptly paid the {$310.00} bill on XX/XX/XXXX. I have a copy of the check that was cashed by them evidencing payment.
However, XXXX XXXX XXXX XXXX still sent this to a collection agency, Transworld Systems Inc. These people are terrible. I promptly responded to their original notice from XX/XX/XXXX. They sent another notice on XX/XX/XXXX which I wrote a very detailed response explaining to them why I do NOT owe this money and I provided the evidence in the form of the cashed check. They sent me another letter dated XX/XX/XXXX still looking for the money. Now I have to waste more of my time and energy responding to them again.
I do NOT owe this money and I will NOT pay it. I take my financial obligations very seriously. I pay all of my obligations on time every time. At this point, XXXX XXXX XXXX is harassing me and trying to extort money from me for something I already paid.
|
| 02/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account with TransWorld inc for ( purchasing power ) is Paid in full.
Not sure why this is the 3rd complaint I am filing in this credit reporting agency. But I am now requesting this gets further filed with fraud department. I no longer want to proceed with keep filing complaints at this time, they are constantly reporting inaccurate information on report, which is effecting my name. Please refer to 2 complaint filed on this same agency-TransWorld inc.
I have paid in full my account. 1st payment on XX/XX/XXXX of {$620.00}, 2nd payment for remainder balance {$300.00}.
Today my credit report shows a NEW report again from this agency, not surprising at all? Because they have been making fraud statements on my report, first report there was nothing reported to my credit report, sent a complaint with an attachment showing it was on my XXXX report. Now that is paid I show a NEW collection has been added to my report on XX/XX/XXXX. How is this possible when you got paid in full and sent a letter stating I paid in full.
PLEASE VIEW ATTACHMENT AGAIN where this is now on my XXXX! If this is resolved accordingly with all 3 complaints I will move forward with an attorney, because consumers has rights to fair reporting. Thanks.
( Please do not delete complaint ) sent on : XX/XX/XXXX @ XXXX
|
| 05/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I applied for XXXX through an office in XXXX New York. That office called XXXX XXXX. I told that office that I need to switch the service provider for my house from XXXX XXXX XXXX XXXXXXXX XXXX. XXXX agency gave me their email address which is : XXXX. Correspondence attached. I also sent XXXX a fax that National grid was able to take over the service. XXXX sent social services XXXX the application and XXXX granted me an amount of {$720.00}. XXXX sent the grant to XXXX XXXX instead of XXXX XXXX. I also called XXXX that advised to call XXXX XXXX to send the check back to XXXX. Please see my email attached of my correspondence with long energy. I also spoke with XXXX XXXX to advise regarding the situation. Yet, XXXX XXXX kept sending the debt to different collection agencies. I contacted XXXX, one of the debt collection agencies XXXX XXXX sent the debt to, by phone and by email as attached that promised to remove the debt. I only knew that the debt is still on through Transworld Systems debt collection agency when I found it on XXXX XXXX. I did not receive a copy for the debt from that collection agency. I did not even know the account number as I tried to ask Transworld Systems for the account number but I was not given that. I sent a fax with the attached records to Transworld Systems.
|
| 04/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom it May Concern : My name is XXXX XXXX, and Ive been a victim of Identity Theft. I reside in XXXX, IL, and have lived here for XXXX years. Im originally from XXXX California and have not left Illinois to live anywhere else in the last XXXX years. At the beginning of the year, I received a credit notification that there was a {$1000.00} collection for a utility company in Texas! I started frantically calling the credit bureaus, and filed a police report in XXXX ( I will send a copy with this letter ). It turns out there are numerous accounts this criminal opened for electricity in the following cities ( XXXX, TX, XXXX, TX & XXXX, TX ). I now need a report to ensure there are no other accounts opened in my name outside of Illinois or California.
Account # XXXX : XXXX XXXX Services XXXX Owed {$990.00} for Utility Services at the address : XXXX XXXX XXXX # XXXX XXXX Texas using the name XXXX XXXX Opened on : XX/XX/12 Closed on XXXX with a balance of {$990.00} Account # XXXX : XXXX XXXX XXXX balance of {$130.00} for Utility services at the address : XXXXXXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX I'm tired of fighting with companies all over Texas because criminals are opening up utility accounts and not paying by using my social security number which has ruined my financial wellbeing!
|
| 02/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Since XX/XX/XXXX I have been disputing an item on my credit report, reported by a debt collection agency known as Transworld Systems. I have repeatedly advised that the account they are reporting does not belong to be. They sent me a copy of the bill from the original creditor, XXXX XXXX. This bill listed my name, a service address, service dates in XX/XX/XXXX, and cost of service during the service dates in XXXX. I have provided documentation, including a copy of a deed that proves the service address was not owned by me ( nor is it anyone I know ), and a copy of a lease that proves I did not reside at the service address and my address was completely different. Despite this evidence, the account continues to be reported on my credit reports. I have requested debt validation and have asked for any and all evidence/documentation used to determine account accuracy on their end. I have also advised them of my rights under the fair credit reporting act, as well as their legal obligations. They continue to tell me that they will not remove the account because they were only a 3rd party hired to collect and that they do not have any obligation to prove account accuracy. When I requested to speak with another supervisor today, they " transferred me '' but only lead to a disconnected call.
|
| 10/04/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I filed a chapter & bankruptcy to legally discharge the supposed debt I have with XXXX XXXX XXXX XXXX XXXX. This was presented to me as a private loan through XXXX XXXX that could be used for college expenses or personal expenses not related to school. Obviously, not one dime of this money was used toward college or I wouldn't owe the federal government over {$80000.00} in student loans today. My credit report is showing this matter as having been closed ( see attachment ). I already paid over {$2000.00} to XXXX, XXXX XXXX XXXX after the bankruptcy because I was unaware that they had no right to further collect on a discharged debt nor could I afford an attorney at that time. My current attorney sent a letter to them last year which subsequently led to the debt being removed from my credit report as closed. I was served with suit papers with a court appearance scheduled for XX/XX/2018 in XXXX XXXX court by XXXX XXXX XXXX the latest law firm to take over these collection practices. They had attempted collection last XXXX via mail and I replied via email that this debt was legally discharged via Chapter XXXX and brought up the lawsuit by Consumer Financial Protection Bureau against XXXX that stated collection could not be pursued while the audit of over 800,000 records was in process.
|
| 11/10/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Transworld Systems is fraudulently reporting on my credit report in the amount of {$1100.00} account # XXXX * Were you named on the original contract with the original creditor?
* If not, do you have a contract between your company and me, signed by both parties?
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?
It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing. I also didnt find that this company has a valid license, bond, and certificate of authority in the state of Arizona.
|
| 07/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 03/27/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX is XXXX XXXX XXXX XXXX that tried to double dip with XXXX XXXX by issuing XXXX bills in the same amount. I spoke to them several times regarding Insurance and " NO PATIENT RESPONSABILITY '' and several months later I find collection attempts listed on my credit reports from TRANSWORLD SYSTEMS INC Collections in the amount of {$970.00} directly affecting my Credit Reports and Score. I call again and find that the accounts were recalled and deleted by the XXXX and the information removed in their systems. The recall did not reach TRANSWORLD SYSTEMS INC Collections and negitive information was placed on my credit report BEFORE the information was verified ( PRIOR TO RUINING MY NAME ). This is proof that this collections agentcy failed to validate a debt and is in violation of the FDCA. Validation is done before listing it on the XXXX credit reporting sites. This directly affected my interest rates and caused a denial of credit. My name has been smeared by TRANSWORLD SYS INC since they acted first and ask questions after the fact. If TRANSWORLD SYSTEMS had followed federal law the information would never have appeared on my credit reports. I want all ALL negitive information for ANY accounts removed from my credit reports since they do not validate debts before the ruin lives.
|
| 11/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a collection notice from Transworld Systems INC. seeking to collect an alleged debt of {$120.00} claimed to be owed to XXXX XXXX.
I immediately disputed this debt by sending a validation request letter to Transworld Systems INC. asking for verification of the debt and proof they are licensed to collect debts in California.
Transworld Systems INC. responded stating their XXXX debt collection license was " pending '' but provided no license number.
I sent a follow-up letter on XX/XX/XXXX, requesting written proof that Transworld Systems INC. had submitted its license application in XXXX by XXXX XX/XX/XXXX deadline to operate legally during pending status.
Transworld Systems INC. failed to provide any response or documentation validating that their license was properly applied for in XXXX by the legal deadline.
After waiting for the requested timeline, I sent a final notice on XX/XX/XXXX, informing Transworld Systems INC. I still disputed the debt since they can not prove valid licensing. They did not reply and continued collection efforts.
I request a full investigation into Transworld Systems INC. and their lack of valid XXXX debt collection licensing while attempting to collect on this disputed account. Their practices appear unlawful.
|
| 10/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Transworld Systems Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Transworld Systems sent letter on XX/XX/21 attempting to collect a debt, which is a fraudulent demand for payment by XXXX XXXX XXXX XXXX. I sent Transworld Systems a letter on XX/XX/21 stating that I do not have any responsibility for the debt. the letter was sent by certified mail ; however, Transworld Systems has not acknowledged receipt despite the USPS tracking showing that it was delivered. This debt is fraudulent demand for payment by XXXX XXXX XXXX XXXX. I provided Transworld Systems the communication I provided to XXXX XXXX XXXX XXXX that this parking charge is not my responsibility as well as their return email confirming their acceptance of the appeal and that no further action is required from me.Despite their acknowledgment that the charge is not mine, XXXX XXXX XXXX has sent the matter to a collection agency Transworld Systems in a clear attempt to intimidate into paying this fraudulent charge. Transworld Systems is colluding with XXXX XXXX XXXX XXXX in fraudulently charging citizens and turning these fraudulent demands for payment to collection agencies in an attempt to intimidate people into paying the false charge.
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
With strong consideration of the Case XXXX brought against Transworld by the CFPB in 2017 ... I am experiencing the same issue with this collection agency.
Transworld is refusing to remove an account from my credit file. Transworld is refusing to validate this alleged debt placed on my consumer credit file.
Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating a paid is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractual documents stating and proving that I agreed to and that I am responsible for this account. There have not been any agreements baring my signature provided. Therefor, TSI has no legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.
|
| 11/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a formal complaint against XXXX XXXX XXXX located in XXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX and Transworld System are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. Transworld NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act. These entries from both companies should NOT be reflected at all.
I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe XXXX nor do I owe Transworld.
DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.
|
| 06/29/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX and XXXX ) for the amount owed to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, Transworld Systems , Inc., was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at Transworld stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX and XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
|
| 07/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company has entered a collection from a landlord during the pandemic. The XXXX form was given to the company regarding the address. There is a debit listed now which is causing a housing issue for future renting. The amount is not correct, the unit could not be used during the time and there were issues with the water which remained unresolved. The unit was unlivable during the pandemic. There was harassment and the landlord entered the unit continuously and there was no way to stay in the unit during the pandemic regardless of there being a rent moratorium. There were issues with the electricity and the landlord was unusually aggressive and argumentative about these issues. There was no stay for the time period which the collection is being made, and there was no drinking water from the faucets, the toilet didn't flush, the lights turned off on their own, there was an electric panel where the lights had been shut off then the landlord or maintenance would enter and unplug things inside the unit. The collection is an illegal collection and no payment arrangement was even offered. The washer dryer in the laundry room was unplugged when clothes were put in it to wash and use was not allowed by the landlord. There were things broken inside the unit and constant harassment.
|
| 11/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Debt Collector Company : Transworld Systems Inc.
-spoke with : XXXX XXXX -phone : XXXX Medical Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -spoke with : XXXX XXXX : XXXX Insurance : XXXX XXXX XXXX XXXX XX/XX/20 XXXX -Letter received from debt collector for {$120.00} XX/XX/20 : -I paid in full to prevent reporting to credit bureau but found out that provider billed insurance incorrectly.
-I asked for and received full refund from debt collector while provider reprocesses insurance.
XX/XX/20 : Provider reprocessed claim and new amount I owed was {$0.00}. They removed my name from debt collector list and notified debt collector via email XX/XX/20 : -Debt collector calls me saying I owe them money for {$120.00} this time for same date of service.
-I called my insurance who verified that I owe {$0.00} and sent me explanation of benefits -I called provider who verified that I owe {$0.00} and will make sure I am removed from their debt collector list but refuses to call debt collector directly to resolve the issue.
-I called debt collector who says I still owe them money and even though my account is in dispute status, they may report me to the credit bureau , permanently affecting my credit. They refuse to contact my provider directly to resolve the issue.
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| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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The Company, TransWorld Systems Inc, has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in XXXX , with the XXXX XXXX at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the TransWord Systems operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by TransWorld, the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?
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| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Rep at Transworld Services Inc called ( Second Time after I had asked for verification of debt that I never received and told them all communications must be done via mail going forward ), I missed the call and decided to call back. Upon doing so I was told the company name and that they were calling to speak to XXXX XXXX. I did not verify who I was or if I was who they were looking for. I simply stated, what is this in reference too. The rep on the end of the phone, without verifying identity stated " XXXX XXXX ''. This breaks FDCPA guidelines concerning releasing information to an unknown party. I could have been anyone on the other end of the phone and she just stated that she was calling concerning something related to XXXX. Not only does this go against FDCPA guidelines but HIPPA. You disclosed that I have a bill due to XXXX, who is a medical office taking tests. Which means you just told someone I had testing done for unknown reasons. If it had been a family member that could have caused major issues. Not only that, I had requested the last time I spoke to them to mail me verification of debt to the address they have in their systems and to do all further communication via mail. This counts as a verbal cease and desist which is another violation of FDCPA guidelines.
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| 01/07/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I got a letter claiming I owe {$36.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collected by transworld systems inc ( TSI ).
Noted charge was falsely applied to me while I was using a XXXX XXXX XXXX along with other charger that was over {$100.00}.
I disputed with my bank part of the {$100.00} as I saw accurate and the whole {$36.00}. The dispute was successful and my bank received no evidence or communication from XXXX.
transworld systems Inc asked that I write to them by XXXX, XXXX XXXX or else they will assume that the dept is correct. transworld systems Inc never attempted to call, email, or mail me. transworld systems Inc also falsely claim that I can dispute the claim online which I did XXXX times. TSI didn't provide any email confirmation or any other way of confirming that they received the dispute. Hence, they can always claim that they never heard back from my and claim that the charge is accurate which is far from true and a practice of criminals.
transworld systems Inc dispute form allows only uptoXXXX character which is criminally low and didn't allow me to tell my side of the story, or defend myself.
transworld systems Inc never responded back to my disputes and never provided any evidence of the charge.
Reference TSI Number XXXX.
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| 09/22/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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A representative from Trans World Systems, Inc called my house at XXXX and asked for a XXXX XXXX. Caller Id said Toll Free Caller.The telephone number was XXXX. I told him that there is not XXXX XXXX here. I asked him why he was calling my house and he said to get in contact with XXXX XXXX. I asked if he was a debt collector and he refused to answer me. He told me that he ca n't. I hung up and dialed the number on caller ID. That is when I asked the name of the company. I asked him why he was calling my number and where did he get it? He would n't answer my questions. I told him that he can record this, " DO N'T CALL MY HOUSE ANYMORE. '' Then he asked me for the last XXXX of my phone number because he has XXXX numbers on his list ; I think he wanted to record me giving him my number. Obviously, he knew my number because when I asked him if he was a collection agency when I called back and he said he or his company called me looking for XXXX XXXX. Then he asked for my name which I refused to give. First of all, he has no right calling my house about any debt collections because I do n't owe anybody any defaulted debts. And even if I knew the whereabouts of a person, I would not tell them. Collectors answer no questions ; I answer no questions.Let them do their own work.
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| 11/06/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't decrease my monthly payments
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Web |
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XXXX UniversityXXXX XXXXI was a University student that began my education XX/XX/XXXX. After taking a break XX/XX/XXXX because of work, I restarted XX/XX/XXXX and was told I had to get a XXXX loan to get started again. NEVER was I told that I was going to have to make payments while in school. NEVER was I told that the interest rate was going to be 8 %. They say I did n't qualify for funding but yet I did before and I did afterwards so it was very strange to me that I had to get a higher interest rate loan from a 3rd party. XXXX was the only option that was given to me at the time. I have been paying on this loan for 3 years and have missed only XXXX payment which was the XXXX payment because I did n't know that I had to start paying on it while in school. It has been a struggle for me to pay for my federal loans and my private XXXX loan at the same time. My loan was then sold to UAS XX/XX/XXXX this year. I do n't feel the practices that XXXX performed were in my best interest financially but what choice did I have. My loan was for roughly XXXX. This loan was necessary for me to complete the program that I was involved in so doing it was necessary and they knew that. If I did n't take out the loan, than I had school loans for roughly XXXX with nothing to show for it.
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| 05/03/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Never received a written letter about a debt until few months ago I saw a credit report change from TSI.
I asked XXXX XXXX to validate if the debt was real.
I received a letter around XXXX that the debt was valid.
I sent an offer letter for a certain amount to payoff the debt to TSI. The letter was sent early XXXX.
I received a call around middle of XXXX from a TSI agent that the offer was accepted for XXXX. They said I would only be able to pay over the phone as the automated system would force me to pay the full amount. I asked to be sent a written letter about the offer being accepted. They agreed to do so and that I can pay once received.
Several weeks go by. I call XX/XX/XXXX to inquire about the letter. This new agent says that the previous agent I spoke to agreed to the XXXX but they were in a different department and that they wont be able to accept the XXXX offer. I asked to be transferred to the correct department and the rep refused stating they wont transfer me. I asked what happened to the letter, and the rep said they dont send letters to offers not accepted.
I asked why I never got a response from my mail I sent on early XXXX since they did receive it since they agreed on the enclosed amount, and the rep said they dont response to letters.
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| 04/06/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2021, my father and I called the company that represents itself as Transworld Systems for a debt that was owed at a sum of approximately {$1500.00}. After speaking with a representative, the debt was settled by the sum that the company offered, at XXXX at approximately half the owed sum. My father paid the sum over the phone on that day by the end of that phone call. We were provided with a confirmation number and assurances that we would receive a written correspondence via mail confirming the settlement of the debt. The account therefore, was closed. However, two months later during XXXX, I am disputing this open account with the credit bureaus that have investigated the dispute and have found an open account for XXXX with Transworld Systems as " accurate '' - despite the fact that both parties mutually agreed to settle the account to an amount offered by Transworld Systems. We never received a written confirmation of the debt that was settled by mail, and the company refuses to report that this account was settled and actually report the account in an accurate manner to the credit bureau. This is alarming, because even their company records admit that their communications are recorded, yet they continue to misrepresent the settled account. Please advise.
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| 05/12/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a letter in the mail from Transworld systems inc regarding a debt collection on a traffic ticket from XX/XX/XXXX. The lady was really helpful and offered a dispute for 30 days and also made me aware of 2 other outstanding tickets from XX/XX/XXXX that their sister company XXXX XXXX was handling. I asked for the information and details about that matter. After getting off the phone with Transworld I called XXXX XXXX and spoke to this lady about this matter. She told me that maybe my case would affect my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane ( original amount given to Transworld {$330.00}, amount owed now {$620.00} ) and XXXX XXXX original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly more than twice the original amount and I do n't have receipts or anything it 's been so long.
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| 02/19/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I was alerted that a frivolous collection agency Transworld Systems Inc. placed an account for collection on all credit bureaus for the amount of {$220.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. On XX/XX/XXXX the agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statue that the collection agency can collect legally on this debt. On XX/XX/XXXX Transworld Systems wrote and informed me they have investigated and responded yet I have not been provided no legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Transworld Systems needs to be held accountable for their unlawful actions.
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| 06/01/2015 |
Yes |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
Older American |
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I received a letter from a Collection agency, TRANSWORLD SYSTEMS INC., on XX/XX/XXXX for a bill of {$19.00}. When I called the credit agency I was not given any information as to how to contact XXXX who sent this bill to a collection agency. Apprarantly it is for rental of my XXXX equipment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complaint is that I have never received a bill from XXXX for this bill yet they forwarded it to a collection agency. If they could give my address to the credit agency they could have contacted me at some point during all these months. If they tried to mail me the bill I have never received XXXX. I always pay my bills so I resent them ruininng my good credit because they failed to send me a bill. Apparently this is the difference in what my insurance company at the time XXXX did not pay. Had I been sent a bill I would have promptly paid it. If you check my credit you will see I have paid much larger bills than this XXXX and always paid on time. I will pay the bill but I would like for XXXX to be aware of my complaint and if they say they have tried to send my a bill I would like to see proof of that. I would appreciate any help you can give me in this matter, I am sure I am not the only person this has happenned to.
Sincere XXXX
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| 11/15/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA. I DID NOT LEGALLY SIGN CONSENT FOR YOU, XXXX XXXX OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR ..You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report.
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.
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| 04/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XX/XX/2007, I bought a new house and contacted XXXX Security to install a security system.
According to city ordinances in XXXX, NC, any new alarm system installed in a home is to be registered with the XXXX XXXX Police Department.
XXXX subcontracted the job to a third party installer who never registered the system with the Police Department or notified me to do so.
The house was robbed shortly thereafter and since the system was not registered, the police were never notified.
I filed a complaint with XXXX Security for breach of contract and terminated my contract since they never fulfilled their duties under the agreement.
Almost XXXX years later, XXXX has chosen to levy a fee of {$390.00} and turn the account over to a collection agency, Transworld Systems Inc., of XXXX XXXX XXXX, XXXX, PA, XXXX.
This collection agency chose to contact me now, while I 'm in the process of obtaining a loan to buy a new house as a means of exerting pressure and collecting what is a fraudulent debt.
I ask for the Consumer Financial Protection Bureau 's assistance with this matter so that I can preserve my good name and credit history.
The account number being used by the collection agency is XXXX.
Thank you sincerely for your assistance with this matter.
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| 06/29/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi, upon checking my credit files I saw I have a collection account with Transworld Systems Inc and it said the original creditor was XXXX XXXX, I reached out to all 3 credit bureaus ( certifiedd returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by the collection company and to reached Transworld Sysytems Inc if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents or bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with XXXX XXXX or this company, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file this is what I found, now I have to litigate this knowing I have never opened any type of utility service with them or any company before. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 3o days, nothing at all. I want this deleted from all my credit files please. attached is the letter that i sent them.
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| 11/07/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
Servicemember |
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I am reopening a previous complaint with Transworld ( XXXX XXXX XXXX XXXX XXXX XXXX ). I am now seeing discrepancies between parties XXXX XXXX and Transworld. I recently reached an agreement to pay a lump sum with said company XXXX XXXX XXXX XXXX XXXX XXXX ( Transworld ) through the XXXX XXXX as stated in their closing. They stated they saw no XXXX XXXX. I will be attaching my DD214 ( Social Security Number blackout for Confidentiality ). Also, i see on the loan it is at {$9900.00}. However, XXXX XXXX states nearly {$16000.00} the total loan has come up too. Our agreement of the lump sum payment. Where are all these extra funds coming from. Also, the transaction history starts in the year XXXX however the disbursement date was effective XXXX. Where are the 5 lost years of information? i will also be reaching out to my mother to find documentation on her trying to talk to XXXX XXXX XXXX XXXX XXXX XXXX. I know Transworld, XXXX, and several other comapnies. Where are the other 5 years. I will also attach the previous letter as well. I need answers everything seems very very fishy. if you waited 5 years to buy this loan or missing 5 years of documentation. how is that possible? Also I am adding the transaction history of the loan to show of where it starts.
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| 08/04/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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After pulling all 3 of my credit reports, I've notice a collection debt from TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS XXXX. # XXXX AND # # # # # # XXXX YOU CAN SEE DIFFRENT COMPANY NAME ON EACH CREDIT REPORTING BUREAUS AND ACCOUNT NUMBERS, ( THE XXXX ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract/application with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED PERMANTELY FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XX/XX/2017 no judgments are to be reported on neither 3 credit bureaus. This is illegal again I do not owe this debt that the TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS INC/ has reported, and it is not mine. I request that TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS INC/ REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX XXXX XXXX AND XXXX XXXX I DON'T EVER WANT TO SEE THIS ILLEGAL ACTION ON MY REPORT EVERY AGAIN. I'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON MY REPORTS!
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| 09/10/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I resided in the apartment complex. At the end of my lease. I departed from my apartment on XX/XX/2019. My lease ended XX/XX/2019. I paid XXXX for the full month rate. As I departed in the middle of the month, 18 days early, that left me with a credit of {$870.00} on my lease in which should have been applied to any final balance imposed. I was assisted by XXXX XXXX XXXX Emergency Financial Assistance to Veterans to pay my last month rent as I was unable too. I was charged {$600.00} for cleaning fee that should have been applied to the prorated credit owed. The Apartment company withheld my credit and did not return it to me or back to the XXXX XXXX XXXX Emergency Financial Institute that assisted me with my payment and tried to charge me with an outstanding balance. The company sent me a cleaning bill in which they claimed they paid their staff the {$600.00} to remove a bed and dresser from my apartment. Because my credit for the month was not returned they should have applied the balance that is claimed, otherwise this would be considered as theft from the XXXX Emergency Assistance program as the credit/funds was not returned. I am not obligated or held to this charge. And I request this collection be removed completely from all credit bureaus report.
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| 04/04/2021 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Older American |
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The issue is University Accounting Services XXXX UAS XXXX https XXXX XXXX and their refusal to provide XXXX tax forms and/or help with resetting a login to access online. This results in my inability to complete our taxes since I can not access the UAS student loan XXXX tax form for the loan we paid this loan off in XXXX of XXXX. I repeatedly through XXXX tried to get into the systems and could no longer login with any combination of my son 's or my information ( they changed their systems XXXX. In XXXX repeated calls were made and waited on hold for 90+ minutes with no answer only to be hung up on at their XXXX XXXX close of business. After each UAS call hang up in XXXX repeated emails were sent and left unanswered. I need our XXXX tax forms!!! In all the emails I included our physical address change effective XX/XX/XXXX needed to be changed for our loan for tax forms.Other tax forms from ALL other service providers all arrived from XXXX but not UAS. The servicing of this loan has been a DISASTER, customer service up through XXXX was horrible and consistently laced with misinformation and now in XXXX refusing to help provide required tax forms or help correct access to their systems so customers can get them online. I need HELP to get my taxes done!!
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| 03/18/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This company repeatedly contacts me at work from numbers XXXX and XXXX. On XX/XX/XXXX at XXXX they called me at my work number from their number ending in XXXX. I immediately called them back from my cell phone and told them that I CAN NOT receive phone calls at work. I work for a state government agency and all of my call logs are monitored against personal calls. These can get me in serious trouble as " theft of resources '' for using my government phone for personal reasons. The lady I spoke to said that she would have the number removed.
Then this morning at XXXX I get another phone call using their number ending in XXXX. I immediately called back and told them I already asked on XX/XX/XXXX not to contact me at work. The only reason give was that it could have been another department that called. I'm sorry but I told your company once that calls are not allowed, it doesn't matter which department uses it.
When I asked what it was in reference too I was told they needed my social to look it up, I gave a fake number and hung up because I was hesitant to hand out my info to this company.
This company has my cell phone number, they call it constantly all day long. They should not be using my work number after they were told the first time not to.
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| 01/08/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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On Tuesday, XX/XX/2018, I responded to a request of Trans World Systems Inc. ( TWSI ) for payment for this alleged debt of {$400.00}.
I did not personally incur the debt. The debt was allegedly incurred by my adopted son, XXXX XXXX who was having some problems with the XXXX XXXX XXXX XXXX XXXX, and the said debt was forgiven by the Court, in XXXX County , Florida.
On Tuesday, XX/XX/2018, I provided TWSI with proof that the debt was forgiven by the Court. At your request, I can provide you with the proof that I sent to TWSI.
Once they received my response they were mandated by law, to refrain from contacting me again until they provided me with the proof that I was indebted to them. They did not.
Now, 21 months later they have started contacting me again about the same debt.
I submit, that when they failed to send me proof of my alleged indebtedness, they could no longer contact me about the said, alleged indebtedness.
Also, they are also precluded from listing the debt on my credit report.
I notified them, in writing, that I will be notifying the FTC of their attempt to resume collection of this alleged debt.
And, if they had listed the alleged debt on my credit report, I demanded from them, that they remove it.
Thank You.
XXXX XXXX
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello this is my second complaint against TSI. They are still reporting inaccurate and incomplete information on my credit report. This is an FCRA violation. I have also asked them to cease all communication with me and they still keep contacting me. I am well aware of the consumer laws and they are in violation. My attorney has advised me that I can sue them for {$1000.00} per violation. I'm sure they would hate to be sued for a higher amount than the alleged debt. I also spoke with the original creditor XXXXXX/XX/XXXX and they were not willing to accept payment from me, so why would I pay a 3rd party collector who I never signed a contract with? First off, the balance is incorrect and second, they will need to send it back to the original creditor so I can make some sort of agreement with them. I do not see the point of keeping this collection on file after I clearly stated to cease all communication with me.
As per the FDCPA 15 U.S. Code 1692g, I have the right to request a validation of this debt. I would like the following hard copies : 1. Agreement that authorizes TSI to collect on this alleged debt.
2. The correct amount of debt itemized and listed.
3. Contract with my signature.
4. Any payment history on this debt.
Thank you for your time
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| 08/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I keep receiving a collections from XXXX XXXX FKA XXXX XXXX XXXX XXXX regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from Transworld Systems XXXX Inc ( TWI ) their files XXXX XXXX and XXXX XXXX.
I have requested the proof of debt which I received from TWI on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to TWI explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts.
For my dismay, yesterday, I received another collections letter from TWI.
This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths.
I want the bank to cease and desist this collection effort together with TWI and or any other collections agency.
If the resolution is not satisfatory, I will pursue the matter legally.
I sincerely hope you can help me resolve this matter cleaning my credit and good name.
Thank you, XXXX XXXX
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| 11/19/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I have a XXXX loan for my XXXX program through the XXXX XXXX XXXX XXXX. The company that services this loan is call XXXX XXXX. This {$48000.00} loan is being collected at an interest rate of 10.25 %. in XX/XX/2020 I applied for a reduced payment plan with this company. My request was approved and all payments were made on time via direct withdrawal. Despite this, the company reported the acount as 60-90 days past due. After contacting them they acknowledged the era stating that although I am on a payment plan the system hasnt been updated to reflect that but that it would be fixed. This happened in XX/XX/2020, causing me to lose approx. {$15000.00} in available lines of credit form my other creditors through credit line reductions and/or credit card closures. it took approx. 8 months for my credit report to be updated. Once fixed in XXXX. 2020 I thought this problem was behind me only to have the exact same thing happen on XXXX XXXX XXXX causing my XXXX credit score to drop 50 pts. despite the payments they are taking from me via direct withdrawal and the agreed upon payment plan in place. My husband and I were also days away from purchasing a new vehicle because the engine went out on our current car and now we can not because of my credit score.
|
| 01/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been called 2 - 4 times daily, including weekends by Transworld Systems since XXXX XXXX. They refuse to talk to me unless I confirm my information is correct. I told them, you called me, I do not know who you are and refuse to give you any information. They immediately become aggressive, and tell me they will not remove my phone number without first confirming my information and that if I want anything from them then I have to confirm my information. They refuse to remove my phone number or send me correspondence through writing unless I confirm my information and I refuse! They leave and empty voicemail, which fills my voicemail box before the end of the week. I can not delete them quick enough and have missed numerous important calls because my voicemail box is full from there blank messages. They continue calling from different numbers starting with XXXX. Several have claimed to have already contacted me via writing, I have no idea what they are calling for as they refuse to tell me unless again I confirm my information. If they have contacted me via writing, then they know my information and do not need me to confirm it. I believe this an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX, whom has already told me that I have no debt.
|
| 10/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed this on my credit today and it cost me XXXX points. I DO NOT OWE THIS BILL AND I NEVER HAD A XXXX XXXX XXXX ACCOUNT. I CALLED THE COMPANY AND THEY TOLD ME THEY DIDNT SEE THIS ACCOUNT UNDER MY SOCIAL SECURITY NUMBER.. I ASKED THEM TO REMOVE IT AND THEY TOLD ME THEY DON'T KNOW HOW BECAUSE THEY DONT SHOW ME HAVING AN ACCOUNT WITH THEM. I TOLD THEM THEN HOW DID IT GET ON MY CREDIT. THEY FAILED TO TRY AND HELP ME HOWEVER, THIS HAS DAMAGED MY CREDIT AND I WANT PENALIZATION FROM THIS COMPANY. THIS IS A COPY OF THE ACCOUNT ON MY CREDIT REPORT ON XXXX I SPOKE WITH XXXX XXXX, AND XXXX XXXX WHO CLAIMED HE WAS A MANAGER, AND THAT HE DIDNT SEE ANY ACCOUNTS FOR ME AND THEY WAS A BIG COMPANY AND HE DIDNT KNOW WHERE TO TRANSFER ME BECAUSE HE DOESNT SEE ANYTHING UNDER Y NAME, AND MAYBE A NEED TO GOOGLE THE COPANY AGAIN AND MAKE SURE IM CALLING THE RIGHT COMPANY OR CALL THE ORIGINAL CREDITOR WHICH I DID AND THEY DIDNT HAVE ANYTHING UNDER MY SOCIAL SECURITY NUMBER.
THIS IS A COPY OF WHATS ON MY REPORT..
TRANSWORLD SYSTEMS I Last reported XX/XX/XXXX {$240.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX XXXX Report info
|
| 07/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2023, I was called by a person who identified herself with a debt collection company. I told her I would not talk over the phone and to mail me anything they thought necessary. I never received anything in the mail. They continued to call, and on XX/XX/2023, I sent them a letter to their XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA address. I found this address after searching for a reverse phone number and tracking the corporate office. I still never received anything in the mail from them. I have continued to be harassed on the phone. However, on XX/XX/XXXX, I was called again from a similar number but identified as TSI. On XX/XX/2023, I was called again by another similar number identified as TSI. Finally, on XX/XX/2023, I was called from a number not identified by my phone calling ID. It was TSI. I talked to XXXX XXXX. I told her that she was illegally harassing me, and I had notified her company I would only do business through the mail. I told her I would file a complaint against her company and her. It was then she just hung up the phone.
I wish to file three ( 3 ) separate complaints against TSI for harassment. In addition, I will be filing complaints with the Federal Trade Commission and the Tennessee Attorney General 's Office.
|
| 01/05/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
hello My name is XXXX XXXX I am a former XXXX school student, the school that forced to sale their foundation by the department of education for providing false education anyway I am applying for the loan refund, however my issue is that when the school got us to sing for the privet student loan from an agency called XXXX. after a period of time I received an email saying XXXX is not my loan provided anymore. And University accounting service LLc became the new provided service that I have to pay back to them. my problem start here, my bill is {$120.00} a month. I am paying that amount for couple of months but every month I have interest accrued, when I asked them by phone the lady told me because I am paying the Miniman .then I paid {$300.00} for tow month that 's double the amount, but still interest accrued. after that I have contacted them by phone and email to send me the loan and interest polices to understand why interest accrued to avoid paying interest no one did what I have Asked for. no body provided me the polices. just what I am asking for is that they do n't want to provide me information about my dept. I do n't know now if they charging accurate or not.
thank you the company website is XXXX my email is XXXXXXXXXXXX my phone is XXXX
|
| 04/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX ( the address attached to the company is Transworld Systems INC ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX ( Transworld Systems INC ) is reporting a fraudulent collection account on my Transunion report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX ( Transworld Systems INC ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
|
| 04/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed on XX/XX/XXXX that my XXXX credit report had three different collections on my account, all from energy companies located in Texas, where I have never lived or ever heard of. One was from the collector XXXX XXXX XXXX, from the original creditor XXXX XXXX XXXX XXXX XXXX for the amount of # XXXX. I had received collections letters in the mail from this collection, and I followed up by calling XXXX XXXX XXXX XXXX XXXX notifying that it was fraudulent or a result of identify theft and they made note of it and asked for my social security number to report it to the credit bureau, which I did not feel comfortable providing.
The two other collections were from the collector TRANSWORLD SYSTEM INC/ and Original creditor : XXXX I never received any letters or other notifications for these collections.
I disputed these collections through XXXX on XX/XX/XXXX, and two were removed, however one of the collections from TRANSWORLD SYSTEM INC/ remained. This remaining collection is for the amount of {$280.00} that opened on XX/XX/XXXX. I then followed up with XXXX to ask what else can be done about this collection as it is a result of identify theft, and they recommended that I file a complaint myself with the Consumer Financial Protection Bureau.
|
| 11/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX XX/XX/XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XX/XX/XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information.
At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XX/XX/XXXXas well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to graduate school in XX/XX/XXXX, and it was only after I graduated in XX/XX/XXXXthat they approached me about the default status in XXXX XX/XX/XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item.
The company is XXXX. I've disputed this with XXXX and XXXX multiple times, but they refuse to update the information.
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
I CONTACTED TRANSWORLD SYSTEMS INC REGARDING MY ACCOUNT WITH THE DOD XXXX/XXXX XXXX XXXX. i ADVISED THEM THAT I NEEDED TO DISPUTE THE DEBT AS I WAS NOT ABLE TO MAKE PAYMENTS DUE TO ME NOT BEING AVAILABLE TO HANDLE MY ACCOUNT. I INFORMED THEM THAT I WAS XXXX XXXX AD NOT ABLE TO TAKE CARE OF THIS ACCOUNT ALONG WITH BEING XXXX XXXX I WAS ALSO IN A NON PAY STATUS WITH THE XXXX I ADVISED THEM THAT ALL MY PAYMENTS WERE MADE UNTIL I GOT ORDERS TO MOVE AND I COULD NO LONGER HANDLE THE ACCOUNT I ALSO TOLD THEM I DIDNT HAVE ANYONE THAT COULD TAKE CARE OF IT FOR ME AND THAT I NEVER MISSED A PAYMENT PRIOR UP TO MY XXXX XXXX. I ALSO ASKED FOR A REPAYMENT PLAN AND FOR THEM TO CORRECT MY CREDIT REPORT I ALSO ASKED THAT THEY REVIEW MY ACCOUNT TO GIVE A HARDSHIP PLAN NONE OF THIS HAPPENED IN FACT THEY STARTED WAGE GARNISHMENT AGAINST ME EVEN WHILE I WAS WAITING FOR A REPLY ABOUT THE HARDSHIP AND THE CREDIT REPORTING.I ALSO ASKED FOR DEBT VALIDATION AND SPOKE WITH XXXX XXXX WHO WAS VERY RUDE AND SAID THAT IT WOULD TAKE 30 TO 45 DAYS FOR THEM SO SEND ME ANYTHING IN THE MAIL. I ALSO ASKED WHAT THE TWO CHARGES WERE LABELED TSI PAYMENT SHE SAID THAT WAS THE INTEREST I WAS PAYING AT 16 % AND THAT IT WAS ALL IN THE CONTRACT I ONCE AGAIN ADVISED HER WAS DISPUTING IT
|
| 04/07/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
I owed XXXX private student loans with XXXX XXXX XXXX totaling around $ 124k. With that and other debt i chose to go through a chapter XXXX bankruptcy in XXXX officially discharged XXXX. It was negotiated that they would reduce amount owed to $ 60k, no interest, and $ XXXX for 236 months. It was not reported to the credit bureaus. My father died XXXX XXXX, I forgot to add the payments to my new budget for the year. I never heard from XXXX what so ever, then in XXXX their attorney representation contacted me threatening lawsuit. I communicated with them and they agreed to reinstate the original agreement. " start over ''. i have been making payments. I tried to apply for a consolidation loan for bills today XXXX XXXX, XXXX. I was informed that Transworld System Inc a collection agency was reporting the loans as in collections. TSI also has not communicated with me in any ways. I need it removed from my credit report immediately. It is destroying my credit to the point I am unable to use the VA Home Loan option I served my country for. I also am unable to get any loans including auto loans. Please help me. I am XXXX years old and have XXXX daughters. I believe I deserve to have the " American Dream '' please help me figure this out. Thank you.
|
| 04/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Medical bill paid on XX/XX/XXXX, {$240.00} dollars owed to XXXX XXXX, XXXX and XXXX XXXX, XXXX, OK XXXX, USA. Debt was incurred out of Medical Services provided on XXXX XX/XX/XXXX and insurance company refused to pay it since they said I had moved from Oklahoma to XXXX and insurance did not cover overseas medical insurance charges. XXXX XXXX failed to notify me to my email address since they had the wrong email address and since I had moved overseas, address and all had changed. I did not get any notification of this debt until XX/XX/XXXX and I went ahead and paid it off by phone with my Credit Card -- NO ISSUES.
But, XXXX still went ahead and reported me to a Debt Collection Agency : TRANS WORLD SYSTES, debt collection agency. THEY have been harassment me daily, calling my overseas telephone number non-stop using a ROBOT-CALLING system daily phone calls that are mid-night here in XXXX due to XXXX hours TIME DIFFERENCES.
Number they call me from : XXXX, I have contacted their representatives time and time again without much success. They always assure me that it will STOP it never does. POC that company is XXXX XXXX XXXX XXXX ... .it is totally inappropriate to be continued harassment me like that even though I already paid of the DEBT.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Customer Service UNIVERSITY ACCOUNTING SERVICE , LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX Central Time Email : XXXX XXXX XXXXXXXX I would like to file a complaint on UAS, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them.
I have contacted UAS and XXXX multiple times regarding forbearance, I lost my employment due to covid19 on XXXX of 2020 and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect.
UAS has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and UAS is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit report.
|
| 09/19/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Student loan payments were made to XXXX XXXX since 2009. Every year I tried to reach out to them by mail asking for a receipt, there was no phone number to be found. I still made monthly payments while sending them a mailed request for receipts. Until a few years ago, my checks came back. I researched the law firm taking my payments, XXXX, XXXX XXXX XXXX XXXX, and found an attorney there who told me the PO BOX address had changed. At first he could not even find my account. I resent my payment, and also asked for reconciliation of the balance since I finally found someone to talk to. They could not find several of my payments I had made. I documented the check number of most of my payments, and also had some copies of old bank statements. They would not accept the bank statement as proof, as my bank only sent me the front of the check copy, not the back. I informed them I needed to stop my payments until they could reconcile the payments I made and agree to send me a receipt. They would not. Now the loan has been kicked back to XXXX XXXX XXXX for the full amount. I had already paid XXXX total. When I asked my bank to furbish the bank statements to prove I had made those payments, they stated after 10 years, all bank statements are deleted.
|
| 08/01/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This Collection agency ( Transworld Systems Inc/TSI ) is relentless and very unethical. TSI provided a very old ( " 2005 '' ) copy of a loan that was signed and date before I filed Bankruptcy and they are relying on a paragraph ( Section 12 ) of the old document instead of adhering to the Court Ordered/Discharged Bankruptcy document that was provided to them. The old 2005 Loan agreement is MOOT after it has been included in the Bankruptcy and discharged.
As stated to Ms. XXXX XXXX of TSI " If a consumer can prove hardship while filing Bankruptcy ; Private Loans that are included in the Bankruptcy can be discharged and XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX ( XXXX ) were both included in the Bankruptcy and Discharged one of the loans were even a " ChargeOff ''.
However, they have an Attorney by the name of Mr. XXXX XXXX who is a " Personal Injury '' Attorney handling the XXXX XXXX XXXX ( XXXX ) loans.
Because of the very shady business practices of TSI and constant violation ( s ) of the Federal Consumer Laws and the Bankruptcy Federal Court order, this agency, investor of the loan ( s ), etc. needs to be investigated, that is obviously audit, and sued. I do believe that I am not the only consumer that is being bullied by their antics.
|
| 08/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I was in the process of getting a VA refinance on X/X/2017 to pay off bills that my wife and I have accumulated and I attempted to find out the true amount and negotiate to pay off in cash a lower amount than stated. Either the collection company Transworld Systems Inc. or the XXXX XXXX, has already garnished two IRS checks and has not given us credit for this amount it has garnished after repeated attempts to get a bill or statement stating what the true amount that is rightfully owed after the garnishments. Even though I tried to negotiate a payment for the true full amount because of this fact, they would not. The amounts supposedly owed to them have gone up by thousands of dollars each month. These are loan sharking tactics. When I called the company that I owed money to, they gave me a lower amount owed but when I contacted the collection company they are asking for XXXX or more dollars over what I actually owe. Trying just to talk to the collections company was an ordeal in itself. They referred me to different departments and in the end after trying to negotiate with a person named XXXX XXXX, he gave a number to call which was the same number that I first called, and wanted me to contact someone else using the same telephone number.
|
| 04/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I work in collections so I am very familiar with all fdcpa violations. I was taught the most important rule is YOU MUST VERIFY WHO YOU ARE SPEAKING TO BEFORE DISCLOSING PRIVATE INFORMATION BY VERIFYING THE SOCIAL ETC. I was called by trans world systems, XXXX, she said is this XXXX, I said yes ( just to trap her because anybody can just say yes ) and she immediately went into what debt is owed, the amount, and my intentions of paying it back. I got her name, company name, advised her she never verified who I was and that she violated fdcpa regulations and asked to speak with her manager ( XXXX. ) I told XXXX that her rep never verified my social or anything else and that she violated fdcpa regulations. She told me she has been in collections for 10 years and so I asked her if she verifies the social before disclosing PRIVATE INFORMATION and she said of course. I asked what can she do to correct this problem and she said all she can do is apologize because her rep violated fdcpa regulations. I advised her I will be making a official FTC complaint and if needed will be contacting a attorney. Again she apologized and we ended the call. Also, in atleast one incident, multiple voicemails were left in one day which is also a violation of fdcpa.
|
| 11/05/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In XX/XX/XXXX I enrolled in XXXXXXXX XXXX XXXX. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX contacted me on XX/XX/XXXX to sell the loan for 1 month of service to XXXX. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with XXXX I called XXXX on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX XXXX agreement with XXXX XXXX took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement.
XXXX sold this loan to XXXX Connect for servicing. I received no notification of service transfer.
|
| 09/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
|
| 01/25/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX. in XX/XX/2016 I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone 12 payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from Transworld Systems Inc. stating i needed to make 12 payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.
|
| 10/29/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The private student loans are being handled by UAS, https : //www.uasconnect.com/. On XXXX I authorized a payment of {$33000.00} to pay off a student loan. That amount was debited twice from my bank account, leaving me with practically no money left in my account. I discovered the issue of XXXX, attempted to contact UAS but they have no phone or email support on weekends. I sent multiple emails hoping for a response but did not receive one on Monday XXXX. On Monday XXXX I spoke to UAS representative who indicated UAS had record of only a single withdrawal of {$33000.00}. I contacted my financial institution, XXXX XXXX XXXX XXXX who verified that 2 unique transactions of {$33000.00} had been issued to UAS. XXXX provided documented evidence which I then forwarded to the designated UAS contact, XXXX, XXXX XXXX. That representative forwarded the information within UAS. On XXXX I received an email from XXXX XXXX of UAS apologizing and telling me that a refund of {$33000.00} was requested to be refunded to my bank account. It is now XXXX and my money has not been returned to me. I am very few funds left to conduct necessary financial business such as paying bills, purchasing food, etc. The lack of response and accountability here is criminal.
|
| 12/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a yearly check-up with XXXX XXXX in XXXX XXXX XXXX as a self-payiing patient. I paid for services in advance- else this doctor will not see you. The services rendered were terrible, and she told me 4 times to go and see someone else for whatever I asked her, and she finally sent me off with 4 referrals. For a yearly check-up it was enfuriating that she only looked at the results of my XXXX which I had taken in advance to discuss results. To my great surprise, I get a {$95.00} add-on bill, for her services .... really? I called the office and spoke to the office manager after several attempts to talk to billing about " this mistake ''. I even expected a refund of the {$120.00} plus that I had already paid upfront, since I did not leave feeling that this doctor had even looked at me. Why do a physical, if you are not even looking at the patient???? In any case - the response has been to send the additional {$95.00} to collections. Is this a patience game? I refuse to pay someone more money who was insolent, did not answer any of my questions about my medical concerns, and made me wait for almost one hour in an office, and then had not even checked my medical records before walking in to talk to me. Waste of time - never going back.
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter.
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I look forward to hearing from you, XXXX XXXX
|
| 06/24/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
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.
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| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transworld Systems Inc responded to my CFPB complaint with insufficient evidence regarding the account XXXX. I instructed this company to verify that I have entered a legally binding consumer credit transaction with Transworld Systems Inc. They have not provided that however they have submitted pdf documents of information they received from another company in which that does not prove XXXX owe XXXX anything. Now according to 15 USC 1692 ( f ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. The document I received violated this law along with 15 USC 1692 ( e ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has not verified the debt nor can they provide first hand knowledge regarding the account. I have contacted you multiple times to give you a chance to rectify the account in question your willful noncompliance will be considered aggressive and you will be liable in a court of law.
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| 04/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
|
Trans world systems This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of trans world in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.
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| 06/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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We received a " debt collections notice from Transworld systems , inc. for an {$84.00} supposedly from XXXX XXXX XXXX. We never received ANY communication from XXXX XXXX XXXX and when we looked at our XXXX EOB 's only one claim was filed with our insurance in the past 2 years, leaving a balance of {$12.00}. We have no way of verifying any of this to know if we actually owe this amount, and had we received a bill or any communication ( written or by phone ) we would have simply paid the bill. It seems as though this is either a scam, or at the very least, a poor attempt to collect a debt that we may or may not be responsible for. XXXX XXXX XXXX should have supplied the basic information of date of service, what was paid by insurance, and what was remaining so that we could arrange payment to them. This did NOT happen, and instead, they sent it to a collection agency with no attempts to contact us. We are not certain that we owe this amount, and can not verify it as it is past the time that we can obtain documentation from our insurance carrier. I am not even sure how to get proof that we do or do not owe this amount. It's beyond ridiculous that XXXX would not simply pick up the phone and call us prior to sending to a debt collector.
|
| 01/02/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer.
I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default.
In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf.
In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
|
| 03/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I have a person who XXXX for me that now owes someone money and it has been given to Transworld Systems Inc for collection. XXXX XXXX XXXX, XXXX Delaware XXXX, phone XXXX ( the number their calling from for collection on a XXXX XXXX ). I am not him, I am his former XXXX and I XXXX him for cause a while back. They are calling me on my personal and business phone trying to get him or information on him. I have repeatedly asked them not to call me, we do not give private information out on both XXXX and XXXX XXXX. They are disrupting my XXXX, they will not stop calling and if I block the number they call from another one. I am being harassed, I am not this guy and they have to know this because I will bet they got it off a form that said XXXX or reference for the debt their trying to collect on., -- when I tried to find out who they were by calling them back they gave me this number XXXX. I am not even the guy that owes them money only he listed my number on something as a reference and they will not stop calling me after repeated attempt of me explaining that I am not him and please stop calling. They are disrupting my XXXX. I am a very XXXX XXXX XXXX XXXX, and I am at the counter talking to customers when they call most of the time
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| 09/21/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
|
In XXXX of XXXX I attempted to sale my house. I was notified that there was a second deed of trust held by XXXX. I had filed for bankruptcy some years back and was under the impression that the second mortgage was dissolved but it was not. It was transferred through multiple servicing companies and ended up at XXXX mortgage company. I was notified by them that it was charged off and sold to Nationwide Credit Inc ( NCI ). I have had numerous phone calls with NCI and can not get any information from them. The account is either on hold, closed or they can not find it. I have requested that IF there is a balance what are the options for for settlement and I am always told I will receive a call back or an email. In which I never receive. On XX/XX/2022 I was told they could not locate the account and I would have to speak to an offshore supervisor that was located in XXXX so he would have to call me back. I asked if I could hold to speak to him since I have yet to receive a call back. The individual I was speaking to raised his voice and told me that was not an option. At this point after several attempts to get the Deed released to my property I am frustrated and do not know where to turn. Any assistance would be greatly appreciated.
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| 03/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
In XXXX i was getting weird orders of things i did not order i returned them back to XXXX XXXX then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, trans world systems inc.they say i owe them XXXX, and XXXX XXXX says XXXX in other words different from amount, i have complained too XXXX XXXX that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now trans world after 6 months today have taking over 4000 dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop trans world and XXXX XXXX stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told XXXX XXXX that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges
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| 06/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/2020 I was seen at XXXX XXXX. I presented my health insurance card as it had changed in XXXX. I specifically advised the person at the clinic and they made a photo copy of it. I received a bill in the amount of {$35.00} for this visit and noticed that the visit was improperly billed under my old health insurance. I also verified the information with my health insurance carrier and was advised that it was billed incorrectly.
I tried contacting XXXX XXXX on multiple occasions and so did my mom. After dozens of unanswered calls, my dad contacted XXXX corporate and demanded that someone stay on the line until a member of XXXX XXXX answered the phone. After about 45 minutes, he was able to speak with a representative and gave them the correct billing information.
XXXX XXXX XXXX never re-billed the account as they stated that they would and turned this over to collection.
There should be a second bill for {$39.00} for a XX/XX/2020 follow which was also billed incorrectly.
My dad contacted the Collection agency TransWorld Systems at XXXX regarding this account and advised them to cease and desist any further collection attempts. The account number with TransWorld is XXXX. XXXX XXXX 'XXXX account number is XXXX XXXX
|
| 05/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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A company called Transworld Systems INC repeatedly calls my phone asking for my XXXX XXXX XXXX daughter for debt collection for XXXX XXXX of {$5.00}. I have called the company directly to get this matter resolved and they continue to run me in circles. I have talked to 3 different people asking for them to provide reason and exclude my daughter out of this and they keep telling me it 's a mistake on their part for not switching over the information. I received paper work after 4 months of having them calling me repeatedly and I continuesly asking for the paper work. The paper work recieved says that they can not run an investigation for the amount owed and they still have my XXXX XXXX XXXX selected for collection. I did not receive any paper work before hand of the amount due. The initial phone call that I received about the amount due was the collection agency needing payment from my daughter around XXXX of XXXX . This collection is from XXXX and I had no record prior for the amount due. My XXXX XXXX XXXX daughter has not recieved any paper work prior to the initial phone call either. They told me by law they did not have to send any information of the amount due before they sent it to collections.
|
| 07/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American, Servicemember |
|
A " letter from XXXX named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me in early XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in XXXX XXXX Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from Transworld Systems Inc. for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX XXXX offers self-opposing facts, untruthful information & no useful service.
|
| 01/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had received a notice from a debt agency ( Transworld Systems Inc. ) in XXXX of XXXX that I supposedly owe a certain amount of money from the creditor of XXXX XXXX XXXX. My family and I were moving at the time so I was not made aware of this notice until XXXX oXXXX XXXX. In which I had sent a validation letter on XX/XX/2021 to have this company prove that I am the person they claim in which this debt belongs to, in which they proceeded to send me a letter with a bill on XX/XX/2021, but no verification that I am in fact the person that owes this debt of {$430.00} ( in which " the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor ... '' ). I had sent them another letter, reiterating that they have not verified that this is my debt on XX/XX/2021 that I was expecting -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature Once again they had sent me a letter of just the bill of the breakdown of the payments that I supposedly owe, but there was no contract bearing with my personal signature, that I had originally asked in bother letters.
|
| 05/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
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I visited the emergency room in XX/XX/2019. After that visit for months I received multiple bills for multiple services related to that visit and it was hard to keep track plus I was still mentally reeling from my medical issue. Unfortunately, I discovered that one of the bills went into collection : Transworld Systems Inc. I thought it was paid but received no documentation. I called the collection company ( Transworld Systems Inc ) who promised that if I just paid it there would be no adverse effect. However, I discovered months after the debt was satisfied that they still placed a negative account on my credit report. This is uncalled for after I was assured that my payment would satisfy any issues. When I called to ask that they remove it, they just said they would state that it is paid, which is still unacceptable. Additionally they offered me credit repair services to build my credit back up. This is totally a scam. I know that collection agencies do not have to report anything to credit bureaus, but they totally did as probably some lame attempt to drum up money for credit repair. I have only had one collection in my entire life and it happened at the worst possible time as I am trying to obtain a new mortgage loan.
|
| 05/29/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans.
As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay.
Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing.
This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/24 I paid my Infinite energy account of {$90.00} in full. After making payment I was informed that the paid in full letter could not and would not be provided to me any sooner than 3 business days and could not and would not be provided to me by any means other than mail or fax. I did not and have not received verification of the payment to date. I have called multiple times to speak with a supervisor and they never come to the phone to address my issue. I have called a total of three times today and each time I believe the supervisor refuses to speak to me. This proof is vital to my survival at this point because it is holding me up from getting a place to stay! I have expressed this with the company over and over again and all they keep telling me is they can't provide me with the proof of payment in full. They claim to expedite the request but I have not received any communication. The agents are giving me different time frames ranging from 1-10 business days. The supervisor was supposed to call me back, but hasn't I guess they do not care. I just want answers on when I should truly expect my proof. At this point, they are refusing to provide me with proof of my payment in full and I have a right to have that.
|
| 09/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a collection notice from Transworld systems Inc. the notice stated the XXXX XXXX XXXX and XXXX XXXX had previously contacted me to request payment. I have not received any previous contact, but most importantly I have not been anyplace north of XXXX Ga in the XXXX XXXX XXXX the tag cited is on or any other vehicle I own. The XXXX XXXX cited has over 266000 miles broken AC, and is only used for short trips locally. XXXX XXXX XXXX XXXX claims they have a black & white photo of my car and tag, the lady I talked to said it was a dark colored car, My car is Sandstone beige and in a color photo it shows as bright silver or light tan, an this tag has been on this car since I purchased it in XX/XX/XXXX.
Since I have not been any place North or XXXX XXXX in XXXX Ga I know without a doubt that I have not been on any XXXX XXXX XXXX XXXX. I have disputed this charge with the XXXX XXXX XXXX XXXX and requested a copy of the photo of the tag with the same no. as mine, and made photos of the rear of my car and its tag to provide to them.
On date in question I was in the office of Real Estate Attorney XXXX XXXX from shortly before XXXX until between XXXX and XXXX went home and did not leave XXXX area for the rest of the day.
|
| 05/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
On XXXX, Transworld Ststems filed a collections notice with XXXX credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. Transworld sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with XXXX. Instead, every month, XXXX increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but XXXX has always sided with Transworld without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX my insurance company sent me to XXXX to pick up a rental car due to an accident I had. We had the car for almost 3 weeks and returned to XXXX. On XX/XX/2021. I saw a charge from this company for {$37.00} I never received an invoice and the insurance company told me they will be paid for the rental car we didn't know why we had this charge so I told my bank to dispute this charge. On XX/XX/2021, I received a phone call from the bank letting me know what I was charging for, and when they told me they were tolls payments I approved the transaction, which was paid right away. later in XXXX, I received a collection letter from Transworld Systems Inc, letting me know I owe them {$44.00}. I have been calling, and sending letters with the payment proof like the bank statements and the bank letter more than twice times and they continue saying that I have to pay for the service and the late fees. I never received a written response to my letters and I have been dealing with them for more than 8 months and I don't see they solving this situation. Now in the last call I did their response by phone was I'm in the red list. I don't know what else I can give them to proof of payment and when I asked I didn't receive a response
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXX / XXXX / XXXX We purchased a product called XXXX off a direct marketing infomercial. On XXXX / XXXX / XXXX they claimed it was for XXXX with 100 % money back guaranty. So we ordered it it wa s a 4 week supply. We tried it for two weeks. It made my wife XXXX . We called the company they told us they was not going to honor the guaranty. So I called my credit card customer service. Advised me to dispute the charge. So they can correspond with the merchant foe me .so I did do so. The credit card company sent the merchant numerous requests to correct the issue they didnt respond to the credit card company request during the required time allowed. I received a response from the credit card company that they had made a ruling in this dispute case. And refunded my account from this merchant. They advised me that this issue was solved. Now I have received letter from transworld system inc collections on XXXX / XXXX / XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX contact # XXXX . Requesting me to respond within 30 days. I tried to call the contact # and get a recording that this phone # is out of service Can pleas assist me in this matter XXXX and XXXX XXXX XXXX cell XXXX
|
| 05/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XX/XX/23 I received a call from TransWorld ( XXXX ) wanting to know why I had not responded to letter sent out in XXXX and XXXX of this year regarding a debt of {$16000.00}.
I replied that I had not received any. She checked her records and apparently the information was not sent to me but to my Renter. I immediately asked for a digital copy of ALL the information sent to the third party. The Rep said a supervisor would call me tomorrow.
I also said I had written proof that their client XXXX XXXX XXXX had agreed to a settlement from the insurance company and that they had been paid. I also explained to the rep that the insurance company said if XXXX XXXX XXXX feels they are owed more the need to resubmit.
XX/XX/23 I did not receive any contact from the company so I emailed them with the same information.
XX/XX/23 Called and spoke with XXXX and retold my story she said she would transfer me to a supervisor. I was disconnected during the transfer.
XX/XX/23 Called back and with XXXX who said she would transfer me to her supervisor, XXXX, but again I was disconnected.
XX/XX/23 Called back and spoke with XXXX XXXX who said she would transfer me to her supervisor but the number just rang with no voice mail option.
|
| 07/30/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I submitted a debt verification letter to TSI in response to their collections credit reporting of private student loans owned by XXXX. This letter asked for full verification of debt including but not limited to documents showing chain of custody and TSI 's right to collect on the debt. TSI replied back with a packet postmarked XX/XX/XXXX with information showing a loan/request credit agreement -signature page, note disclosure statement and loan payment history for loans taken out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TSI provided no information showing they had the legal right to collect on the debt by providing chain of custody paperwork showing transfer of custody from the original creditor XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) to XXXX XXXX XXXX, and from XXXX to XXXX XXXX XXXX. The CFPB settlement with TSI specifically states that TSI " Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. ''
|
| 07/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I believe XXXX XXXX XXXX billing department better known as University Accounting Agency, attempted to report Double Jeopardy Tradelines and a bogus claim to the Credit Bureau, namely XXXX, on my credit report. I have disputed the information reported from XXXX XXXX several times and still the matter has not been updated or resolved.
*XXXX reported 150 days late in XX/XX/XXXX. However there is no 30, 60, or 120 days late reporting prior to the XX/XX/XXXX.
*XXXX proceeded to report a 180 day late and then a Charge Off on the account in XX/XX/XXXX.
*XXXX continued to report a Charge Off in XXXX and XXXX of XXXX.
*However, all of a sudden, XXXX begins to report OK on my credit report from XXXX XXXX XXXX
*Then in XX/XX/XXXX XXXX reported 180 days late on my report through XX/XX/XXXX.
*XXXX then turns around and report OK on my credit report XXXX & XX/XX/XXXX *Lastly, in XX/XX/XXXX AGAIN reported 180 days late.
I would like XXXX bogus and misleading practices investigated. I am requesting that XXXX XXXX either delete the account from my Credit Report ( s ) or delete the fraudulent reporting after XX/XX/XXXX because the account had been Charged Off XXXX and should not have continued with it's to untrue reporting.
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This complaint is with regards to an incorrect late payment history that appears on my XXXX credit report. The history pertains to a Perkins Loan serviced through UAS for the XXXX XXXX University Bursar 's Office.
I submitted the following in a credit dispute to XXXX ( see attached ) : - Document 1 : Borrower Statement - Document 2 : Relevant CFR regulations - Document 3 : Relevant ISAC regulations - Document 4-5 : Proof of contact with the alumni office during the dates of alleged late payment - Since submitting the dispute, I have collected more clear evidence from the Alumni office regarding the exact dates my contact information was on file ( Document 6 ). I have attached this for review.
The dispute was concluded by XXXX on XX/XX/2020. I have attached a copy of the dispute report as provided by XXXX ( Document 7 ). Document 7 shows that the account history continues to reflect late payment status codes for these months. All that was updated was the effect of my recent payment on any past due balances.
Having previously tried to resolve this issue independently with both UAS and the XXXX Bursar 's office and through an XXXX dispute, I am now turning to the CFPB for assistance in resolving the matter.
|
| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.
|
| 08/26/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XX/XX/XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ).
After receiving this information, attorney for the plaintiff, XXXX and XXXX, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XX/XX/XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.
|
| 11/07/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XXXX XXXX XXXX XXXX took our my normal automatic withdrawl for my student loan in the amount of {$220.00}. They then also took out another {$220.00}. On their files it said that they then paid back the double debit from my account, refunding me {$220.00}. The records from my bank show that a debit was taken on {$220.00} on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX with no refund given.
I first called their company on XXXX XXXX, XXXX and was told to send an email to customer service along with my loan number. I did this that same day and and email was sent back saying that it was being forwarded to an account XXXX and I would hear back from then. I then called again on XXXX XXXX, XXXX as well as XXXX XXXX, XXXX with no progress made and got no answers. During the XXXX XXXX called the representative advised me to not make my XXXX XXXX payment. I did this as a XXXX time non-payment with it saying no money was due.
Since that time no money has been refunded, no principal has been taken off of my loan amount, interested has continued to incur on my loan, and I have not had a reply email or phone call from the company.
I emailed them also on XXXX XXXX, XXXX as well as today, XXXX XXXX, XXXX with no response.
|
| 04/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
-> I have sent 3 correspondence letters via the US postal mail to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ).
-> I have also sent at least 2 inquiries/correspondence via their website which has a page dedicated to sending them messages.
-> From all of the above, they have failed to contact me back in regards to disputing the debt and they seem to be running the clock so that the 30 day time-frame will elapse. I am trying all methods of clearing/disputing the debt with them. But they have failed in every single attempt to even acknowledge my dispute of the debt they want to collect.
-> I have also contacted the original creditor ( XXXX XXXX : Patient Financial Svcs ), and they will be reclaiming the debt as it has been within 30 days ( transferred it over to TSI on XX/XX/XXXX or XX/XX/XXXX ). So TSI will no longer have any claim on the the debt and can not contact me to receive payments after 30 days. The debt will revert back to the original creditor and thus TSI needs to respond to my multiple types of correspondence and investigate/close the matter ( as the debt is no longer their 's to collect ).
|
| 12/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
XXXXXXXX XXXX XXXX XXXX XXXX issued a collection action with transworld systems inc XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX dollars as part of our divorce agreement - however - after numerous contacts with XXXX - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - XXXX needs to remove this account from my report - in addition - XXXX does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to XXXX and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a contract with XXXX that initiated on XX/XX/XXXX . After having XXXX services performed, I noticed my lawn deteriorating. I reached out to XXXX and expressed my concerns. They blamed it on our lack of rain, although I had been watering the lawn myself and incurring the additional expense on my water bill. On XX/XX/XXXX I called and spoke with XXXX at XXXX . I informed her that I wished to discontinue my agreement with XXXX because my lawn looked much worse than when I started. She assured me that my account had been noted and that no additional charges would be made. The area manager, XXXX ( XXXX ) XXXX called me on XXXX and said that he was sorry for the poor service that I had received and that he was going to come and evaluate my yard to see if there was anything they could do to win back my business. He said that he would remove the unauthorized charges from my account. As of today ( XX/XX/XXXX ), I have never seen or heard from them again. I am now receiving collection notices from Transworld Systems for the {$230.00} amount. I have written to them explaining all of this, however they continue to attempt collection. I do not want this to tarnish my credit. PLEASE HELP
|
| 06/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX of XXXX XXXX billed for a medical procedure on my daughter. The billing statement is XXXX/XXXX/2015. I wrote aa check to pay the bill on XXXX/XXXX/2015. The Doctor 's office did not process the check ( through my bank ) until XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contact via mail by Transworld Systems stating that they were attempting to collect a debt for the doctors office. On XXXX/XXXX/2015 I contacted the doctors office ( XXXX of XXXX XXXX ) they stated our account was out of debt collection and they mailed a statement which shows the debt was paid. I mailed all records to Transworld Systems on XXXX/XXXX/2015 showing the debt was paid.
We received another letter dated XXXX/XXXX/2015 from Transworld Systems on another attempt to collect the debt that was not owed and has already been paid off. Transworld Systems says our account is not in collections, but they have sent letters still wanting us to pay them. They have also made attempts to get our phone number, I can only assume this would be used for further harrassement.
I certainly do not recommend XXXX XXXX or XXXX XXXX with several locations in Texas as they held our payment, it seems intentionally, to put us into a debt collection.
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection Agency TSI-TransWorld Systems Inc. is trying to collect a debt for a landlord ( XXXX XXXX, prev. XXXX XXXX ). Landlord & I were litigants for referenced debt which involves Security Deposits I paid and damages landlord alleges. I, the consumer, won the case but the Landlord had already placed the debt in collections and ( to present date ) still refuses to allow the debt removed from my credit files. TSI indicates Landlord did not respond to several attempts for information. TSI will not remove debt because they want to be paid from Landlord or consumer. I have the Case History from the Official County Clerk website, showing I won the case and this debt should have been removed from my credit files in XX/XX/2021 after the Judgment was entered. For over 4 years, I have tried to get XXXX XXXX and TSI to remove the debt but they both refused. This bad debt with collection agency has had a detrimental effect on my credit score and my ability to obtain desired housing. Each time I tried to resolve, TSI informed that creditor ( Zone ) has 30 days to respond but informed me creditor does not have to respond at all. This is unfair to me as a consumer. They should have to respond or remove the debt entry.
|
| 11/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
NATIONWIDE CREDIT , INC. ( nci ) I received communications from XXXX XXXX regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt.
A few weeks later, I found gainful employment and responded to XXXX XXXX, informing XXXX XXXX that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck.
XXXX XXXX XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from XXXX XXXX XXXX XXXX was my account was sold to Nationwide Credit , Inc. ( nci ).
Mid to end of XX/XX/2021, as soon as I realized what was happening with XXXX XXXX XXXX XXXX and Nationwide Credit , Inc. ( nci ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and XXXX XXXX XXXX XXXX investigation findings.
In the meantime, Nationwide Credit , Inc. ( nci ) has been sending frequent emails to collect the said debt. I have not communicated with Nationwide Credit , Inc. ( nci ) because this confusing situation requires resolution before paying anyone any amount of money.
|
| 07/10/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
This complaint serves as a follow-up on complaint # XXXX. Previously, my student loan servicer " University Accounting Service '' ( UAS ) informed me that I held a student loan owned by a lender " XXXX XXXX XXXX '' ( XXXX ). UAS would not provide a copy of the master promissory note nor would they provide contact information for the listed lender XXXX. My own investigation of this lender suggests that this lender either does not exist or can not be contacted, which I believe violates my rights as a borrower. As a direct result of my previous complaint with the CFPB ( # XXXX ), UAS did eventually provide a master promissory note for this loan signed in 2008. However, both the creditor and the lender listed on the master promissory note have since declared bankruptcy. Given that neither the original creditor/lender nor the current lender can be contacted, I have serious concerns that my rights as a borrower are being violated in that I am unable to verify to whom I owe this debt. I am requesting that either UAS provide valid contact information for the lender or that UAS provide documentation that the lender ( XXXX ) is in fact an active organization ( there is no indication that this is currently the case ).
|
| 04/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received bills from XXXX XXXX for services related to out patient XXXX. My insurance carrier ( XXXX XXXX ) required multiple pre-authorizations which were provided as directed. XXXX was in XXXX of XXXX. After receiving bills for hospital services I contacted the Hospital for direction and they suggested that my Insurance Carrier should be contacted. I kept receiving bills from XXXX XXXX which I kept disputing because they ( XXXX XXXX XXXX had not divided the bill nor did they bill the correct insurance ( coded incorrectly repeatedly ). XXXX XXXX resubmitted the account for insurance and was paid a portion of the outstanding debt by XXXX XXXX. I received a corrected bill from XXXX XXXX and paid that bill within 7 days of receipt. In the mean time, this account was sent to collections and I disputed this within the 30 day time frame with each of the 3 reporting agencies. All agencies EXCEPT XXXX removed the information after confirming that account was not eligible to be sent to collections.
When I disputed this account in XX/XX/XXXX with XXXX once again they stated the information is accurate. Clearly they never researched this account. I demand that the collection account be removed for being inaccurate.
|
| 11/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
Upon beginning classes through the XXXX XXXX XXXX " XXXX '' XXXX, I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX XXXX XXXX ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a XXXX student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account Service, LLC from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, XXXX XXXX XXXX. XXXX XXXX a ) ), XXXX and the XXXX XXXX for XXXX XXXX.
|
| 05/31/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
I filed bankruptcy in XXXX XXXX . My bankruptcy was discharged XXXX XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday XXXX / XXXX / XXXX there were XXXX collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.
|
| 08/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Transworld Systems Inc sent me a letter dated XXXX/XXXX/16 claiming I owed them {$870.00} and offering me a XXXX % settlement. Two weeks later I called them requesting proof of debt. I also called the hospital, confirmed that I owed them NO money and that I had insurance at the time this charge may have been incurred. I tried to get the phone number of the creditor from Transworld and the request was denied. I was also informed by the hospital that they never worked with the creditor listed -- XXXX XXXX XXXX.
It is now XXXX XXXX. I still have not received proof of debt. I called Transworld again this morning. The phone went immediately to an extension 's voicemail. That mailbox was full and unable to record messages. I went to Transworld 's listed website " XXXX '' to try to contact someone -- that website has been shutdown.
I do not have money to buy my credit report to see if this charge has been listed against me.
The address for XXXX XXXX XXXX is for an office building. The suite number was not provided. I have no way to contact them.
The above leads me to believe that this is an attempt to steal money from me by threatening my credit score by illegally obtaining protected health information.
|
| 05/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am writing to report a scam that I believe I may have fallen victim to. On [ date ], I received a phone call from a person who claimed to be from TSI. The caller said that I had a debt on my XXXX reward card and that I needed to pay it immediately. The caller gave me their phone number, which is XXXX, and their TSI ID number, which is XXXX XXXX XXXX.
I was suspicious of the call, so I decided to look up the TSI ID number online. I found a website that said that the number might not be the real TSI ID number for XXXX. I also found a website that said that there have been reports of people being scammed by people who claim to be from XXXX.
I am concerned that I may have given my account number, bank name, and routing number to the scammer. I am worried that the scammer may use this information to steal money from my bank account.
I have already contacted my bank and placed a fraud alert on my credit report.
I am writing to you to ask for your help in investigating this scam. I would like to know if the TSI ID number that I was given is the real TSI ID number for XXXX. I would also like to know if there have been any other reports of this scam.
Thank you for your time and attention to this matter.
|
| 01/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX was unresponsive when trying to cancel their services. After 11 months I realized the services that were promised were never delivered. They promise a home warranty service in which appliances and major issues within your home would be replaced if deemed to not replaceable. I had an issue with my AC and was told by one of their repairmen it would cost a lot of money to clean the outside vent.
I was charged {$99.00} for the repairman to tell me I had an issue.
If you see their reviews you will see that this company is a SCAM.
After attempting to call their toll free numbers and waiting on hold for up to 6 hours, their number ( s ) would hang up on me. As soon as I placed a stop payment through my bank, I started to receive harassing phone calls. However, calling customer service is a nightmare if you are trying to cancel their service. Its as if they know that you are.
The collection is now 3x the original amount.
I attempted to cancel their service in XXXX of XXXX.
Last ACH Debit was XX/XX/2021.
The original amount bill was {$44.00} and now it is {$130.00} I should owe nothing. I was not on a 12 month contract. There was no contract signed. No cancellation policy in place or sent to me.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by Transworld Systems ( TSIXXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from Transworld listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with Transworld back in XXXX. I then tried to obtain deletion directly from Transworld and they refused. I then disputed with XXXX, XXXX and XXXX and XXXX deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at XXXX and/or Transworld are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining Transworld accounts should be deleted by XXXX so I can obtain credit score lift. In fact, the 4 medical collections from XXXX never should have reached Transworld for adverse listing against me. XXXX XXXX
|
| 10/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I had a charge off from a Miltary XXXX card. The amount of the debt was XXXX. I was garnished byTransworld Systems. I paid XXXX in XX/XX/2016 and {$250.00} every month. With the garnishment and the payments made of to XX/XX/XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
|
| 05/02/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been paying off my loan with XXXX XXXX XXXX consistently for year with no problem. Starting this year I updated my bank account information and all of a sudden all my payments have been failing. I have tried paying to my loan 6 times and they keep failing the payment. I have re-updated the correct bank account information multiple times and they still fail to accept the payment. I contacted my bank, who checked their system and they found 0 record of XXXX every trying to take the payment. I have confirmed the bank accepts ACH ( I have multiple other loans paying from the same bank account with NO problems ). The customer service with XXXX is HORRIBLE. I have called and e-mailed numerous times and I get some person outside the United States who knows nothing and they all come up with a new excuse and never actually help. I have gotten no return contact from someone who will actually fix this. Now they have started going after my credit for their error! I can not get anyone to help and all I want to do is pay my loan and restore my credit history, which should show 100 % payments and no derogatory marks. I am trying everything I can and this is all the fault of XXXX and their failed system.
|
| 02/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Today I got a call from a debt collector TSI. The rep said it was on a recorded line despite me not giving consent and I asked what it is in regards to she told me and I asked to only correspond by mail with no more phone calls. She then asked me how I would like to take care of the matter and I said when I get the paperwork I will have a look at it. She said well the paperwork takes 7 to 10 days to get to you I need to know how youre going to take care of it before then and I said this is the 2nd time Im asking you to only correspond by mail. This is total harassment!
She laughed and said youve been in collections for almost a year Im asking how you plan on paying for it I said this is the 3rd time Im asking to correspond only by mail.
She said I know you are aware of this bill and I want to know how much youre going to pay today. I said this is now the 4th time Ive asked to end this call and correspond by mail only.
She said youre in collections you owe {$1000.00} and I need to set up the payment today and I said for the 5th time i am asking to only correspond by mail on this matter She laughed again and said well we arent going anywhere I will end this call now and will call you again
|
| 01/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A single violin ( " product '' ) was purchased and paid for in XX/XX/2018. XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) failed to deliver the product. XXXX XXXX XXXX was contacted regarding the failure to deliver. When the product was finally received, it was damaged. XXXX XXXX XXXX was contacted again and a replacement was sent. After receiving the replacement, XXXX XXXX XXXX requested that the damaged product be returned to them.The damaged product was packaged and set outside for pickup by XXXX ( XXXX XXXX XXXX agreed to arrange a pickup ). XXXX never showed up. XXXX XXXX XXXX then ran an unauthorized charge on my account for the damaged product they failed to pickup. This charge was disputed. XXXX XXXX XXXX was informed and apologized. The aforementioned is in writing and is attached.
Thereafter, XXXX XXXX XXXX has attempted to collect on the disputed charged for the damaged item they failed to pickup. XXXX XXXX XXXX has sent the non-existent debt to a creditor, Transworld Systems Inc. ( Account XXXX. : XXXX ). Transworld Systems Inc.is attempting to collect on a non-existent debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
|
| 09/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have a debt in collections on my credit report that I was never notified about. The debt is not mine. I paid rent signed the paperwork to end the lease and paid all debts that were owed. I moved out of the apartment on short notice due to be XXXX with the XXXX. I cleaned the apartment and left it cleaner than I found it I have documentation requests for maintenance and complaints to the leasing office about odor in apartment capret when I first moved in. The bathroom cabinets were not clean, there were nail clipping in the carpet as well. I moved out of the apartment 6 months ago and have received no communication from the apartment, XXXX in XXXX XXXX, Texas or from the debt collection agency. When I called they are saying the extra charges are for carpet cleaning fees due to dog pee but I did not have an animal in the apartment. The person that lived there before me did and I told them that it smelled like dog pee. I have attached a copy of the email that I sent to the leasing office when I moved in XXXX of XXXX stating that there was a urine like odor in the apartment that was making me nauseous. These charges have been unfairly assessed to me and I want them removed from my credit report.
|
| 04/13/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I checked my credit report at a mortgage lenders office. A TransWorld Systems has reported a delinquent collections from a medical bill in 2011. I called to settle this issue. They claimed that " the client '' does not offer settlement options and I need to remit the full amount of {$940.00} ( {$220.00} from XXXX/XXXX/2011 and {$720.00} from XXXX/XXXX/2011 ). I called the " client '' they mentioned to discuss repayment or settlement options ( the hospital ). They informed me that it was well past the statute of limitations, it is an old bill, and it has been deleted and is no longer in there office. At this point I called TransWorld back and relayed the information and continued to offer a settlement in order to close the debt with a one time {$500.00} Visa payment ( over 50 % of the original amount ). They continue to tell me that " the client '' does n't offer settlement or does n't have settlement guidelines. When I called the hospital back they informed me that they do not even work with this organization anymore ( TransWorld ). I 'm simply trying to to take care of this the best I can and it seems they continue to feed me false information on the origin or settlement options of this debt.
|
| 07/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have 2 previous complaints about this company harassing me.
They still will not stop. I contacted an attorney and sent them a cease and desist letter. Im in the process of filing a lawsuit.
It started with emails. I was receiving emails for an account that was not mine. I emailed them back, I filed a complaint here. Im filing the complaint here the company received my phone number and address and have been harassing me and any people who come to my home since. I filed another complaint about this expecting it to stop, it has not. On XX/XX/2023 and agent attempting to serve court papers to a person whom does not live at my address beat on my door so hard that it broke the hinges. My home has become terrifying for me to live in, with the constant threats and harassment. This company will not stop harassment of THE WRONG PERSON. I am now asking for XXXX XXXX as compensation for emotional distress, damage of personal property, defamation of character invasion on privacy, loss of sleep and income. Making my home unsafe for me to occupy as I can no longer lock my dead bolt as they broke my door. Emotional distress and an hourly wage for trying to resolve this, trespassing and refusal to stop.
|
| 12/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
This account started with XXXX XXXX XXXX XXXX ..This company that handles im assuming that XXXX XXXX gives there bills over to ... Didn't inform me of what this was until it showed on my credit and being after the fact was bullied into pay or it will cause more negative impact to my life and my credit report and score .They also use another company associated in florida thats damaged my credibility with my credit report ... This has been addressed if both company would have just done some basic investigation into this ... Would have found that I was the renter of said car..But I gave no other person Authorization to drive this rental while I was 3000 miles away whenever this car was damaged and the person Whom was driving was in the car and was in the police report and no relationship to me gave wrong information to police when asked ... So now this company after XX/XX/2018 decided to whom can we bullie to pay up..? .. well since there's no bullying going to happen or threatening manner to me they decided to after 2 years report it to my credit report?? No this will not be put on my report years later or in the near future ... ..Its been disappointing that it needs to come to this ... ..
|
| 07/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a bill in XXXX from XXXX XXXX for a supposed visit in XXXX. The address was correct, however my last name wasn't on their invoice. I called the company and talked to XXXX ( ext XXXX ) and said it must be a mistake. I have a different company that installed my Water Heater and services it - since its under warranty. She said she is not changing any records - so I talked to the owner of the company and he said he will get back to me. 6 months later, in XXXX of XXXX I received another invoice with a different visit date, postmarked for XXXX - which I thought was also odd. The amount it {$240.00} dollars. I called to XXXX ( ext XXXX ) and went through same conversation. She said she is not changing anything so I requested any documentation to show that its me they dealt with. A PO, a signed purchase order, anything with my name on it, there was nothing. Then I get a call from Transworld System, a collection agency and they are now inquiring about this debt. So now this somehow spiraled out of control without me being involved. I have never done business with XXXX XXXX, and the fact that they can simply submit me to collections is amazing. With no proof or even my correct last name.
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am submitting this complaint because I received a letter a few months ago from XXXX XXXX XXXX. I assume that the letter was a scam because I knew nothing about the stated debt and did not reply to that letter.
On XX/XX/XXXX I received an email from TSI ( Transworld Systems Inc ) about the same debt which they were now collecting for XXXX XXXX XXXX. in the amount of {$1400.00}.
Please note that TSI Debt Collection Email dated Wednesday XX/XX/2023, is acting on behalf of XXXX XXXX XXXX. who stated they assumed the debt from the XXXX XXXX XXXX.
They stated that as of XXXX XXXX that I owe {$1400.00}. I mailed a certified dispute letter to TSI on Wednesday XX/XX/XXXX to dispute the collection letter received. I requested they correct their records regarding this invalid, non-verified debt and to discontinue any type of communication regarding that debt.
Please note that the dispute letter was sent to TSI physical address only as reflected below. The po box is provided for references only.
Transworld Systems Inc. ( TSI ) ( Physical Address ) *TSI Correspondence Address Formerly Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
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.
|
| 01/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
In XXXX, I filed a complaint regarding Transworld Inc, a private debt collection on behalf the The XXXX XXXX " XXXX XXXX and TXXXX XXXX XXXX XXXX '' My complaint went unresolved. However, both XXXX XXXX ( XXXX ) and Transworld sent letters of debt collection, yet the copies of letters violated the of 60-day Treasury Offset Payment by taking federal tax return prior to 60-days.
I received a letter back in XX/XX/XXXX regarding collection of 15 % from social security starting XX/XX/XXXX.
Since XX/XX/XXXX, Transworld has been charging an interest to my XXXX XXXX balance debt. In XXXX and XXXX, my federal tax return was taken but the amount only paid the interest set by Transworld.
I received a XXXX XXXX XXXXXXXX and {$220.00} is deducted and applied to my debt payment. However, {$200.00} is paid toward my debt. My federal debt to XXXX is not being paid but only the interest. Missing amount of {$18.00} is not accounted for.
I believe Transworld has stolen {$18.00} from XXXX and we have no agreement and why is the interest being paid and not my balance to XXXX?
In conclusion, I have been deceived by Transworld, by not honoring the 60 days, no agreement on interest and theft of funds.
|
| 07/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please.
TSI can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee.
I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however TSI has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from TSI was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''.
No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )
|
| 09/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XX/XX/XXXX XXXX XXXX XXXX sent me a phone that was incomplete. I called and XXXX agreed to cancel my XXXX account and I return phone. They cancelled my charges and I sent phone back. I continued with their cable TV and internet service. Phone returned IMMEDIATELY in XXXX, but they never credited my CC. In XXXX, I disputed CC charges, sent my bank proof phone was returned and charges reversed. In XX/XX/2023, I move to Arkansas. No bills were ever sent to me and I thought all was finished. After moving XXXX sent me notice that I owed {$93.00} for the phone and one month of XXXX at {$25.00} and startup. I explained through EMAIL and PHONE that I returned phone and had cancelled that account. After 4 months and me moving, they claimed I never returned phone and that I also owed the {$25.00} for first month. XXXX turned my account to TSI for collections in XXXX. I tried to submit a dispute, but their site wouldn't allow me to. I finally got proof from my bank and XXXX shipping proof. I sent proof to XXXX and TSI. TSI has now blocked me as I have sent them proof of return. BOTTON LINE, the negative on my credit hasn't been removed. I am in the process of emailing XXXX and TSI every day.
|
| 02/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
At the beginning of XXXX I attempted to obtain a mortgage prequalification and identified 3 unknown medical bills on my credit report from Transworld Systems Inc. When I contacted them by phone XXXX/XXXX/20 I was advised there were several more accounts that were not reporting on my credit report, but were in their records. In an attempt to get the prequalification done, it was time sensitive pending contract on new construction, I paid ALL the bills. I asked that a confirmation letter be sent. Ten days later I had not received the confirmation letter. I asked that it be faxed and mailed. The first week of XXXX I still had not received the confirmation letter. When I called for the third time I was told neither of the first two representatives had mailed or faxed the letter though my fax number was in their records. Finally the faxed letter was received that same week. XX/XX/XXXX I spoke with my mortgage company and they advised me that one of the TSI charges was STILL on my credit report. It is for {$59.00} and the credit report lists it as account number XXXX. The confirmation letter from TSI does list an account ending XXXX, but does not detail the amounts paid for each account.
|
| 02/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Please send me a letter explaining your findings and actions.
|
| 11/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020, I filed a complaint with CFPB against XXXX Consumer Reporting Agency and Transworld System , Inc. for reporting fraudulent and incorrect information after multiple dispute whereby XXXX did not correct and Transworld was aware that they did not own the account for which they were reporting.
The response from both Transworld and XXXX was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with XXXX when no new negative activity had transpired. I reviewed my report tonight and noticed that Transworld still shows on the XXXX Report. When you show the three bureau report, you can see that TSI does not exist on XXXX or XXXX but it is showing on XXXX with balances. In addition, XXXX is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that XXXX is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because XXXX will not correct the program and Transworld is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH XXXX AND TRANSWORLD SYSTEM, INC.
|
| 05/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
TSI is a Collections agency for XXXX XXXX XXXX My account ( XXXX ) ended up in Collections in XXXX as a result of misrepresentation from a consolidation agency. Since then, I entered into an agreement to pay down the Collection debt with TSI for $ XXXX. This payment was authorized as an automatic deduction from my checking account each month. For some reason, they terminated the agreement, then started sending threatening letters until I called to Re-establish the auto-draft terms of $ XXXX.
In XX/XX/XXXX, my bank ( XXXX ) and I called to receive a payoff balance letter to allow payment this debt in full. The Account was paid and reported as {$0.00} Balance as of the billing cycle ending XX/XX/XXXX.
On XXXX XXXX, TSI sent a bill for {$3400.00}. I have not made any additional charges on this collections account, however, TSI has garnished our XXXX joint income tax returns in the amount of {$3400.00}!
The pay off balance as of XXXX, XXXX was {$1900.00}. After confirmation from a TSI representative, this amount was paid off with certified funds from my bank in XXXX, XXXX and the debt was reported to XXXX as {$0.00} balance as of XX/XX/XXXX. Therefore, I do not owe this debt.
|
| 11/27/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Account servicer University Accounting Service XXXX XXXX # XXXX XXXX reported that I had a past due loan amount. I have been paying on autopay for the past year, paying {$50.00} extra per month. There was not, and has never been, a past due amount in the amount stated. Calling the company, ( a ) I was hung up on twice, ( b ) I waited on hold for more than 30 minutes, and ( c ) when I finally reached someone, I was told to " simply disregard '' the past due amount on the most recent statement.
My concern is that this servicer 's error has affected many more borrowers than myself. It is unethical ( and potentially illegal ) to report that borrowers are PAST DUE on their accounts. It is inconceivable that I would be past due when my payments were posted and I had been paying extra for many months, even a cursory glance at my account would have shown no past due amount.
Similarly, the servicer reported that my last payment was {$10.00}, when in fact it was {$160.00}. To the best of my knowledge, no payment for {$10.00} was ever made.
I am yet to receive confirmation in writing that I have no past due amount, and I would like a regulator to look into this company 's practices.
|
| 04/15/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My {$12000.00} loan obtained during XXXX school is supposed to be in deferment as I am a XXXX resident still in residency. My loan servicer, University Accounting Servicer, LLC, repeatedly tries to start charging me interest on the loan incorrectly. I re-apply for loan deferment each year, and last year my deferment was approved from XX/XX/XXXX to XX/XX/XXXX. Yesterday, I called the customer service agents who removed the interest from the " interest '' section of my bill, but the total current balance still keeps increasing everyday ( now up to {$90.00} in incorrect charges ). I received an email saying my loan was put into forbearance in XX/XX/XXXX instead of deferral, and my loan has been accumulating interest ever since. I never agreed or asked for forbearance. I should be have no interest or any other charges on my loan until I graduate residency. This loan servicer repeatedly exhibits predatory behavior in this manner and tries to charge interest when they think I will not be paying attention. The customer service agents repeatedly refuse to address or fix my issue. Every few months, they will reverse my deferral and I will have to go through this process all over again.
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
TRANSWORLD SYSTEMS INC is reporting a debt that is not owed. Attached is a copy of a statement from XXXX notifying me of cancellation on XX/XX/XXXX, it also shows the original date of delinquency is XX/XX/XXXX and not XX/XX/XXXX. Also is a copy of the contract between myself and XXXX. It is not signed by me or other parties. No documentation with my signature is even on file. Also in the contract agreement there is nothing stating that if this policy was cancelled for any reason funds we be due to XXXX or any other party. This debt is not valid. I have more proof that I do not owe this. I would rather avoid taking TSI to court. XXXX has given you paperwork for a debt that is not owed. XXXX is under investigation by the Georgia Insurance commission for improperly reporting a debt and violating my rights. Any further reporting by TSI I will have to file legal proceedings against them as well. I don't owe this debt. XXXX made a error on this account that was sent to be fixed in XX/XX/XXXX. They never fixed it and a computer error was made on their part. This is not owed and was never delinquent in XX/XX/XXXX. Either report the true date of delinquency or I will take legal action.
|
| 08/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX Acct # XXXX, a subsidiary of XXXX XXXX. XXXX, and address of XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. Assigned this account over to Transworld System inc on XX/XX/22 for collections. The amount assigned over to Transworld Systmen inc is XXXX. The address of service is XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The date of service is from XX/XX/22 to XX/XX/22. I have never lived in the state of XXXX I've been living in XXXX XXXX going on over 30 years. XXXX XXXX XXXX from XXXX, a part of XXXX. A Restoration XXXX is assisting me. In gettting this matter resolved. XXXX XXXX XXXX be reached at XXXX EXT XXXX. On XX/XX/22 XXXX XXXX XXXX placed a conference call to Transworld System inc. The collector who we spoke with. Turned the account over to there fraud dept for further investigation. On XX/XX/22 XXXX XXXX XXXX placed a conference call to XXXX XXXX. The rep at XXXX XXXX advised me on the steps to file my dispute. I went down to the XXXX Police Department. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bus phone XXXX. Officer XXXX XXXX # XXXX filed a fraud Claim # XXXX. Officer XXXX XXXX # XXXX advised me. I can expect a written copy of my fraud claim. Within the next 7-10 business days.
|
| 04/26/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Ever since UAS Connect has switched over from previously being UAS echo I have had issues with my payments being processed. I have tried the autopay option with them and even though they withdraw the payment on their requested date, the payment doesn't " process '' until after the due date, even though payment was submitted and received prior to the due date. When I do this process manually, rather than through autopay, I am left with the same result. Whether submit my payment days in advance or day of, I am still charged a late fee and penalties. Also on XX/XX/XXXX of XXXX I submitted a request for a reduced payment plan and subsequently filled out all necessary forms and returned them to UAS. To this day they deny receiving that form event though I have the proof of it in my inbox. When I try to resolve these issues I am left on hold with no eventual response. They are stonewalling anybody who tries to get any answers or solve any issues. I have looked online and I am not the only individual having payment issues with this company. I do believe that they have malicious intent and do not stand to serve their customers. Any and all help is very much appreciated! Thank you.
|
| 01/06/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX 2016 I noticed a negative item on my credit report reported from TRANSWORLD SYS INCXXXX. It claimed to be for a debt to XXXX XXXX XXXX for {$340.00}. Prior to this I have not received any notice of this debt. I found XXXX numbers for XXXX XXXX XXXX by calling my local hospital and searching the web - XXXX have been disconnected ( XXXX and XXXX ) and the third was for another firm that had no record of an account under my name ( XXXX ). I then called Transworld, who indicated the debt was from XXXX 2016, but they had no information on what the bill was for, nor were they able to provide me with contact information for XXXX. They did indicate that they would contact XXXX to request the original bill and send it to me.
My complaint is that my credit score has been severely hurt by this small bill that I have no information about and that, even after filing a dispute and calling, ca n't seem to get any details about. I pay my bills on time and would be happy to pay this bill, except that neither XXXX nor Transworld can tell me to whom to pay the bill, or explain how I 've never received a single letter or invoice about this debt prior to it appearing on my credit report.
|
| 04/01/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
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.
|
| 03/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
HELLO, MY NAME IS MS.XXXX XXXX XXXX AND I WAS REFERRED TO YOUR OFFICE TODAY BY MY DEAR AND VERY GOOD FRIENDS FROM THE UNITED STATES SENATOR 'S OFFICE.MR.XXXX XXXX 'S OFFICE.THIS COMPANY CONSTANTLY KEEP HARRASSING ME AND THREATENING ME WITH A LAWSUIT AND THEY ARE INTENTIONALLY RUINING MY CREDIT.THESE MEDICAL BILLS WERE TAKEN OUT ON XX/XX/2016 IN XXXX XXXX.AND I MOVED TO XXXX , XXXX.IN XX/XX/2016 WHICH I'AM STILL LIVING IN XXXX XXXX.I HAVE TRIED TO TALK WITH THESE PEOPLE TO LET THEM KNOW THAT THIS IS NOT MY ACCOUNT I WASN'T LIVING IN XXXX IN XX/XX/2016 I WAS LIVING IN XXXX, XXXX.AND THEY REFUSE TO REMOVE IT FROM MY CREDIT REPORT NOW MY CREDIT IS DAMAGED SEVERELY BECAUSE IT.I'AM IN THE PROCESS OF TRYING TO PURCHASE MY FIRST NEW HOME AND CAR AND ALSO I'AM NOW A VICTIM IF THE XXXX DATA BREACH AS WELL.I'AM STUDYING TO BE A XXXX XXXX AND THIS IS DESTROYED MY CREDIBILITY.THE NAME OF THE COMPANY IS/TSI XXXX/ {$980.00} WHICH I DEFINITELY DON'T OWE THAT'S NOW IN COLLECTIONS THEIR ADDRESS AND PHONE NUMBER IS/XXXX XXXX, DELAWARE XXXX/XXXX.PLEASE HELP ME TO GET MY CREDIT SCORES UP SO I CAN PURCHASE MY DREAM HOME AND VEHICLE.THANKYOU AND GODBLESS YOU ALWAYS.SINCERELY, MS.XXXX XXXX.
|
| 12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, My name is XXXX XXXX XXXX. I had a medical bill that was overdue and went to a collection agency by the name of transworld systems. The total amount of the debt XXXX and I was able to negotiate the debt with an agent down to half which equated to XXXX. The debt was settled on XX/XX/19 and I received the following confirmation number:XXXX. Since XXXX, Transworld systems has kept calling me on a consistent basis and every time I speak to their agents, they confirm that my debt was paid and cant expalin why I am still receiving calls. I always have to re-explain my situation to every agent that calls me eventhough this debt was paid off nearly 5 months ago. It seems like this company is disorganized and their supervisors are completely uncooperative and unprofessional. I have had Transworld employees talk back to me and one supervisor even hung up on me. Today I was told by another supervisor by the name of XXXX that my debt is now back at the original amount which I dont understand because I already settled this debt back in XXXX and have proof of payment. I am tired of being misled and harassed by this company. Please contact me should you wish to discuss. Thank you.
|
| 01/02/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
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Student Loan : XXXX XXXX ( XXXX XXXX and XXXX ) My student loan was originally XXXX in 10 years it is now XXXX dollars. I was never made aware of the interest that it had accumulated throughout the years. They filed a garnishment against me 6 times and even garnished my bank account, while a payment was already settled in court. It has brought me to change jobs, financial difficulties, almost evicted, lights shut due to the garnishment in my bank account twice. They failed to get a hold of me even after I asked them if there is another student in records. They even attempted to take hold of property, which I do not even own. I was never aware of a lot of things when they attempted to garnished. I was never provided any documents as to why I owed such a large amount. Back in XX/XX/XXXX & XX/XX/XXXX I was served at home with documents to show up to court, but at that time I was in school. My student loan was made on XX/XX/XXXX & 2008. I was confused as to why I was served with an XXXX debt in XX/XX/XXXX & XX/XX/XXXX? Please help, this has caused me XXXX and stress.
My hopes are my case will be part of the action lawsuit that was issued against them on XX/XX/XXXX. Thank you
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| 02/23/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My name is XXXX XXXX and I am a living woman making this complaint without any influence from any third party or its agency. I was contacted by US mail from Nationwide Credit , Inc ( NCI ) on XXXX XXXX demanding payment for an alleged debt that is not owed and in active dispute/arbitration. I did not consent to a signed binding contract with NCI nor agreed to pay them. NCI having my personal identifying information was obtain by way of aggravated identity theft. NCI is violating my federally protected rights under FDCPA, FTC and the United States Code/Statue. I have reason to believed that NCI is engaging in unlawful extortionate means theft by deception by knowingly/willfully furnishing to me false and deceptive documents. I also have reason to believe that NCI is also in violations of the false claims act and is engaging in racketeering activity by attempting to collect on extension of credit by extortionate means. NCI contacting me in my private capacity without first validating if their claim is indeed true and accurate to demand payment from me has caused me severe mental and emotional distress. Please review my attached correspondence and documents addressed to NCI.
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| 04/04/2017 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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I took out a private student loan with a co-signer with NATIONAL COLLEGIATE STUDENT LOAN TRUST back in XX/XX/XXXX. Since then in XX/XX/XXXX I received summons for motion of judgement by default filed against me in XXXX County GA. The judgement was granted XX/XX/XXXX, even though I responded and contacted the company directly attempting to make payment arrangements. In XX/XX/XXXX the NATIONAL COLLEGIATE STUDENT LOAN TRUST went to XXXX County GA to file for garnishment with my employer and since then my wages have been held. I filed for a traverse which was temporary granted and now I 'm in need of getting the Judgement set aside due to fact the original Motion of judgement never included the co-signer nor The Plaintiff state the date the contract was breached or otherwise not complied with. Plaintiff also failed to mitigate damages by failing to take reasonable steps to reduce or minimize the damages experienced. The Plaintiff is seeking to recover more than entitled to recover in this case, and award of the judgment sought by the Plaintiff would unjustly enrich the Plaintiff. I am a single mother and this garnishment has created an extreme hardship upon me and my family.
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| 09/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a " Notice of Violation '' in XX/XX/2018 for allegedly running a red light in XXXX XXXX, Texas on XX/XX/2018. This notice indicated that I owed the " XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX '' a balance of {$75.00}. On XX/XX/2018, I sent a cease and desist letter to this corporation located in XXXX, Ohio. I formally notified them that non-compliance would result in my filing complaints with both the Federal Trade Commission and the Texas Attorney General 's Office. I sent this letter via Certified Mail, and I received a receipt from the corporation that they received my letter. I have copies of all correspondence and receipts.
On XX/XX/2018, I received a debt collection notice from TransWorld Systems , Inc. from XXXX, Ohio. This notice informed me that the account had been placed with them for collection, and the balance had increased to {$100.00}. I contacted the Consumer Financial Protection Bureau on XX/XX/18 and spoke to XXXX ( ID # XXXX ) to begin the formal complaint process, and I was referred to this website to continue my complaint. I plan to send an additional cease and desist letter via certified mail to TransWorld Systems , Inc. today.
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| 12/14/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I sent a letters to XXXX certified mail with return signature on XX/XX/XXXX and XX/XX/XXXX requesting that they validate the debt they claim I owe and a cease and desist if they are unable to validate the debt. XXXX has failed to provide : 1. Documents from your company bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from you.
3. The amount of claimed debt, a true bill ; 4. Explain and show me how you calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay what you claim I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove the Statute of Limitations has NOT expired on this account ; 8. Show me that you are licensed to collect in my state ; 9. Provide me with your license numbers and Registered Agent or Agent of service ; 10. If the claimed debt was sold please provide the accounting in accordance with XXXX XXXX XXXX if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. {$1000.00} XXXX now owe me {$1000.00} due to violating my rights.
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| 01/07/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This is a formal complaint against Transworld Systems ( TS ) for violating the conditions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the FDCPA requires every collector to send a written validation notice stating how much money is owed within five days after first contact. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. Although I noticed on my phone that I had been called by Transworld Systems ( but never talked to anyone ), this attempt to communicate serves as first contact. However, I did NOT at any time receive a written validation notice from TS within five days, as the FDCPA requires.
In addition, and although I questioned the validity of this debt from an ER doctor out of network for XXXX, I had made a significant payment as recently as XX/XX/2017 ( after my SS check was directly deposited ), which was before Transworld Systems became involved. Within the last several days, and being in violation of the FDCPA, TS wrongfully turned over this small debt ( {$130.00} ) to the credit agencies, creating unnecessary havoc where none should have occurred.
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| 09/22/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My loans went into default with the Department of Education. TransWorld began a garnishment on my checks. THis garnishment continued for 3 years until I set up a rehabilitation contract with them. For 6 months I was to pay an extra XXXX a month along with the garnishment of XXXX. Once these 6 months were over, they would stop the garnishments. XX/XX/XXXX should have been the final garnishment from my checks. However, the garnishments have continued. I have attempted to call the Department of Education but their automated system gives me the number to call TransWorld since my loans are in collections. I call TransWorld and get a recording that they are no longer running due to the federal govertnment filing a lawsuit against them. Not only did I complete my rehabilitation promise, I have also consolidated all my student loans with XXXX. My first payment with XXXX is due this month but I am unable to pay it because my check is still being garnished. I have done what I need to do to no avail. Where is this money from my check going? I have all my loans in one place and the payment did not go there. How do I get this stopped and get my money put on my real student loans?
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| 07/27/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.
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| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXXdollar Perkins loan in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report.
I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX dollar Perkins loan that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities.
I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.
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| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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On XX/XX/XXXX, a disputed apartment rental account for {$740.00} was resolved in my favor as the apartment management company could not prove that the amount they stated I owed for carpet repair was true and correct. I was also charged a rental late fee at time of move out. This was a final payment, not a regular rent payment which I had to mail and did so the last day that the apartment was in my name in XX/XX/XXXX. I moved out XXXX XX/XX/XXXX and they acknowledged receiving payment on XXXX XX/XX/XXXX. I had to mail this payment as I am military member and was on PCS orders at that time and was not in the local area. I eventually paid the {$95.00} balance on account to avoid affecting my security clearance although I still dispute that amount as well. My credit report and rental record still erroneously reflect the full balance of the {$740.00} as a collection account. The account balance is wrong and I paid what was owed which was {$95.00}. Transworld needs to update the original amount owed on my credit report to {$95.00} as that what was actually owed. The {$740.00} original balance was erroneous, wrong, and incorrect as it was disputed and acknowledged as such.
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| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Transworld Systems is trying to collect a debt sold to them by XXXX XXXX for {$200.00}.
In 2020, I had an electricity contract with XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX XXXX can not provide an accurate record of amounts owed and paid.
Transworld Systems provided invoice XXXX from XXXX XXXX XXXX for {$500.00} as evidence of a claimed {$200.00} debit for XXXX XXXX.
Transworld Systems has not provided any evidence I owe {$200.00} to XXXX XXXX. An invoice from XXXX XXXX XXXX for {$500.00} is NOT evidence of a debt to XXXX XXXX.
Please require Transworld Systems to show this is a valid debt. They are damaging my credit by claiming I owe something they cant prove I owe.
My wife is XXXX due to XXXX XXXX and we have XXXX children. I need clean credit to support my family. Id pay these extortionists off but they refuse to remove this from my credit report in return for payment.
Please help me get some justice by making Transworld Systems follow the law!
PS I filed a complaint # XXXX with the Pubic Utility Commission of Texas to get XXXX XXXX XXXX to provide an accurate record of amounts owed and paid. I pay my debts but demand they are accurate and correct.
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| 07/25/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Servicemember |
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I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since XXXX ( XXXX XXXX XXXX /XXXX/XXXX XXXX ) do business on XXXX XXXX around the world by XXXX XXXX they claim that unpaid debt to the XXXX XXXX Credit Card is secured by the Treasury Offset Program. TOP allows any unpaid debt to be paid from Federal Tax Refunds.
I attempted to contact TSI by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security XXXX was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by TSI and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.
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| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2022 I noticed fraudulent accounts on my credit report, I filled a FTC report along with a CFPB compliant regarding the fraudulent accounts .The particular account that I am filing a complaint on today is Transworld systems. The fraudulent account appeared on my XXXX account before XX/XX/2022. The account has been removed from my XXXX account .On XX/XX/2022 the account is now appearing on my XXXX account .Because of this fraudulent degatory account my rights as a consumer has been violated .15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.Transworld systems has been notified of this fraudulent account and continue to violate my rights by reporting false and misleading information on my credit report.
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| 05/16/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
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We have student loans that we have been paying monthly on. The money was borrowed in the XXXX. We had a car accident that XXXX us XXXX and was taken off of work and school, not being able to finish or go back to work. Regardless we had been paying back our debt even though we are at the poverty level now in income and XXXX XXXX XXXX. We were nothing but harassed by XXXX, Transworld and now another company XXXX to repay. The past couple of months have been difficult due to the circumstances. We are XXXX and a military family. We received this in the mail from another collection agency- XXXX after paying XXXX and Transworld and them cashing the monthly checks from us when there is a cease communication order from us on this debt. We want them to leave us alone so we can repay in peace. Also, the loans went through XXXX XXXX XXXX. They no longer show on the credit report but they still cash the checks. We inquired if the massive lawsuit involved our loans but we never got a response. We would like to be left alone and also notified at our mailing address if we are entitled under that lawsuit that was settled. Also, quit harassing us and let us pay our debt in peace.
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| 10/30/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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I received a bill from the IRS stating I owed them money that was reported by the XXXX XXXX XXXX XXXX XXXX XXXX for a cancellation of Debt for 2015. Several years prior to this XXXX XXXX XXXX, XXXX had contacted me and made a settlement agreement speaking for XXXX XXXX XXXX XXXX for a private student loan amount that had not been paid on. I made a payment plan with them to pay off the amount. At the end of the pay off I asked what further more needed to be done. I was told nothing that the payments had been met and nothing furthermore needed to be done. I never received a XXXX to give to my account to add to the end of the tax year 2015 for the amount of {$7100.00}. I have tried to find a number to reach out to XXXX XXXX XXXX XXXX XXXX XXXX and have no luck at finding a contact number. Had I have received this XXXX I would have taken care of this 2 years ago before it got to this point. I 'm just not sure where to go from here. I have already contacted the IRS to have them I am researching this and need more time before I pay the {$1800.00} they say I owe because of the new reported increase in my income from the cancellation of debt XXXX XXXX XXXX XXXX says I owe.
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| 02/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My name is XXXX XXXX. Im relatively young and was montering my credit report. Everything was fine and my score was steadily going up. I did notice that i had one negative account that was in collections for a XXXX dollars. I havent recived any correspondence or phone calls for that matter. I found out by checking my credit report which is a shame especially when Im young and Im trying to establish good credit. contacted the debt collecting agency gave them {$40.00} and tell them to set up a payment arrangement they said they would and then that was it but it still showing that I missed a payment is showing that I have a derogatory public record now this kind of XXXX is why people get so upset when people try so hard you can see on my other accounts are just fine paid on time and now Im going to have an uphill battle to try to get my credit score back up and I dont even know if its legitimate because I had two health insurance at the time so did they even bill the health insurances also XXXX always collects copays or any other money upfront that insurance wont cover! Why because there for profit! and not very Efficient professional and will never go to them again
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| 05/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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On XX/XX/XXXX I paid XXXX XXXX for 2 accounts in the amounts of {$100.00} and {$23.00} that was placed for collection with Transworld System. I contacted Transworld system on XX/XX/XXXX to verify that they have received information that the account was paid in full. XXXX stated that their system had not been updated but she would send a message to XXXX XXXX to verify the account. On XX/XX/XXXX I contacted TransWorld System again and they said they still have not received verification from XXXX XXXX. I then contacted XXXX XXXX and they said they have indeed updated them and would send the information to them again to remove the account. XXXX XXXX then sent me proof of payment. On XX/XX/XXXX I again contacted Transworld System because the account is still reporting unpaid in my credit report. They again say they have not received information from the client that the account has been paid. On XX/XX/XXXX I called XXXX XXXX and again they said they have sent them the information. The representative place me on hold and sent the information again for a third time. Transworld System has been reported inaccurate information to the credit reporting agencies for 3 months.
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| 04/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
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My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie.
I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.
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| 01/23/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XX/XX/year> I was charged exorbitant international fees totaling over {$10000.00} on account # XXXX to a phone line assigned to a XXXX I am uncertain if these charges were incurred by the XXXX that was assigned to that account, but clear that I did not authorize such substantial fees.
I find it disconcerting that, unlike other consumer focused companies, XXXX does not suspend services or seek verbal consent from the account holder before charging excessive fees. This lack of precautionary measures places an undue burden on consumers.
I also was proactive and contacted a XXXX representative before embarking on a cruise clearly outlining my destination, XXXX. I was assured that no extra protection was necessary to avoid charges as international fees would not be incurred in XXXX. Regrettably, this information was inaccurate, and the resulting fees have now been added to my credit report. This has led to the denial of access to credit and is impeding my ability to make necessary life changes.
I request an immediate investigation into this matter, the removal of the unjust charges, and rectification of the impact on my credit report.
Sincerely, XXXX XXXX
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| 01/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Our mother died, who lived at the address where services were bundled : internet, phone and TV were provided from XXXX XXXX. She died XX/XX/XXXX. My name was on the account as she was XXXX. I kept the service till XXXX of XXXX, as our brother XXXX brother still lived at the home and we were resolving their affairs. I attempted to close XXXX XXXX services over phone and then online the amount in question. I have the proof of the paid debt through bank and billing - statements that they were paid. I was assured that they would pro-rated and returned their equipment, XXXX, XXXX. I also went to XXXX XXXX XXXX, who also called XXXX XXXX on my behalf. But over the years they have kept changing my billings to different debt collectors. I am being billed {$350.00}. and now it is through a collection agency, TSI. I also have the correspondence from XXXX XXXX, where they credited me with a minus - {$110.00}, and no action required, sorry to lose you as a customer XXXX have several letters of correspondence to XXXX XXXX and their collectors, yet nothing has helped.I am XXXX XXXX XXXX and I feel this is a financial harrassment As I have tried to show that the debt was paid
|
| 12/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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Transworld Systems Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office Hours : Monday through Thursday XXXX to XXXX XXXX, Friday XXXX to XXXX EDT, Saturday XXXX to XXXX EDT Our Account # : XXXX Creditor : VIEW AT XXXX Creditor 's Account # : XXXX XXXX telephoned, I explained I have a cancelled check for the move out fees they are attempting to collect. I was told no you dont. I asked for proof of debt, they said they were looking at the proof, I needed to pay it now or it would be placed on my credit bureau. I immediately disputed the debt and asked them to cease communication until I receive proof of debt, by mail. I insisted on only written correspondence. The TSI rep. hung up. I have since received numerous calls and hang ups from their virtual agent when I refused to hold for the next agent. I am now getting email correspondence that I have never consented too. I have contacted the landlord and confirmed I have no balance. I also have the specific canceled check. I am not willing to be bullied by this group of illiterate animals. In reviewing my options against this organization, I have discovered that they have violated my mini XXXX rights.
|
| 05/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
It was XX/XX/2017 when I was rushed to the ER at XXXX Hospital. Few months after, I received a billing statements for the collection of payment with the amount of {$760.00}. I asked for financial assistance from the said hospital ( XXXX ) due to lack of income and school finances. Few months after, they sent me a mail saying that they XXXX my balance. Which means I do not owe the Hospital a payment no more. The good thing is, the problem has been solved. On the other hand, I lost the mail that the Hospital sent me which they confirmed that my balance has been XXXX.
Thus, third-party companies such as XXXX XXXX , XXXX., XXXX XXXX XXXX., etc keep on sending me a mail which indicates on the letter that This is an attempt to collect a debt. with the same amount of balance of ( {$760.00} ). First, I am wondering, why different companies are trying to collect this amount of balance. Second, I do believe that it is inappropriate to indicate on a letter the sentence ( s ) If you have an income tax refund, perhaps you can use the proceeds to pay this account. It is disrespectful and ridiculous. It sounds very desperate. These are the things that need to be cleared.
|
| 10/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have tried numerous times to make offers to pay off my credit card debt with XXXX and TSI. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}.
They told me today I owe $ XXXX which simply isn't true.
When I left service the card was left at {$7000.00}.
I have made payments for almost 5 years totaling over {$4000.00}.
Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of XXXX and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I literally have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this? TSI is trying to make this as difficult as humanly possible and I'm trying my hardest here to be polite but I am losing my patience.
|
| 05/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a few collections on my credit report and after I looked into them, to find out what they were about, ( XXXX XXXX ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor ( XXXX XXXX ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around XXXX XXXX ). I called the collection agency ( Transworld Systems ) and told then what I was told by XXXX XXXX billing dept and they sad " sure if they ( XXXX ) agreed to remove it we can ''. On XXXX XXXX I paid Transworld for both of the collections ( One for {$70.00} and the other for {$230.00 } ). I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from XXXX the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
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| 06/13/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Last Year around XXXX, I received a letter from XXXX XXXX XXXX regarding a student loan- I sent a debt validation letter to them and they sent me a contract but my signature was not on ANY of the documentation, the original lender was listed as XXXX XXXXXXXX XXXX XXXX XXXX . I called them to get more information but they refused and referred me back to the collection agency I disputed ted XXXX through the XXXX and this was removed from my credit report. This time I notice the Original creditor changed to XXXX XXXX XXXX which is now XXXX. I called XXXX while this was still in dispute and they had no record of any student loan from XXXX. XXXX XXXX send this to another Agency in XXXX of XXXX and I repeated the process and again it was removed again. I didn't hear anything from XXXX but received yet another letter in dated XX/XX/XXXX from XXXX XXXX XXXX regarding the same loan. i am exhausted this is affecting my credit an me completing my XXXX. This account is from XXXX!!!!! and it has not even been proven to be mine - How can they just keep sending it to different collection agencies and reporting like it's from XXXX. How can I protect myself and my credit?
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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On XX/XX/2018 we contacted XXXX 's XXXX about a past due bill. They directed us to Transworld System. We called and asked what was the amount we needed to pay to pay this account in full. We were told to pay {$660.00} to pay this account in full, that they could waive a {$100.00} off. We gave our credit card info and paid the amount. Not more than 10 minutes later, the representative called us back and stated that she did not have the authority to waive the {$100.00} and our account was NOT paid in full and we needed to pay it. I asked to speak to a supervisor and was put in touch with XXXX XXXX collections supervisor. I stated that I thought it was illegal to tell us the account was paid in full and then to call back and demand more money. When I threatened to file a complaint she said that the money would be waived. Now I find that she did not waive the XXXX and that our credit bureau account reflects that we failed to pay in full. When I called on XX/XX/XXXX looking for the letter that was promised, I was told the account was paid in full and the letter was on it's way. Today, I checked our credit and find that they lied and we still owe the {$100.00}!
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| 06/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have sent a payment in as I always do. I have been using the XXXX XXXX for years. I do not know why my bill was sent to collections ( that is what I asked them ) When I am sending payments. It went to collections without notice to me. Again I just made a recent payment on this account I have NEVER not paid a bill at XXXX XXXX XXXX as I said I use them often. When I called Transworld they acted like they did n't even know what they were doing. The guy kept asking me for a 5 year old address??????? After 20 min. on the phone he then told me he could n't take any payments I do n't know if this company is legit??? I did call XXXX XXXX as well and they told me they do use Transworld but the call to the m was very fishy?? Just a confusing experience. My bal. is XXXX . I usually get a settlement offer caus e I p ay cash. I made a payment of XXXX when I received the first bill. I usually get another bill and I always summit another payment. This time it went Straight to collections after the first payment?????? The first bill was on XXXX / XXXX / 2017 . The guy I spoke with at Transworld was very weird. Thank yo u for your service!
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| 08/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not owe this office ANY money for anything at all. They have billed my insurance for a sleep study that did not occur, and they are trying to get me to pay this frivolous bill. They have sent it multiple times saying it's for not showing up for a sleep study - but 1 ) sleep study was never conducted, and 2 ) they were aware I was not going to be fit to participate in the sleep study.
I've called them, and they have me leave messages, which are never returned, and then when I have talked to someone in the office, she said the {$250.00} should be dropped - and should never have been charged - but she did not have authorisation to remove charges ( only to add new ones ). When I tried to take care of this and resolve it in person, while in their office, and asked to speak with the office manager, she said it was not up to her. Basically, I was getting the run-around while in person.
Then, they would call, and send a LOT of mail trying to bully me - threatening to sue (? ) while all along I kept telling them that I don't owe them anything for what they're claiming, and don't understand why I can't get through to them.
I do not owe this office a cent.
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi, I have a rental reservation on XX/XX/2021 at XXXX XXXX. When I arrive at the rental location, there is a huge line waiting for my reserved car, which took me about 2 and half hours to get my car. When it is my turn, the representative told me they do not have a similar level rental car that I reserved, and asked me to wait about an hour to get a car I reserved at XXXX XXXX, which is not reasonable.
After my complaint, the representative agrees to give me another car to drive. The car is noisy and shaking when I was driving, which made me really uncomfortable and felt unsafe to drive the car, so I had to return to the rental location just after XXXX and half hours.
After I returned my car, I noticed my return rental agreement had a charge of {$83.00} showing it is for a vehicle upgrade. I do not get any information before I have to pay this fee, and I do not agree it is my responsibility to upgrade the car because of the insufficient stocked car at the location. I contact XXXX several times and wish XXXX could solve this problem for me, but they never respond to my message.
I do not believe I should be charged for this bill amount.
Thank you.
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| 09/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I'm purple XXXX XXXX Veteran and on daily anxiety medication so when I bought my home people constantly came offering products. One man came and I signed for home security because I needed to have protection and the same man came talking about panels I didn't understand completely I signed again it was mistake. The company came out and put solar rods on my roof and left panels against my home for weeks and I told them I'm not accepting this service it was wrong and the way they did my new home was unacceptable. They think they can force me to have solar panels and refuse to take me to court because they know I'm XXXX and on fixed government income so they're trying to do debt collection which I can't be garnished anyway. They refuse to remove the rods off my roof and they have been there over a year on my new home and the damage is more then what they think I will pay to have them removed so it's been a stressful problem and the XXXX has been on me about this so XXXX XXXX will not receive any payment because I was scammed into signing something because the man knew how I lived and took advantage of my XXXX to get me to sign something besides security.
|
| 10/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Older American, Servicemember |
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Update to my complaint, I was notified that my XXXX could be garnished and was threatened to be. I got a loan and paid off XXXX XXXX for XXXX. I called credit bureaus to notify of illegal debt collection and Law Suit 2016, XXXX XXXX XXXX California XXXX. I was also told by a member of the XXXX XXXX XXXX there a was a lot of information that should have dropped off my credit report, still showing. I also stated to all 3, credit reporting agencies that I was never given a proper subpoena to appear in any court, They sent judgements to my old address 's and failed to contact me VIA e-mail that I have had for at least 30, years to notify me. Again keeping within what DOJ, Ca cited, they served judgements in states where the debtor was not able or given proper legal opportunity to appear. In Violation of Due Process and the 5th amendment in accordance with the OIG U.S. Treasury. They chose to act above the law, for which they again were found of guilty of in 2016. To the best of my knowledge, TSI was collection agency on behalf of USA Distributors in association with XXXX. That I am not sure is or is not the case, I am not able to confirm but hope you can.
|
| 02/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received an alert from my XXXX XXXX app about a medical bill in collections ( date of service XX/XX/XXXX ) with XXXX XXXX XXXX MD account : XXXX.
I contacted my insurance ( XXXX XXXX XXXX ) because I know I was covered on the date of service. XXXX explained to me because XXXX XXXX XXXX wasnt my PCP it wasnt paid.
I initiated a dispute with the respective credit bureaus and the debt collector. I also contacted XXXX.
On XX/XX/XXXX I received a call from XXXX with XXXX asking me to grant permission to Transworld so they can further discuss my dispute. XXXX also alerted me that it is a NJ state law that I should not be billed due to the coverage plan I was under.
I granted permission for the two parties to speak. XXXX spoke with Ms.XXXX from Transworld explaining to her I was covered by Horizon, I shouldnt be billed as per NJ state law. Ms.XXXX stated she would update the file and adjust it accordingly. I still havent reached a resolution and today is XX/XX/XXXX.
Debt Collector : Transworld Systems INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Doctor Office/Creditor : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld System Inc. for committing identity theft. I have never given Transworld System Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld System Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld System Inc. continues its collection efforts, I will file for litigation for actual damages caused and Transworld System Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 03/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
On XX/XX/2019 I received a call from my employer of the HR department. During this call they informed me that they had received a notice to garnish my wages for a past debt. Along with the notice I was emailed a copy of the garnishment order. Within the request it stated I was informed of the possible garnishment and that they were sending a federal order to garnish. What I have a complaint on is the garnishment is not a result of a default judgement nor is it legal. The company responsible for this practice is Transworld Systems INC. After reading I gave them a call expecting to speak with a government official but was informed they are not the government. I then asked how to obtain a federal income tax garnishment. I was then told they could not help me nor could they protect me from a tax garnishment. From there I contacted XXXX to get some feedback. Upon contact I was told my account went to collections and to contact Transworld Systems INC. Here is where Im in complete awe. How does a debt collector send a federal order to garnish wages if it does not meet the criteria. Please help shed some light so my concerns may have some answers. Thank you.
|
| 06/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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They are reporting an unvalidated debt on my credit report and I sent them a letter on XX/XX/XXXX requesting validation of this debt. They have not sent me anything to meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.
I have requested the following -- all of which they have refused to supply : " What the money you say I owed is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : '' They responded to me on XX/XX/XXXX saying to contact the credit bureaus which I have several times and they tell me it's verified but will not supply proof of this verification. They tell me to contact the company and then the company tells me to contact the credit bureaus -- we are just going in circles at this point and yet no one has supplied me any validation of this debt.
|
| 04/12/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I opened a credit card with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX I was separated from service with the XXXX with a debt I could not pay and I remained unemployed until XX/XX/XXXX. The debt was sold to Transworld Systems Inc. in XX/XX/XXXX-XX/XX/XXXX while simultaneously Treasury Offset was initiated by XXXX. Recently ( XX/XX/XXXX ) I received a letter from Transworld Systems Inc ( TSI ) telling me that the balance that I owe was several thousand over the initial debt and that TSI was attempting to garnish my wages. I contacted XXXX to provide me with the initial debt amount, I was told by a representative that they did not have that information. XXXX has collected my tax returns since XX/XX/XXXX leaving me with nothing and has allowed TSI to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted TSI for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because XXXX is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
|
| 07/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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+++++ ATTENTION XXXX XXXX +++++ XX/XX/2022 at XXXX I received a call from XXXX XXXX. I asked if she was a debt collector and she refused to state if she was a debt collector. XXXX would only state she was a third party representative for Trans World. XXXX was calling me at a inconvenient time while i was working. XXXX used used of obscene or profane language while asking questions that made very uncomfortable and caused me a great deal of XXXX XX/XX/2022 around XXXX I received another call from XXXX XXXX XXXX I told her not to call me asking for money that I do not owe her or the company she works for because I am not in contract with her company. I told XXXX XXXX she caused me a great deal of XXXX from her previous call on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX then transferred my call over to her supervisor XXXX XXXX. I told XXXX to place me on the do not call list. I then asked for the name of the CEO of the company she works for. After XXXX provided the name of the CEO ( XXXX XXXX ) I asked XXXX if she was familiar with Familiar with the Fair Debt Collections Practices. XXXX XXXX said " yes I am ''
|
| 06/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The agency handling this alleged debt has repeatedly failed to provide a response to my letters of dispute and request for verification. Places the item and then removes it from my credit report and then re-ages the collection and places it back on as though it is new. I have received 3 debt collection letters regarding this alleged debt. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They were responded to via certified mail with return receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( I have saved copies of all correspondence however I'm not attaching here, however I will make them available upon request ). Additionally the agency removed the old collection account I had disputed repeatedly since XXXX from my credit report and placed it back on my report with an open date of XX/XX/XXXX. This is the 3rd time that they have removed and placed the alleged debt back on my credit report with an updated date. I'm currently in the process of closing on a mortgage and this has caused complications on that front. I am hiring an attorney to seek statutory and actual damages if this does not get resolved immediately but I felt that it should be reported to you as well.
|
| 04/10/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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XXXX XXXX XXXX is calling me everyday about my student loan debt and harassing my wife as well everyday, when we have a high risk baby at home who needs 24 hour care and sleep. They are demanding I have to pay or my wife pay whom is a stay at home mother and takes care of our children and her sick grandmother. They yell with a threat to pay the total amount of 75,000+ dollars for private student loan debt. They are not my loan owner lender originator nothing and will not work with me just like XXXX would not work with me when I only make XXXX a year with a family of XXXX and 3 dogs. How in the world does their math equate me making any type of payment. And they keep calling me everyday telling me to make the full total payment like my financial situation changed and I just won the lotto jackpot overnight. I told them stop calling my wife, she has enough to deal with already and she did not create this debt. If you have a solution on how we can work something out I all ears but this is just ignorance on you and your company to call everyday making demands of total payment when I get paid today the same as yesterday and its enough to feed my family.
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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TRANSWORLD SYSTEM is in Violation of 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
This company was deceptive by sending me past due bills, late fees, etc. and reported late payments to my credit report which is another violation when they were aware that the debt was paid from the first day I did business with this company which is once again fraud. Collecting on debt that has been by law is fraud.
|
| 05/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for TRANSWORLD SYSTEMS lic ense. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. TRANSWORLD SYSTEMS do es not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTI CES ACT 62-20-105 stat es no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. TRANSWORLD SYSTEMS is i n direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
|
| 02/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Collection Opened : XX/XX/2021 ; Alleged Debt Collector : TRANSWORLD SYS INC/51 ; Account # : XXXX ; Alleged Debt Amount : {$1100.00} ; XXXX, XXXX and XXXX hav All Violated my Federal Protected Consumer Rights ; I have Proof of a Medical Violation they reported on my Consumer Credit Report ; XXXX, XXXX and XXXX are currently in violation of 15 USC 1681 ( 3 ) - Restriction on sharing of medical information and 15 USC 1681b ( 4 ) - Limitation on redisclosure of medical information. I have written to them several times since XX/XX/2021 and they are still reporting this Medical Violation on my Consumer Credit Report. I have requested several times through written and verbal instructions to remove this alleged debt collector from my consumer credit report as the alleged debt collector also obtained my personal information illegally which is also considered Identity Theft outlined specifically in 15 USC 1681a ( 3 ) Identity Theft. It has been over ( 45 ) days, where I am demanding XXXX, XXXX and XXXX to delete & remove this alleged debt collector/collection immediately from my consumer credit report as I have never signed any agreement and/or contract
|
| 12/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have attempted to contact XXXX by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XXXX/XXXX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but XXXX has not removed these collections from my credit report yet. XXXX keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by Transworld Systems Inc, either, which leads me to believe this is fraud. These collections need to be removed from my credit report from XXXX, just like they were removed by XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$66.00} {$66.00}
|
| 05/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
XXXX XXXX XXXX, XXXX VA have claimed for medical services but they provided lab services and sent bill to wrong insurance company which is the parent company of XXXX XXXX XXXX XXXX XXXX. The insurance company paid lab portion of the bill but not medical services. I have asked the XXXX rep about it. They told me to provide my Insurance ID and Copy of my Driver license once again and they will correct it and I did.
Two bills one for me and for my wife {$89.00} each for medical service but we both went to get the lab work done which is covered by our insurance. Our primary doctor covers all medical services and our insurance pays 100 %. XXXX XXXX told us they participate with our insurance and the bill will be covered. XXXX XXXX XXXX never called or send us the final bill showing if insurance didn't pay after their submittal or what portion of the bill is paid by insurance. Instead they have sent it to collection agency. This is totally unexpected behavior from a reputable company like XXXX. If we owe or didn't call them than they could take action as needed. They ignored to inform us or made any attempt after my submittal of requested documents.
|
| 09/08/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
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Received a private student loan from XXXX XXXX Bank in XXXX 2006 for {$29000.00} to attend XXXX school XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, LA. The loan was promoted to me through email and the lender did not go through the school. I received a summons from XXXX Alabama XXXX XXXX Court XXXX, 2014 stating I was being sued by National Collegiate XXXX XXXX Trust claiming I owed them {$60000.00}. I challenged the claim in court representing myself. I argued that they had no proof they owned or was assigned the loan. They submitted bogus business documents and produced a witness in court from XXXX XXXX XXXX claiming they were authentic. They never produced any authentic documents that proved they were issued the loan or bought it. The judge ruled in their favor a judgment against me for approximately {$49000.00}. I ca n't afford an attorney as I have been quoted {$4000.00} and up to help defend me. Also, since National Collegiate has numerous debt collectors, XXXX of their collectors have been reporting the same debt on my credit history and has made it appear that I owe XXXX separate debts and has severely limited my ability to borrow money.
|
| 05/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed this utility debt through the credit reporting agency a couple of times. Which, they removed it from my credit report. However, the collection agency continues to reopen up the debt, ( which has already been paid directly to the service provider XXXX XXXX XXXX ).
I do have current service through the service provider and have had service at the same residence since XX/XX/XXXX. When I had service turn on at that time, XXXX XXXX XXXX put me on a payment plan which has been paid in full over the course of a year.
The collection agency is also reporting it as a " Loan '' to the credit bureaus. And causing my credit score to decrease. I refuse to pay this debt again.
Also, the collection date started in XXXX, not in XXXX. Which they are reporting.
The collection agency is : And this is what they a falsely reporting ' TRANSWORLD SYSTEM INC/ Original creditor : XXXX XXXX XXXX XXXX XXXXAccount Info Hover over labels for more details Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$350.00} {$350.00} 0 % paid off Contact XXXX XXXX XXXX XXXX XXXX XXXX PAXXXX ( XXXX ) XXXX
|
| 04/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
IN REGARDS TO : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I REQUESTED THAT THE COMPANY DO A DEBT VERIFICATION AND VALIDATION AFTER I SEEN THIS REPORTING ON MY CREDIT FILE. I NOYFIED THE COMPANY THROUGH LETTER CERITFIED ON XXXX XXXX RECEVIED BY AGENT XXXX XXXX.I EXPRESSED IN THE DEBT VALIDATION LETTER AND DEBT VERIFICATION THAT I AM VICTIM OF IDENTITY THEFT AND THIS ACCOUNT THAT THEIR CONTINUING TO TRY TO COLLECT ON IS CLEARLY NOT MINES, AND CEASE AND DESIST REPORTING IT TO THE CREDIT BUREAUS.
MY REQUEST AND DOCUMENTATION OF THE ADDRESS THEY ARE REPORTING WITH THE ACCOUNT I HAVE NEVER LIVED AT WHICH MAKES NO SENSE I'VE HAD SEVERAL ITEMS IM FIGHTING ALONG WITH THEM FROM THIS SAME ADDRESS. IT HAS CLEARLY GONE UPON DEAF EARS. TRANSWORLD SYSYTEMS HAS YET TO PROVIDE ME WITH A ORIGINAL CONTRACT OF SOME SORT THAT HAS MY ORIGINAL SIGNATURE AND DO NOT PROVIDE ME WITH A BOLIER POINT BILLING STATEMENT OF CHARGES. ONCE AGAIN I'M SO UPSET ABOUT THIS AND IT'S APPARENT THAT WHEN YOU ARE A TRUE VICTIM OF IDENTITY THEFT AND YOUR IDENTITY HAS BEEN STOLEN NO ONE SEEMS TO CARE. THESE THEIVES WILL GO AS FAR AS TO PAY THE BILLS TO LIVE AS YOU.
|
| 04/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received 11 calls in the past 3 weeks from XXXX number. They ask for someone I do n't know ( XXXX XXXX? ) ; I assume she had this number before I did. I have told them they have the wrong number, I do n't know her, and please stop calling me. I have told them this at least three times, and they have agreed to stop calling. ( The other times I have not answered my phone. ) But then they call again. And again. Today when they called, I spoke with a man who told me he had no record of my asking to be removed or that it was a wrong number, so apparently they have just ignored my requests. I told him I was going to report his company because I 'm tired of the frequent calls. He gave me the name of the company, Transworld, but refused to give me any other information. He said since I was n't the lady he was calling, he could n't tell me anything else, not an address, not whether or not they were a debt collection agency. I found out by searching online that they are a debt collection agency. I do n't owe any debts to anyone. I do n't know the lady they 're calling. It seems like they would stop calling me if I 'm not who they 're looking for.
|
| 10/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call from XXXX with TSI on XX/XX/XXXX @ XXXX calling to collect debt of {$600.00} as of XX/XX/XXXX. Said debt was with XXXX XXXX. I have never done business with XXXX XXXX and was told to call XXXX. He would not provide me an account number or service address and said I could obtain that from XXXX XXXX.
I called XXXX XXXX and they can not pull up an account by name. They need the service address or an account number or SSN or telephone number or driver 's license number.
I moved out of state XX/XX/XXXX and no longer have my TXDL, they could not pull up an account by my SSN or phone.
I received a call today XX/XX/XXXX from XXXX with TSI at XXXX threatening me that if I did not pay it was going to go against my credit. I advised what XXXX XXXX said and he said he could not give me the service address as this is sensitive information. He provided to me an account number.
I called XXXX XXXX and they said that is not a valid account number and that the collection agency should be providing the service address.
She could not locate an account under my SSN or phone number and advise I reach out to www.ftc.gov to file a complaint.
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My debt to XXXX XXXX XXXX was sent to a 3rd party collection company in XXXX. My balance once sent to collections was a little over {$1800.00}. I made payments of {$75.00} directly to XXXX & XXXX on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I returned the rental instrument ( sax ) on XXXX/XXXX/XXXX to the XXXX & XXXX store, which should have credited at least another {$800.00}. I then made additional payments directly to the 3rd party collection agency ( Transworld Systems ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$75.00} each time. I have spoken with XXXX & XXXX and they told me that I need to speak to Transworld Systems and that there was nothing that they could do. They confirmed that any payments that they received from me were sent directly to Transworld. I called Transworld Systems and they had no knowledge of any payments made to XXXX XXXX XXXX, or of the instrument being returned. They told me that they would look into it and update my balance. I disputed my credit report twice and the balance still shows the original amount.
|
| 11/06/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you
|
| 12/05/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
This XXXX collection account was the subject of previous CFPB complaint # XXXX. The collection agency XXXX XXXX claimed they did not receive my dispute letter and that they had sent the account back to XXXX.
XXXX subsequently placed the account with a new collection agency, Transworld Systems of XXXX XXXX, PA, which is the subject of this complaint. I sent a request by certified mail disputing the amount and requesting a detailed accounting of the amount XXXX claims I owe. Transworld Systems signed the certified mail request card ( a copy of which is attached ), indicating they received my dispute letter, but they have never responded to me. The XXXX account remains on my credit report. This is an infraction of the FCRA.
I switched from XXXX to XXXX XXXX XXXX on XX/XX/2023, and XXXX acknowledged the transfer by text message on the same date ( copy attached ). I subsequently received notification from XXXX that they claimed to provide service through XX/XX/XXXX and were billing me an additional {$120.00}. I have had XXXX XXXX XXXX service since XX/XX/2023, which XXXX acknowledged. XXXX has never provided me with a copy of the final bill.
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX Transworld Systems INC reported the below listed fraudulent account on my credit reports. I was never notified of my right to dispute this account which is a violation of 15 USC 1692g ( a ), by reporting this false information on my credit reports you have violate 15 USC 1692e ( 8 ). I filed a complaint through the CFPB in reference to this debt on XX/XX/XXXX and attached an FTC report. 15 USC 1681c-2 ( a ) states that you shall block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft NO LATER than 4 business days after the receipt of that notification. I have also attached the police report filed in XXXX of XXXX when this account was initially reported. If this information is not blocked from my credit reports by tomorrow, I will be filling suit against Transworld Systems INC for violations of the FDCPA & FCRA. You are the entity who reported this fraudulent information & you have the ability to IMMEDIATELY remove it.
This is my last notice before filing suit. The police report is attached. Youve been notified several times that this alleged debt is fraudulent.
|
| 04/10/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I lived at XXXX at XXXX XXXX in XXXX, XXXX from XXXX. Once I moved out in XXXX, I received a notice that I owed {$44.00} for damage to the apartment and I would not be getting any portion of my deposit back due to {$75.00} worth of damage. I called XXXX XXXX with XXXX ( the management company ) and advised there was no damage in that apartment while I was living there and I asked if he had photos. I have an email from XXXX XXXX on XX/XX/XXXX with a photo of a portion of the blinds with a timestamp of XX/XX/XXXX. 2 years before I moved into the apartment!!! I have talked to their debt collection company, Transworld Systems 4 different times to dispute this debt but they keep saying the debt has been validated. The only validation is a letter I received with a copy of my lease. The lease proves my point that I did not move into that apartment until XXXX, yet the photo I was sent was from XXXX. Apparently a second validation was mailed out on XXXX but I already received a call today ( XX/XX/XXXX ) trying to collect the money from me! I haven't even received a letter yet. This is wrong and the collection account needs to be closed immediately.
|
| 11/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr XXXX ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.
|
| 08/14/2015 |
Yes |
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
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
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
I was seen at XXXX XXXX XXXX in 2020 I have a deductible that is due when I see providers before i am pulled to the back with the doctor I was under the impression that the bill was paid for and I was good to go because they allowed me to see the doctor once my visit was complete I checked out and went home just about a month ago i received a letter stating i owe a balance not that it is going to collections so I explained to the agent i have been affected by the pandemic and could not pay anything at the current moment because i was laid off at my company due to the pandemic of covid-19 they basically stated ok and I never heard anything else going forward on XX/XX/2020 I receive a notification my credit report that a debt had been added to my file by transworld systems for the same exact amount I reached out to see why this was done and that was when they informed me of the debt they pretty much told me that they cant do anything it is either I pay it or leave it this has negatively effected my credit report and dropped my score tremendously they are not willing to resolve it with me or delete it from my report if it was to be paid
|
| 01/05/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Transworld Systems Inc shared with the Credit reporting agencies that I had an unpaid medical debt shortly after receiving the collection request from XXXX XXXX instead of waiting 6 months as outlined in the Fair Credit Reporting Act.. As this bill resulted from an auto accident, there were many Insurance companies involved ( XXXX auto and XXXX medical ). This bill was paid within the XXXX months, and as I understand the Fair Credit Reporting Act, the bill should not have been reported to the Credit Reporting agencies.
Once the bill was paid ( within 6 months ), the company simply reported that the bill was paid and there is a zero ( XXXX ) balance, but will not remove the " collection '' from credit reports.
When contacted to have this collection removed they stated that it is there policy to report all delinquencies as soon as they come in, and not to wait the XXXX months. And once reported, they will not remove them even though it seems to be at odds with the Fair Credit Reporting Act.
Upon contacting Equifax this error, they will not remove the entry unless Transworld Systems authorizes the removal, which they will not remove.
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Transworld Systems , Inc has misrepresented XXXX and sent a debt collection letter to my place of abode on XX/XX/2023 requesting that I respond to their debt collection letter by XX/XX/2023. I sent a cease and desist letter with other documents that showed I paid the full balance. On XX/XX/2023 I attended a USPS location and sent them this information through certificate mail. It is currently now XX/XX/2023. XXXX XXXX signed United States Postal Service certified mail green domestic card and returned it back to my place abode XX/XX/2023. Under U.S.C. 1692 G and other debt collection practices Act rules. I requested Transworld Systems, Inc to send me original records of me and them doing business in Washington XXXX DC. They failed to comply with my demands and it is an violation. I'm submitting evidence that I replied to their debt collection practice and they didn't send me anything to my place of adobe. This corporation was not suppose to contact me because I paid the bill. Look at all 6 supporting documents it will show Transworld Systems , Inc and XXXX were both wrong for trying to scam me for additional money after I paid the bill.
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with Indiana University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXXXXXX, XXXX ( XXXX ).
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX.
2. ) XXXX has not marked the account on my credit report as " Disputed '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX.
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
|
| 04/17/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am a client of Transworld System Inc., which owns my student loan debt. I have contacted them ( XX/XX/XXXX, XX/XX/XXXX ), and on several other occasions to correct the information on my account.
They have sent me the same incorrect information twice claiming that it is the actual balance on the account. In the letter dating XX/XX/XXXX, my reported balance was {$32.00}, XXXX, on XX/XX/XXXX my balance was {$32000.00}. Both are incorrect. The correct amount should be around {$22000.00} ( the exact amount is undisclosed as of now by the creditor. ) in XXXX, TSI was sued by a group of plaintiffs from XXXX for reporting false information about its clients and subsequently lost the case ( class action lawsuit : Sharon Eul v. Transworld Systems , Inc., et al. - Case No. : 1:15-cv-07755 ) Higher Education Loan Program, under which agreement participants were offered settlement to reduce their loan balance to 62.5 % of the principal amount.
TSI has repeatedly stated in the letters to me that they are unaware of such judgment against them taking place in the court in XXXX in XXXX, and they refused to obey the stipulations of the agreement.
|
| 12/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a call from an " XXXX XXXX '' on my personal cell from a number XXXX, I also received the same call at my work from the same person the number that called was a XXXX, the number he left was a XXXX. He called my Daughter 's Husband 's PARENTS and left the following message. I have a recording of the call. transcript is as follows : This is case XXXX XXXX with XXXX XXXX calling in reference to a complaint preparing to be filed against *************** ( me ) XXXX years of age after a through investigation of this affidavit, i find the documents forwarded to my office do indeed support the order for ************ ( me ) to appear in court on alleged check fraud, I would like to speak with ********** prior to signing off on this. I can be reached at XXXX, that is a listed toll free number, therefore XXXX should have no difficulty returning this call. Pretrial docket number to reference XXXX. Be advised failure to respond will leave me no choice but to execute the paperwork referencing your appearance in XXXX XXXX service which is due to be carried out at your home and place of employment. XXXX YOU HAVE BEEN NOTIFIED
|
| 10/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I went to see XXXX XXXX XXXX XXXX XXXX XXXX for medical services on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX at XXXX ( business name ) Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , NV XXXX Phone # : XXXX. I paid my copay. My insurance company ( XXXX ) owes the remaining balance and is under a RECEIVERSHIP/Court order XXXX Judicial District Court of XXXX County, Nevada ( the " Receivership Court '' ), in case number XXXX, and pursuant to Nevada Revised Statutes chapter XXXX, entered its Permanent Injunction and Order Appointing Commissioner as Permanent Receiver of XXXX ( the " Permanent Receivership Order '' ) Per the court order XXXX can not bill consumers or patients, but have done so anyway and have ignored the court order. After explaining this several times by phone and email, on XXXX/XXXX/XXXX I received an email stating I was no longer in collection status from a XXXX XXXX XXXX. I continue to be billed and reported to collections. The last transmittal letter from Transworld Systems Inc. Collection Agency on behalf of their client XXXX XXXX XXXX XXXX is dated XXXX/XXXX/XXXX. My credit is being effected negatively and should n't be.
|
| 02/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
About 2 months ago, I received a notice of debt owed from Nationwide Credit , Inc ( www.ncirm.com ). I was not worried about it because the last 4 of the account number, the amount and the middle initial of the owner did not match my own personal information.
I bank with XXXX XXXX XXXX and the account in collections is also through the same bank so I contacted XXXX on XXXX/XXXX/2022. I spoke with the collections department, and they verified that neither the account number nor amount matched any account I have or have ever had.
I wrote to Nationwide Credit on XX/XX/2022 clarifying that I am not the named party and requesting debt validation in the hopes that they would realize their mistake. Fast forward to XX/XX/2022 and I received one page of the debt validation report which contains all of the named party 's personal information. His address, DOB, SSN, his email address.
This is incredibly irresponsible on the part of Nationwide Credit , Inc . They have given me, a stranger who lives XXXX miles away in a different state, access to all of this man 's personal information simply because our first and last name 's are the same.
|
| 04/12/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2019 and XX/XX/2019 I made payments to pay off my student loan with XXXX XXXX XXXX. The payments resulted in an overpayment of {$220.00}. Per the terms and conditions, the overpayment should have been returned within 60 days. After 60 days had passed and I had not received reimbursement, I contacted XXXX XXXX XXXX on Friday, XX/XX/19. The representative I spoke to said they would contact the accounting department and that I would receive an email and resolution within a week. More than a week passed and I had not received an email, resolution, or reimbursement so I called XXXX XXXX XXXX on XX/XX/19 to follow up. The representative again told me that they would be sending an email to their accounting department and I should expect an email and resolution within a week. On XX/XX/19 I still had not received reimbursement nor an email. I called XXXX XXXX XXXX and was told for a third time by a representative that they would be sending an email to the accounting department and I should expect an email and resolution within a week.
At this point, I have no faith in XXXX XXXX XXXX ability to resolve and reimburse my overpayment.
|
| 08/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX has an amount of {$250.00} they accuse me of owing, they have sold this account to several collection ( Transworld Systems Inc and Now XXXX XXXX XXXX ) agencies. Which XXXX XXXX has reported this item on my credit report in the amount of {$310.00}. In X/X/2015 my daughter was seen at XXXX XXXX Hospital, while she was still covered under XXXX ( which expired in X/XX/15 ). So someone drop the ball and did n't charge or follow up with XXXX and now harassing me for an amount that they think owe. I tried to resolve this several times. I even made one payment in error not realizing that this was an account that was suppose to be paid by XXXX. When I requested for my money back they said no. I 've sent a letter too, stating that I do n't owe this money. So here we are now 2 years later. I 've never received a letter from this XXXX XXXX XXXX of validation of this account ; and the amount they are trying to collect is {$310.00} which is a different and higher amount. They reported it to the credit bureau, I called them to inquire and they ca n't even find me in their system, but yet this charge is on my credit report.
|
| 07/07/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Current cosigner for a XXXX loan now serviced through UAS.
Original loans totaled $ XXXX, paid loan amounts down ( to roughly $ XXXX ) prior to the loan converting from interest only payments to principal & interest payment.
Received monthly payment amount based on full borrowed amount of $ XXXX.
Called UAS spoke with XXXX on XX/XX/21 asking to re-amoritize the loan for which he stated he would do.
No change to billing statement called on XX/XX/21 spoke with XXXX XXXX who state she sent email to a higher representative that would get back to me via email in few days.
No response or email, called again XX/XX/21 spoke with XXXX XXXX who stated prior contact person doesn't work with them any longer. She stated she would escalate.
No response so called again on XX/XX/21 ( 4th call ) and spoke with XXXX XXXX ( who stated my call was escalated to him and he would email me so I could receive updates or reach back out to him.
Emailed XXXX XXXX twice in XXXX without any reply.
Called again XX/XX/21 spoke with XXXX XXXX she said XXXX wasn't in and she would leave him a message. 7 months later STILL NO RESPONSE- DEPLORABLE TREATMENT!!
|
| 06/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Debt was result of auto accident XX/XX/2016. Physician consistently failed to bill insurance regardless of information I provided. Bill was given to Transworld whom I communicated with on several occasions. I do not believe they communicated with physician, I communicated with physicians office, yet health insurance was never billed. Physicians office finally billed health insurance, but they failed to file the claim within the allotted amount of years, and was told my portion of payment is {$0.00}. Physician sent an invoice showing that I owe XXXX. Yet, Transworld communicated to me it was a charge off. I provided documents showing that it wasn't and told them that nowhere on the invoice does it show that it was a charge off. Physicians invoice shows I owe {$0.00}. Transworld has been claiming it is in dispute for more than 30 days. Transworld has done nothing to repair incorrect reporting. They haven't even reported it as a " Charge Off, '' even though it is not a charge off. They have done nothing and it has been on my report inaccurately for over a year I am attaching the documents they have received on more than one occasion.
|
| 12/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX my husband paid Transworld Systems Inc ( TSI ) the full amount to pay off a medical debt and one other account that they said that I owed. My husband verified that this satisfied all debts owed to TSI, and was told that it did. However, the account continues to report to my Credit Bureaus. I requested disputes with XXXX twice ( thinking that XXXX and TSI were the same thing ) - both times the balance changed, but only by small amounts, and the account stayed on my report. We contacted TSI on XX/XX/XXXX and spoke with an agent. We advised them of the situation, gave them the confirmation number and the date and amount of the payment ( which we have the records of ). We were told that the account was paid off and that they would remove it from my credit and send us a letter stating that the account was paid in full. We have not received the letter and the account continues to not only report on my credit, but to also increase in balance each month. TSI has had 5 months to report the account as Paid in Full. Instead, each month, over the last 5 months, they have reported the account delinquent and increasing in balance.
|
| 06/08/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans.
Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ).
Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped.
Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.
|
| 03/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
This is follow up to Complaint # XXXX!
XXXX continues to push this matter to new collection agencies despite my previous communications with CFPB, XXXX and several successive collection agencies. This matter was fully resolved. The attached document from Transworld Systems Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX, is further harassment on a debt that is not valid. see excerpt pasted below from first complaint.
" In XXXX of 2016 I returned XXXX XXXX for end of lease. Prior to lease i had aninspection which determined tail light crack and damage to tire. i had both of thesereplaced prior to return. In early 2016 toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. nowalmost two years later XXXX submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is veryapparent that they prey on consumers after they expect their records to be long gone. thecollection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature. ''
|
| 06/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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|
XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.
|
| 06/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/XXXX, I was in a collision in a vehicle I rented from XXXX XXXX XXXX. XXXX filed a claim ( # XXXX ) and I created a claim with my primary insurer, XXXX ( # XXXX ) and my secondary insurer, XXXX XXXX XXXX ( # XXXX ).
XXXX timely approved payment on the claim to XXXX, and my secondary insurer paid my deductible on or about XX/XX/XXXX.
Since then, XXXX has refused to take payment from my primary insurer and has started threatening me with legal action. I have called XXXX and XXXX on atleast four separate occasions and both have assured me they will sort it out. Nevertheless, I have continued to receive threatening communications from XXXX that, unless I pay the remaining sum, which should be paid by XXXX and which XXXX has already agreed to pay, I will be sued and reported to collections.
On or about XX/XX/XXXX, I received a formal letter from a collection agency, XXXX XXXX, that XXXX had assigned the debt and that I am subject to legal action.
At this point, it appears that XXXX has decided not to work with my insurer, who has subrogated my claim and agreed to pay, and is instead insistent on shaking me down.
|
| 03/15/2018 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
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Web |
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I RECEIVED A LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXXXXXX XXXX. ( ATTATCHED ). THE LETTER INFORMED ME THAT THEIR OFFICE WAS RETAINED BY XXXX XXXX XXXX XXXX XXXX XXXX TO COLLECT A DEBT. I CALLED THE NUMBER PROVIDED AND EXPLAINED I HAD KNOW IDEA WHAT THIS WAS ABOUT. ALL MY STUDENT LOANS WERE CONSOLIDATED IN XXXX. I HAD NOT RECEIVED ANY BILLS FROM THIS COMPANY AND ALL OF SUDDEN IA MTHREATENED WITH A DEBT COLLECTOR. I TOLD THE ATTORNEY ( XXXX XXXX ) TO SEND ME PROOF OF WHAT HE WAS TALKING ABOUT.
ON XX/XX/XXXX I RECEIVED AN EMAIL FROM MY FORMER BANKRUPTCY ATTORNEY 'S SECRETARY ( ATTACHED ) WITH AN ATTACHED LETTER FROM THE XXXX XXXX XXXX ( ATTACHED ). THEY SENT MY FORMER ATTORNEY DOCUMENTS SIGNED ON XX/XX/XXXX FOR A XXXX XXXX LOAN ... NOT XXXX XXXX XXXX XXXX BUT THESE DOCUMENTS WERE NOT MAILED TO ME. WHY? MY BANKRUPTCY ENDED A FEW YEARS AGO.
I NEED HELP BECAUSE I DO NOT BELEIVE THIS COLLECTION IS CORRECT. I REFINANCED MY HOUSE LAST YEAR AND THIS NEVER CAME UP AS AN ISSUE. I CONSOLIDATED MY STUDENT LOANS AND YET I AM GETTING AN UNEXPECTED HARRASMENT FROM THIS LAW FIRM REPRESENTING THIS XXXX XXXX XXXX XXXX XXXX. PLEASE HELP ME
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| 05/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Transworld/TSI has not been able been able to provide me with an original agreement or contract with the original creditor for the alleged debt. I have sent numerous debt validation letters to this company and no original contract or agreement was provided. I have also made several attempts over the last couple of weeks by contacting them via phone and each time I was told by each customer represperson they were unable to provide me any information regarding the alleged debt. I was informed I would have to speak to a specific account representative XXXX she was the ONLY person who could speak. I was told to leave a voicemail she would return my call. It has been several weeks now with no response and I dont understand how a debt it is reporting by a collection agency who cant produce the original contract for the creditor nor provide me any information on the debt. I am requesting this debt to be removed from by credit report due to the company not being able to provide me a contract agreement with the original creditor and for violating the Fair Debt collection practice Act. Please remove this debt from all three bureaus.
|
| 10/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 11/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 03/19/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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Transworld Systems , Inc. assumed debt from XXXX XXXX XXXX XXXX XXXX. I questioned the amount of debt and requested confirmation of the debt. In XX/XX/2017, Transworld notified me that I had 30 days to set up a payment program through them, or they would garnish my wages. I sent them correspondence within the 30 day time limit requesting to set up a payment program, but they garnished my wages anyway, with no notice to me that the garnishment began. I became aware of the garnishment in the change to my paycheck, from which they are withdrawing about {$400.00} from each check.
I also believe that they initiated collection and garnishment on this debt during the time frame that the federal court froze their collection practices during XX/XX/2017federal litigation against them.
My file number with Transworld is XXXX. I am attaching correspondence with postmark showing I sent a timely response to their request within the 30 day limit they imposed on my account. I additionally called and left messages for them to contact me within that 30 day window of time, and they failed to return the calls, choosing to garnish instead.
|
| 11/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I placed a call out to the debit collector listed below on XX/XX/2018 ; I informed the creditor that this debit was incorrect, and that I never received a notification that I had a debit in there office. per the rep a letter was sent to a my address ( address was incorrect so I never received a letter ). I informed them that the address was wrong. I contacted the original debit and inquired about the debits. per the the original creditor these collections where sent to the collection agency in error, and they would contact the debit collector and ask for all collections to stop and for these accounts to be taken off my credit report. that was over a month ago. I have reached out to the the original account holder ( XXXX XXXX XXXX ) and they have told me that they already on numerous situations reached out the to the collection agency and asked them to remove these debits from my reports but they have failed to do so. I have also called the collection agency and asked them to look into this, they refused.
Debit Collector TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX
|
| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a XXXX XXXX conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with Trans word Systems and they state the account balance is XXXX and it had been turned over to XXXX XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
|
| 09/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was hired by a friend to perform a project for his company. He failed to pay for 3 months so I started searching online for leads and information how to collect on past due invoices. I was lead to XXXX debt collection and provided my information to speak to someone. I did not know I was signing a contract by providing my information. Upon speaking to the representative over the phone, I was asked to provide supporting documentation of the debt. I did not respond to the email nor did I provide any information.
The debt collection agency, TSI, followed up with emails asking to provide invoices or any information supporting any claim of not being paid. I immediately responded to two emails stating to stop any collection attempts as I did not authorize anyone to make collection attempts. My emails went unanswered. My friend who hired me is a friend I was working out a plan with to hopefully obtain more work in the future but be paid in advance as opposed to work and be paid later. And now I am getting phone calls, emails and now a letter from an attorney for 50 % of an amount they say they collected for me. Please help.
|
| 06/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Someone from Trans World Systems Inc called a business line ( XXXX times this morning ) and divulged serious personal information and was asking several office staff members from my XXXX. I called back and they wanted me to verify my social security number because there was " conflicting numbers '' and they needed to verify. Also, they would not tell me who or what was owed and kept asking me for my SS #. I do not think that someone should be able to call an employer XXXX # and divulge that kind of information to someone that is not part of what is going on and all while asking people completely not involved for my social security number. I feel extremely harassed and am scared as a consume to think an " debt collector '' who does n't know if it is my actual debt and is asking random office members for my social security number and divulging that it is to collect a debt. This also feels like slander as they told people things that probably are not true ( XXXX different employees answered XXXX of the XXXX calls made today ). Horrible business practices and should not be allowed to operate like that.
Here number is XXXX
|
| 05/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The last communication that I had with XXXX XXXX XXXX XXXX was a settlement statement and then the remainder of my deposit ( {$1000.00} ). This was after I vacated the property at their request ( which they breached the lease agreement ). XX/XX/XXXX I checked my email and saw an alert from XXXX that my points decreased and there was a collection account, when I logged in it was Transworlds System Inc, I called them and they said they were collecting on behalf of XXXX, again, the last communication from XXXX was my remaining deposit, and I had no communication with them afterward because my intent is to sue them for breaching the lease. However, I also had no communication from this Transworld company until the item appeared on my credit and I called them. The first time they ever made a phone call was XXXX after they were already on my report. Nonetheless, I do not owe Transworld or XXXX and in fact, I believe they owe me for breaching the lease damages for moving expenses, two months rent, utilities, and storage fees. These people have done great damage to my credit without any prior notices of so-called owed debt.
|
| 08/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/19 I received a phone call from a debt collector ( TSI Prime Collections Agency ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/2019 I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/2019, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. TSI is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both TSI Prime and XXXX XXXX XXXX Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with TSI and XXXX XXXX XXXX.
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2020 I moved from the home owned at the time by XXXX XXXX. Due to foundation issue and flooding I was promised to be removed out of that home into another XXXX property by The Supervisor at the time XXXX XXXX because the home was no longer in living conditions due to molding and the walls detaching from the home. My children had to undergo XXXX stay because of the molding. XXXX XXXX and myself were in argreement that me and my family will be moved and placed in another home, especially with a child with XXXX XXXX XXXX and a XXXX XXXX XXXX After the let down and my family being displaced. I later found out that they are alleging I owe a sum of {$12000.00}. I reached out to an attorney who also wrote them. Which the attorney didnt receive no correspondence. I have over the amount of evidence from pictures, statements by the insurance company, emails from XXXX, and etc. When we reached out to them for the last time they said the no longer owned the debt because the home was sold to another company but yet its still reporting on my credit. Its reporting false information and is violating the fair reporting act.
|
| 06/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
|
| 11/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I disputed a collection with XXXX several times in the past year. The collection agency is Transworld systems Inc.
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with XXXX several times in the last few years. Every times it comes back as verified by XXXX. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor XXXX XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork.
I have informed Both XXXX and Transworld Systems Inc. That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP.
This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.
|
| 12/29/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.
|
| 03/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/18 I received a letter in the mail from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I immediately called their XXXX number at XXXX XXXX XXXX. to dispute this debt. First person asked to verify my address. When the address didnt match up, the phone call was subsequently disconnected. I then made a second attempt. The second young lady was polite but insisted that since my address didnt match up in their system, she was not authorized to continue the call because there was nothing she could do to further verify why I received a debt collection letter. The letter shows that Transworld Systems Inc, represents XXXX XXXX XXXX XXXX, and claimed that I owed a current balance of {$230.00}. However, I nor anyone under my household has ever had an account with XXXX XXXX XXXX XXXX. I request that Transworld Systems Inc, along with their client XXXX XXXX XXXX XXXX, remove any and all information linking me and my property from their database and systems. This is the first and hopefully final step in rectifying this mistake. I will accept a letter of confirmation that this mistake has been fixed.
|
| 06/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back in 2016, I was contacted by Transworld regarding an emergency room bill they were assigned to collect. I agreed to settle the account and made payment to Transworld. No account from Transworld was reporting to my credit history at this time.
Later, I took a look at my XXXX credit report and saw that Transworld has been reporting the account as a collection account, even after I made payment. Their tradeline states paid in settlement but in the portion stating amount paid it is blank. My common sense would say they ( Transworld ) should at the minimum report how much was paid.
I did dispute the accuracy of the information to XXXX XXXX, who stated they contacted Transworld and were informed to delete the entire account. So it is off one of my credit reports. However, when I made the same dispute to XXXX, XXXX responded that Transworld reported back the information should remain unchanged on my credit history. I do not understand why Transworld would tell one credit bureau to delete an account and another to continue reporting it. It is not so much as reported as a disputed or contested account by Transworld.
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is a complaint about TSI - Transworld Systems Inc. I have tried to resolve this numerous times with them myself over the phone but to no avail.
They claimed numerous times that they mailed me letters but they did not.
They placed a collections on my credit for {$370.00} a couple months ago already, which is totally bogus. It's a XXXX XXXX bill that they and my insurance from 4 years ago have resolved but yet they put it on my credit WRONGLY. We sent them the insurance info about two years ago when they initially invoiced us but they claim it wasn't accurate bla bla. The insurance company is from 4 years ago and they long closed the case. I disputed it with the credit agencies as well and some have removed it from my credit. There is one or two ( out of the three ) that is still on because TSI claims it is correct, Well, it is totally dead wrong and should be removed. There is no one to talk to at TSI. They never figure out where the dispute status is up to and they never send letters in the mail. I request full legal action against them and to have the collection removed from my credit immediately.
Thanks!
|
| 09/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX at XXXX ; XXXX XXXX a guy called me telling me he is from Transworld System to collect a debt from XXXX XXXX.
I was asked for personal information.
I did not disclose because I do not know who this person is or if XXXX XXXX actually hired them.
The guy started to get hostile and informed me that without my personal identification - he can not disclose any information even basic ones such as which location of XXXX.
I asked him for XXXX contact number so I can call and verify - he refused to give me and got more rude and hostile and said " I don't care - do whatever you want to do. '' He demanded information accusing me of have getting billing mail from XXXX XXXX. I advised I moved addresses this year.
He did ask but demanded my home address.
Once again I have declined because I do not know who he is and if indeed XXXX reached out to them and not familiar with nature of call.
Right after within 5 minutes I kept getting the same call at work.
This is form of bullying and harassment.
I have every right not to disclose personal information such as date of birth and social security number.
|
| 05/10/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Received judgment court papers regarding debt in which I was unaware of what it was Until I realized that this was a creditor hat I had previously disputed on credit report. The court papers list plantiff as XXXX XXXX XXXX or XXXX aN D XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . as their attorney and my mom and I as defendants. I did some research and I found out these creditors were hired to collect on student loan they allege I obtained and allege my mom co-signed. However, these creditors did not properly set forth identity of the original student loan creditor or any promissor documentation. Also, creditors alleged this is a debt that was obtained over 10 years ago. I am a victim of identity and my mom is a senior over XXXX so I am very concerned about this matter. My information and my moms was used before fraudently for a mortgage loan also over 10 years ago. I believe these predatory creditors are in violation of the California consumer credit laws : Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act. I have attempted to dispute items on credit report
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX is in violation for stated codes below. Company has no permissible propose to furnish my consumer report according to the FCRA. None of the permissible proposes provided below are reasons that company is providing my consumer report to other CRAs.
The FCRA prohibits CRAs from furnishing consumer reports except for certain permissible purposes, Section 604 ( a ), 15 U.S.C. 1681b ( a ), and prohibits persons from obtaining consumer reports for any reason other than those permissible purposes, Section 604 ( f ), 15 U.S.C. 1681b ( f ). Additionally, a user must certify truthfully that it is obtaining the consumer report for a permissible purpose. Section 604 ( 1 ) ( 2 ), 15 U.S.C. $ 1681b ( 1 ) ( 2 ).
33. The FCRA restricts requests for consumer reports to the permissible purposes enumerated in Section 604 ( a ), 15 U.S.C. 1681b ( a ). Pursuant to the limitation in Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless..
the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was getting pre-approval for a home loan and the credit report came back with a debt collection item of {$520.00} from TSI debt collection services. After calling TSI, I was informed that the collection was required by an apartment complex that I had previously lived at ( XXXX XXXX apartments, XXXX FL ) It had been over threes years since I lived at that location but the apartment complex nor the debt collection agency ever contacted me regarding the debt. The only reason I found out is the credit report which has now become detrimental to the interest rates on two home loans. After reaching out to XXXX and the apartment complex multiple times, I still have not received any documentation on what the expenses are for, nor an itemized listed depicting how the total was derived. I dont believe there are any legitimate claims as I finished my lease as required ; I believe this is a fallacious claim by the apartment management company and a very poor job of research/communication by the collection agency. I simple can not believe that a company can adversely affect my credit by issuing a claim with no documentation!
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) trans world system inc 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )
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| 11/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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TRANSWORLD SYSTEM INC/ - Amount owed per credit report {$320.00} - I had received an notification that my credit report had changed and saw that this company had reported a negative account I wrote the address listed on the report requesting to have the account confirmed with the account audit trail being provided along with my written certified signature so I can confirm my signature this information has not been provided. I also requested to have the company license number that gives them the right to collect in my state. I have not received anything I have requested nor have I received the document according to the law that states that a debt collector must provide written notification to the consumer with the name address and contact information for the original creditor this has not been displayed and need to have actions taken upon on a state and federal level I am asking that this account be removed and everything i requested be provided and that all forms of communication stop effective immediately. CEASE AND DESIST ALL COMMUNICATION INCLUDING USING THE MEDIUM OF CREDIT REPORT TO INDIRECTLY COMMUNICATE.
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Transworld Systems Incorporated is trying to collect a medical debt that I do not owe. I contacted Transworld Systems on XX/XX/XXXX at XXXX XXXX.
No date of service was provided on the mailed collection letter I received on XX/XX/XXXX but after speaking to a representative, XXXX from Transworld Systems, she told me the date of service was shown as XX/XX/XXXX. I had already spoken with a supervisor named XXXX at the XXXX XXXX billing dept . who said that they do NOT use Transworld Systems Inc for any collection purposes and that she checked by using my social security number and found that I had a XXXX balance and owe them nothing. XXXX, at Transworld Systems, said that a dispute would be filed but refused to give me a transaction number of the dispute. I told her that I was recording the conversation and she became arrogant and hung up the phone.
Transworld System is listing my supposed debt account as # XXXX and the letter was printed on XX/XX/XXXX in the amount of {$1700.00}. Transworld Systems says that I owe it to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with a bogus creditor account number of # XXXX.
|
| 02/21/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information.
The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
|
| 12/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
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Web |
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I bought a new car XX/XX/XXXX after the usual back and forth a deal was made where no down payment was to be made, I went to take care of the paperwork with the finance manager, on the paperwork was listed {$500.00} down payment I was ready to get up and walk away from tthe deal but the finance manager assured me no money was required from me that it was on the paperwork for the finance company only. I was n't sure this was proper But the finance managers exact words were am I asking you for any money? And further he said no is asking you for any money now. Now I have worked as a car salesman before and know if money is to be payed at a later date a promissory note must be signed. Since I was not a asked to sign one I thought it was ok. On the Monday after the sale the salesman calls me to ask where 's my down payment I advised I signed no promissory note and was told I was not going to have to pay it. After that I heard nothing until this collection letter came. They are trying to pull a fast one on me and will not get away with it. I will file a lawsuit against XXXX and XXXX XXXX if this is n't stopped now.
|
| 09/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I have a duplicate collection listed on my credit report from XXXX XXXX XXXX. TransWorld Systems claims to be the agency that should be collecting I did pay them about XXXX dollars in the past, but now XXXX XXXX is claiming I should pay them. I can never reach anyone from XXXX and had to ask XXXX XXXX XXXX SEVERAL times who indeed I should be paying they told me XXXX XXXX but would not put it in writing. I asked the electric compnay if i could pay them directly and they said yes. The debt still remains after disputing with all three bureaus and specifically asking them all to confirm with the electric company WHO is the owner of the debt. They both still remain on my credit report. My ex, an electrician rigged the electric attempting to avoid his portion of child support. He admitted it but I am still being held responsible although he offered to take responsibility. How did electric get taken without anyone knowing including me to the tune of XXXX? Are the duplicates being ignored because I am branded a theif? Not fair. I dont have any track record of being a thief and he should be held accountable. Not me.
|
| 04/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue.
On XX/XX/XXXX, Transworld Systems Inc. provided " debt validation '' as response.
This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with Transworld Systems Inc., XXXX XXXX, Division XXXX of Transworld Systems Inc., requested a clearer copy from their client, " XXXX XXXX XXXX XXXX XXXX XXXX ''.
On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''.
Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ).
There was no transaction or any record of transaction between myself and the client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.
|
| 08/26/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
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Induced into a " gap '' loan known as " XXXX ''. This was in conjunction with a federal loan. Even though we have above average credit scores, we were shocked to find out that this was a 12 % loan. We have taken out several consumer loans and have received two to five percent funding on those. We paid monthly as we were waiting for the 40 % reduction to take effect. We found our loan was turned over to someone outside of the XXXX XXXX that started the XXXX for the XXXX loans. We believe they are selling these loans to other servicers without addressing the loan reduction. Our loan originated in late 2012, right in the middle of the XXXX rip off. We have sent a letter to the loan servicer requesting the reduction and put them on notice of our intent to suspend payments until the XXXX lawsuit is settled. Part of the lawsuit requests rescission of these bad loans. We will continue to pay on our federal loan as regards the education. Still not happy that even with a degree the income from this education reaches 60 % of the XXXX dollars necessary to achieve a middle class existence. So much for higher education.
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Collector, Transworld systems received my account on XX/XX/XXXX from XXXX. My XXXX account was first opened in XXXX of XXXX. My last payment was sometime in XXXX. I never received a bill until about XXXX of XXXX. The amount owed is apparently {$2800.00}. The report says the account opened on XX/XX/XXXX, which is incorrect as I already stated the account opened in XXXX. In remarks it says dispute resolved, but it is still affecting my credit. The account itself is XXXX plus years old now, and the account has been delinquent for XXXX plus years now.
Transworld systems did send me a letter showing the balance and specific transactions and including information on how to pay. I wrote a note that I would not be paying it as it has been over 10 years since the account was opened. I tried to dispute this through XXXX 3 times and each time they were unable to make changes. I have been locked out of both the XXXXXXXX XXXX and the Transworld Systems portal, and therefor I no longer have access to any of my account info or documents. I have been locked out ever since my dispute. I hope you can get the information.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Hello My name is XXXX XXXX XXXX XXXX XXXX having a lot of issues with my credit report because I do have a twin brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the XXXX credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please.
IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times.
This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
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Web |
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I received a credit alert dropping adding this account to collections. I was never notified of this bill being sent to collections. I had been in contact with the original creditor back in XX/XX/2017. I was advised due to self pay that I could be offered a discount for services. I was sent some paperwork and that paperwork was then sent back to the XXXX XXXX.
I was never sent a bill for the amount in question nor was I notified that it was in delinquent status. I feel it is extremely unfair to have been billed to my credit report rather than giving me the opportunity to pay the debt. I have reached out to the collection company and have not got any help of prof of debt. I spoke with a supervisor by the name of XXXX XXXX. She refused to help me resolve the issue. Trans world only resolution is to pay the total amount due. The collection company that has added this derogatory debt is very rude and unruly, and unprofessional. I have tried to work with the collection company and I am not able to get resolution. I was told that it will continue to ruin my credit report ; even though I have not been notified.
|
| 08/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Debt collector never sent me any written correspondence but continually called me using a number in my own area code. These calls were performed by an automated dialer, and whenever I would pick up all I would hear is a beep and the call would disconnect.
When I called to speak with the company about the debt, they would only tell me a name but not what they wanted to speak with me about until I gave them my full address. When I refused to disclose personal information without knowledge of who he was, he hung up on me.
After I called back, I asked for proof of the debt and to not call me until I received it. I also asked that when they called back that they must call with a live person, not an automated system. After that call, I received 3 more calls from the company by their automated dialer.
I received the letter from them in regards to my debt today. It does not disclose anything other than the amount and creditor on the letter. It does not make any statement about my right to dispute within 30 days, or that if I do not respond within 30 days that I automatically accept the responsibility of the debt.
|
| 06/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless.
I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I.
Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
|
| 05/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I have already filed a complaint against younomics with CFPB where I have stated that I am disputing the loan amount and the interest charged. Complaint Number : XXXX. However, younomics ' agent/affiliate University Accounting Services went ahead and reported to the credit bureaus that I was behind payments. As a result my credit scores have fallen drastically adversely affecting my ability transfer credit card balances to 0 % APR cards and my ability to obtain new loans or advances. I spoke to someone from University Accounting Services yesterday, XXXX XXXX, 2016, to withdraw the reporting, to no avail. Instead they on their own, and without me requesting, have granted forebearance on my account from XXXX/XXXX/2016 to XXXX/XXXX/2016, but claiming that " during Forbearance, interest accrues and is capitalized at the end of the Forbearance period. '' Since I am disputing the debt itself and am complaining about the lack of response from younomics, younomics or its affiliate University Accounting Service should not adversely report to the credit bureaus and should withdraw the adverse reporting done so far.
|
| 11/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
started in XXXX. I spoke to XXXX XXXX about buying some books so I can train cdl students. I was asked a million questions about me and where I worked and lived. I told them everything truthfully. I went forward on purchasing books, we agreed on a price, I gave them my cc information and then I got a statement from my credit card which did not match what my emails said I would be charged and it was a lot over the amount. I disputed it with my cc company and won. they told me to not contact this company about this it was handled. I heard from a guy in their office later. he said he would send me to collections. he obviously couldn't, now he is harassing my workplace saying that they owe the bill for the books. they made up a collections paper with he city of XXXX XXXX as the debtor. I never said I was purchasing for the city, I never told them it had anything to do with my place of employment. this is a very unethical business. I wrote them a cease and desist letter with the help of a friend that is an attorney and was told to immediately contact you about this and file a complaint. thats what I am doing.
|
| 05/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with.
The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts.
In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt.
Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information.
After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.
|
| 06/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have received repeated calls from Trans World Systems, the last call was received on XXXX / XXXX / 2017 at XXXX from XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor, XXXX XXXX XXXX XXXX , and received XXXX notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under XXXX different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.
|
| 11/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Apparently, at some time in the past I ordered an item and it was shipped to me using XXXX. A month or so ago, I received notice that XXXX was not paid by the shipper, and if further collections efforts by XXXX did not result in a payment from that shipper, they would come after me. I had never heard of something so absurd, it 's like a meat supplier not being paid by a restaurant, so the supplier waits outside the restaurant and when you finish your steak they jump you by your car ...
Anyway, as you can likely predict, the company never paid XXXX and now they are coming after me,. I ca n't find the original collection notice so I do n't even know who the shipper was, and XXXX has no interest in telling me. They are increasingly rude and belligerent toward me, and want to hear nothing but my credit card info, which they wo n't get. I know I paid for the shipping since I have the item, but I ca n't prove it because I do n't even know what specific item we are even talking about. It 's circular dislogic at its worst and the only company with all of the data is n't interested in helping, only harassment.
|
| 01/24/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I was enrolled in XXXX college here in XXXX texas i started XX/XX/2016 and it was a 2 year program but i found out the school closed on XX/XX/2016 and shortly after they filed for bankruptcy. i was told by UAS ( University accounting service ) that i was still responsible for the private loan that they paid out to the school on my behalf. Im in the process of getting my government loans forgiven through the dept of education, im just waiting on their response but this private loan is such a nightmare i didnt even get to benefit from the money they paid to XXXX i was barely beginning my schooling. If there is anything that could be done id be so appreciative. After the school closed i found out i was XXXX and this school loan has been weighing heavily on me i dont want my credit ruined for a loan i didnt use and can not repay. This private loan place is where career point said they have a contract with and always use them and career point did all the paperwork and i just signed. The private loan is about XXXX and through UAS there number is XXXX. Website is XXXX. I really hope you can help me. Thank you
|
| 09/08/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX.
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher.
At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts.
I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present?
I have proof of payments, so my balance should be much lower.
I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
|
| 12/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
The debt collection agency will not update the amount owed/adjust my credit report and remove from collections.
The service was in XX/XX/XXXX and it was finally resolved by my insurance XX/XX/XXXX.
There were issues with me having multiple insurances and they wouldnt initially pay until I provided proof of only having one medical insurance. Once that was taken care of they paid out.
My insurance covered the debt ( XXXX ) an I provided the supporting documentation to the hospital, the agency, and XXXX multiple times as proof.
Ive called them and the are not responsive other than I must wait for them for review the documents Ive submitted.
They will not respond to my emails ( they provided me the email address ) Ive disputed this 4 times already with XXXX.
It is wrong to expect me to pay a bill that was paid through insurance always. I am only responsible for the deductible of XXXX.
I wonder if others are experiencing the same issue with this agency. It is worth looking into it, as it is a fraudulent practice.
I dont know what else to do!
Thank you kindly in advance for your assistance.
|
| 06/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
The collection agency is Transworld Systems Inc. and The Ref. No. is XXXX.
The apartment management at XXXX XXXX XXXX. in XXXX, XXXX was given notice of my intention to move out in 14 days back in XX/XX/2019 with lease ending XX/XX/2019. On and off for over 3 years rats would infest the attic of my studio apartment. Traps would catch some and at times the maintenance would pull out a foul smelling dead rat. The dried fecal matter would get in the air of the living space. The actual opening for the rats entering was never closed. I moved out at end of XX/XX/2019.
I have provided letters and calls to TSI inc. I have been threatened with lawsuit and damage to my credit. The rent was {$940.00} and added on was late charges and expenses.
The environment was not safe for living due to disease carrying particles left behind by the rats and continued infestation. Total debt efforts has been about {$2500.00}.
I wrote a letter formalizing my dispute of the debt and if it should be turned over to others or the bureau, it is under dispute. I have received via mail a print-out for debt and charges I dispute.
|
| 06/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted Transworld System on a matter that pertains to my credit. I have been a victim of fraud. I sent Transworld System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked transworld system to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Transworld system and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
|
| 05/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law.
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 11/24/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 08/28/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I had XXXX defaulted private student loans. I have attempted to correct the issue with the business, but they have continually refused to speak with me since I live out of state. My father had cosigned on the loan and he is now against major legal action and he is scared to death ... I have attempted to work with the creditor, the court and various attorneys to correct this issue, but there is no one who is willing, or able, to help. I feel I am finally in a good financial place, but I am unable to work with this organization because they continue to refuse to speak with me. Because I do not have a legal background, I was n't able to defend myself properly, even though I did give it the best shot I could. I attempted to file a motion to dismiss with the court, but unfortunately it was denied. Again, I am willing to work on the issue with the creditor and have attempted in a variety of ways, but they have refused to work with me since they are filing their lawsuits in XXXX while I reside in XXXX. Attached are the requests I made to have the cases dismissed. The court denied both requests. Thank you.
|
| 06/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Transworld System Inc. placed a collection account for {$310.00} on my credit report without sending a letter to me.
I have no knowledge of this account as it seems that Transworld System Inc. purchased this account from another creditor. Transworld System Inc. violated the FDCPA Collection Practice by placing this collection account on my credit record without notifying me in writing.
I request that you please verify the following information:1. Full original account number.
2. Date original account was opened.
3. Any written agreements between myself and the original creditor stating that this debt is owed.
4. Full account summary on how these charges added up to {$310.00} and an itemized calculation of alleged debt.
5. Date of first delinquency.
If Transworld System Inc. is unable to provide the above identifying account information, this information must be deleted from all CRAs.
Transworld System Inc. also failed to follow FDCPA giving the consumer time to dispute or validate the alleged debt within the allowed XXXX-day time frame that is allowed by law.
Thank You, XXXX XXXX XXXX
|
| 09/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
XXXX XXXX keeps trying to collect money and keeps trying to damage my credit report, the statue of limitations already expired for them, this account was supposed to be deleted long time ago, it gets deleted but couple months later it comes back reporting in my credit report and it keeps affecting me really bad, they first were collecting as XXXX XXXX, after that as ( XXXX XXXX ) and then now as ( transworld systems inc ) with the amount of XXXX, they keep selling this account to everyone and it keeps affecting me really bad, this account should be deleted long time ago, i do not own anything to this collection company and i have never sign a contract with them or with XXXX XXXX, they haven't provided with any type of documentation on which im obligated to pay this debt to any of these collection companies, this collection its reporting with XXXX, XXXX and XXXX, and this account needs to be deleted and never being back on my credit report again, this is ilegal and its its affecting myself and my family, they dont have the right to be doing me like this, they are violating my rights as a consumer.
|
| 03/27/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
The student loan service provider for XXXX XXXX XXXX XXXX XXXX, University Accounting Services " upgraded '' their site a few months ago. Before their site was XXXX and now it is XXXX. The old site looked about the same and ran very fast. The issue I've been dealing with is that they have put absolutely no effort into making sure that this new site runs properly. Pages consistently take more than 10 seconds to load, if they do at all. And most importantly, I can't download any of my statements or tax documents. I can't file my taxes because I can't access the document via their website.
I'm a software engineer, so I am well aware of how these sites work. My internet connection is about 400mbps, so I'm sure it's an issue on their end. Their use-case is not that complicated or computation-expensive. There is absolutely no excuse for their website to run this slowly. They need to invest some of the interest they're making on my education into at least using more servers. I am filing this because this issue has been going on for months with this company and they have done nothing to fix the issue.
|
| 01/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.
|
| 05/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I saw a drop in my credit score on XX/XX/XXXX. I immediately pulled my credit report from XXXX. Under adverse information I had an account from Transworld System in collections, last updated on XX/XX/XXXX, with the date the account opened listed as XX/XX/XXXX. I had last checked my credit report on XX/XX/XXXX via XXXX and this account was not listed.
I had no knowledge of this account or of Transworld. I had not been contacted via email, phone, or email about this debt. The original creditor was listed as XXXX XXXX, my former landlord. I had moved out from the apartment complex XXXX and had called the week after to verify that there were no issues. I had left my forwarding address with the office and they had my number and email on file, but I was never contacted by them about any past due amount.
I attempted to contact Transworld via the mailing address listed on the credit report. I sent it via certified mail ( Tracking # : XXXX ) and it was delivered on XX/XX/XXXX. I have heard no reply from Transworld and have no information on the nature of this debt or why it wound up in collections.
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Transworld Systems Inc. Collection agency keeps reporting false debt on my report. Out of the blue one day, I received an alert through XXXX that I had a new collection account. I immediately looked it up and saw that the original debt was owed for a XXXX XXXX account, which Ive never had. I contacted XXXX XXXX to verify if someone was using my name and was told that I should report the company because there was not now nor never an account in their system with my name. I filed a dispute and the false claim was removed almost immediately. I assumed it was a mistake and moved on, but last week, the same account showed up again, with reason disaster relief as the reason I didnt pay, and thats a complete lie. Never owned the account, nor owed the debt and need this company out of my life and my credit file permanently. I disputed the account again and had it removed from one credit account, waiting for the other two. This company may have some valid accounts, but mine is not one of them! If they report anything else, I will be forced to hire an attorney to protect myself from this type of fraud.
|
| 11/23/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
TRANSWORLD SYSTEMS INC. never contacted me prior to reporting a derogatory account in XXXX XXXX to the credit bureaus. Furthermore, the account was already disputed with the original loan servicer as a result of identity theft and was past the statue of limitations for collection and reporting retention per California law. I 've learned from the listed original servicer - XXXX XXXX XXXX ( XXXX ) that the fraudulent unknown account was supposedly opened in XXXX of XXXX and no payments were ever made to the account, it went into non-payment went into non Payment in XXXX and is past the statues of limitations for collection in California and for credit reporting retention. However, on XXXX of XXXX, this company that HAS NEVER ATTEMPTED TO CONTACT ME ONCE reported this derogatory account information to the credit bureau ILLEGITIMATELY and FALSELY reported that the last payment received was on XXXX/XXXX/XXXX when no payments were ever made to this fraudulent account nor recorded by the listed original servicer of the alleged account. This is unlawful and against Fair Debt Collection Practices Act.
|
| 03/27/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I, XXXX XXXX received a collections letter from Transworld systems inc. at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX PA XXXX ; ph : XXXX. Referencing account # XXXX dated XX/XX/2022.
This is in reference to a debt owed to XXXX XXXX XXXX XXXX. account # XXXX. Total debt amount {$160.00}. Former XXXX XXXX. This creditors debt is invalid, i never received the services from XXXX for which they are unfairly trying to have me pay. The account was invalidly charged, no services was ever provided and the company XXXX never provided any letter of debt or service date for actual services. They were never authorized to perform any services for the amount they are asking me to pay. The debt companies, never followed the rules, never sent me a details breakdown of this debt. When asked to send the validation letter for this debt, these debtors never sent it. This is an invalid fee and needs to be revoked as they have sent it to my credit agencies and have lowered my XXXX, and other credit as they have put this fee on my credit which needs to be removed immediately.
You can contact me at XXXX or at XXXX XXXX
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent!
I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible.
Sincerely, XXXX XXXX
|
| 08/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had spoken with representatives multiple times and made it very clear I could not afford to pay this debt unless it would be removed from the credit bureaus. First agent explained that upon payment it would be DELETED was then transferred to another rep to take payment. To verify, i again asked the debt would be removed. They said no it would not but only be updated to paid. This does not help me as I am trying to get into a mortgage transaction. The agent lied by saying it would increase my score. This is TOTALLY FALSE AND MISLEADING INFORMATION. I thanked them for their time and explained that I did not have the funds to spare if the debt would not be removed from the credit bureaus.
The next time I called the agents again were well aware of my situation and my stance. It was heavily implied that the account would be removed as the agent told me he would have the supervisor make an exception for me. I felt confident that the agent was kind and sympathetic and was going to help me out. This is the ONLY reason I made the payment under the assumption that the account would be removed.
|
| 04/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
A new acct showed up on my credit report from XXXX XXXX, the XXXX XXXX XXXX XXXX. I am not eligible for an acct from them as I am not a XXXX veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, Trans World Systems, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted XXXX directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from TSI they intend filing wage garnishment against me.
|
| 02/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Transworld Systems violated my consumer rights. A representative from Transworld Systems whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that XXXX XXXX is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay Transworld Systems. I did not know that a representative from Transworld Systems could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called XXXX XXXX to verify their " tax season promotion '' and XXXX XXXX XXXX representative ( # XXXX ) stated this is not true.
|
| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never contacted by Transworld. I had to be told by XXXX XXXX that the account was even sent out to Transworld and to attain the contact information for Transworld. I was making monthly payments to XXXX towards the balance. I never received any letter to even inform me that Transworld had my account for collections nor any contact information for them. By the time I got the information they had sent my balance to my credit report. When I called on XX/XX/XXXX and asked how I could get it removed they said that nothing I do from setting up a payment plan or paying in full would get it removed from my report. I asked if I were to setup a payment plan prior to it hitting my report if that would of stopped it and I was told no-so not sure what the point in a payment plan is. I called XX/XX/XXXX to ask if I paid the balance in full if they would remove it from my credit report and I was again told no. I have not had any derogatory accounts on my credit and am upset on the way Transworld handles the accounts under them considering most medical bills are due to accidents or no insurance.
|
| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to TRANSWORLD SYSTEMS according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.
|
| 06/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I submitted a complaint on XXXX/XXXX/15 about transworld systems reporting a erroneous collection account on my credit. Per federal and state laws the burden falls on the debt collection agency to validate the debt and if they can not then the account must be removed. Based on the response from transworld systems they are unable to very that I owe a debt and requires more information. I have already supplied name, address, date of birth, and social when filling out the complaint as well as list the masked account number that was visible on my report. How can this be proper reporting when they basically wrote back saying they do n't know who I am. See previous complaint below.
XXXX/XXXX/15 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.
|
| 07/06/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
The current issue is I am not able to see, pay, and manage my 2 student loans when I log into UAS ; this issue was present and unfixed since XX/XX/2021. The following is background concerning this issue : My 2 student loans with XXXX University were supposed to be in deferment without interest accruing until XX/XX/2021. UAS kept interest accruing during the deferment period despite multiple calls and emails. I submitted a prior CFPB complaint regarding this past issue, UAS resolved it by taking the accounts offline in XX/XX/2021. Since XX/XX/2021, when I log into UAS, I have not been able to see any balance, interest, or loan information. I can successfully log into XXXX. The loan information is not present when I log in. I have attached the prior CFPB response, and the loan aggregate reports and screenshots spanning multiple months of 2021 ; please pay attention to the dates as they will illustrate the issue. This issue is unresolved despite multiple phone calls and emails to UAS. These loans are now out of deferment and I need to manage and pay these loans this month, XX/XX/2021.
|
| 10/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Upon looking at my XXXX Credit Report on XX/XX/XXXX I discovered a negative collection on my account that does not belong to me. I then disputed all of the addresses and phone numbers added to my account and included this collection as a dispute. There was reference on the website to contact the Company to try and resolve this first so I phoned TRANSWORLD SYSTEMS with the number given on the report, ( XXXX ) XXXX. When I phoned to tell them the collection was not mine, they asked me to verify my SSN so I did and then the person indicated they would submit the information. The address associated with this collection, I have never resided in. I own my home in XXXX and have lived there since XXXX. The dispute came back indicating the information and collection is mine. It is not and I fear the SSN I gave the collection agency was used against me in claiming this collection is mine. The original company XXXX XXXX sent this collection of {$710.00} to collection, and I have never had an account with this energy company. My account along with my accurate address resides with XXXX XXXX.
|
| 03/16/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to Transworld system incXXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to trans world systems on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to trans world inc, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount.
I contacted Transworld inc. about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX.
On XX/XX/2021 almost 60 days later I received a letter from the data furnisher XXXX XXXX XXXX with a printout of procedures that I supposedly went through at XXXX XXXX XXXX. TransWorld Systems did not include a signed release of information signed by me nor did they include a HIPAA form signed by me and I never signed a HIPAA form for a company called Trans World Systems to have access to any of my personal medical files.
On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX notifying them that my HIPAA rights have been violated. I have not yet seen the violating accounts deleted from my credit file.
According to the FCRA Trans World Systems has violated my HIPAA rights, they are mailing out medical procedures with my personal information on them.
TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX
|
| 07/19/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I have been trying to complain to cfpb and other various organizations about XXXX XXXX XXXX, and every so often I try again until one day you will all see how truly corrupt and what a crock they are. I have tried to contact the BBB in New York and they tell me this company does not exist and yet somehow they seem to send everyone from my generation who took out student loans into default and collections for no reason at all. All of my other student loans are in good standing and yet I am to believe that this one is the one I dropped the ball on? Now that you have gained more media attention for not providing any paperwork as to who actually owns our loans I think I 'll send this complaint one more time. I am tired of being in collections/default for over 5 years and no one has done anything about it. I took out loans in XXXX and XXXX for school and yet you fail to provide any information or requests to my emails and/or complaints or demands. Your response is always just shy of 30 days just to get you out of further action and yet the response you send on here can never be opened.
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Transworld Systems Inc ( TSI ), formerly Account XXXX XXXX, sent a letter alleging I owe a debt for an un-named service or product. The letter includes three separate supposed accounts. The collection letter states the creditor is the North Carolina XXXX XXXX. I'm left to guess that the alleged debt is for toll roads ; however, this is impossible as I haven't traveled to North Carolina in nearly 30 years!
Further, the letter states that I must notify the company in writing within 30 days or they " will assume this debt is valid. '' I did not have an opportunity to meet this deadline as I received the letter ( without postmark ) more than 30 days from the included date.
I have attempted to contact TSI by phone multiple times. Each time after a lengthy wait, there is a recorded message, then it automatically disconnects with no opportunity to leave a message.
This company provides no way for me to report that this debt is not mine. As this appears to be a fishing scam, I will not take the risk of providing TSI with additional personal information in order to register online.
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Over the past year I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX. Once the collection is disputed with the credit bureau, It states the collection has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature, or any other information. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also send Certified Letters to Transworld systems and have not received a response. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
|
| 10/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
My name is XXXX XXXX. On XX/XX/2017 I received a collection notice for XXXX work completed and paid years ago.
At the time of XXXX procedure, XXXX XXXX XXXX asked that I take out a credit card in order to pay for all of their fees.
I did that. I took the credit card and paid the credit card off.
Now, years later, I am getting a letter telling me that I owe {$250.00} for XXXX work. The collection agency is Transworld Systems Inc. in XXXX XXXX PA sent me the letter.
I immediately wrote them back telling that this was a FRAUDULENT charge. I am XXXX years old!!! They must think that I do n't have my affairs in order. The truth of the matter is that I have an money manager for a wife. She has all financial transactions in her accounting ledgers. We can go back 20 years and know exactly what we paid and when those checks were cashed.
in any case, I do need your help in sorting this out with me. They may just ignore me and continue to accrue late fees.
I want to make sure that my perfect credit score is NOT harmed with this collection. thank you XXXX XXXX ( XXXX ) XXXX XXXX
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Received website online " pop up ad '' promising to remove harmful personal content on the internet. XXXX XXXX XXXX was the internet " pop-up advertising. The pop-up generated an account XXXX that stated " XXXX XXXX XXXXXXXX, " will have earned its fee only upon a successful removal. '' XXXX practices deceptive online marketing practices there was absolutely no services of any kind rendered to the " USA Citizen Voting Consumer. '' There are three levels of corporations to make this online business potentially more predatory to XXXX searching consumers. First, Corporation : XXXX XXXX XXXX is an International Corporation operating outside the federal jurisdiction of the USA. XXXX XXXX XXXX, or XXXX ( XXXX ), is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. The Corporation, contracted by ( XXXX ) XXXX operating a minimum wage contracted " boiler room telemarketing center, '' calling themselves XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Third, Corporation is a high-pressure debt collection firm named Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I signed up with XXXX XXXX to check out their Lawn care service and pre-paid in full for One year of service upfront. At the end of the one year of service, I decided to not renew. I had numerous calls from various people in XXXX XXXX asking if I wished to renew their service. I communicated that I was not interested in renewing their service. After a few days I got a letter from them stating that I owe {$170.00} for services rendered this year and if it is not paid, it would be sent to collections. Please note that I had explicitly signed up and pre-paid up front for only 1 year of service.
Thinking that this was a mistake, I called them back about it and they said that nobody informed them that I did not want to continue their service and so I owe them this amount. I responded again that I was not interested in renewing their service for another year, and also let them know that I am not paying the {$170.00} because I did not authorize or even request additional service.
XXXX XXXX decided to send this " debt '' of {$170.00} to transworld systems for collections anyways.
|
| 06/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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Im going to sum it up quickly I was a former employee of the XXXX XXXX I got terminated XX/XX/XXXX The XXXX headquarter location continued to pay my medical insurance benefits up until XX/XX/XXXX and now wants payment of the bill they paid so I do not agree with this bill so they sent it to the collection U S Treasury and then U S treasury sent it to Transworld System Inc I have sent dispute to both collection agency and nothing is getting done I am just being passed of back and fourth from both agencies. I am in the process of buying a home and its at a stand still because both collections agencies fail to do anything not to mention I sent in supporting documents and request several disputes. Please I am just asking that this 7 account get removed from my credit bureaus because i will be homeless as of XX/XX/XXXX Please thank you for helping in this matter I have supporting documents to go along with my claim. I am submitting termination letter from employee, invoice of description with dates of payments. bills from both collection agency U S treasury and Trans World system
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| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Im not sure what the collection is even for. The company calls and asks me for personal information before giving me details of my debt. However, I keep track of any bills I owe, so this was strange to me. I told them I would not give them personal information over the phone. The clarified that they had all my information, they just needed to confirm my identity. So, I asked for them to send me a letter with the debt, and then I can prove legitimacy. In todays world its hard to tell what is a scam. Plus, when they call, my phone blocks the number as scam likely so I have no idea the actual number they are calling from.
They refused to send a letter and have since called me anywhere from 3-5 times every day, Monday - Saturday, for the past year. I will ignore the call and they will call back immediately. Sometimes itll take them hours, other times just minutes. However, they always call back.
Ive spoken to multiple people and told them I will not give out person information to a creditor that will not verify information nor send me a letter of my so called debt, as I asked.
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| 10/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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My debt with XXXX XXXX was paid via insurance. However, there was an issue with billing or payment processing by XXXX, and XXXX placed the account for collection after it was paid.
Trans World Systems Inc ( the collection agency ) received the account and reported it on my credit.
I submitted a dispute via XXXX, XXXX, XXXX XXXX and the debt collection company in XXXX XXXX.
I was denied credit recently because of the negative report.
I followed up with XXXX, the validated today XXXX XXXX, XXXX, the account does not exist any longer.
I called Trans World Systems today, XXXX XXXX around XXXX EST, the rep acknowledged my dispute was on record since XXXX, but they were unable to obtain proof from XXXX, and then said they will not remove it from my credit.
This is a willful violation of the FCRA.
Then, the rep attempted to collect on the debt after acknowledging it was in dispute in their systems.
When I informed her that the debt was paid, she just violated the FDCPA by trying to collect on it, and was violating the FCRA by not updating my credit, she hung up on me.
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| 01/16/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
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Web |
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The U.S. Department of Education issued XXXX XXXX a XXXX-Total, Permanent XXXX- which clearly means that I do not have to pay back my student loans. I was served XXXX XXXX, with a Civil Suit by XXXX XXXX XXXX XXXX XXXX XXXX. I have sent them copy of my XXXX several times in XXXX. I have filed a response with the XXXX of XXXX XXXX of XXXX County Pennsylvania. I asked the court to dismiss and cease this civil case. We did file bankruptcy in XXXX. The statute of limitation in PA is four years. There were no payment made on these loans since XXXX. President Obama signed an executive order last XXXX XXXX to expedite these XXXX proceedings to stop these collecting activities for XXXX students. My main concern is how does XXXX XXXX think they can interpret federal law to their collection procedures of student loans? XXXX XXXX, and XXXX have issued me notices that the loans are forgiven. My compliant is clearly this : XXXX XXXX needs to adhere to federal laws pertaining to credit and collections practices as set forth by the United States Congress in regards to student college loans.
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| 06/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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amount : {$2700.00} More than ten years ago, I opened a sole proprietorship business account with XXXX XXXX. However, in 2014, due to a failed XXXX XXXX XXXX that left me unable to work, I accumulated credit card debt. XXXX XXXX assigned the debt collection to XXXX XXXX XXXX, and eventually, I reached an agreement with them. I agreed to pay nearly 18 % interest plus the principal amount annually. In these years, I have never been delinquent on my payments.
Last week, XXXX XXXX XXXX sent me a letter demanding full repayment of the principal amount in one lump sum. They also threatened to seek court judgment if I didn't comply with their demands. Currently, 92 % to 94 % of my income is used to pay off two other credit card bills with interest rates as high as 26 %, and I expect to clear them by the end of XXXX. Since XXXX XXXX voluntarily closed my account, they can not increase the interest rate from 18 % to 26 %. Now, XXXX XXXX XXXX has changed its name to Transworld System Inc. and is sending letters urging full payment and threatening legal action to seek court judgment.
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| 08/17/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c.
On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.
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| 10/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Notice in Fact, Be it known to all that pursuant `15 usc 1681 ( a ) ( 4 ) that I am a consumer. Notice in Fact, the United States is a Federal Corporation pursuant 15 usc 3002 ( 15 ). Since this is a corporation and I am a consumer, ANY & ALL CERTIFICATES OF INDEBTEDNESS and BILLS are the obligation of the United States pursuant 18 usc 8. I have NEVER signed a CONTRACT or PROMISSORY NOTE with TRANSWORLD SYS INC/XXXX & I believe them to be a 3rd party debt collector which is a violation of 15 usc 1692e because they are aren't the original creditor. I DEMAND to see a purchase receipt granting TRANSWORLD SYS INC/XXXX legal jurisdiction to collect any alleged debt they may claim I owe. I have also never given my WRITTEN or ORAL consent for these items to be furnished on my consumer reports which is a violation of 15 usc 1681b. Each violation listed is punishable pursuant with 15 usc 1640 & 15 usc 1692k of up to {$1000.00} per violation. So I DEMAND these items be removed from my consumer reports OR pay me {$4300.00} FOR EVERY MINUTE this item has been furnished on my reports.
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| 07/19/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Older American |
|
This is to advise University Accounting Service , LLC, DBA UAS, LLC, that I do not owe and have not owed for over 35 years any student loans whatsoever. Having graduated in 1979 from XXXX University with a XXXX XXXX, all of my student loans to XXXX were satisfied in full back in the XXXX. Given the many years since they were paid, I do not have any written proof. However, as I recall, all student loans were fully satisfied in a 5-year repayment plan under a Chapter XXXX bankruptcy. The plan was satisfied in full and, if any balances on the loans remained, the balances were discharged under the terms of the Chapter XXXX. Therefore, be advised that I have not owed nor have I been billed for any student loans for well over 35 years.
In conclusion, I believe your current attempt to bill me is a SCAM to dun seniors for loans satisfied years ago anticipating that all paperwork to prove the loan satisfied is no longer available.
This is to request you desist from your false billing. I am reporting this attempt to collect from me as the SCAM against senior citizens that it is.
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| 04/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX received medical care at XXXX, XXXX during the period XX/XX/2019 - XX/XX/2019. I am the parent of XXXX XXXX XXXX and the Primary XXXX. My health care insurance at the time, XXXX, provided 100 % coverage of all medical costs with no copay. I subsequently received an invoice from XXXX in the amount of {$370.00} under the XXXX ID # XXXX. All balances due to XXXX are payable by XXXX, however I was informed by XXXX that the amount was not paid because XXXX submitted an invoice from XXXX XXXX XXXX XXXX, rather than from the entity which provided the medical care, namely XXXX of XXXX, XXXX. I have exhausted all reasonable efforts to resolve this matter directly with XXXX, including making telephone calls and sending a letter via certified mail to XXXX. Notwithstanding the fact that XXXX warranted to me via telephone that it would properly submit the invoice, it simply continues to bill me for a debt which is not owed by me and is outstanding only due to XXXX 's negligence, and has now submitted the invoice to a collection agency, Transworld Systems XXXX XXXX.
|
| 11/06/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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I took approximately {$50000.00} in a combination of Federal and private student loans from XX/XX/XXXX to XX/XX/XXXX for XXXX separate stints in school. These were consolidated by XXXX XXXX and transferred to the XXXX. The XXXX transferred the loans to Trans World Systems. Since the transfer to Trans World the balance has ballooned to over {$92000.00} and no settlement will be considered. Upon contacting Trans World I receive lie after lie and misinformation after misinformation. I was originally told that the loan would be available for negotiation and settlement in 90 days, then told that it would be 6 months. Upon calling them today I was told that there was no negotiation and that they were shopping for someone else to buy the loan and they they had no idea if they would be open to a settlement. Exactly the opposite of what they said both 6 months and 90 days ago. No one could provide an APR or repayment terms. Trans World Systems is nothing but a band of liars and cheats who use unfair and illegal collection practices to dupe the unknowing into trusting their word.
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| 02/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I contracted with XXXX for pest control services. XXXX used the wrong product and did not control my problem. They made a 2nd attempt but failed. I cancelled their service ( within 30 days of payment ) and notified them both by telephone and in an email that I was cancelling their service and requested a refund. They did not respond within 2 weeks so I filed a complaint with the credit card company that I used to pay them. The credit card company gave me a " conditional credit '' pending resolution. The credit card company allows 60 days for the billing company to respond but they did not do so within the time allotted. Therefore, the credit card company made my conditional credit a permanent credit. Months later, Nationwide Credit issued me a notice of attempt to collect a debt on behalf of XXXX. XXXX never replied to my credit card company and now they are harassing me through Nationwide Credit to ILLEGALLY attempt to collect a debt that is beyond the statute of limitations.
Please issue a " cease and desist '' notice to both XXXX and Nationwide Credit.
Thank you.
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| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Please be advised I XXXX XXXX am demanding an immediate removal of this erroneous debt before I suffer future harm to my credit file. This letter is a demand for validation pursuant to the Michigan Consumer Protection ACT and the FDCPA, made on XXXX XXXX behalf. Your failure to respond may trigger an action for damages brought by an individual consumer against TRANSWORLD SYSTEMS INC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulate what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.
|
| 10/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Earlier this year I discovered that my electric energy supplier had been switched without my knowledge or consent. I immediately contacted my desired supplier and my supplier was switched back at the conclusion of the next billing cycle.
Shortly thereafter, I received a bill from XXXX XXXX ( " XXXX '' ) for {$99.00} representing an early termination fee. I contacted them, told them I never approved a change and asked them to cancel the invoice. They refused and referred the invoice to Transworld Systems , Inc. ( " TWI '' ) for collection. I advised TWI of all above facts. On XX/XX/17, TWI supplied me with what they referred to as material they received from XXXX. Such material consisted solely of a copy of XXXX 's invoice. This hardly supports their contention that a contractual agreement existed.
By letter dated XX/XX/17, TWI also asserts their right to charge accrued interest and " other charges as provided in your agreement with the original creditor or otherwise provided by state law '' This appalls and frustrates me since there is not nor ever was a contract.
|
| 06/02/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I rented a car for a trip back in XXXX XXXX XXXX from XXXX XXXX XXXX XXXX . I had the car for two weeks. During the duration of having the rental there was a small hail storm. Upon turning in the rental I was told that the car had hail damage. It did not hail anywhere near where I live which is where the car was located inside of my garage. When we arrived to get the rental what we reserved was n't ready. We waited 45 minutes before we even left in the rental and the car was n't gone over with us to access any damages that could have occurred while the previous renters had it. I have now received XXXX collections XXXX in the amount of {$1100.00} and XXXX in the amount of {$230.00} from Trans-world Systems INC. Collection ag ency. This is n't accurate this is fraud. I am NOT responsible for the damages to the rental because it did n't happen while it was in my possession. If these collection accounts are n't resolved in a timely manner I am filing a class action law suit against the collection agency as well as XXXX XXXX XXXX XXXX .
|
| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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On XX/XX/XXXX, I shipped two envelopes from a local XXXX store. The total charge ( for two photo envelopes, each sent to different addresses ) came to a total of {$32.00}, per my credit card statement for the month of XXXX. I used a rather unique combination of my name and my partner 's name ( we do not share a last name ) to send the envelopes.
On XX/XX/XXXX, I received a collection notice from Transworld Systems , Inc dated XX/XX/XXXX, addressed to the same unique combination of my & my partner 's names, stating that we owed a debt of {$1000.00} to XXXX, and that XXXX had turned the debt over to Transworld Systems. At no point prior to this had XXXX tried to notify me of any outstanding debts, nor was there any indication that there would be any further charges after I paid to ship the envelopes. I am sending a debt validation letter to Transworld Systems today, but I have read that they unlikely to remove the debt ( or will likely just send it back up to XXXX ) without me filing a CFPB complaint, as well. I will also attempt to file a police report later today.
|
| 05/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I contacted Transworld Systems to pay off a debt that is incorrectly being garnished from my federal XXXX annuity. Total due was {$480000.00} My check has been garnished since 2021 but I noticed that the total amount was wrong. But, in order to stop garnishment, I was willing to pay the TOTAL AMOUNT DUE. The collector said that he wanted an additional XXXX in collections fees to close the debt. after trying to explain I had paid two years of collection fees and penalties, that there is no need to incur fees when i am coming today to pay the debt owed to XXXX XXXX XXXX XXXX in full today. They refused to take my money. I guess they know that if I dont pay, the will receive thousands of dollars in future collection fees. This is a debt collector hired by the government to collect a debt. I am willing to pay off the full balance. I tried to call the orginal creditor and they refused to take my full payment as well. Im a XXXX veteran, I have very little money. I am trying to make good on a debt and they wont let me pay it off. Is this what I served America for? Really?
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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|
Move out an apartment on XX/XX/ by the name of XXXX XXXX XXXX. Provided apartment personnel with keys and signed move out paperwork. Also provided office personnel with forwarding address. Security deposit was never sent so I figured they kept it even though they shouldnt have because apartment was nasty and infected with roaches upon move in. I couldnt take the XXXX any longer, I would turn on the lights in the morning and they would scatter every where. Cleaned entire apartment and relocated. As of today there is a collection on my credit and has been since XXXX of XXXX not even 30 days from moving out. The collection is only XXXX. The fact that I wasnt made aware of this debt by the original apartments and a debt of a lousy XXXX was placed on my credit is sickening because something so small could have been paid if I were NOTIFIED because I provided a forwarding address. The original apartment company didnt even give me time to be made aware of the debt or time to had pay it. Ive contacted this company and got a response with a list of charges and the balance :
|
| 06/25/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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On XX/XX/2018 I called to attempt to settle my debt with XXXX XXXX. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XX/XX/XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
|
| 03/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found a collection reported on my credit report in XX/XX/XXXX from TSI. Prior to this I would receive repeated phone calls but no voicemail. ( Bill collectors constantly call in regards to my father... so I don't answer my phone unless I can recognize the number or a voicemail is left ). I called TSI to ask why I was sent to collections when I have no personal/business relationship with them. They explained that they are a debt collection agency and XXXX sent me to them for a serious debt/collection of {$360.00}. I tried to explain that I do not have any accounts with this company and hadn't received one single form of communication by mail, email or phone call regarding any debt from this company prior to this notification on my credit report. After, repeating several times that I do not, nor have I ever had any open accounts in AZ since moving away in XXXX they answered it was fraud and would send me paperwork to complete. They said it would take 30-90 days. I have received no documents. And now I have a blemish on my credit report. TSI Transworld Systems Inc.
|
| 03/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of via Medical Insurance, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX, 2016, I submitted a formal cancellation notice to XXXX XXXX XXXX XXXX, a massage therapy company which operates in multiple States across the US. The arrangement is that customers sign up and pay a monthly fee of {$59.00}. The contract that I entered into was a " month-to-month '' agreement, which was subject to cancellation by the customer with 30 days written notice, which I submitted, at the direct instruction of the Company on XXXX/XXXX/2016. However, XXXX XXXX XXXX refused to cease the monthly billing to my XXXX XXXX credit card. With the assistance of XXXX ( I reported this practice as fraudulent to XXXX ), I was able to have XXXX XXXX XXXX removed as an authorized creditor with charging rights to my XXXX credit card account.
Beginning about six months ago, I began to receive progressively more aggressive phone messages from XXXX XXXX XXXX demanding payment of {$230.00}. Three months ago, XXXX XXXX XXXX turned this matter over to their collection company, Transworld Systems , Inc., which has been hassling me regularly via mail since that time.
|
| 12/08/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To start off the actions that were available were not the correct actions I need.
This is more about reporting the wrong information on my credit report.
I spoke with XXXX in XXXX about making payments on my XXXX XXXX at the XXXX account for XXXX. We agreed that my first payment of {$40.00} will process on XX/XX/XXXX and the monthly payments of {$50.00} will be paid on the XXXX of every month. I check my credit report and it says in XXXX and XXXX I paid late. It does not show that I paid in XXXX or XXXX. If I am supposed to pay the XXXX of each month, how am I late in XXXX when the XXXX has not come yet. And when I log into my account I see the wrong dates of payment- they said I paid {$41.00} on XX/XX/XXXX and {$50.00} on XX/XX/XXXX ; when I paid {$41.00} on the XXXX of XXXX and on the XXXX of XXXX I paid XXXX. They are reporting the wrong information to my credit report and it is making a negative impact on my score.
I need them to correct the right payments dates in my account and correct the failed to pay negative remarks removed from my credit report.
|
| 11/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Received bill for tolls by mail. The bill showed me as a class 1 vehicle in one direction and a class 4 vehicle in the other. I was in a class 1 vehicle in both directions. Same vehicle, same license plate as shown on the bill. I notified XXXX XXXX and XXXX authority by mail and included payment of the corrected toll by postal money order. They ignored my notification and continued to bill me the additional money adding on fines as they went. They gave the account to Transworld Systems in XXXX OH. I sent them all my paperwork along with a letter outlining the problem. They have ignored my proof of payment and continue to bill me for the extra toll and fines.
I think XXXX XXXX is acting in a capricious and arbitrary manner, ignoring my proof of payment. I tried to file a complaint with the XXXX but was turned down, as it is outside of their ability to address a concern with a state government agency. I am attaching my correspondence that is dated and speaks for itself.
Thank you in advance for any help you can provide.
|
| 08/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX transferred my debt to a collection agency called TRANSWORLD SYSTEMS INC . I never received a letter or phone call from TSI until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] in XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the TSI office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt.
it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
|
| 08/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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I received a dunning notice from TSI, Transworld Systems Inc, alleging I owed {$18.00}. My records show this debt was paid, and had been waiting on Medicare and my Medicare Supplemental Insurance to pay with no update provided to me. The very fact that TSI is involved for an {$18.00} charge underscores that Medicare was billed too much by the provider but more importantly it underscores that TSI is a crooked firm that does not verify the accuracy of their alleged debts. If TSI can handle an {$1800.00} debt, then they are using slaves or overseas labor, or they have nefarious intentions of shaking down the public as they can not even answer a Consumer Finance inquiry for {$18.00} if they are using ethical labor and ethical tactics. I DO NOT owe this debt, and I am requiring TSI to acknowledge their incorrect information and to make a formal, written apology to me. By the way, Medicare is NOT efficient but it is a Federal agency that is too big to ever be efficient. Just like TSI is too big for their XXXX, documented to be inefficient, inaccurate, and crooked.
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| 03/16/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to XXXX XXXX XXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to XXXX XXXX XXXX on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to XXXX XXXX XXXX, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount.
I contacted XXXX XXXX about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.
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| 06/12/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was a member of the XXXX XXXX XXXX XXXX at XXXX starting in XX/XX/2017 but when I began suffering chronic XXXX XXXX from the XXXX XXXX diagnosed after my enrollment I contacted XXXX XXXX in person requesting refund for the unused 11 1-Hr PT Sessions for {$740.00} explaining that the PT is not suitable for me. I followed-up in person and by email on the refund request writing to the Membership Manager, the PT Manager ( XXXX XXXX ) and the General Manager ( XXXX XXXX ) several times over the next few week weeks. But to no avail at which point I requested my bank to process the refund for services not used by me. As a retaliation I was sent a letter from a Collection Agency on behalf of XXXX XXXX XXXX XXXX at XXXX claiming that I owe {$1600.00} which I paid in advance & in full. There is no contract that stipulates they will not refund for unused sessions especially for health reasons which is all I wanted.
XXXX XXXX XXXX XXXX at XXXX is a unit of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Telephone : XXXX
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| 02/22/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I received a call from TransWorld trying to attempt to collect a debt from me for a bill due to XXXX. I had no idea who these people are and called XXXX to confirm that my account is in good standing.
On XX/XX/XXXX, I received a letter for the first time in the mail indicating that I owe XXXX {$180.00}. I proceeded to call XXXX to find out and after two rounds of transfers and a long hold, another representative got some info and indicated that I owe XXXX for a bill back in XX/XX/XXXX but was not able to give me any further details due to their new system. I was told someone will call me back the same day and give me more details. I have since to receive a call back from XXXX nor do I know what this debt is all about.
I moved to California from XX/XX/XXXXand moved back to Maryland in XX/XX/XXXX. I also have a new XXXX account in my name about a year ago and they ran a credit check on my info. I am disputing this erroneous debt that they claimed to be unpaid in XX/XX/XXXX under my name when in fact I did not live in Maryland at that time.
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| 04/16/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I got a phone call from Trans World Systems. They stated that I owed a debt to a medical doctor back dating back to XXXX. I had recently seen this same doctor on XX/XX/XXXX, and they said I dont have any pending balances.
The associate with Trans World was very rude and was hesitant to get my card information to pay for the amount owed. I had told them I can pay the amount this coming Friday ( XX/XX/XXXX ) but that I would call in to give my card number and payment and that I didnt feel comfortable giving them my card number right now. And I also asked to validate this debt but the individual told me that supposedly since XXXX they have been trying to contact me, but I havent gotten calls nor correspondence from this collection agency.
They were hesitant and they just hung up on me and said they were going to take notes. I then immediately called the doctors office from where supposedly the original debt is from. They said there is nothing on file and on the contrary, I have a {$40.00} credit on my account and no due balances are listed.
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| 04/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Had a medical bill of {$110.00}. Balance is {$0.00}. Never received a letter of payment. Have spoken to Transworld Systems Inc. ( TSI ), multiple times beginning ( recently ) on XX/XX/2021.
I was told that yes I had paid, and then no I did not pay. I was told a letter confirming I had a zero balance was coming by fax and/or letter XXXX times. Then I was told no letter had been sent. Then I was told I would not receive a letter.
I have been told Transworld did not report the event on my credit report ( see attached ).
I have been transferred approximately XXXX times, disconnected, different conflicting statements by each person I communicate with.
I have a XXXX balance, they XXXX saying a letter was sent, and then they said they wouldn't send the letter. In the middle of a question they put me on hold to shut me up.
I just need a letter stating what their records show, that they were required to send but didn't. They've XXXX to me for weeks. I have no way of knowing if anything they say is true because their story keeps changing and they've XXXX.
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| 04/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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When applying for a mortgage in XXXX, I was informed a derogatory account was on my credit report from a company called Transworld. I've never heard of or done business with them. I tracked the company down and was told I owed a medical debt of {$120.00} to a lab in New York. I had moved more than a year earlier to Colorado. I explained I never received a notification of the bill. We had gotten new insurance, in a new state. I offered to pay the debt immediately. However, Transworld told me once paid, they would not remove the derogatory account from my credit report. I explained I had no notice of this bill or opportunity to dispute and would have paid had i known. They told me " we aren't here to help you. We work for the client, XXXX '' and hung up on me. So I called Ameripath/quest diagnostics and paid the bill directly to them onXX/XX/2021. However, they have still refused to remove the derogatory account, which is affecting my mortgage. It is the only blemish. It's unfair to have been given no notice. My phone number didn't change. They didn't call.
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| 05/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was fighting a bill with XXXX XXXX XXXX in XXXX, NJ back inXX/XX/2017 Before the complaint was resolved, they sent my bill to collections, XXXX , XXXX After some time, I started making payments, online, to XXXX. Unknown to me, this debt was suddenly transferred, without notice, to a company called Transworld Services Inc.
After speaking with them numerous times, they will not allow me to make payments online. They online system also does not keep track of payments made, and the only notice you get is when the debt is paid in full. So there is no way to trace the payments I made to them. I am also not comfortable giving out my information over the phone to a company I know nothing about. They have over 70 complains on XXXX XXXX as seen below : XXXX XXXX XXXX I also refuse to have them keep my credit card on file. So there is no way to make a payment to these people and have any paper trail of the payments being made. They also lack a technical support dept. to try and find out why payments can not be made online as I was able to do this through XXXX.
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| 04/02/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I went to XXXX XXXX Medical Center onXX/XX/XXXX I was billed XX/XX/XXXX and a check was written out to the hospital on XX/XX/XXXX and I do have a copy of that check. After I paid the bill I continued to receive collections notices of the same amount from Transworld Systems Incorporated. They clearly believed that I still owed the already-paid debt so I decided to call Transworld Systems Inc., unfortunately I did not keep track of those dates but I called several times. Someone eventually called me back to say the debt that was already paid would be resolved. I decided to send them a letter and proof of payment this was sent on XX/XX/XXXX. As of todayXX/XX/XXXX they still have the debt of {$120.00} as still owed, even though it was already paid. I would just like to know when this will cleared if ever? I was notified by my bank sometime in late XX/XX/XXXXthat the so-called debt of {$120.00} was bringing down my credit score. I do not know what else to do at this point. I have all my papers, bills and a copy of the check that was maid out to the hospital.
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| 09/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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University Accounting Services with XXXX University is threatening collections and reassignment to the Department of Education on a loan that was repaid in XXXX - I was in a car accident, had competing medical bills, and went into default on the loan while away from school - I was required to pay the loan in full with a collections agency ( XXXX XXXX XXXX ) prior to returning- I did pay, XXXX lifted the financial hold so I was able to register and finish - I received no contact from UAS until XX/XX/XXXX, threatening reassignment - I have contacted XXXX and XXXX XXXX XXXX, both of whom have confirmed the loan was paid - UAS refuses to drop the charge of XXXX. They claim not to work with XXXX XXXX XXXX, even though the account information at XXXX XXXX XXXX directly matches the account information from XXXX ( too many digits to be coincidence ). XXXX has contacted UAS to confirm the loan has paid, but XXXX will not budge- This is unequivocally fraud - I have no idea how many other students could be affected by similarly predatory and fraudulent accounting
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| 02/16/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Transworld systems has been reporting to all 3 credit bureaus, false and INACCURATE, UNVERIFIED information on my credit report. Not once have they even attempted to validate this so called debt which does NOT belong to me.
i have requested validation, not verification of this so called debt that have been reported to them by XXXX XXXX. I have recieved a response that clearly VILOATES my HIIPPA. Transworld systems failed to provide me a HIIPAA release that releases any medical information to them, therefore they are in VILATION of my HIIPAA rights. I am aware of this violation and i plan to proceed with any legal action as prescibed by law against your company as well as Transworld and XXXX XXXX for these violations if this item is not DELETED within the time allowed by law. I will also file suit against Transworld as they are held responsible for reporting this violation.
i urge you to take this matter serious and I expect a response from you within the allotted time given by law.
regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, indiana XXXX
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| 05/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Since starting back in XXXX until last year XXXX ( last certified was sent on XX/XX/XXXX ) I have been trying to get TransWorld System Inc to provide proof that an erroneous debt that they are trying to collect on and has put on my credit report is indeed my debt by showing proof of a contract and not by validating with photo copies of a bill ( s ). To this day and as you can see from past complaints, they have still failed to provide the proof. I have sent numerous certified letters asking them for the information to send accurate proof and all they continue to send is a photo copy of a bill. They have this account in collection under their company in the amount of {$610.00} to this day reporting, but again can't prove that the erroneous debt in fact belongs to me. Providing a photo copied bill is not proof of validation anyone can do this with technology nowadays. It is a violation for TransWorld to continue to report after without being able to provide the proof after a certain amount of time and continue to report to the Bureaus without the proof.
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| 11/26/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Debt Collection Company is Transworld Systems Inc.
Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have called several times about a debt that isn't mine.
The Debt is apparently for some apartment application fee for apartments in California for a XXXX XXXX apartment complex. I have lived in Utah my whole life and have never even considered living in California. The debt is for a small amount like {$81.00}. The Creditor calling me had a strong accent like they were from a call floor in a different country. They started asking for personal information. I gave them my Bday to verify the account and then I told them I didn't feel comfortable giving them more information. I don't them several times the debt was not mine and they said they would mail out proof. They never sent me any proof and now have reported it to the credit bureau. XXXX has removed them but the other credit reports still are taking their time to process the dispute. I search for reviews only and this company has a history of claiming fake debts to try to scam consumers.
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| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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XXXX is currently reporting me to XXXX credit services as Failure to Pay. there are two problems here.
1. the same account appears twice on my XXXX report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem.
2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old.
XX/XX/2018 contacted XXXX was told there was nothing they can do, directed me to call XXXX.
Called XXXX put in a dispute saying the debt is a duplicate account.
XX/XX/2018 Notified by XXXX that XXXX validated both accounts.
Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call XXXX back to dispute again.
Called XXXX back they said no they cant dispute again without me having some additional information.
called XXXX back, they said they will try to fix it but can promise anything.
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| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
Servicemember |
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I have received repeated calls from " TransWorld Systems at XXXX and XXXX regarding a debt owed to a local public college.
Every time, I inform the person calling that they are contacting me on my cell phone at an inappropriate time. I have asked every time for them to cease and desist calling me, and to send me correspondence via the mail confirming who they are, information about the debt, etc.
They outright refuse to do so and continue to call me - and speak rudely and unprofessionally over the phone. Even after I explain that I have instructed them multiple times to stop communicating with me over the phone and send me correspondence to my address, they continue to try to ask questions over the phone.
This company, TransWorld Systems, should be fined and ordered to end these practices immediately.
Companies that harass consumers and use unfair or illegal practices to collect a debt should be forced to compensate the aggrieved consumer in the amount of the debt they are attempting to collect as a penalty and deterrent against this practice.
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| 12/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I used a hospital XXXX service earlier this year. All costs were disclosed to me in writing, and all were settled. Months later I receive a bill from a phony " physician management company. '' I never even saw a physician. I found out that this XXXX LLC company does NOT exist under the laws of that state according to their Department of State.There is no such name as XXXX XXXX XXXX XXXX. They listed a p.o. box as their address, which is not allowed. Now this phony company has contracted with a debt collector, Transworld Systems , Inc., to collect on a fake debt. The state of XXXX tells me that this company is actually a front for a XXXX Corporation System, XXXX XXXX XXXX, XXXX XXXX XXXX. This phony " physician management company '' is in collusion with debt collectors and both are preying on people and trying to extort money for services never received. If there is no company, then there is no debt, and both this bogus company and the debt collectors are guilty of theft by fraud. Please break up this ring of thievery and please prosecute these people.
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| 12/12/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was contacted last week by a collections agency saying I owed {$650.00} for an unpaid energy utility debt from 2021.
They could not give me much information, except for the service dates and account balance and the company who filed this collections notice.
I contacted XXXX XXXX XXXX, the filer of the notice. They explained that I was not in their system. I contacted my old energy provider at the time of this service date, and XXXX had no record of me either.
After calling the collections company 3x, they finally gave me the service address, and I recognized it from a scammer who had used that address to setup a comcast account. I filed a report for this through this same process that I am now.
I then googled who provides energy for that area of Texas, and called the company using the address I was given. Sure enough, they had a record. The rep called with me into XXXX XXXX XXXX, and disputed the amount. They want a police report and a ftc fraud report as well.
The service dates are from XX/XX/2021 to XX/XX/2021 and the amount is for XXXX.
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| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2022 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents, the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, and there were no personal signatures proving those documents are ( 100.00 % ) verified. Also, they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2022 and their response was the exact same documents. At this point their being very negligent and have violated my consumer rights.
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| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XX/XX/2023, I received a letter from Transworld Systems Inc about a collection of debt from XXXX XXXX XXXX. The letter advised to contact them by XX/XX/2023. Also, on XX/XX/2023, my significant other received a phone call from this company asking personal questions about me and seeing if he knew anything related about this debt. XX/XX/XXXX, I reached out to a nonprofit Debt Management company called XXXX XXXXXXXX XXXX to go over my options. She advised me not to contact the debt collection agency and that they would go through XXXXXXXX XXXX first. On XX/XX/XXXX, one of my sisters received a phone call asking personal questions about me and trying to collect a debt. Therefore, I used an online E-form to contact this company to tell them to stop contacting people that know me and to stop all communication with me until they have heard from XXXX XXXXXXXX XXXX. They have no right to contact my associates and they shouldn't have contacted me until after the date that they provided to me. What measures did they go through to get their contact information?
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| 06/16/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Company : Transworld Systems Inc.
Issue : Delinquent debt of {$280.00} negatively impacting my credit report found while attempting to gain security clearance for a XXXX job. Credit Report shows account opened in XXXX. I have no idea if I owe this debt. I attempted to call the number for this company on my credit report.
Incident : XX/XX/XXXX, XXXX XXXX - Called phone number on credit report to resolve issue, on hold for 38 minutes, when agent finally answered, I could barely hear her due to crackling and language barrier. After repeating for clarification multiple times and agent becoming aggressive because I could not understand her, it was determined that I could not verify amount of debt owed, what debt was for or any other information unless I gave her a credit card number. Supposedly, upon submitting cc info, I would receive a verification code then they would supposedly verify the debt owed. I refused to comply as this appears to be a scam. I have never had to give credit card information to retrieve account or payment owed information.
|
| 02/01/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Transworld Systems is reporting a student loan from original creditor of XXXX XXXX XXXX to my credit report. I have a final statement from the original creditor XXXX showing the account paid and a XXXX balance. This debt has been previously sent to a different collection agency with the name of XXXX, this company contacted me and i sent them the statement of proof of XXXX balance and the account was removed. Transworld systems is now trying to report the same loan from the same creditor with a higher amount and incorrect date despite it being paid in full and was never with a collection agency. I contacted Transworld Systems and was told the account is with their legal department and was given their phone number, i spoke with them promptly and was told the account with them has been closed for a long time and that i have to speak with Transworld systems. However they refuse to speak with me regarding the account. I have PROOF this was paid and was not a collection account, yet they are still reporting it to my credit report on all 3 credit bureaus.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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on XXXX XXXX 2014 i maid a contract with XXXX company for lawn service and we agree to cancel contract any time with no penalty for cancellation ( iam sending you copy of contract ) for my house thy promise my in XXXX to XXXX mounts everything will be green. After XXXX mounts my lawn was getting ugly and worstI called to company and spoke with XXXX to cancel contract he told me give us XXXX more chance and i will com to your house personally see WATS going on he never came and thy continue charge and take money from my credit card on i called again and cancel my contract and i told them i am not happy with service and i do n't want to your workers com to my property no one deed not came for service after XXXX and thy continue charging my credit cardI called my credit card company and stop the payments and dispute the charges credit company send them request and no answer from them and refund my money XXXX for the XXXX time services witch i never receivedAfter that thy start abusing me with tel calls and letters and some collection agencies {$180.00}
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| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was advise that a collection of {$9800.00} was due to the XXXX XXXX XXXX for apartment complex. the information provided was incorrect as I gave the 30 day notice to XXXX XXXX who was the Recertification Specialist on XX/XX/XXXX due to the property being sold to another company and i was not staying on board as an employee with them but staying with the XXXX XXXX XXXX as my employer. I paid my lease all the way up to XX/XX/XXXX as my lease was from XX/XX/XXXX to XX/XX/XXXX. I have bank printouts showing the online payments and POS transactions that I was making each month with the employee discount along with the new rental payment. I gave possession of the keys to XXXX XXXX on XX/XX/XXXX at the front door as the office had limit access due to Covid-19 restrictions. The information they have is inaccurate from the cleaning to rent due. I asked for documentation that the unit was dirty and to provide evidence that the tub was resurface prior to me moving it. they didn't provide non of the cleaning information prior to me moving in and moving out.
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| 10/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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XX/XX/XXXX my wife and I were sent to XXXX XXXX Doctors by our local doctor for XXXX antibodies Infusions. We filled out all the required paperwork and paid our {$30.00} copay fees. They would not do anything till this was done. All was well until on XX/XX/XXXX we started receiving individual bills for the {$30.00}. We contacted XXXX on XX/XX/XXXX she informed us something was incorrect and she would call us back with an update in a couple weeks. She said she would change the due date as not to harm our credit. ( never called back ) We both got new bills on XX/XX/XXXX. We called on XX/XX/XXXX and talked to XXXX said complaints were in review would take XXXX days but she would expedite to supervisor. No more bill for wife after that. I received a bill XXXX and XX/XX/XXXX. Talked to XXXX on XX/XX/XXXX she said she would check into it and call me back. ( never called back ) Received a notice from XXXX XXXX XXXX XXXX for the {$30.00} from XXXX XXXX XXXX.
Attached is my bank statement with separate charges on XX/XX/XXXX for services at XXXX XXXX XXXX
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| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio XXXX is making a fraud claim on a bill that I do not owe and never was sent. In XXXX my Light Company was and is still XXXX XXXX. They claimed that XXXX XXXX has sent them a bill from XXXX ( XXXX ) for the amount of {$180.00} dollars. Then when I called Portfolio they came back and said that the bill was from XXXX. All of these years I have not ever been sent a collections letter or a bill from XXXX XXXX. A couple of years ago they tried with XXXX XXXX XXXX and found out that XXXX XXXX XXXX said that they does not even use them as there collections company. I have no past due debts on my credit file. In XXXX my name was not the name used on the letter. You can see that they is attempting to scam and defraud me. Before XXXX I was with XXXX and then XXXX XXXX XXXX. You can see that all of my bills is not in the listed name on the scam and defraud letter from them. If the debt was in XXXX as claimed, why send the letter date XXXX, and why wait 13 years to attempt to collect a debit. TX Law says 7 years in order to attempt to collect a debt.
|
| 09/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I received a letter from Transworld Systems Inc. in early XXXX indicating I had an outstanding debt from XXXX XXXX account number starting with " XXXX '' which I do not recognize. I never received a bill from XXXX XXXX and they never attempted to collect any money from me. TSI also provided no additional information to verify what the amount is for. The letter did state I had until XX/XX/XXXX to respond by disputing or asking for additional information, but provided no date for when payment is due.
I then received a second letter less than two weeks later attempting to collect the debt again with even less information. Upon viewing the payment site, it looks fraudulent and none of the phone numbers, logos and addresses match. I can even enter an incorrect SSN into the registration site when attempting to review the debt.
This is highly unprofessional and has me concerned this request is fraudulent. If this is a first attempt at payment, then a due date should be provided and respected. The harassment of sending multiple letters is disturbing
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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A debt collections agency, Transworld Systems, has harassed me for several months attempting to collect on unpaid bills to XXXX XXXX, a Texas based utility. The amount is {$890.00}. My credit score has been greatly impacted by this event dropping by nearly XXXX points.
I do not owe these amounts. It is an impossibility for me to owe XXXX XXXX {$890.00}. I have no account with XXXX and have never lived in Texas within their service area.
Over the past month I have reached out directly to XXXX and requested detail of the SSN and account detail associated with the unpaid bills to support conversations with the XXXX XXXX XXXX and Consumer Financial Protection Bureau. I have received no engagement from Transworld or XXXX.
- The collection was filed XX/XX/XXXX in the amount of {$890.00} owed to XXXX XXXX XXXX filed XXXX complaint against XXXX XXXX XXXX XXXX responded on XX/XX/XXXX. XX/XX/XXXX - - response from XXXX attached.
- XX/XX/XXXX reached out directly to TSI and received no response - XX/XX/XXXX filed XXXX complaint against Transworld
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| 04/29/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2021 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, there were no persons signatures proving those documents are ( 100.00 % ) verified. Also they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2021 and their response were the exact same documents. At this point their being very negligent and have violated my consumer rights.
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| 05/11/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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I was attending school at XXXX XXXX XXXX , when they abruptly closed in XXXX XXXX . I have tried contacting the lender and third party lender about the situation. I never completed my program of study, nor received any credits from the year I was attending school. All they can tell me is that since it 's a private loan, there 's nothing they can do. While attending, I made payments towards the loans. I have XXXX loans opened in my name when I should have only had XXXX . So now I 'm stuck with about {$15000.00} debt for something I will never see. It is very discouraging and I have n't had a chance to even start school anywhere else yet because I 'm still dealing with this problem. I 'm almost XXXX XXXX XXXX and I can not have this. It 's hard enough knowing that I might have to be a XXXX for the rest of my life. I really wish someone could help me instead of transferring me to someone who might be able to help or giving me another number to call that does n't even pan out. I 'm at the end of my rope. Please help!!
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| 08/11/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On or about XX/XX/XXXX, a collection account for {$140.00} appeared on my credit report from Transworld System for debt I allegedly owed XXXX XXXX XXXX. I was seen at the XXXX XXXX XXXX Emergency Room on XX/XX/XXXX and my insurance was billed over {$5000.00} for the visit. I personally owed {$350.00} not covered by insurance and paid the bill within hours of receiving it. When this collection appeared on my credit, I called XXXX XXXX XXXX first and they said that they can't help me because they never sent my account to collection by Transworld System. I disputed the account with XXXX who ruled in my favor within an hour. But it remained with XXXX. I also disputed it with XXXX on XXXXbut the outcome of their investigation is that the collection account was verified as accurate, which it is not. I have also tried calling Transworld System but they do not pick up the phone. My credit score was in the mid 700s until this incident when it dropped by 100 points overnight while i am trying to purchase a house. Thank you in advance for your help!
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| 04/25/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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I recently filed a CFPB complaint against XXXX XXXX and TransWorld for their abusive and unfair Debt Collections practices. Both cases were closed and I have new evidence that Tranworld is abusive and they are violateing the law. Attached will be the response from XXXX XXXX. They responded by attaching all paperwork pertaining to how my SSI Check is being garnished and it also shows as of XX/XX/XXXX my balance was {$2100.00}.
The paperwork that TransWorld sent shows a balance of {$2500.00}. This clearly shows the discrepancy in the amount owed. TransWorld called me approximately XX/XX/XXXX to collect on this debt when I refused to give them more money they added more collection fees. It drastically dropped my credit score ( 66 points ) and I'm in the home buying process. I would ask that this matter be referred to the FTC for further review. TransWorld is impersonating as a government official because my SSI checks are being garnished and I feel like the company is treating this debt like government debt when this is a store credit card debt.
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| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX XXXX has provided my work address to two different debt collectors.
XXXX XXXX XXXX, is the second debt collector that has sent mail to my place of business concerning a debt from XXXX XXXX. The mailing is attached.
On both occasions, the person that receives the mail sent to that address opened the mail, not knowing that it was personal mail.
I have never given XXXX XXXX this address as a method of contact for me.
I contacted XXXX XXXX on XX/XX/2023, around XXXX a.m. central time, to inquire about the address and to inquire about the status of my accounts. I wanted to know if my accounts had been sold to a debt collector or placed with a debt collector for collection purposes. I was not given a direct answer to those questions. The XXXX XXXX representative told me that another " Team '' was handling my accounts.
I learned from a previous complaint filed against, XXXX XXXX XXXX, that the address was obtained from XXXX XXXX. The response letter from XXXX XXXX XXXX, stating that the address was obtained from XXXX XXXX is attached.
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| 08/31/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have a collection for a medical debt from TRANSWORLD SYSTEMS INC on my credit report that originally appeared in XX/XX/XXXX. They have never attempted to contact me in regards to this debt, yet it continues to accrue interest. I have attempted to call them a few times over the last year or so, but never was able to reach anyone.
I filed a dispute with the various credit agencies last year ( XXXX ), and it was removed from two of the agencies. However, XXXX sent a validation request to TRANSWORLD SYSTEMS INC to confirm the debt. I received something in the mail, but it did not contain any account information or any other information about how to resolve the debt, only that the debt existed.
To this day I still have not received any communication from TRANSWORLD SYSTEMS INC. I have not received anything in the mail, and I have not received any phone calls or voicemails from TRANSWORLD SYSTEMS INC.
It seems very shady to place a collection on someone's credit file, but then not contact them so that the debt continues to accrue interest.
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| 02/20/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had an XXXX XXXX account and found it to be a terrible service so I cancelled it in XX/XX/2021. I kid these people the monthly fee for XXXX in the amount of {$29.00} and then another {$120.00} for a service call to use the service the last time which was taken on XX/XX/2021. I told them to no longer charge me as I am cancelling. They continued to try and take money out my account so I had my bank block them from doing so. Now Im getting a debt collection letter from another company stating I owe XXXX XXXX another {$88.00} which is completely false as I paid them in full my last month and no longer wanted their products. I called them many times and either never get an answer or I get the run around. Please dispute this as my credit is very important to me and I never have unpaid debts. This should be removed from my credit report and field as inaccurate and at this point fruadulant.
Original account info XXXX XXXX XXXX : Phone XXXX ( XXXX ) XXXX Debt collector that now has the account : Nationwide credit inc : Amount {$88.00} Phone XXXX
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| 04/23/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Contacted Collectors several times .They have never validated he debt .But continue to report it on my credit report.
FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 f ( 8 ) Any language or symbol on the envelope that indicates the communication concerns debt collection 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 3 ) Must state Right to Dispute within 30 Days 1692 g ( B ) Collector must cease collection efforts until debt is validated FCRA violations : Re-aging the debt, reporting re-aged date of last delinquency.
Letter is attached with a image of account listed on my credit report.
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| 10/07/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Amount of {$90.00} for an hour parking at XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
It took me over an hour of driving around to find parking throughout this historic neighborhood. I went in and out multiple times of different and the same parking lots since they were all full. I did park and pay at a Parking space and then I also parked at another handicapped parking spot. I also had to input the make and model vs the license plate. There were also people taking cash payments in some of them. It was chaotic. They have provided a pic of a moving car... Yes a car in movement in a parking lot. Not a parked car. This is unacceptable. And as I said, I also paid someone and cash to park. They need to have signs to say how they collect and how if you fail to keep your stub 3 months later as proof, a {$100.00} payment will be requested. I demand for this to be removed. For any parking facility to have ample handicap spaces close to were payment is to be made and a notice to keep your stub for 3 months down the row in order to provide proof of payment.
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| 05/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I did go to the hospital but never received a bill in the mail, nor was my bill ever explained to me. The bill went to collections and I paid the balance in full immediately by phone with the promise of the collections being removed from my credit report. There were two collections from the same collector for the same hospital visit, it was just split into two separate bills and therefore separate collections somehow. I've previously disputed this situation via the CFPB who contacted the collector XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX and XXXX. Results from XXXX are still pending. The debt collector, XXXX XXXX XXXX, contacted the bureaus on my behalf as well and requested to remove the account from my credit report. The collection company did in fact confirm the collections should be removed. However, only one of the collections was removed from my account. One collection still remains and is reflecting poorly on my credit report. Probably a clerical error but it still needs to be resolved in exactly the way it was promised to me.
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| 01/04/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a spider issue so I called XXXX on XX/XX/XXXX. I paid for 3 months of service to spray for spiders. I did not see any decrease in spiders at all so I canceled the service. I got confirmation of the cancelation of service and no amount due.
But after that I got a dozen letters with due bills from XXXX saying things like my account was overdue and I must pay now. I threw the first few away knowing they were spam but they kept coming, so I called XXXX and confirmed I did not have any outstanding balance. I told them to stop sending me spam bills.
But the bills kept coming and a month later I got a collections letter from Nationwide Credit which it said my outstanding balance with XXXX was referred to a collections agency and I must pay. I called XXXX again and they again confirmed I have no balance and my service is canceled. They promised they would follow up with the collections agency. But they have not followed up with any of my complaints and I keep getting bills that I do not owe ( still coming as of now which is XX/XX/XXXX )
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| 03/17/2017 |
Yes |
- Debt collection
- Federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Transworld Systems Inc. contacted me mid XX/XX/XXXX stating my debt with them ( I had a student loan default ) was bought by " another company '' but TSI was continuing the collection services. TSI said they would no longer honor my previous payment arrangement of {$120.00} per month which I have been paying consistently since the debt was bought by TSI. The telephonist was super aggressive and said they would only consider a monthly payment of {$280.00}. They said they would contact my mother ( who was the cosigner ) and begin trying to collect from her and they would not stop until the debt was collected in full. The debt amount is around XXXX. I bargained them down to a figure of {$140.00} per month. I then get a letter from TSI on XX/XX/XXXX ( about a month later ) stating they would " honor '' my " previous payment arrangement. '' I suspect they have this scam going where they attack people and get them locked into a new higher payment schedule before they send out any letters stating they 're obliged to honor previous arrangements.
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| 04/16/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In a nutshell, this company is currently jeopardizing my ability to purchase a home by reporting a collection account for a medical bill that is not mine. I am fully insured ( I pay top dollar ) and have been for years.
The medical bill in question occured on XXXX/XXXX/XXXX and at some hospital in texas that I have never been to. Also, I live in los angeles. When I called the debt collector ( Transworld Systems ), they claim there was no social security number attached to the claim they picked up but a birth date in XXXX ; I was born in XXXX.
I do n't know whose debt this belongs to but the mere fact that a collection account has been reported under my name for a service unassociated with me while my spouse and I are in the midst of a home hunt should be iiegal and I wish to seek damages.
They are currently in the process of deleting the collection but the inconveience and potential money this may cost me should be criminal. People are exploited every day by these companies while the government turns a blind eye. I 've had enough.
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| 11/17/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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A collection showed up on my account. It was {$110.00}. They said it was an old cable bill. Quite possible. I went through a divorce. Mind you I never received any notification that I owed this From Transworld systems. Nothing ever. It was a small amount I thought pay it and be done with it. Bad choice on my part. I asked if they would provide me a receipt. I asked at least twice. This was XX/XX/2023. She said yes XXXX hours. Couple days go by no receipt. Called on XXXX XXXX said it would be XXXX days. Called XXXX XXXX XXXX days. Same story asked for supervisor said theyve sent request XXXX days. To make a long story short called every day ( 5 days ) to get receipt. They always said it was a different department and it would be XXXX days every time. I pay a credit card bill get a receipt in XXXX seconds. They dont want to provide a receipt. My guess is if I cant prove I paid it they can try to collect later or sell the debt to another collection company. It is a systematic effort to not provide a receipt. Wasted so much time on my end.
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| 01/02/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Transworld system 's XXXX DE XXXX without any notice put XXXX collection on all three credit beauros. I called them they failed to know much except they bought the debt from original creditor and I was living in XXXX in XX/XX/2016 not on XXXX XXXX in XXXX tx. This is all they could give me. Refused to give me any verified Information about account XXXX. They admitted not having a contract with me and not having proof I gave them consent to have my private information. They were noticed they committed identify theft extorting me for money and harmed me putting it on my credit report without proper notice of me owing them any kind of debt. Basically said pay it or sue us knowing it would cost more than XXXX to sue to get it off my report. Original creditor is supposed to be direct energy and I used first choice on XXXX XXXX never lived on XXXX XXXX. They failed to verify I had lived there as well. Texas statute of limitations says 4 years to collect a debt. I informed them they are breaking statute of limitations they didnt care as well.
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| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. The debt has been sold to several companies.
I reached out to each debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. All responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies.
None adhered to any of my requests and instead they all sent me a bill to pay for the collection.
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| 08/05/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A fraudulent charge was made on my XXXX XXXX XXXX debit card on XX/XX/17 from XXXX in the amount of {$420.00}. The claim was resolved and closed from XXXX XXXX XXXX in my favor on XX/XX/17.
Claim # XXXX amount XXXX money was refunded.
Over 3 years later I get a bill from a collection agency Transworld systems inc saying I owe XXXX XXXX for a charge made on XX/XX/17. I mailed in the claim number from XXXX XXXX XXXX. But Transworld wants a claim from XXXX, I have tried to contact XXXX but they have not contacted me back other than giving me a case # and we will research this in order of inquiries. Transworld should be fine with the letter from XXXX XXXX XXXX showing it was closed and resolved. Which I mailed to them a copy of and showing the charge on my statement from XXXX and showing it was refunded. I have also asked Transworld to mail me an original bill from XXXX and they have not provided me with it.
XXXX invoice # XXXX Transworld regitration code XXXX I do have a case number from XXXX XXXX XXXX Reference ID : ref : XXXX : ref
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| 05/18/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I'm a XXXX percent XXXX veteran and I defaulted on an XXXX credit card. I had a major hardship and needed to move to New Mexico to care for my now XXXX mother in law.
After I got moved, XXXX began garnishments on my social security XXXX benefits. Instead of simply taking {$100.00} a month, they took the maximum allowable of {$260.00} a month which caused even MORE defaults for me when I got moved. I couldn't stop them from garnishing my XXXX benefits. After receiving the stimulus money of {$2400.00}, I combined that with money from my mother in law and was finally able to pay off the {$3000.00}. I sent {$3100.00}.
They applied {$2600.00} and retained {$490.00} for a NEVER DISCLOSED TSI fee.
Now they say I owe {$530.00} with NEWLY applied interest. They forced interest every month already over the past two years.
I'm at wits end. I have XXXX XXXX XXXX. The mere idea of contacting them over this has me in a terrible attack. I'm a complete mess and I have no recourse when they have direct access to my social security XXXX benefits.
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| 03/19/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called Transworld Systems Inc. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this Transworld Systems Inc that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX to XXXX at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or more of the above companies is incorrect and possibly " scamming '' me.
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| 04/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Approx 1 week ago I was notified by my per diem " employer '' that i was taken off of the roles, and would no longer be needed to stay on per diem status, and no full time positions were open. Today, I received notice from a collection agency ( Transworld Systems ) that a {$250.00} balance has been reported to the collection agency against my credit for un-returned uniforms. One week is not enough time to return uniforms, when the home office is over XXXX hours away. The uniforms were returned at this time, but the report of collections is still on my credit. Before this time I had not been notified that I was " taken off the roles '' until the employer called me to pick up some shifts, and then she noticed i was removed for being inactive ( not picking up any shifts recently ). So in 1 weeks time I found out I was done there and that the collection agency had taken action. No notice was given to me to return the uniforms, nor was any attempt made to notify me. This should not be reported on my credit. The items have been returned.
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| 04/12/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My lease wasnt over until XX/XX/XXXX I moved XX/XX/XXXX when I moved I clean the apartment only things was broken was a door that already had a hold in it but was patched up with mud my rent was XXXX I was told if its not rented by XXXX I would have to pay for that month rent now I also paid a deposit when I move there I receive no deposit money back no letter or anything but the place did get rented before XXXX this I know because I still talk to my old neighbor that still live there right now to this day its not fair for companies to do ppl like this when they move take my deposit and charge me way to much for a door that was already broken to begin with in the first then sneak and put this on my credit report not once have my rent ever been late not once this not fair even if it got rented in late XXXX I understand I would still own some money but lets be fair XXXX plus dollars is not fair when I had a deposit that wasnt returned to me we can come to agreement of XXXX that would mean Im still out of my deposit Im fine with that
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| 06/15/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2019, I received a letter from a debt collection by mail on behalf of XXXX XXXX XXXX for the amount of {$50.00}. I have been a XXXX of XXXX from 10 years and payment is made always before service can be render and it made to the billing department. XXXX is aware that I am a XXXX XXXX and such person are required to obtain and keep good credit. XXXX has not notified me by mail or any such means that I owed of any such false amount. However, I this letter from the collection agency without any reason to why an amount would be due has not been exercised. XXXX has violated my rights to dispute or see why I would be charged when I would not been able to see the doctor and also, I pay {$80.00} per visit to see the doctor. I don't know why XXXX is creating financial fraud which, can be proving by my credit card payment on any such service that has been rendered .. This is totally financial fraud or reporting on XXXX XXXX part and to not give me the opportunity to dispute their billing by sending or call me about his is fraud ...
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| 08/03/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received notification from Transworld Systems Inc. in XXXX XXXX, PA in XX/XX/XXXX that I owed tuition from XXXX XXXX University. The XX/XX/XXXX and XX/XX/XXXX tuition was paid on a credit card and I called the school to confirm payment receipt. They said they did n't know why this was turned over to a collection agency. I called the collection agency and they wo n't work with me. I made copies of all my payments including the account printout from the school with my XX/XX/XXXX and XX/XX/XXXX account information showing a XXXX balance due. I sent this information to the collection agency certified mail with a return-receipt confirmation. I would like the school and collection agency to get their accounts straight and ensure my credit rating has not been affected by this inaccuracy. I am enrolled in the XX/XX/XXXX semester and the tuition information is reflected on these statements but will be covered in the fall with student loans and personal payment. Those figures are not part of this issue as I just registered for XX/XX/XXXX.
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| 12/04/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Transworld Sys were calling and sending bills illegitimately from an overdue medical bill. I requested proof of the overdue bill but they never provided me with any such proof. I was threaten to make the payment or risk that they would place this occurrence on my credit report if a payment was not made. Reluctantly I made the payments as agreed over a few months but they still processed the debt as a charge-off which was not what I had agreed to, nor did they ever provide proof that in fact this was a debt of mine.
I have made several credit reporting dispute attempts to have this blemish removed from all three reporting agencies but they have only corrected 1 out of the three. To date this erroneous information remains on my XXXX and XXXX Credit Reports.
I would like this information removed from my credit reports since I was illegally coerced into making payments but yet in still reported negatively on my credit report. Please have them provide verification of this debt and also remove negative impact from my credit report.
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| 01/03/2020 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
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The original loan amount is for {$1000.00} with XXXX. On XX/XX/19 I initiated communication with the organization to correct the reporting on the NSLD. Since this time I have contact them via email or telephone on every other business day to secure the correct information and documents to provide to my college. Each time I call there is a different response, a letter was submitted requiring 9 months of payments before they would correct any reporting. The proceeding response from the organization is they are sending the information to the account specialist for a response. This organization does monitor each call and documents my communication, this information can be retrieved supporting my communication, request and lack of responses. The information on my loan message documentation is in correct I have made more calls since XX/XX/19.
These efforts to delay has created additional emotional stress and financial stress to my education process. The person whom is responsible or the Supervisor has not address this ongoing problem.
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| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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University Accounting Service, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.
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| 10/04/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been contacted nearly every day for the past 2 months by a debt collection agency called TransWorld System. The calls are coming from a XXXX area code in XXXX XXXX XXXX but it is a different number each time so I can not block their calls. I have several copies of the recorded messages left. Each time I am asked to call XXXX to speak with " XXXX XXXX XXXX '' and when I call I get a collector. I was informed that they show this number belongs to XXXX XXXX and I do not know anyone by that name.
I am promised everytime that my number is added to their do not call, but it never happens and the calls continue. I have been as polite as possible but now my frustration level is very high as I can not make it stop.
Please do something about this lack of concern for my privacy which is now bordering on harrassment for a debt that is not mine. It appears someone made a keystroke error and my number was listed as the contact. I attached a transcript of the last call I did not answer on XXXX. I was contacted last at XXXX on XXXX.
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| 01/20/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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To begin this is the second time this has happened to me bother times I was not notified and I had already paid my account in full.
I paid this bill in full on XX/XX/XXXX for one payment of {$120.00} and another of {$110.00}. I clarified multiple times that I did not want to owe anything else and they agreed my account was paid in full for my visits. Now this week XX/XX/XXXXish I was put in collections by XXXX XXXX VIA Transworld Systems.
I received no notification of this I called them Transworld said its " she cant say that XXXX made a mistake how would she know '' and my response was that she could determine that I made one though? Now my credit shows I paid the balance? But the issue is I never had a balance and this is the second time both these companies have made this mistake. I have a 100 % payment history on my credit. Then even when this is deleted it is never actually the same. So I am not sure how I should proceed being the mistakes of these companies effects my ability to buy homes and sets back my life plans.
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| 08/18/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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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
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| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Someone fraudulently opened an account with XXXX XXXX / XXXX in XXXX of 2019. I have been consistantly calling XXXX XXXX XXXX XXXX as well as their collection agent TSI Inc. For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this removed.
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| 02/10/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I received by us mail first notice of alleged debt and demand for payment. This notice attached herein did not provide information identifying the original creditors accounting of the claim. I attempted to contact Transworld Systems Inc. ( TSI ) and was not able to reach anyone.
On XX/XX/XXXX I mailed a certified letter attached herein to Transworld Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting they provide required information in order that I have an opportunity to investigate their claim.
On or after XX/XX/XXXX I received a response attached herein from TSI providing an incomplete file copy of a lease agreement and accounting ledger.
On XX/XX/XXXX I responded with a second letter attached herein citing XXXX CIVIL CODES, detailing my request for proper documentation and discrepancies with regard to previously provided information.
On or after XX/XX/XXXX I received a letter from TSI denying my request for required information and no response to previously defined discrepancies.
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| 03/16/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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1. As of this date ( XX/XX/XXXX) I have not received responses to letters sent to XXXX XXXX XXXX XXXX ( UAS ) ( 1 ) Letter addressed and mailed to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI dated XX/XX/XXXX ; and ( 2 ) Letter addressed and mailed to XXXX XXXX XXXX XXXX XXXX, IL dated XX/XX/XXXX 2. The lender XXXX XXXX XXXX XXXX XXXXs ( XXXX ) states it is the responsibility of the borrower to confirm enrollment status directly to XXXX at least once a year and the repayment policy is a three-month grace period after graduation and/or ending attendance in school. XXXX appears to apply the end of grace period each XXXXXXXX semester which is inconsistent with the provisions of the loan.
3. Communication notices from XXXX do not provide dates when the document is sent and some notices are received around the same time which does not allow for timely response.
4. XXXX erroneously reported to CRAs the account is past due when I was currently enrolled in school and had provided documentation to which they have yet to respond.
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| 03/01/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a bill from debt collector Transworld Systems , Inc for an invoice ( XXXX ) issued by XXXX XXXX XXXX XXXX for the amount of {$180.00}. After talking to both debt collector and XXXX I'm able to get original invoice which is not billed to me but to XXXX INTERNAL SORT ID ( for {$160.00} ), a company that refused to pay the bill. Since I'm the receipient of the service ( a package ) they are now trying to collect their debt from me. But I never received any request for payment from XXXX. When I try to pay the original invoice that XXXXXXXX XXXX XXXX XXXX refused to pay, XXXX doesn't accept payment because it has been sent to collections agency. When I try to pay Transworld Systems , Inc they don't accept the original amount because they want to collect their fee. So far I have refused to pay anything other than the original amount. First I'm not the party with the debt, second I've never given a chance to cover the bill. I'm willing to pay XXXX expenses for the service, but not give any profit to any other company.
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| 05/19/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Today I received a package of information from this company supposedly in response to a CFPB complaint I filed. I filed the complaint because I never received any communication from them either by phone or by mail so I was therefore not given an opportunity to dispute the validity of the debt. I do not recognize the debt and have never heard of this company. I have addressed this with them before and they refuse to give me an answer. In addition, this company has been reporting this account to credit bureaus as a delinquent monthly installment account even though it's not and I've never had any account or contract with them. They also refuse to acknowledge this.
Additionally, I have asked several times for certain specific items of paperwork that they have refused to provide.
The most recent letter said they " verified '' the debt by verifying it with a law firm. I also have no affiliation with this firm. The only option they give me for contact is to speak to an attorney at this firm. This is obviously inappropriate.
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| 05/16/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On Friday, XX/XX/2023, Transworld called my place of employment about a debt that I didn't even know about. I told them that I was not allowed to have any calls at work.
I called them when I clocked out fir the day..spoke to a woman who seemingly mocked me throughout the call. I told her to never call my work number, I can lose my job..she put me on hold for about XXXX minutes then when she picked up the call again, she said that she would remove my work number.
Today, Monday, XX/XX/XXXX, XXXX.Transworld called me at work again and started by telling the XXXX XXXX that this was an attempt to collect a debt. And asked for me..when I picked up the call it was a recording telling me that this was an attempt to collect a debt and to press one for whatever...
If I lose my job for this {$600.00} debt that I didn't know existed until Friday... do I have the right to sue them for my wages up to my retirement age?
Better yet, how do I get them to stop calling me at work and make them pay me {$1000.00} due to their harassment?
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| 10/20/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My identity has been stolen. I live in XXXX for 8 + years. Before that I lived in XXXX. I have own a home in XXXX XXXX XXXX till XX/XX/2021 and paid all utilities mortgage insurance etc there. Now I live in XXXX XXXX. I have never lived or visited the state of XXXX. Unbeknown to me someone has open utilities in XXXX on my name. Transfer money for them at XXXX XXXX from my XXXX XXXX XXXX account. XXXX dollars using a phone transaction. Someone applied for unemployment in XXXX in my name. Thank God is was denied. I received the denial letter. XXXX XXXX thru XXXX and XXXX XXXX collections XXXX. XXXX XXXX thru XXXX XXXX XXXX XXXX. XXXX XXXX XXXX retail XXXX. XXXX XXXX thru online information XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX thru trans world systems XXXX. XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX. This are utilities open in XXXX using my identity to open them. When I went to buy a car this year during summer I found out my credit was bad. I then had to put down XXXX to get a better payment. Since my credit was bad.
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| 01/14/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XXXX XX/XX/2021 I called to inquire about a debt in collections for a hospital community medical center. I had previously spoke with the hospital who reported that the debt had been paid by insurance and the bill was sent to collections by mistake. I informed the operator ( XXXX XXXX ) about the mistake by the hospital. He reported that he understood. He then informed me that although it was my insurance he could only speak about the debt with my wife ( the individual on the bill ). This makes sense. I handed the phone to my wife and left the room. She provided her details to confirm her identify and then he attempted to have HER PAY THE BILL! He knowingly attempted to mislead my wife in to paying a debt he knew she did not owe. The action of attempting to collect this debt without informing my wife of her right to dispute the debt in this situation is illegal. I expect to hear back from the business and hope that their actions are investigated by the proper authorities so they can no longer attempt to defraud people.
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| 10/13/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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A number starting with ( XXXX ) XXXX calls me every single day multiple times a day starting from XXXX XXXX until XXXX XXXX The last four digits of the number are always different. They have called me every single day for the past 8 days in a row. When I answer, nobody speaks. I have sat on the line for 90 seconds just to see if an automated system message would begin but it never has. Its just silence. When I call the numbers back, its always the same voicemail You have reached Trans World.. but nobody ever talks when they call. I feel harassed and a little unsafe as I do not know if this is a scam or not. I have told them multiple times to please stop calling when I answer the phone but Ive never gotten a response and they continue to call. When I XXXX it, trans world comes up as a collection agency and I do have an eviction in collection for {$1400.00} so Im not sure if this is related or a scam. Please help!!! This is getting very aggravating. I cant block the number because the last four digits are always different
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| 03/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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THe company was Transworld Systems inc . The collection was for a final waterbill which i am not sure if i actually owe it from 4 years ago. They sent the collection notice to my brothers address which he has only lived at for 2 months. I questioned them on how they got that address and they said it was on the water companies file. It was not as I had already called the water company. She then proceeded to tell me i was lying then i asked her to transfer me to her supervisor. She responded they were not there and i would have to do with a voice mail then she cut me off. She did this again after I called back. The bill was {$35.00} and on the first call she said it was denied which i knew better as i Had over XXXX in this account. She then asked me to pay via my bank account i told her no. I ask her to email me something saying that once i paid this ( keeping in mind i do n't think i owe it ) she refused and hung up on me again. Through out the conversation she kept talking over me not allowing me to get my questions out.
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| 10/25/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received notice to pay a medical bill for XXXX XXXX back in XXXX. I paid the entire amount owed on XX/XX/22 in the amount of {$310.00}. I continued to received collection notices from XXXX into XXXX, ending with a XXXX notice and threat to send to collections. I called them on XX/XX/22 to let them know I had already paid, online through the XXXX portal on XX/XX/22. They called back on XX/XX/22 and left me a message that they received the payment. On XX/XX/22, I receive a debt collection notice from Transworld Systems , Inc for this debt to XXXX. I called TSI on XX/XX/22 and explained that I had paid this on XX/XX/22, they said XXXX will send an update about payment and they will close this out, but they have not yet received that update. I called XXXX on XX/XX/22 and left a message for a call back from a live person to discuss the incompetence with my account and that this must be resolved immediately. XXXX clearly has an incompetent billing department having sent 5 notice to pay after I had already paid the account.
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| 01/21/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I was attending catawba college and in 2010 i took classes at XXXX in hickory. My grandmother died in 2010 and long story short my information was stolen from my mail box in XXXX. At the mediation my school loan information was used to blackmail and sue me in the will hearing. I didnt realize that my uncle had accessed my info for XXXX XXXX XXXX and they allowed him to change the address and contact info to his information He then had the info mailed to his home. Now i havnt been able to access the info at all and am in collections. I was told that because i couldn't verify the info i was unable to access the loan. In addition to that 4years after leaving XXXX i find out that they believe i owe them money. However i went the entire year at the school and no one said anything about misfiled paper work. I now have a judgement against me and i can not get ANY HELP!!!!! I have over 100K $ in debt that i am not allowed to pay! My identity has been compromised.the only school loan that has not been affected is from XXXX XXXX.
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| 03/21/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had an outstanding medical bill to XXXX ( XXXX ) which I paid. I am continuously receiving harassing phone calls during work hours and after work hours from TransWorld Systems ( XXXX ) a debt collection agency hired by XXXX. Transworld is also constantly sending me mail as well and now they are adding on interest fees. I have explained to TransWorld on several occasions that this has been paid and have given them the date it was paid. I also told them it was paid through the XXXX website as well and that I had a confirmation number for the payment. They continue to contact me. Today I called XXXX, I first spoke with XXXX who told me that there was no balance on my account, this I know, so I explained to her what has been happening and she said I needed to speak with XXXX and transferred me to her. I explained to XXXX what has been going on and that I have told TransWorld several times that this bill has been paid in full yet they continue to harass me. XXXX hung up on me, apparently this was her professional solution.
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| 07/13/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Debt collection notices constantly received from Transworld Systems Inc . I have called twice and notified them that debt has been paid with Check # XXXX cashed by XXXX XXXX XXXX on XXXX XXXX, 2015 for the full amount of the debt of {$40.00}. ( Scanned copy with full cashing information attached ) My account # at Transworld is XXXX. However, Transworld continues to send me collection notices more than weekly despite my calls. The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX goes directly to an answering service when called. I provide all requested information and am told I will be called back within 24 hours. After 5 calls, they have failed to contact me. I consider the actions of Transworld invasive and abusive and the lack of response from XXXX XXXX XXXX XXXX against reasonable business practices. Furthermore, they only have one method of contact -- phone -- - which as previously stated is an answering machine with no return phone calls despite numerous attempts by me and assurances on their part.
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| 03/15/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed a collection account on my credit report that I did not recognize from " XXXX XXXX XXXX '' for {$200.00}. It didn't even start out as an open account, it went immediately to the collections category. I do not have any utility bills in my name. I looked up the company and they are based in Texas, which is not where I even live. I've lived in California for 8 years now. I tried to dispute the account myself to no avail. When I reached out to the company they sent me " proof '' of the account, which was in a language I don't speak, and used my information to send debt collectors after me. This is downright inexcusable for them to not even check on the information that's given them and not even respond to my attempts to contact them or take them seriously. Then to use my correct information to send debt collectors my way when the only reason they have my information to begin with is because I made police reports and reported my identity as being stolen. I had previously frozen my identity and this still happened.
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| 04/09/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I refinanced my student loan through XXXX and they paid the full amount on XX/XX/XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX. The amount that was paid was XXXX, XXXX. XXXX dollars and had two different overpayments, one of XXXX and second XXXX. For the past 4 months, I am trying to get the refund of my overpayment return but I been getting no help regarding the information. In XXXX and XXXX, I called twice a week but no help. In XXXX I was able to get in touch with the supervisor and asked for information and she stated she will get back to be in 48 hours and had her phone number, I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and left messages and no answer or return of my call. On XXXX I learn that supervisor no longer works there and no one listens to the message or were able to locate my XXXX dollars. On that date, I also spoke with a new supervisor who also stated that he will go through proper channels to get my over-payment returned in 48 hours. I called back on XXXX, no update.
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| 09/06/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Older American |
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I received a letter ( see attached ) with File : XXXX ( without my name ) from the debt collection agency, Transworld Systems Inc ( TSI ), dated XX/XX/2023, stating that I owed {$85.00} from XXXX XXXX XXXX XXXX. I did not contact TSI, thinking the letter must be a mistake since my name did not appear on it.
A 2nd letter dated XX/XX/XXXX was sent to me, now with my full name ( see attached ), stating that they did not receive a response concerning a past due of {$85.00} with XXXX. I wondered, since I had no account with XXXX nor conducted any business with them, I considered it as a " Fraud '' charge. I contacted XXXX XXXX, and they confirmed that they did not charge this amount, nor did I not have an account with them.
I contacted the TSI, a collection agency, and they said the amount they collected was with XXXX. Still, when I mentioned that I had already gotten XXXX confirming that this amount did not exist, the TSI rep said this amount was for other charges by the vendor, not even mentioning the vendor 's name.
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| 04/06/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I received a bill from XXXX of Michigan for services received in XX/XX/XXXX. I paid the fee of XXXX on XX/XX/XXXX. I received several calls from XXXX stating I did not pay the XXXX. I told the company the date the payment was made and the check number. The clinic continues to call and write me regarding this bill. I sent a copy of the cashed check. I also requested they no longer contact me. The company received a COPY OF the cashed check. The company received a copy of the cashed check on XX/XX/XXXX. XXXX sent this account to a collection agency, Transworld System Inc. I informed TSI that the payment was paid on XX/XX/XXXX. Despite evidence of this paid bill TSI has continued to call and send collection letters.
I believe the companies, XXXX and TSI are harassing and extorting money. The next game they will play is to continue to pass this alleged bill onto other companies.
I am requesting the following, 1. the harassment to stop 2. An apology from both companies 3. XXXX XXXX dollars for their unfair practices.
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| 08/07/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On XX/XX/2019 I reached to Nationwide credit inc about my XXXX XXXX card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. Nationwide told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the Nationwide there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.
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| 06/19/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency.
Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.
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| 01/19/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Exchange Collections Department claims that Transworld Systems Inc has a debt in which it was stated that I owed over {$9000.00}. That is totally impossible. Today I received a statement and the company was unable to pull up an account in my name or by the account number I provided. Something is going on that is not legal. I pay $ XXXXmonth as agreed when I found out about this, but this statement also states, If your debt is submitted to the TOP by either XXXX or the US Treasury ... then you may not receive another notice after this one before funds due you from the federal government are offset under TOP. I called these agencies today to inquire about this since I am making payments as I agreed that I would. I do not have anything to offset from the government, plus the balance changed by over {$6000.00} since I spoke to Transworld. Yet they are unable to find an account in my name. XXXX is the last person I spoke to. I dont know who this company is or what kind of scam they are pulling, but this is unacceptable.
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| 01/04/2023 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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To whom it may concern XXXX XXXX XXXX XXXX previously known as XXXX has been increasing my interest rate periodically since 2010. I attended the XXXX XXXX XXXX XXXX in 2010, as most XXXX Schools are scammers they force you into private loans and then do not prepare you for the boards I was XXXX of those future doctors. I ended up transferring completing my MD and doing my residency. As a frontline and a Neurology resident at the University XXXX XXXX, student loans are the pain of my existence. I started with XXXX which is now 12 years later XXXX, which is understandable. Today, I received a letter from XXXX XXXX XXXX XXXX that all XXXX of my loans increased by XXXX XXXX interest making them now XXXX XXXX and XXXX XXXX which is absurd. The original agreement did not depict such a large increase. During this day and age, I could not believe the increase I have now been on the phone with them for XXXX hours and XXXX minutes unable to get a response as to why this happened. I would appreciate your help in the matter.
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| 02/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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Transworld is representing XXXX in a collection claim that I owe over {$1800.00}. The charge is for a {$25.00} per month instrument rental in late XXXX and the last bill I viewed was for under {$200.00}. The instrument was lost and then found. I returned it in good condition to XXXX in XXXX XXXX. I have receipt of return. I asked for an itemized bill to view the charges, and Transworld replied they do not have one. They said they will try to get XXXX from XXXX but can not advise if or when they will have a summary of the charges. Transworld refuses to provide direct contact information to me so I can have a legal representative request a bill on my behalf in writing. I asked for an email address or contact name an phone number so I can have my lawyer request the information and Transworld 's response was : give me your lawyer 's name and phone number and we will call him ( XXXX XXXX with Transworld ). I called back and gave the answering rep. my lawyer 's name and the new rep refused to discuss the matter further.
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| 10/27/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was incorrectly billed for two visits or exams at an XXXX XXXX facility during a single visit that took place on XX/XX/XXXX.
After many, many conversations with hospital billing and my insurance company, the alleged debt was then sent to their collections and subsequently to an external collection agency. I submitted proof of the error ( including my insurance EOBs ) to the hospital 's billing department and to the external collection agency on XX/XX/XXXX.
I received a response from the collection agency stating that they found that the coding on the claim was correct, but with no proof or evidence to back it up. I sent a letter asking for evidence on XX/XX/XXXX.
I then received a collections call from a different company sometime in XX/XX/XXXX ; I told them that I had submitted evidence of incorrect coding/billing previously and refused to pay a bill I do not owe.
Subsequently, I have received notice from another collection agency on or around XX/XX/XXXX, dated XX/XX/XXXX, giving me 30 days to dispute.
|
| 08/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I had a medical emergency in XXXX XXXX NV. As a result, I was admitted to XXXX XXXX Hospital. I have XXXX XXXX Health Plan, which requires a {$50.00} co-pay for emergency visits. I fulfilled my financial obligations and paid {$50.00}.
Since XX/XX/XXXX, I have been receiving monthly bills from XXXX XXXX Hospital and from their XXXX department, XXXX XXXX XXXX, XXXX PA. The initial bill of {$30000.00}. was paid in full by my insurance company, XXXX XXXX.
However, XXXX XXXX XXXX continues to send me an outstanding bill, in the amount of {$1600.00}.
I contacted XXXX XXXX department on numerous occasions. Each time, the XXXX XXXX department informs me to disregard all billing, and to discard any bills received. Yet, the bills continue. I filed multiple grievances with XXXX XXXX XXXX regarding the continuous bills I receive.
Now, this outstanding bill of {$1600.00}. is now in collections, which affects my credit rating score. This matter is between XXXX XXXX and XXXX XXXX XXXX, and should not involve me.
|
| 04/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I recently received an identity theft alert on XXXX XXXX from the XXXX service as I was a recent victim of the XXXX XXXX data br each. This alert identified a new account in the amount of {$160.00} that was posted to my credit file on XXXX XXXX by an entity name d Transworld Systems. I immediately called to place a fraud alert on my credit file. Transworld Systems has never attempted to contact me about any debt in any amount before placing this on my credit report, and I a m completely unaware of the alleged amount ow or what it is potentially for. I believe this is an attempt at identity theft and will also be filing complaints at the state level and considering legal action. I wish to file an initial complaint agains t Transworld due to th e fact that they have provided me absolutely no information of any kind or even attempted to contact me by mail or phone to explain what this bill is for. Nor has Transworld sent m e any correspondence or bills tha t I may review o r dispute.
|
| 01/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a bill on XX/XX/XXXX from Transworld Systems Inc. for {$200.00}. This bill had two line items. One item for {$150.00} and another item for {$46.00}. I called to Transworld Systems Inc on XX/XX/XXXX to pay my bill. I gave them my payment information and they processed the payment. The phone operator confirmed that I paid everything showing in her system and that I had no outstanding payments.
A few months later, I received an alert from my bank that my credit score had changed due to an outstanding debt that I owed. My credit score showed that I owed {$46.00} to Transworld Systems Inc.I called Transworld back and they informed me that I only paid the {$150.00} and still owed {$46.00} ( The phone operator on XX/XX/XXXX told me that I had paid everything that I owed ). I paid the {$46.00} during the phone call on XX/XX/XXXX.
My credit score is now being affected because it shows that I had an outstanding debt payment for three months, even though I thought I had paid the entire debt in full on time.
|
| 09/23/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
You may look into my previous complaints for further information.
In summary I have been paced on collection by TSI for a debt that they were given by XXXX XXXX XXXX to manage without ever informing or attempting to inform me of such changes or my ability to make payments on the debt.
I have explained in the past how their initial and only attempt was to place my account on collections after my cosigners Chapter XXXX bankruptcy was finished and they could apparently collect again. While this is happening I was told repeatedly by the XXXX that they had no idea of any account in my name or even with my SS #. Impressively enough TSI turns around and places my account on collections without any letters in the mail, any phone calls, any emails, nothing!
The account should be taken out of collections status as this is an abuse of power and manipulation of accounts. As a consumer I was lied to by XXXX and was never contacted by TSI nor was I ever informed that TSI existed and/or had my account in their possession.
|
| 10/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I was recently notified on XX/XX/, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud.
Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to Transworld Systems Collections. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by XXXX XXXX XXXX appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with Transworld Systems Collections.
I will be contacting XXXX Identity Works once again to ensure this matter with XXXX XXXX XXXX is resolved in as soon possible.
Please let me know if you require additional information. Thank you.
Sincerely, XXXX XXXX XXXX
|
| 10/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Transworld System Inc. posted a collection debt to my XXXX credit report on XXXX. I have never engaged in or transacted any business with Transworld System nor the company they appear to be representing ( XXXX XXXX ).
Further, Transworld System Inc. never attempted to communicate with me via mail to establish ownership of this alleged debt prior to appending it to my credit report. This is a strict violation of the FDCPA 809 Validation of Debts rule. I should have been notified of this alleged debt then allowed 30 days to dispute this debt directly with Transworld System prior to the debt appearing on my credit report.
Transworld should remove this debt from my credit reports as it does not belong to me and is presumably identity theft. I have filed two police reports in XXXX, Texas following XXXX XXXX XXXX ( XXXX in XXXX and another in XXXX ).
I have no debt obligations with XXXX XXXX nor with Transworld System and would like Transworld to cease any further collection activity related to this invalid debt.
|
| 12/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by Transworld Systems Inc. ( TSI ), seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached TSI letter.
I have spoken with the TSI representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the XXXX XXXX XXXX and that we have the payment confirmation receipts to prove it.
I was instructed by TSI representative to submit the proof of payment information via email address XXXX for the TSI review.
I have submitted the same proof of payment information receipts as I am attaching to this complaint to the TSI using the email address provided.
After not hearing anything back from TSI I have contacted them again on XX/XX/XXXX and was told by TSI representative that no information about the case could be provided at this point.
I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.
|
| 08/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I've been attempting to have this debt removed from my credit history due to the collection company failure to show origin for the last six months. I personally contacted them on XX/XX/2018 and prior months before through XXXX XXXX. I requested a copy from the representative which she replied she would send almost two months ago and I haven't received as of yet. I asked why I never received any notice of this debit to which she replied a notice was sent to a XXXX XXXX which I haven't had in over 25 years. I gave her the address to send the bill to and also stated that if this was a medical bill I'm sure there was an address I stated when registering. She stated the bill was from XXXX Hospital Center. I went to the XXXX billing office and was told I had no fees owed to them. I relayed this info to the collection agency but their only response was to resubmit these bill to all three credit bureau agency as if they were new account for which I took a hit on my credit reports and believe that was there intention.
|
| 06/13/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have gone online to pay a parking ticket which was the amount of {$160.00}, paid with credit card on XXXX XXXX , 2017 . Payment went through and since I was unable to print the confirmation page I have taken screenshots of the confirmation page and the printer friendly version of the page for documentation. XXXX Today is XXXX XXXX , 2017 . I have received a notification from Transworld Systems Inc. stating that the unpaid amount of {$160.00} have been carried over to their Debt Collection department. I have called Transworld Systems, but was left with me badly recorded machine that was incomprehensible or at leas t seem to not have given me the option to call for a complaint. On the back of the letter provided a website for transworld payments and website for FTC ( Federal Trade Commission ) in which I had looked up for it 's contact information and called Headquarters. There a machine came on and guided me to call another number to resolve this issue and was lead here to write this complaint.
|
| 08/23/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2014 I began renting from XXXX XXXX the paper work includes a page consisting of itemized prices for services upon move-out the letter, which is attached, is addressed to me ( although I did not sign ) has very different prices that proves that after I repeatedly asked for an itemized receipt of what my deposit may have gone torwards in order to understand where the extra unknown amounts may have derived XXXX XXXX never contacted me in Reference to an account that I may owe, instead an oblivious receipt with inflated amounts were sent to a collections agency called NCC SERVICES and they are on each of my credit reports unfairly. Does the original lender not to have an allotted time to try to collect what they believe to be owned to them before turning an account over to collections? Also please notice the differences in the amounts on the original move out cleaning letter and the one created after I continue to ask for the details of my deposits since it clearly was not use to cover the cost of it
|
| 10/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In or around XX/XX/2015 I had an auto accident due to the fault of another driver. My vehicle was a complete total loss. The party at fault insurance company booked a rental for me at XXXX XXXX XXXX XXXX. However, after several days into the auto rental XXXX XXXX XXXX XXXX told me to return the auto in which I did. The other party 's insurance company that was responsible for the billing did not cover the amount due as stated to me. I was not responsible for the booking of this rental. XXXX XXXX XXXX XXXX has attempted to collect debts from me that I was not responsible for. I have explained in calls and letters many times it is not my responsibility. XXXX then retained a collection agency and I have also sent letters and faxes about this debt. I ultimately have had no choice but to file with the CFPB with my complaint. They have reported to this account to the credit bureaus causing irreversible damage to my credit scores, interest rates an inflicted financial losses due to erroneous reporting information.
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023, I received a phone call from XXXX XXXX XXXX regarding a debt from XXXX XXXXXXXX XXXX. I explained that I actually had spoken to the XXXX XXXX XXXX several times and was repeatedly told I would be refunded {$1300.00} from the policy cancellation, therefore, I would like to dispute the claim. On that date, I also requested debt validation. I did not receive this letter until XX/XX/2023. The letter was dated XX/XX/2023 which according to what I've read, is a violation of the 5 day rule. Additionally XXXX reported me to the credit bureau on XX/XX/2023. I received no other correspondence with Transworld Systems Inc from XX/XX/2023 - XXXX XXXX.
I have also included documents that I have sent to XXXX XXXX XXXX ... specifically the email from Monday XX/XX/XXXX where my agent informs me that I do not owe on any accounts and that XXXX owed ME money.
TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX Reference # XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX Balance due : {$690.00}
|
| 04/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a phone call from a male asking me for my date of birth to confirm a debt a I owed. I told him I do not give out personal information like that to a random person I don't know over the phone. He then stated he was from transworld systems collecting for a {$380.00} debt for XXXX XXXX hospital. I relayed to him that I've paid all bills I've ever owed. He said the outstanding invoice did not include an apartment number and an incomplete mailing address for me, which is why I never received the bill. I gave him the correct address to mail me the bill and any correspondence related to what he claimed I owed. As of XX/XX/XXXX, I still have not received anything in the mail.
Upon obtaining a copy of my credit report, I saw that transworld negatively marked it up multiple times prior to XX/XX/XXXX. I went to their website to try to contact them or call, but the website contains no phone numbers or means of contacting them to request again the information they are trying to bill me for.
|
| 05/04/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
|
| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
rcvd a collection notice which I will download. XX/XX/XXXX. This involved Auto Insurance and my personal Health Insurance. On XX/XX/XXXX I received an invoice from the same provider, stating that I had a balance of {$23.00}, which I paid. That was it. This started in XXXX. I received this collection and contacted the CREDITOR, 5 times, spoke to XXXX XXXX, they made no demand nor they gave me any information regarding an owed debit. Received an email stating that she was looking into the matter but never called me back. This has been way over a month. On the other hand, I also sent 3 emails to the collection Agency requesting more information and explaining everything and also requested that they inform me. Never heard from them.
Please inform How much longer do we have to deal with companies like this? How much longer are these people going to do whatever they want and nothing happens! One way or the other this has to stop.
I certainly hope that Honesty and Integrity play a roll. It will get nasty.
|
| 09/10/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Several months ago, I was deluged with phone calls from a company called XXXX as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified XXXX as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from XXXX representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
|
| 05/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member. Upon getting my life back together, I completed the rehabilitation program and paid 9 consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are XXXX l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam. I will be consulting an attorney and reaching out to media outlets if this is not fixed..
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I joined XXXX XXXX for a personal trainer, after receiving a personal trainer by the name of XXXX . We setup payment dates which the money would be taken out on. One week prior to the first payment due, I reached out to XXXX to reschedule the first payment. XXXX was very understanding and she would let management know about the change. XXXX told XXXX another personal trainer and XXXX said he could change it but he never did. XXXX reason for not changing it was because he had personal family issues going on but that is not a good reason not to do your job plus that was unfair to me. So the {$250.00} was taken out of my account and that let me in a bind. The same day the money was taken out, I went up there to get it resolved but they were n't understanding or compliant at all. They said it is what it is and they can not do anything about it in a very rude manner. So I cancelled my membership and they still want me to pay for a gym I stopped attending the same day they refused my refund.
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection notice in the mail from XXXX XXXX XXXX XXXX dated XX/XX/2021 for a debt that was previously paid directly to the creditor, XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$21.00} that was due on XX/XX/2021 to Minute Clinic.
The notice referenced, This is an attempt to collect a debt. I have made several attempts to contact the company to request a copy of my XXXX balance due letter but have not received the letter in the mail. The company confirmed over the phone that my acct was at XXXX balance. Also, I informed Operator XXXX that my mailing address is the same as the mailing address that they mailed the collection letter to, ( they had the incorrect mailing address on file ).
Since then I have tried calling the company several times and at different times of the day but I get the answering machine every time. I left a voicemail last week and have not received a call back yet or the XXXX balance due letter in the mail. I would like a copy of this letter for my records.
|
| 01/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I was contacted by XXXX, XXXX thst I owed quite a large amount to XXXX the debt collector informed me he was able to make a settlement to clear the account. Two days letter he called back and gave me a figure of {$670.00} I gave him a check he claimed they deal with XXXX in regards to this settlement I got a letter that I still owed and called tranworld and said it takes time. Two months ago I get a large bill from XXXX suspending my registration I called XXXX they never made a settlement with them I have been trying to get the correct information from transported but the run around this is very dishonest and they are still trying to make like they want to help And today tried to make me a new settlement my lively hood is needing cars to go to work. I feel they pulled a number in me since they tell u anything to make a commission and I want my money back with interest. Please help this is a hardship for me and terrible that you put trust in a world wide company to do this not to me but lots of others.
|
| 06/05/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I submitted a request through the consumer finance website concerning my issue on XXXX XXXX and it was submitted to the company on XXXX XXXX for review [ ( Case number : XXXX ) ]. They responded on XXXX XXXX stating that they would review my complaint and provide a solution within 45 days. We are now going into 90 days since my complaint was submitted and just short of 90 days since they responded stating that timeline and they are still having this second company attempt to collect a debt that I am refuting and have yet to provide me with any documentation proving otherwise. Yet, they are also still reporting negative marks on my credit and sending harassing messages on my phone as well. I would like this resolved as soon as possible. If I took 90 days to respond to them there would be negative consequences so I feel that they should be properly reprimanded for this lack of communication, professionalism, and most importantly attacking and harassing me without providing me any proof of the debt owed.
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
- There was a XXXX ( utility ) account set up in my name in XXXX for an apartment unit in XXXX XXXX, XXXX.
- I never moved into this apartment -- see proof attached - XXXX never notifies me that there is a charge on my account, for roughly {$73.00}. I do not know about this account until XXXX when my wife and I have our credit checked to purchase a new home in XXXX, XXXX - For context, I was a XXXX customer for another address from XXXX - XXXX and XXXX never reached out once to notify me of any outstanding charge.
- I've reached out to XXXX in order to ask them why they never notified me, even as an existing customer, to notify me of this account with an outstanding balance and I was simply told that " it was not their responsibility '' - I've even asked them to remove the collections account from the credit bureaus if I pay the debt and they refuse to do so, despite this collections account negatively impacting my credit score to the point that my family may not be able to purchase our new home
|
| 02/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My daughter, XXXX XXXX and I have a joint checking account at XXXX XXXX XXXX XXXX. I had multiple issues with the account in forms of identity theft, unapproved transactions attempting to take money out of account therefore was over drafted by {$950.00}. I worked with XXXX to resolve this matter wherein I had set up {$50.00} a month payment arrangement. In the meantime, they still sent the account to collections with Transworld Systems Inc.
On XX/XX/XXXX, I worked out a settlement regarding this account with XXXX, balance was satisfied and they agreed to put the account back into a positive status.
On XX/XX/XXXX I received a letter from Transworld trying to collect on the balance that was paid in full. They didn't even deduct the payments I made through XXXX. I called Transworld and informed them that I worked out a settlement with XXXX and this balance has been satisfied since XX/XX/XXXX. I got no response.
Transworld Systems Inc. is fraudulently trying to collect on a balance that is not due.
|
| 04/26/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I attended XXXX XXXX University. I thought I only borrowed federal loans for school, however, it looks like I borrowed a private school loan for 15,000 at 11 %. I began paying it because I started receiving the bill at my mothers house. Then I was going through a child support issue and I could not pay the bill. I asked to file for a forbearance and they said I could but a few days later the loan went into default. I called AES and they said the agent should have told me I needed to complete the form immediately. I tried calling the collection agency to create a payment plan and they refused. XXXX XXXX threatened to take my Mother 's house and her retirement. I called AES to have them release the contract and they could not find it. They had my birthday as XXXX when its in XXXX. Now I 'm thinking this might not be my loan. My XXXX XXXX loans were completed with federal loans. So now I 'm clueless because XXXX XXXX XXXX wants 23,000 dollars paid in full. I am a XXXX and do n't have that kind of money.
|
| 05/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue
|
| 11/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had an XXXX XXXX card through XXXX XXXX a couple years ago. I thought I paid the balance on the card but it still showed unpaid. I called XXXX XXXX ( XXXX - XXXX XXXX ) on Thurday XX/XX/19, I spoke with XXXX who stated that the unpaid balance was sent to NCI , a collection agency. I called NCI ( XXXX - XXXX - XXXX ). I spoke with XXXX. I told XXXX that I am willing to pay the amount I owe, {$370.00}. XXXX and the agency needs to email me a letter showing that I paid my debt. XXXX told me that there is no guarantee that the agency will email me a letter saying that I don't owe the money. XXXX put me hold so he can speak to his supervisor XXXX. XXXX returned and said, the agency will PROBABLY email me and if I don't receive a letter, I need to call back, but there is no guarantee.
I am willing to pay the {$370.00} But I need a letter that proves that I paid the money which will increase my credit score. My question is : when One pays for something, should the person receive a RECEIPT automatically?
|
| 04/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I contacted XXXX XXXX XXXX to complain about the increased payment amount being taken out of my account without my authorization. I said if they adjusted the payment amount back to the original amount I would continue their services. They said no, so I asked them to cancel my account at that time. The customer service agent offered me an administrative credit of {$30.00} that would be charged for closing my account. I thanked her and that was the end of our conversation.
On XX/XX/XXXX I received a collection notice from Nationwide Credit , Inc in the mail. As with the payment increase, I was never notified that I was was being charged or that my account was sent to collections. I have an impeccable credit rating and I am shocked that something like this can happen.
Also on XX/XX/XXXX I called XXXX XXXX XXXX and asked what was going on and they refused to help me and I would have to resolve a situation they mistakenly put me in with the collection agency. What the XXXX is going on.
|
| 09/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have been getting repeated calls from callers saying they are with Transworld Systems for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from Transworld Systems.
I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my XXXX XXXX account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent Transworld a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
|
| 07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX/XXXX/16 I received a letter from Transworld Systems Inc, XXXX XXXX XXXX, XXXX, PA XXXX which stated the intent of the letter to collect debt from " XXXX. '' The stated amount due is {$220.00} and payment or written notification of dispute of validity is required within 30 days. The debt payment can be made online at www.transworldpayments.com using registration code XXXX.
XXXX/XXXX/16 I attempted to call the phone number provided during the stated business hours, which was answered by an automated answering system which did not allow messages. I looked up another phone number for the company online and received the same automated message.
I then attempted to use the registration code to log on to the website. The code worked to access an account which indicated my personal information.
I am concerned that this company is fraudulent and may use my personal information for illegal activity. I have not released my information to them and do not believe the stated debt charges are legitimate.
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| 08/04/2021 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Problem with the interest rate
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Web |
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In 2001 when I started college I must have signed up for this private student loan which I hardly remember and from what I understood as a kid to be 5.5 % for {$10000.00} unfortunately come to find out years later when its in repayment they charge a variable interest on each payment which was not explained to me and I obviously didn't understand as a kid starting college. Payments are XXXX bucks XXXX XXXX gets applied to interest from what Im finding out now. Since then the payments are small so I never thought much of it, and they always say we cant send you physical mail, and calling to talk to someone is a pain if you ever get through, so as time goes on this gets put in back burner. Fast forward 20 years and this loan has only been paid down to {$7000.00}. I called them and told them I was a kid and did not understand this practice which looks a lot like predatory lending. They basically just said its a loan i signed and that's it. Offered no help no assistance other then an email to complain.
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| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I filed a complaint with Transworld about a negative account that was placed on my credit report that I know does not belong to me. My name is XXXX XXXX XXXX, I have a son who is XXXX XXXX XXXX who lived at the address listed on the billing statement you provided as proof. This address is not listed on my credit report anywhere. This is for a XXXX account that I never had at an address I never lived at.
The bill you presented does not give the name of XXXX XXXX XXXX or XXXX XXXX XXXX so how can you tell which person this belongs to? Can you provide any proof other than a bill from XXXX that it belongs to either of us? I have a current and active XXXX account now in my name that I can prove belongs to me!
I'm pretty sure you know like I do ; a billing statement is not considered sufficient evidence of ownership. So, this is my second time asking you to please either provide me with specific ownership of this account belonging to me XXXX XXXX XXXX, or remove it from my credit report immediately!
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| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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I found a credit note was filed in my history from a utility company I have never used or had any contact whatsoever with. The utility is XXXX XXXX and a debt for a person residing at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX for around {$800.00} was turned over to the Collection Agency Transworld System Inc, XXXX XXXX XXXX XXXX, XXXX, De XXXX. I have never lived in XXXX. Ive lived in either XXXX or XXXX XXXX Utah for over 50 years. The power company I use is XXXX XXXX XXXX. I can provide account number showing my service at my current address for the past 9 years. I have never received any correspondence, notice of collection process, or a letter from Transworld attempting to verify my personal information. I believe a person with the same name, ( XXXX XXXX ) used my social security number at the XXXX address to obtain service from XXXX who then turned the unpaid bills dating from XXXX - XX/XX/2022 over to Transworld for collection. This was fraud and has negatively impacted my own credit score.
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| 10/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX sent me to a third party collections agency when I already paid the debt in full. Not only that, but they failed to send me any letters regarding this OR to call me, even though both my cell and work numbers remained the same. To make matters worse, the original bill was nearly {$7000.00} and I busted my rear to pay all but {$280.00} of that, leaving this small amount to be paid on XXXX/XXXX/16, and they sent me to a third party collections agency for that AFTER I PAID THE BILL! I have requested someone in their billing department supervisory team to call me regarding this error, but I do not anticipate that they will do so, nor do I anticipate that they will learn a lesson until a formal complaint is lodged against them. This is at least the second time I have had a problem with XXXX XXXX 's billing department, and I can not imagine how many others have had similar problems but do not know where to turn to lodge a formal complaint that may change things for the better for all patients.
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| 09/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I went to the ER for XXXX XXXX in XX/XX/2018. I was told that all I had to pay for about {$250.00} for my bills since I didn't have insurance. I payed and left. Weeks later I get a bill from the hospital which I couldn't pay because it was over {$1500.00}. I didn't know I would get billed like this because it wasn't discussed in the hospital or else I would've left. Time passes, and now apparently the bill was sent to collections. I didn't receive any mail that notified me about the dept collection or how I can resolve the issue. I did receive a lot of random calls for 800 numbers but I never answer them because I don't know who it is. Now when I checked my credit score report, it shows I have been placed in collections and that it won't go away for years. I called the company and asked that if it can be removed if I payed them. The lady told me no. I asked for an online link to pay for the dept and the link I received along with the account number also didn't work for me to get into my account.
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| 10/23/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or misleading advertising or marketing
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Web |
|
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I would like to file this complaint against TSI collection agency for Email Harassment for a cell phone bill for XXXX XXXX XXXX XXXX it's a Identity theft acct because XXXX opened cell phone acct for someone who stolen my personal Identification without verification and i have place a note and fraud alert at all three credit bureaus if someone try to open an acct in my name i need to receive a call from the creditor first to prevent fraudulent activity but i never any call from XXXX that cell phone acct was opened ilegally in my name my social security and my drivers license were stolen in XX/XX/XXXX and XXXX was granted a cell phone to the person who stolen my personal Identitfcation but i file a police report more 4 times before somebody broke into my car stolen my personal identitification On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when i lost my wallet this is unfair debt Deceptive and Abusive practices.
I want TSI to stop all the email Harssment and Threat and misleading the consumer.
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| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
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.
|
| 02/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Good Afternoon, To whomever reads this, I need some help with about a dispute that I am falsely being accused of owing to an allotment company called Transworld Inc. There company claims that I own them for a bill of XXXX dollars since XXXX from a claim from a XXXX energy company called XXXX to which their claimed money from me in XX/XX/XXXX. But the problem with that is never used either of these companies in my life ; especially since Ive never rent, owned, or stay in a place with a utility bill in my life as of right now. And during that claim, I was stationed and living in XXXX, XXXX at the time of the original bill. I keep trying to dispute this claim to the credit company, but I am consistently not getting an answer to my problem or to even getting this problem resolved. This current discrepancy has brought my credit score from XXXX to XXXX, and at this current rate, this problem will grow to be more damage that what its worth. Please as much as you can.
Very Sincerely, XXXX XXXX XXXX
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| 05/21/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
This complaint relates to your Case # XXXX. I am a parent co-signer paying the loans that were put In collection due to my Chapter XXXX in 2013 even though my son was paying the loans current at the time. Payments were made to XXXX, XXXX and XXXX for XXXX XXXX XXXX since 2013, but I have never received statements, prior payment history, how the payments were applied nor have I received a XXXX tax statement. I have never seen the original documentation from them. They had added the accounts to my credit report as well as my son 's. XXXX, XXXX, XXXX and XXXX removed the accounts from the credit reports early this year and I have stopped making payments as my son wants to try to settle and/or refinance, but we need the accurate history of the loans. The above referenced case number required that, but I never received notification of this case or it's results. The loans have been transferred to a different collection company who is calling both of us. There documents are included in this complaint.
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed a collection on my credit report for a hospital bill that I never remembered receiving treatment it says from XX/XX/2014.
I disputed this with the credit bureaus and they stated that it was my account and verified. Then they sent me a letter saying a bunch of medical procedures and drugs that the hospital gave me as well as an itemization of everything I allegedly had that was treated for.
Noted, there are XXXX family members that have the same name as mine only difference is our middle initial. I never received ANYTHING from this company prior at my mailing address.
I believe rights were also violated per HIPPA since they listed medications, and what the charges were. This debt has never been proven to be mine but any 3rd party collection shouldn't be sending me an alleged bill stating that I take XXXX which is a narcotic. I'm embarrassed that there is a document with my name on it with all these services and medications listed. I am seeking a lawyer to remedy the legal aspect.
|
| 07/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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X/XX/17 I received a phone call from Transworld collection services regarding an unpaid med bill from XXXX XXXX XXXX in XXXX NJ. I have not been to this doctor in 2 years nor have I ever received a bill. Transworld wanted my dob and ssn as well as address. I did not give this information. I advised I would call the doctors office. XXXX advised that I had a XXXX balance and that they were having problems with Transworld. I was advised that I was the 100th patient calling that morning. Today I got another call from Transworld. This time I asked for a supervisor. I advised him that I did not owe any money to XXXX and that XXXX had advised that they were having issues with Transworld. I told him to call XXXX to straighten this out. He advised that he needed my ssn ( last 4 ) and dob to resolve this. I refused to give it to him and told him never to contact me again as I owed nothing. We went back and forth for a couple of minutes before he agreed to take my number out of their call log.
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Notice of Dispute Transworld Systems Inc. is a third party debt collector, and they are illegally attempting to collect an alleged debt in the amount of {$310.00}.
Pursuant to 15 USC 1692g ( b ) I am demanding Transworld Systems Inc. provide the name and address of the original creditor, and cease collection of this alleged debt.
Pursuant to 15 USC 1692f ( 1 ) I am demanding Transworld Systems Inc. provide the authorized agreement between myself and Transworld Systems Inc. that created this alleged debt in the amount of {$310.00}.
Failure to provide any and all information is a violation of the FDCPA. Which will make Transworld Systems Inc. civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k.
Transworld Systems Inc. has 5 days to respond to this CFPB complaint.
|
| 12/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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On XX/XX/2020 I called Transworld Systems to resolve a debt that was on my credit report. I was told that the balance I was referencing was {$56.00} but also had another balance on a bill that was {$28.00}. The representative with Transworld said that the {$28.00} bill is not on my credit report because it is under {$50.00}. I specifically told the rep that I want to pay the {$56.00} balance and not the smaller one. I made the payment on the same day. After checking my credit report, I have noticed that only half of the amount was shown as paid. I called Transworld back onXX/XX/2020 to inquire about it. I was told the payment was split up and half of it was applied to the other debt. It is my understanding that when I pay a bill and ask for the amount to be applied to a specific bill, that it has to be done and not just applied to what ever they would like to. They told me that it would be corrected but I'm not certain that it will get done. Both of these conversations were on a recorded line.
|
| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
On XX/XX/2023 a collections claim was placed on my credit report under the company of Transworld Systems INC. I contacted Transworld and in order for me to verify with them but they wanted me pay them {$1.00}. I did not pay the amount requested because I did not trust the company or claim.
I then went to XXXX and ran a credit report with them looking for collection claims. A claim on my credit report was present in the amount of {$280.00} for a utility company XXXX XXXX XXXX XXXX in XXXX Texas. Contact XXXX. I then contacted them to verify. After confirming there was an account opened under my social and name, I told them that it was identity thief as I am not a resident to Texas, do not own any property in Texas and do not have any family or friends in Texas. The rep was understanding and summitted a claim in on the company 's behalf but told me I would have to report the claim to FTC, submit an identity theft claim report, and a police report.
I was provided with a claim number of XXXX.
|
| 02/14/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This complaint is about a request for personal information and a concern for identity theft.
I received calls from XXXX on XX/XX/20, which my phone listed as potential spam. I answered and was told that the call was from a debt collection agency that was collecting a debt of {$100.00} from an energy company, asking me how I wanted to pay. I hung up and called the energy company ( I don't remember, it may have been XXXX XXXX ) and was told I needed the account number to check if I had an outstanding debt.
I called the 855 number back, spoke to a different operator who gave me the name of the town I was living in at that time. He said he did not have the account number for the energy company. He asked for my current address and last four of the social, which I XXXX gave him. He said he was going to follow-up and mail the billing information to me.
I have not received a bill yet, although my mail is currently being forwarded to a temporary address. I am fairly sure that this was a scam.
|
| 06/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On X/XX/17 I received communication from this company Transworld Systems INC of a debt which is currently being paid monthly with no missed payment to XXXX. They are yet another company that XXXX is attempting to use to try and discredit my credibility. I do n't deal with collection agencies I pay my debts to creditors as I have been from day one with XXXX I would like to charge XXXX and even this company if they continue to harass me for payment of an account I 'm paying. They are in violation of FCRA and I 'm tired of the harassment. I do n't owe XXXX nothing, I 'm paying them every month. I will not pay anyone else for the debt simply because I have no signed contract with them including this company. Unless this company can provide valid proof of this account not being paid to date. I suggest they allow XXXX to continue to receive payments until it 's paid and cease any further contact harassment with me for XXXX. I 'm including again valid proof of all payments to date in this matter.
|
| 10/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.
Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.
Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.
HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.
They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''.
Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating my credit file " as paid '' is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractualdocuments stating and proving that I agreed to and that I am responsiblefor this account. There have not been any agreements baring my signature provided. Therefor, TSI has no legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.
|
| 03/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment.
My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.
|
| 05/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
TRANSWORLD SYSTEM INC is reporting a collections account on my credit report for the amount of {$870.00} past due as of XXXX XXXX
Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent.
I have never received any notice of this collection. I have no contract or account with Transworld System Inc I requested from TRANSWORLD SYSTEM INC the following in order to validate the legality of this debt.
1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract.
2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA
|
| 09/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now Transworld Systems is refusing to remove the collection from my report as well.
|
| 12/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently received a delinquent inquiry flagged on credit report on XX/XX/XXXX in the amount of {$780.00}. It was from a presumed XXXX account from Transworld. I contacted Transworld because I had no knowledge of the account. Transworld informed me it was from a XXXX XXXX account. I contacted XXXX XXXX and they informed me that the account was from XXXX XXXX and was under another name ( not mine ) but it was my social security number attached to the account. I informed them that I had no knowledge of this account from XXXX and never received any notifications during the time frame up until now with it hitting my credit in delinquent status. I was told by a representative I would have to report as fraud though my local police department before and if anything could be done and I was also advised that I could file a complaint on the XXXX XXXX cite through the email portal. I have reached out twice via that portal and have not received and feedback or call back regarding this issue.
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX.
|
| 02/13/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Complaint is against XXXX XXXX XXXXt and their subsidiaries. I am being charged for 4 loans and can only recall receiving 2. I have been sued by these second hand creditors who have failed to provide legitimate documentation for two of the loans but due to my not being able to afford an attorney the judges chose the sides of the attorneys. Loan amounts are {$29000.00} XXXX XXXX XXXX XXXX XXXX, {$24000.00} XXXX XXXX XXXX XXXX, {$16000.00} XXXX XXXX XXXX XXXX, {$24000.00} XXXX XXXX XXXX. Also The interest rates were not fully explained and the loans actually doubled for repayment. XXXX XXXX pretended to be a lender that had the best interest of the students but was not. My mother, XXXX XXXX who was my co-borrower and I have been harassed by each of these debt collection agencies. I am asking that my complaint be included with the XXXX XXXX XXXX complaints and that the loans are re-evaluated and that me and my mother are only responsible for the 2 loans received.
XXXX XXXX ( XXXX ) XXXX
|
| 06/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Several different third party collection companies continue to send me a toll bill with different amounts from a state I do not live I have pay several invoices with different amounts from almost a year ago each time I ask is there anymore invoices in the systems they say no this is it then they waive administrative fees and I pay ... I have disputed numerous times based on duplicate invoices cooying of photos and creations of invoices, receivable too old based on date of violation and no violation code on invoice and different numbers and amounts on same collection notices from different companies. I believe this too be fraud and invoice and billing abuse because I am an out of state resident.
Again I dispute all invoices with.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, Oh XXXX XXXX Account # XXXX Creditor 's Account # XXXX Violation Code 0000000 I was there XX/XX/2017 I have paid numerous tolls while there and the ones sent through mail and was told that was it ....
Thanks XXXX XXXX
|
| 03/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company, with whom I have no business, has called me three times this week during my working hours. They refuse to tell me what type of company they are or what they want. After looking them up online, they seem to be debt collectors. I do not have any accounts that are not under payment and have run my credit report to verify. I have advised to not call, yet they call still. They are asking for my personal information ( address, license number ). I have advised them if they have business with me to send in writing through the mail, but they become hostile demanding my address to " confirm. '' If they have this information, they can mail me, as I have no way to confirm who they are nor what they want. They are unable to prove who they are and quickly end call when you call them out for being scammers and harassment.
XXXX has called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX has called on XX/XX/XXXX at XXXX XXXX ( XXXX, I have a copy of this recorded call as well )
|
| 04/26/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
CFPB has a lawsuit against XXXX XXXX XXXX XXXX XXXX. I believe I am a victim of fraud from this company. The supposed student loan is being serviced by XXXX XXXX XXXX. To date I have paid $ XXXX on this loan where the original amount was {$13000.00}. I contest the loan and finally stopped making payments.
I have asked numerous times who is the owner of this supposed debt and get the runaround from the company. They claimed it came from XXXX XXXX and when I called XXXX XXXX they claimed there was no account under my name. I believe this is a fraudulent loan. I reported that to the company and they did nothing. I stopped making payments and now they are reporting negative things to the credit bureau. I asked them to settle this debt for {$1000.00} and they have ignored my requests. I have sent them demand letters and they have ignored those requests. I am almost certain I am one of the countless victims of fraud that stemmed from CFPB putting a lawsuit against XXXX XXXX XXXX XXXX XXXX.
|
| 10/05/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Dear XXXX ; XXXX/XXXX/XXXX I received a letter today from the Law firm XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXThe letter stated they were garnishing my wages on a loan that I had desperately tried to repay for the last XXXX years. XXXX XXXX refused all offers to repay this loan. Asking for exuberant monthly payment amounts. Advising the debt would continue to gain fee 's and interest unless the total balance was paid in full. I advised their practice to repay a debt was ridiculous and unethical. Questioning several times how can a {$20000.00} dollar loan accrue {$14000.00} dollars in interest and fees? My sister-in-law cosigned the loan for me in XXXX, AZ in XXXX. I 've contacted the law firm by mail stating what I could afford to pay and they rudely declined my request. XXXX XXXX a Minnesota based law firm sent paperwork to my employer to begin garnishing my wages which I can not afford to happen or I will lose my house.
Very Respectfully yours, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
|
| 02/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
ON XXXX/XXXX/2016 I discovered a debt owed to XXXX on my credit report being reported by Transworld Systems. I found this strange since I always pay my bills and never was notified that I owed XXXX any monies. Upon contact TSI, I advised them of the situation, to which quickly we figured out they had an incorrect address for me. Clearly, this meant I was never properly notified of the problem. Should I have been notified of this bill and the impending credit reporting I would have paid it and avoided any credit reporting or continued collection attempts. I remain adamant that their failure to notify me in any capacity, phone/mail/email of a potential adverse remark being placed on my credit report is not in compliance, and request they allow me to rectify this without the penalty of it being on my credit report for 7 years. I demand they properly notify me of the balance and allow me 30 days to pay before it reports on my credit reports like every other consumer is afforded that right.
|
| 03/19/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
|
|
Web |
|
|
On XX/XX/XXXX at XXXX CST, XXXX XXXX XXXX called my place of employment ( my desk ), after being transferred from the operator, from phone number XXXX. I was sued ( served ) by XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I had retained a lawyer and both cases were dismissed. One was dismissed in XX/XX/XXXX and the other in XX/XX/XXXX. These cases were dismissed without prejudice. The first one was dismissed because XXXX XXXX XXXX dropped the lawsuit and the second was Dismissed for Want of Prosecution. I should not be receiving phone calls from XXXX XXXX XXXX as both cases were dismissed. The statute of limitations has also passed ( 4 years in Texas ). XXXX XXXX XXXX has never contacted me at work and I am unsure why they are attempting to contact me at my place of employment given the reasons above. When they called they stated that it was regarding a personal matter and asked for the last 4 digits of my social and mailing address. I refused to provide either and hung up the phone.
|
| 06/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XX/XX/XXXX at XXXX XXXX from phone number XXXX ( XXXX ) XXXX Transworld system attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of XXXX XXXX XXXX XXXX XXXX services. This is starting up I feel because I have in placed a formal review with XXXX for the negitive reporting done by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on XX/XX/XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my past XXXX ( XXXX ) Federal t ax returns. These payment are made directly through EFT to this company out of my XXXX check from SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
|
| 10/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my 2nd complaint. I have requested validation of the alleged debt, not verification, in writing twice. The company is either unwilling or unable to do so. This is a violation of the FDCPA. I have disputed with XXXX. This company continues to report to XXXX which is a violation of the FCRA. They have removed it from XXXX but not XXXX. They have had months since my last complaint to either validate the debt or remove the credit bureau listing. Simply sending a copy of a bill is not enough. This bill goes back to when the utility company was own by a different company. This bill shows service being billed while I had an active account at the same address. This bill has only one number different in the account number. I believe this to be a mistake. A bill does not provide enough information for me to research my own records. There is nothing that proves I ever agreed to be responsible for this alleged debt. I have exhausted my resources and I will be pursuing litigation shortly.
|
| 03/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a bill from XXXX XXXX XXXX XXXX for medical procedures in the amount of {$240.00} I paid the debt on XX/XX/XXXX and have a credit statement to prove it. Apparently it had been sent to debt collectors : Transworld Systems INC prior to that. Since then I have received multiple correspondence from them trying to get me to pay the debt.
I called XXXX XXXX XXXX to confirm my account was paid in full on XX/XX/XXXX.
On XX/XX/XXXX the billing department called and confirmed that my account was paid and that they would contact the debt collectors to tell them.
On XX/XX/XXXX I received a debt collection notice for {$240.00} dated XX/XX/XXXX stating : " It has been our experience that much of the debt assigned for professional collection is resolved before it reaches this stage in the collection process. This matter, however, has not yet been resolved ''.
I called XXXX XXXX and Transworld Systems INC to dispute the claim with no success yet. Again -- this debt is paid in full.
|
| 09/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For a little over a week I have been getting 4-5 calls per day for medical debt collection that is a result of the doctor incorrectly coding the procedure. The procedure, as verified by my primary care doctor and my insurance provider, is covered 100 % by preventative, but, the doctor 's office that performed the procedure ( and acknowledged with me that the entire procedure was preventative and NOT diagnostic ) coded it incorrectly ( against what they said and agreed was preventative ) as diagnostic. So, it is a simple fix for them to get their money and they, for some reason, still keep insisting the account is not paid ( because they have not changed the XXXX coding to preventative ).
Transworld ( I talked to a supervisor today named XXXX XXXX XXXX has been calling 4-5 times a day for collection including as early as XXXX and as late as XXXX. It was once a day for about two weeks and beginning last Thursday, XXXX XXXX 2017 it has been 4-5 times a day including one Saturday call.
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received a call from a family member that they received an already opened packet of information that contained account information, account numbers, balances and information pertaining to an attempt to collect a debt.
On XX/XX/2021 I called Transworld Systems Inc. who is the company that sent this communication to my family member 's address. I spoke to XXXX XXXX, a supervisor.
I asked them who consented to them contacting my family member and who authorized them to send them an entire account history? XXXX was unable to find out where they got my family members address from.
I notified her that XXXX XXXX XXXX XXXX which is the original creditor has my current information due to a current and pending legal matter I have with them regarding this same debt they are attempting to collect.
On XX/XX/2021 I gave Transworld Systems a cease and decist notice and they continued to contact me but this time they sent the communication to a relatives house and not mine.
|
| 11/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am in receipt of a copy of my credit report reflecting invalid debt that I do not owe.I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received a copy of my credit report.What I find strange is your attempt to settle the debt with me when I don't owe you any money in the first place! Why would I settle on something I don't even know?! Again, I don't owe you any money! With all of that being said, please see this complaint as me disputing this alleged debt with your company as well as requesting debt validation with the signed COA.Thirty days is more than enough time for you to send CFPB and myself a response with legal supporting documents bearing that I've done some type of business with you, hence owing you money. Furthermore, State of Florida requires all collection agencies to be licensed and bonded in our state to collect on any debt you say I owe your company.
|
| 04/14/2017 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
I received 3 phone calls today from Trans World Solutions Inc. one phone call was at XXXX HST, XXXX HST and XXXX HST. All calls came from XXXX.
During my call i originally spoke with XXXX XXXX. He did not want to give me the company address and transferred me to his supervisor XXXX XXXX who did share the address ( XXXX XXXX XXXX XXXX, DE ) but did not want to share the professional license number. He then Transferred me to the manager XXXX XXXX XXXX. XXXX continued to state that he could not discuss the professional license number with me and then said " since you do not want to confirm your address we can not disclose this matter. '' I requested several times after being on the phone with 3 different people over the course of 10 minutes for a verification of who they were and was unsuccessful doing so. I have no problem paying the debt, but I do have a problem with unprofessional and sneaky service. I should not have to provide ANYTHING to them without them verifying who they are.
|
| 08/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was in the United States XXXX and applied for a XXXX credit card to shop at XXXX XXXX. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher.
These various companies added more than {$12000.00} to the original amount and the current Collection Agency - Transworld Systems , Inc filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop.
Please help me checkmate this company.
|
| 05/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
About a month ago upon checking my credit report I noticed a collection from a collection agency called Transworld Systems was on my credit report. I attempted to contact the debt collectors on several occasions requesting in writing a verification of how and why do I owe {$1200.00}. On XX/XX/XXXX I contacted the agency for the second time with the same request and on XX/XX/XXXX the agency called me back asking about payment I again requested in writing an explanation of the debt. The agency stated that they would have contact the original creditor and send me out a statement and then said or I can pay the bill in full.
I again contacted Transworld systems by phone on XX/XX/2020 inquiring about the written date or bill again they told me that there was nothing they can do and they have requested a summary from the original creditor XXXX XXXX XXXX I insisted that I needed to clear this issue up as soon as possible to no avail, they kept telling me the same thing over and over again
|
| 11/04/2016 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
Transworld Systems Inc. mailed me a stack of supposed medical bills for services provided to my late wife. In an effort to hinder my efforts to resolve the matter they put an incorrect contact phone number on their notice. Their notice fails to provide even the most basic information to allow me to identify what service they say money is owed for. They just say i owe the money because they say so. On XXXX/XXXX/16 when I called they refused to tell me or send me any information because they claim they already sent it by guaranteed mail but refused to even answer the question about who 's signature was on their supposed guaranteed mail. I feel it is reasonable to assume that their claim of sending via guaranteed mail was a blatant lie based on their failure to even acknowledge that I asked who signed for their guaranteed mail. Finally, they repeatedly tried to interrupt me while I was in the middle of a sentence and then hung up on me because they claimed that I was talking over him.
|
| 05/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}.
In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost.
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by TRANSWORLD SYSTEMS INC. They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
I was not billed by medical service company, and was not sent any prior notices prior to collection being put on there. Also, they failed to mark account as disputed when I sent them my dispute by mail. The collection company harassed me on the phone.
My accounts information are : Account Information : Account Number 1 : XXXX Date Opened : XX/XX/2017 Balance : {$210.00} Account Information : Account Number 2 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Account Information : Account Number 3 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Solution : Deletes my accounts from all credit bureaus and waives the balance.
|
| 09/09/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
on XX/XX/XXXX at approximately XXXX XXXX I received a call from a company that would not identify itself. The person informed me the call was being recorded and asked me to confirm myself and address. I asked them to identify themselves and they refused. They again asked me to confirm an address and I informed them I do not confirm information without knowing who was requesting the information. They terminated the call without responding. They called from XXXX At XXXX XXXX also on XX/XX/XXXX I received a second call from XXXX. After answering I was met with silence and I decided to wait for a response. There was no response for 9 minutes and I hung up the phone.
A ) I find this to be a rude, deceptive and unfair act B ) Under the CARES ACT of XXXX ; On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections,and waive interest on ED-held student loans until XX/XX/XXXX. This collection attempt is a violation of the federal Act.
|
| 09/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American, Servicemember |
|
There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and Transworld Systems Inc.
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for XXXX XXXX. I refused, I don't own them anything the bill The Transworld System Inc. treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the XXXX XXXX XXXX XXXX XXXX.
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
|
| 01/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
Around noon of XX/XX/XXXX I received a call at home from Transworld Systems. My phone would not disconnect from them and kept my answering machine on for some time. When I came in the house I heard the sounds of a boiler room, many people talking to others. I could not disconnect from them no matter what I did. I called them from my cell phone, gave them my home phone number, and they asked to speak to XXXX.I know no one named XXXX. They refused to identify themselves as a collection agency and said they did personal business. They disconnected from my home phone while I was talking to them on my cell phone. I told them not to call me again and they said they enter my home phone as a mistake.
How they rigged the phone to not disconnect is certainly a harassment technique and should be illegal if not. My answering machine has minutes of noise and no message because of this. Transworld Systems is certainly wrong in calling me by mistake and wrong in their abuse of the phone system.
|
| 11/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reached out to this debt collector named Transworld System Inc on XXXX once I discovered the item on my credit report. I searched for the company online and there are conflicting phone numbers. I XXXX their address which is a XXXX XXXX XXXX XXXX, DE to see if I could find a phone number for them.which appears to be XXXX. I called the number and I spoke to a representative whom asked for my date of birth and the last four of my social and could not find any debt on file. He said Transworld has different divisions but could not instruct me on how to get in contact with any of the other divisions of Transworld. The debt showing on my credit report is {$500.00} and it has been reporting since XX/XX/2022. I have never entered into an agreement from this company. It also states that the original creditor is XXXX XXXX which is an utility company. I live in XXXX and XXXX XXXX doesn't service this city or the State of Texas and I have never entered into an agreement with this company.f
|
| 06/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Oh XX/XX/XXXX Transworld Systems appeared on my credit report as a collections agency for XXXX XXXX XXXX XXXX in XXXX. XXXX, Florida. I was a patient in the Emergency room at XXXX Hospital in XXXX XXXX, Florida in XX/XX/XXXX. The hospital had my Medicare card ( part A and B effective XX/XX/XXXX ) as well as my Veterans Medical Card that has been in affect since XX/XX/XXXX.
I immediately called Transworld Systems, they said they could not remove the debt but could file a dispute. I never received a call, bill or any other contact regarding anything owed.
I called XXXX XXXX billing. I was told that they had received payment from the va in Full, in XX/XX/XXXX. They told me they would send a letter and tell the collection company. To date they still have the collection on my report. I called them and requested they contact their contact. Im trying to refinance my car and purchase a Home. I need these items off of my report.
They refused to do anything until they were Notified.
|
| 02/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from TRANSWORLD SYSTEMS in XXXX of 2017 in the amount of {$910.00}. First and foremost, I have confirmed that the debt collector, TRANSWORLD SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, TRANSWORLD SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to TRANSWORLD SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet TRANSWORLD SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$910.00}.
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dear whom with concern, Hope all is well. I'm XXXX XXXX and thanks for your help.
Actually, I got a letter from collection company 'Transworld System Inc. '.
This is related with XXXX XXXX XXXX XXXX. I called to the company and they said it's about {$320.00} for 3 toll violation collections. Each is {$100.00} and the original amount is less than $ XXXX. I don't know when was the violations. I have XXXX account and I always pay the toll automatically by the Tag by XXXX since XX/XX/2016. I have all the transaction histories.
I called the XXXX and they told me it's already transferred to the collection company and they don't let me know when was the violations. And the collection company wants to contact XXXX.
so could you contact them and adjust total amount? I'll pay for the original amount but I can not pay over {$300.00} for them. And I'm worry about my credit history.
I attached the letter for {$210.00} and evidence of XXXX account since XX/XX/2016.
Thanks, XXXX XXXX
|
| 07/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection notice from Transworld dated XXXX XXXX claiming I had not paid custom fees for a XXXX shipment. However, I had paid those fees to XXXX on XXXX XXXX with my credit card. After being contacted by phone by Transworld, I let the representative know that the payment had already been made. I was instructed to email her the proof of that payment ( credit card statement ), which I did as we were talking on the phone. I remained on the line until she confirmed that received the email. She told me that was sufficient. However, I received another collection notice dated XXXX XXXX. I do not have any outstanding debt towards XXXX therefore this behavior from Transworld is unjustified and I am feeling harassed, not to speak of the time it takes to deal with them every time I receive a notice to avoid any negative impact on my credit history. Thank you for your assistance in resolving this matter and ensuring that Transworld does not treat other consumers in this manner.
|
| 06/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, I was alerted by an apartment leasing office agent that a recent credit report of mine, showed that I had a debt of approximately {$260.00} owed to XXXX XXXX. Under this account, services ( by XXXX XXXX ) were provided from XX/XX/XXXX to XX/XX/XXXX at the address : XXXX XXXX XXXX. Apartment B, XXXX, TX XXXX.
I have never subscribed to services provided by XXXX XXXX, nor am I familiar with the address related to this account. During the time of service ( XX/XX/XXXX through XX/XX/XXXX ), I was living in XXXX XXXX, XXXX and XXXX XXXX, XXXX The balance due has been in collections since XX/XX/XXXX, though I found out about it yesterday.
Eventually, XXXX XXXX sold the debt to Transworld Systems INC ( TSI ). The TSI account number related to this debt is XXXX.
I am concerned that my identity has been stolen in order to open the account with XXXX XXXX. I am also concerned that the debt has negatively impacted my credit score. Please help me resolve this. Thank you.
|
| 12/12/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I was a student at XXXX college. I had a loan through the school via XXXX XXXX. The school was shut down and now a private collector, University accounting Services is attempting to collect on the loan. All other loans through were forgiven by the US Department of Education. I have been paying on this loan so as not to damage my credit however the company, University Accounting Services, have been mishandling my records and gving my information to other companies who have been calling me attempting to collect on the loan. Secondly the college and company owning my loan have filed for bankruptcy in the state of Maine. I was notified of this. My complaint is that University Accounting Services is mishandling my financial information and charging me for a loan that should be forgiven. Secondly University Accounting Services Representatives claimed they never sent my loan to anyone else for collection and that the company calling me and sending me letters, XXXX XXXX, are fraudulent.
|
| 04/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Transworld Systems , Inc. ( TSI ) is a debt collector for XXXX XXXX ( XXXX ). They claim our XXXX owes XXXX {$110.00} for services on XX/XX/XXXX at a building we sold to others on XX/XX/XXXX. Long before XX/XX/XXXX, on several occasions, I called XXXX and told their representatives about the sale. Following receipt of a debt collection mailing from XXXX, I have written a letter in response which will be mailed today, XX/XX/XXXX. A copy of that letter and a cover letter are being sent to XXXX, also to be mailed today. In spite of my messages to XXXX that we no longer own the building, XXXX never refunded the unused portion of our XXXX 's annual payment for year XXXX. In the cover letter to XXXX, I requested a Refund of {$200.00} for the unused portion of the pre-payment for XXXX. I will be awaiting responses both from XXXX and XXXX but I request that you contact both companies and report this complaint. Thank you. Attached are several documents concerning the above information.
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX XXXX XXXX and I was residing in California at the time this account was opened. They asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, This account recently re reported to my credit profiles in XX/XX/XXXX for {$370.00} which is inaccurate information because this account does not belong to me. Initially the account was reported back in XXXX in which they deleted it and attached is a letter I received from them now they are reporting that I owe the same amount but under a different account number, I believe this company is trying to defraud me and the appropriate action needs to be take and they need to be held accountable for reporting false information damaging my perfect credit. Please remove this account immediately.
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| 05/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX contacted me saying I owed them money on a delivery. I said I paid for an item, and paid the seller for all shipping costs. If he still owed money they should NOT have shipped the item. Whenever I ship something on XXXX, I pay in advance before they ship. I said it sounded suspect that they are coming back to me for more money, when this has never happened before.
Regardless eventually I said I would pay the {$36.00} ( because they kept mailing invoices ) and it was a trivial amount, only if I could pay online, and if they could tell me how. I tried countless times and it never worked, I called them 3 times and they said they didn't know how either.
Eventually it went to debt collection, but there was NO WAY for me to pay, and I said I would not write them a check and mail it as it costs additional money, which I shouldn't even owe in the first place. I then got a notice from Transwold Systems which I am disputing.
Company : XXXX XXXX XXXX : Transworld Systems Inc.
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| 07/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
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|
Web |
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I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX.
I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Transworld System Inc is improperly reporting a collection account for original creditor : Arizona Public Service. This account was paid directly through APS and they send a deletion letter. Transworld System Inc is still reporting this on the credit report as a paid collection. I have reached out to them and they refuse to accept the letter from the original creditor. They also refuse to properly update my credit report. This account should never have gone to collections. This was a mistake of APS which they regret and have provided a letter stating that the account would be deleted from my credit. This is preventing me from getting a mortgage and the improper use of my credit report has already caused monetary damaged and will continue to do so if this is not removed. Under the fair credit reporting act, if information reported to the credit bureau is incorrect, the information must be deleted. This is the case here as Transworld Systems is reporting incorrect information.
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| 12/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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I have attempted to contact Transworld Systems Inc separately with no resolution. I also attempted to contact XXXX XXXX XXXX XXXX. They state that I have an active balance through XXXX XXXX XXXX XXXX of {$61.00} I provided documentation to both Transworld and XXXX XXXX XXXX XXXX 6 months ago showing that I have the payment confirmation receipt for this debt. I paid it on XX/XX/2019. The debt still remains on my credit report.
I filed disputes with all three credit bureaus. XXXX and XXXX quickly removed the item from my credit report once I provided support ( 2 days ).
XXXX conducted a sham investigation that took nearly a month to complete and refused to remove the item from my credit report. I filed a second dispute and they again refused to remove the item from my credit report.
I am filing this complaint because I do not think it is just to have to pay a debt twice due to faulty record keeping between XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX credit reports
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| 12/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I started getting medical bills from XXXX Florida medical center. Which i have never been to any sort of medical center in florida. So i called the number on the bill and tried to explain it has to be a mistake. They did not offer to help at all said that it was me and i need to pay the bill. So I contacted the Hospital directly and explained it could n't have been me i was working at my job in Indiana. So they were helpful and told me i needed to prove it some how to clear things up. So i had sent a Picture of my I.D as well as a signature to the hospital. I received a phone call stating that there was a mix up at the hospital someone with the same name and birthday as me was there but they lived in Florida. I stopped getting bills from the hospital. But as of today i received a bill from Transworld Systems for a XXXX medical bill. I will provide any documents needed to get this resolved for good! Just do not want my credit impacted over bills that are not mine. Thank you
|
| 06/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I previously filed a complaint about Transworld debt collection contacting me about XXXX XXXX account.
Today they sent people to my HOME. And I was forced to show identification, I was accused of being her over broke down cars in my driveway and I was humiliated in front of my neighbors.
In XXXX my father XXXX XXXX passed away, he lived with me, wether he was affiliated with XXXX I do not know its not my responsibility to assist a debt collection company. My mothers name is XXXX I finally sent them to her house after beating on my door 3 times in a 10 min period.
Attacking someone who has never had buisness with them AT MY OWN HOME is absolutely not ok and against multiple laws.
I was told unless I paid her debt or found her for them or accepted documents for her they would not stop.
I work nights they are disrupting my sleep and a man XXXX XXXX XXXX when I live alone as a woman is not ok.
I will be staying in a hotel I expect them to pay for until they cease.
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| 09/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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on XX/XX/2021 I received a letter from XXXX XXXX saying that my personal information including my medical records had been compromised on a cyber security hacked into their system on a letter that I will attach with this dispute. I had gotten multiple letters from transworld systems including medical records but when I ask them for medical release records in which I authorized third parties to have my medical records they totally ignore my dispute to the point that they are sending the same illegal and law breaking letters and just changing the date but still have the same response without providing medical releases. ON THIS DISPUTE I DEMAND TRANSWORLD SYSTEMS TO SEND ME MY MEDICAL RELEASES WITH AN AUTHORIZE SIGNATURE EITHER BY ME OR XXXX XXXX XXXX XXXX XXXX XXXXXXXX. IF TRANSWORLD DECIDES TO IGNORE THIS DEMAND I WILL HAVE NO OTHER OPTION BUT TO SEEK LEGAL COUNSELING. HOW DO I KNOW THAT TRANSWORLD SYSTEMS ARE NOT THE CYBER SECURITY HACKERS IF THEY CAN NOT PROVE OTHERWISE.
|
| 05/26/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
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|
Web |
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On XX/XX/XXXX, I spoke with XXXX XXXX from Transworld collection agency and he was rude and would not allow me to speak or ask questions. He specifically stated in my first call with him if youre not calling to pay, then you dont need to be calling. I called to make an arrangement to pay a SIF of {$5300.00} and I called on XX/XX/XXXX to advise that my check may not be available to pay the full settlement on this Friday due to my withdrawal n to pay this being a check that is in the mail. I do not have control over when I will receive this check in the mail. I then spoke with XXXX and asked that he reach out to the lender for an extension because I have every intention to pay the settlement of {$5300.00} when my check comes in that I have taken out to pay this loan off. This company acts as if they can not work with the consumer and makes speaking with them and paying this debt very hard. It feels like I am dealing with the mafia and they are making this process difficult.
|
| 09/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This is a complaint against Transworld Systems Inc. and the XXXX XXXX XXXX XXXX department.
On XX/XX/XXXX I received a notification from Transworld Systems Inc. that an account of mine has been placed with them for collection. The account is with XXXX and is in the amount of {$310.00}.
I have a payment plan with XXXX for this account that was started in XX/XX/XXXX. My monthly payments are current and complete. Please see attached for correspondence with XXXX XXXX XXXX XXXX department on setting up the payment plan, as well as the XXXX and XXXX installment payment confirmations.
XXXX should have never placed my account for collection. Additionally, this balance payment is for a medical bill that was not processed by XXXX in a timely manner with the insurance company - please refer to my XX/XX/XXXX CFPB complaint # XXXX. This will ruin my credit score and Transworld Systems Inc keep calling me while I am at work and not able to discuss sensitive details on the phone.
|
| 06/14/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.
|
| 03/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company TRANSWORLD SYSTEMS INC said I owed {$10000.00} for XXXX XXXX and Tolls. They agreed to take {$2000.00}. I paid {$200.00} every week from XXXX? XX/XX/XXXX to XX/XX/XXXX.
When I called to make the final {$600.00} payment, they came up with another figure that I owed them which was {$600.00}, they said I still owed {$1700.00}. I wasnt sureee but said ... Lets get rid of this debt. So the woman, XXXX XXXX, said pay {$1700.00} today, which I did and then every other week ( for 8 more payments ( pay {$200.00} every other week starting XX/XX/XXXX. I have already made 3 payments of {$200.00}, bringing my ( supposed ) debt down to {$1000.00}.
Today I got a bill from them ( typical ) in the ammt of {$8200.00}. So they say they will give me these deals ( drop the total and pay an agrreed upon ammount but keep sending bills for a larger ammt.
I no longer have a XXXX I just pay the bills as they come in the mail ... ex. XXXX BY MAIL etc. These people are scammers.
|
| 04/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I filed a complaint about Transworld Systems Inc attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a zero statement.
Here is the problem. Transworld Systems Inc provided CFPB a different letter than they presented to me. They deleted the fourth paragraph from the letter that was sent to CFPB. See attachment. The statement that was provided by Transworld Systems Inc has a XXXX balance. But, the letter to CFPB states a balance.
This collection was reported to my XXXX credit report in error, and XXXX has refused to delete the collection.
Based on the provided statement from XXXXD XXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, contractual insurance allowance, and allowance provided by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
|
| 03/25/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
As a student at XXXX, specifically XXXX, I was demanded to obtain partial student loans from XXXX and the remaining amount from XXXX. While in school, XXXX staff continuously demanded that I repay the loan while in school or suspended until the balance was current. In addition, although I completed all of the required courses and internships, my certification was withheld and has not been released to this date. Moreover, while at school, I was pulled from class on several occassions to discuss the status of the loan, when it needed to be paid, and what the repercussions would entail if I did not follow through with accurately paying on time. The US Department of Education finally approved my XXXX to repayment and cancelled the federal loans obtained while at XXXX. However, XXXX sold my account to XXXX and XXXX in the midst of CFPB 's law suit. XXXX is reporting the account as adverse, negative, and as a charge off on my credit report and refused to remove the reporting.
|
| 07/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We have used XXXX XXXX XXXX XXXX in the past until we had a dispute about services. We paid for the service anyway and discontinued their services. We have a new Lawn service that serviced us starting XX/XX/17 and no longer deal with XXXX XXXX. Now I am receiving letters from a collection agency saying I owe XXXX XXXX {$210.00}. I tried to contact the company and they asked me to provide them with the account number from the letter so they could pull up the account before they could discus it with me. The people I contacted was Transworld System Inc Collection Agency at XXXX. They informed me that the account number I gave was not long enough and asked if there were another code number listed that I could give which could not be located by myself anywhere on the letter. The lady at Transworld System Inc could not further assist me because we were not able to pull anything up with my name or the numbers provided. I have since received 2 more letters from this company.
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am filing a complaint about a debt our company knows nothing about, TRANSWORLD SYSTEMS INC ACCOUNT XXXX. I am requesting a cease and desist of TRANSWORLD SYSTEM INCXXXX all communication until we receive documentation over the unknown debt with XXXX XXXX XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent injunction. And it also appears Transworld operated under a different parent company in 2013 and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies. ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!
|
| 07/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Debt is the result of disenrollment from XXXX on XXXX XXXX. Under 28 USC 2815, XXXX has six years to initiate action to collect this debt. I was not notified of this debt until after XX/XX/XXXX. I have disputed the veracity of this debt since being notified. Since this debt was initially accrued ; I have gotten married, purchased two homes, two cars, and had XXXX children. This debt showed up on my credit report at some point in XXXX and was removed in XXXX. I was under the assumption that my unanswered protests related to the time-barred nature of this debt were heard. It is now back on my credit report as a collections account. XXXX has now sent this debt to Treasury who has forward it to a collections agency for servicing. I have been placed into the Treasury Offset program. I am requesting that this issue be finally resolved. That the debt be expunged due to its time-barred nature and that I be renumerated for the monies taken from me via the Treasury Offset .
|
| 04/07/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have a judgment against me and I have been trying to get in contact with someone about resolving the issue. I am being told that my file is " archived '' and that they can not open the file. In the same conversation I was told I had a XXXX balance and in the next breath I am being told I have a balance. They will not send me anything at all. Each time I call I have been transferred to another department or given a fake voicemail or hung up on. They refuse to send me anything because the file is " archived '' I keep getting told that my file isn't handled by this department and keep getting phone numbers for other departments. And when I call them or if they transfer me ( without hanging up ) then that department tells me they can't help, it is another departments responsibility.
I started this endeavor on Friday, XX/XX/2021 and today, XX/XX/2021 have tried to resolve my issue, but to no avail. So for over a week I have been jerked around and it is getting old.
|
| 11/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello. Transworld System Inc ( TSI ) has reported collection on my account several times to the 3 credit bureaus. I submitted a copy of the police report I filed to show I was a victim of ID theft, and I also submitted my utility bills ( as requested by TSI ) to show proof that I've only lived in XXXX XXXX, whereas the utility bills that are in collection are for someone who lived in Texas. I sent one correspondence on XX/XX/XXXX, and another correspondence on XX/XX/XXXX. They have not responded to me, and when I call the number that shows up on my credit report ( XXXX ), it says their mailbox is full and can't receive any more messages. I don't know how else to get these guys to stop harassing me with continuously reporting fraudulent accounts to credit agencies. They have been made aware that I was a victim of ID theft in XXXX, but they are constantly harassing me with new claims. How do I get them to back off permanently?
Thank you so much for all your help.
|
| 03/01/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I had a XXXX XXXX through XXXX XXXX .... It was generated for XXXX .... plus initiation fees etc .... When I finished with my term ... I was told that a credit balance was to be issued for XXXX dollars and change ... Then XXXX sold the load to University Accounting service .... When the loan was sold ... It was listed that the loan was XXXX not the XXXX there was no reflection of a payment of XXXX from everest in any of the statements from XXXX ... after repeatedly trying to get ahold of genesis, and talking to Univeristy accounting services, they will not tell me why the loans amount was changed, why they are not allowing a forbearance request while I dispute the genesis loan ... They are now telling me the loan was in default, because I told them I would not pay them until these conditions were clarified, and then I would pay interest only while my loan was being reviewed for discharge ... I am at my wits end dealing with them ... is there anything to help me..
|
| 03/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received an alert from XXXX XXXX- a debt was filed against me on XXXX from a company called Transworld System IncXXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to XXXX- This collection agency did not provide an account number or a service address. I filed a dispute with XXXX and they did a XXXX XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.
|
| 12/13/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have contact University Accounting Services multiple times through mail. I have requested a validation of the debt- I also sent the documents certified mail. XXXX has received my mail and then keeps emailing but is not emailing anything I have asked for. I have not got anything that I have requested. I have now sent an Affidavit of truth along with other documents to the company dated XX/XX/21. After continuing to get ignored I took charge and found multiple violations. I marked my exhibits and sent them in.
15 USC 1692 15 USC 1692 ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692d ( 1 ) 15USC 1692e ( 11 ) 15USC 1692f ( 1 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) Since starting this process I have continued to pay because I do not want it to hurt my credit however it is getting ridiculous since I have asked for specific documents and I haven't received them, however I don't believe I should have to keep making payments.
As of today the balanced owed is : {$1200.00}
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : TRANSWORLD SYSTEM INC/ Account Number : XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 03/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent two validation letters in XXXX/XX/XX/2021 to Transworld Systems regarding them that they're in valuation of HIPPA law in attempt to try to collect on a debt. The company has failed to validate my debt. Instead they sent me a list of my medical records instead of my HIPPA release form which I requested in the letters I sent which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I also requested for Transworld Systems to send me this specific information in those letters with my signature and to see how they receive this private information regarding my personal health and they failed to do so. This negative reporting is damaging my credit worthiness to obtain housing for my family in these struggling times we all are living in. Please delete this information from my credit file and cease all collection activities failure to do so I will be perusing legal actions.
Thank You
|
| 02/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract form of any accounts that you post on my credit report.
I am requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed below the accounts that are still on my credit report that are not my accounts, and need to be removed promptly. Under FCRA unverifiable accounts must be removed. I have NEVER had any accounts opened at XXXX XXXX. This has lowered my Credit 17 Points and this is NOT my debt.
This was not my bill and there was no proof given that it is. I have send multiple certified letters and this still remains on my credit. Please delete this off my account if you can not verify physical records, this is affecting my credit, Account XXXX XXXX XXXX XXXX Ohio Not my Account/Remove
|
| 05/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
From XXXX XXXX XXXX at XXXX XXXX XXXX XXXX last called XXXX XXXX XXXX says it 's an attempt to collect a debt and I should call her back. Has phoned about 5 times. I am not aware of any outstanding debt except my credit balance. XXXX XXXX XXXX company, this is an attempt to collect a debt and any information obtained will be used for that purpose please return the call to XXXX XXXX XXXX at XXXX XXXX again. That 's XXXX XXXX XXXX at XXXX . Thank you. Trans world systems incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose when calling please refer to your ID code XXXX XXXX XXXX XXXX . Thank you. PLAY MESSAGE YOUR ACCOUNT HELP CENTER HELP FORUM To edit your email preferences for voicemail, go to the Email notification settings in your account. XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
|
| 01/29/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
Between XXXX and XXXX I rented a room. I then moved from the address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX. A couple of years after I got a call from a collection agency called TransWorld Services stating I had a collection for a XXXX XXXX account that I never opened. I was informed that the account closed on XX/XX/XXXX. I tried to explain to the collector it was not my account that I had moved out months earlier and that someone in the house where I rented a room, might have opened the account under my name since I had not lived at that address for over one year, and had received calls from other collection agencies claiming that I had balances owing. Even after disputing the account Transworld would not remove it from my credit. I ended up paying for a service that I never opened. I am requesting your assistance to have this negative reporting be removed from my credit since it is not accurate reporting as it has been stated to Transworld for years.
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| 06/17/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I was contacted by TRANSWORLD debt collectors on XX/XX/2019 saying I owed {$7900.00} from the department of veterans affairs, which i know is false I only owe around {$6000.00}, they called saying it was an attempt to collect the debt and i proceeded to talk on the phone with them to see what we can do. they did not understand why I couldn't pay off the full amount at once and then asked if I could pay half right then and there, which I also couldn't do. they then hassled me into paying an amount I can't afford after saying numerous times that I dont have that amount of money. ( around $ XXXX/month ) they said i was on a certain kind of debt owed program and needed to take out as much money a month from me as possible. I've never heard of anything like that before, so I tried to meet them in the middle saying I could pay $ XXXX/month but they still proceeded into hassling me into paying more and will not listen to me and are taking out more than my paychecks.
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| 05/05/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
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|
Web |
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I am a resident physician with medical school loans. These loans are supposed to be in full deferral while I am in residency. This was approved each year. Additionally, I was granted a COVID-19 full deferral where interest is not supposed to accrue through XX/XX/2021. I have dealt with customer service several times on the phone who says the interest will be removed and will stop accruing. However, it continues to accrue each day and my balance continues to increase, in error. I previously placed a complaint for this and it was closed without being addressed. As you can see, I attached my statement showing interest is still accruing, now in the amount of {$120.00}. This needs to be removed and the interest needs to stop accruing. University Accounting Service , LLC has done nothing of substance to actually address this issue. They simply say that I should not be accruing interest, and still continue to charge me interest. This is unacceptable and fraudulent.
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| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/2020, TSI, Transworld Systems Debt Collection reported an unpaid account on my credit report - amount {$220.00}. The original creditor is an electric company in Texas, XXXX XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX. I had never even heard of XXXX XXXX.
I contacted XXXX XXXX and they told me that my information does not match the information of the person who opened the account, including the social security number. They told me to contact TSI.
I contacted TSI and they told me that the account opener had a different name than myself, and a different home address, but that my SSN was the number associated ( If the companies disagree on the SSN, somebody is committing fraud ), I opened a dispute with TSI and they promised to contact me.
I filed a dispute with XXXX credit reporting and it came back simply saying that the information was verified. TSI never followed up and told me that they would do nothing.
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| 04/24/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
|
I have student loans that my mother cosigned for. They intercept my tax refund every year although I have been paying $ XXXX / mon th also. I have not been able to pay this year but they did receive over {$1000.00} from my refund. My mother ( who cosigned ) is elderly and on SS. I am currently unemployed due to no transportation ( very rural area ). We live together and between the XXXX of us ( XXXX separate cell phones ) they call a minimum of 15 times daily. They use many different numbers. This is Transworld Systems Inc. The lady XXXX was abusive verbally to me when I answered several months ago. They 've been relentless since at least XXXX . We are 100 % fed up with so many calls every day. I will not put up with being told I am a " burden on my mother '' and " need to get a job '' again. I 'm currently unable to make any payment but the ones I have add up to over $ XXXX /month. This company needs to stop their bullying and harrassment!!
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| 06/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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This complaint is against the co mpany " Transworld Systems ''. Currently, they are reporting that I owe them a total of {$1400.00} on my credit. I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : " XXXX ''. My report indicates that the account has an " open date '' of XXXX 2016 .
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| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I filed my XXXX IL income taxes late. This resulted in a penalty. Illinois Department of Revenue billed me about {$1000.00}. I entered a payment agreement with them. To date, I have kept up my end of the agreement. I have made two payments for {$100.00}. One was made before agreement was set up, other was made XX/XX/XXXX, on schedule. Additionally, I paid a {$180.00} down payment.
The purpose of entering the agreement was to PREVENT the debt from being sent to a collection agency. I did not want a smear on my perfect credit rating.
Yet despite this, Illinois Department of Revenue sent my debt to Transworld System Inc.
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, IL XXXX XXXX XXXX Transworld made a derogatory credit bureau filing which has already impacted my relationship with XXXX XXXX, and now they're harrassing me by calling my cell phone XXXX XXXX XXXX.
Please cause Illinois Department of Revenue and Transworld to cease and desist collection action.
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| 08/31/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I was charged for Service with XXXX when technician never came out to install service.
I called to order service from XXXX on XX/XX/2019. I was notified that the technician would be late but the technician never came. Then I was rescheduled to install service on XX/XX/2019 and a technician never came. Then I was rescheduled to XX/XX/2019 and no one came. Then my installation was rescheduled to XX/XX/2019 and I waited for a technician to come and they never came. I was then notified that the order was completed on XX/XX/2019 without a technician ever coming to install. I then called XXXX to tell them it was not installed and the operator remarked it was strange and that they will investigate and remove the service. Then I get a bill for the service and I called XXXX again and they said that they are going to remove the charge. I later get a collections from this " Service '' I have never received. I called to dispute and nothing came of it at first.
|
| 08/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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TRANSWORLD SYSTEMS INC IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M ( F ) PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT! THIS DEBT WAS OWNED BY XXXX XXXX WHO WERE SUED AND THIS DEBT WS DISCHARGED XX/XX/XXXX. NOW TRANSWORLD IS REPORTING THIS DEBT AS OF XX/XX/XXXXXXXX FALSELY TO ALL 3 MAJOR CREDIT BUREUS. I FULLY INTEND TO PURSUE LITIGATION IN ACCORDANCE WITH THE FCRA TO ENFORCE MY RIGHTS AND SEEK RELIEF. TRANSWORLD PURCHASED A DEBT THAT WAS DISCHARGED AND NEVER ALLOWED ME TO VALIDATE THT THIS WAS EVEN MY DEBT OR ACCURATE. LASTLY, TRANSWORLD IS IN VIOLATION OF USC 1681 C-2. I AM 100 % WELL AWRE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) TRANSWORLD ARE CRIMINALLY LIABLE FOR GIVING FALSE INFORMATION TO THE CREDIT BUREUS AND THEY ARE LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS DEBT. THEY ARE LIABLE FOR 2X OF THE FINANCE CHARGE. I WILL ESCALATE THIS MATTER TO THE FURTHEST EXTENT UNTIL THIS MATTER IS COMPLETELY SOLVED.
|
| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.
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| 12/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I had a mobile number with XXXX XXXX for several years but rarely used it. Early this year I tried to close it by doing each of the following ( sometimes multiple times ). Visit to store, call customer service, chat sessions with customer service. This account had never been in arrears and has been unused for most of XXXX. Not only has the account remained open, twice now, after my requests to close, it I get emails saying it has been reopened.
Furthermore, they have continued to accrue charges and have now turned that over to collection agency. My credit rating is well over XXXX and I do not want this to impact that. Ironically, my last request was in written/ mailed format. The response I got was another collection notice and a " congratulations, we restored your line '' email.
It almost seems that the policy at XXXX XXXX is similar to the cases where a company intentionally makes it difficult or impossible to discontinue service.
Thank you!
|
| 08/31/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted via email by TSI stating they were working on behalf of XXXX XXXX XXXX. I responded to the email disputing the debt in its entirety and requested documentation. After disputing the debt TSI provided no documentation but began to call me on multiple occasions requesting personal information. Including Social Security Number previous and current addresses. This is a fraudulent debt XXXX was paid in full when I canceled my services. If you research this company there are hundreds of complaints addressing the same thing. No matter how much money you pax XXXX upon canceling there services they always bill you more. When you refuse to pay the indulge in extortion by referring the account to multiple collection agencies who without proof report as derogatory credit in order to collect money consumers do not owe. This is the 7th Collection company XXXX has sent this debt to. I have successfully fought all 7. But they continue the harassment.
|
| 08/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I previously received an email from Transworld Systems Inc. informing me that they werre charging my XXXX card for {$410.00} for a computer fraud monitoring system. If I didn't want this charge, I had to telephonically contact them and they would " refund '' this amount. I contacted them and they said they needed my bank checking account number so that they could directly credit this amount to my account.
I immediately realized this had to be a scam because I never authorize anyone to have direct access to my bank accounts unless I had previously arranged this process. I immediately hung-up on this person and immediately disconnected my computer from their website.
I am a retired XXXX XXXX XXXX and worked XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, etc. ) and know the above described efforts are made by fraudsters. It was also obvious from the Transworld Systems person that they were calling from a foreign country because of his heavy foreign accent.
|
| 12/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My identity was fraudulently use to open an electric utility account at : XXXX XXXX XXXX XXXX XXXX, TX XXXX from XX/XX/XXXX to XX/XX/XXXX with a company called XXXX XXXX XXXX ( aka XXXX XXXX ). Im XXXX resident and have lived at my current home address in XXXX since XX/XX/XXXX. I have never lived in XXXX Texas nor do I have any idea who used my information to open this account. The issue described here resulted in the utility company to persuade the money owed to them for the use of electricity totaling {$980.00}. Since the person that used my identity did not pay the bill they have sent it to collection with a company called Transworld Systems Inc and I now have a derogatory remark on my credit report, which cost me dearly. I have submitted supporting document to the collection agency ( Transworld Systems Inc ) including police report, utility bills from my actual address in XXXX, Oregon but they haven't remove the collection from my credit report.
|
| 04/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XX/XX/XXXX transworld systems contacted my job and asked for me. When I came on the line they said I owed XXXX and if I dont pay Ill have a warrant issued for my arrest. I told them first off this is my job your calling and these call are recorded he cut me off and said the bill was for an ER visit XX/XX/XXXX I told them I have insurance and didnt have an er visit and told them not to contact my job. XX/XX/XXXX I was on break when I came back I almost passed out. They called back again but didnt speak to me instead they spoke to my coworker and told him what Was owed what hospital it was for and what date and said the police would be getting involved. Unbelievable I checked my credit on XXXX XXXX they have it on their I dont know what they are talking about I dont owe them.I work for XXXX XXXX and the phone number is listed for everyone to call so there was no way to block their number. Nothing can be done from their end but just to hang up on them.
|
| 11/07/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
Servicemember |
|
Hello, I am an XXXX female XXXX Veteran.
Upon my graduation in 2007, I was contacted by XXXX XXXX to start paying off my student loans unknowingly signing up to consolidate my loans right out of school. I have been struggling with finding stable employment to make the payments towards paying back my loan.
My loan has reached default status, and was passed to XXXX. They 've recently passed my account to Transworld Systems who now manages my account.
Transworld wants me to agree that I owe {$30000.00} when my understanding is that I owe {$24000.00} on my principal and I 've accrued {$3900.00} in interest. This total does not add up to {$30000.00}. I sent a dispute letter to Transworld Systems asking them to verify the amount. And, I wanted to report this situation as well.
Although I want my loan out of default by participating in their loan rehabilitation program, I do not want to verbally agree to owing this much if it is n't my true balance.
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I received a collection notice dated XX/XX/XXXX referenced by Account # XXXX from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA XXXX. In their collection notice they stated the following. " A credit reporting agency has indicated that an inquiry has been made on your credit report. We hope that you are now in a better position to pay the above account ( s ). '' This company is attempting to collect the sum of {$340.00} that they allege I owe to XXXXXXXX XXXX XXXX. I had an account with the aforementioned security service that I cancelled in XXXX because of the financial difficulties. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and was granted a Discharge of Debtor on XX/XX/XXXX, Northern District of Texas Case No : XXXX. XXXX XXXX XXXX was one of creditors that I listed in my filing. Transworld System Inc. attempt to collect {$340.00} is not made in good faith and they are in violation of the relief I was granted.
|
| 04/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a notice about a debt I supposedly owe to a company named TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX XXXX. I believe that I do not owe the debt they are claiming that I owe. The letter they sent me is very vague and they are saying that I owe {$43.00} which is a very payable amount. I can't imagine that I or anyone would allow such a small bill to go to collections. That seems crazy to me. When I searched online for information about TRANSWORLD I saw some lawsuits and scam reports that have me highly skeptical and I wonder if this is really a phishing scheme for a group that is trying to steal my identity. Lastly, there are three different addresses on the letter for them. One listed above, one where I am supposed to send my payment TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX and yet a different address for where this bill was supposedly sent from, also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE.
|
| 04/13/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
A medical bill was transferred to this company after the doctors office filed it incorrectly. I started making payments in good faith while I fought with the insurance company over the payment of the bill. Upon the successful discussion with the insurance company, I was notified that the insurance company paid the bill in full. On XX/XX/2017 I spoke with Transworld and it was requested that I send the notification ( EOB ) from the insurance by fax. I sent it at XXXX that day. I called back on XX/XX/2017 and was told the faxed document had been received and I would be contacted on XX/XX/2017 and told the status of my refund of the payments that I had made up to this time. I never received a call back. I called again the morning of XX/XX/2017 and was told that they had no record of me or my account. I called back again and was told the fax had not been transferred to the needed department and they asked if they could call me back in a couple of days.
|
| 01/19/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I rented a Compact car at XXXX XXXX Car through a reservation made at XXXX for {$360.00}, of which {$140.00} would be collected by XXXX at the pick up of the reservation. After concluding the rental I received a receipt where I was wrongfully charged an upgrade that with tax totaled {$220.00} in addition to the {$140.00} owed. I tried contacting XXXX to dispute this charge to no avail so I disputed it with my credit card through XXXX XXXX. XXXX Bank was able to successfully dispute the wrongful charge of {$220.00} but now I am being contacted by a Collection Agency, Transworld Systems Inc, saying that I still owe this money. I have spoke to many representatives at both XXXX XXXX and Transworld Systems Inc and have gotten nowhere. They constantly transfer me and put me on hold until I am disconnected. I do not know what to do about this wrongful debt as I thought it was resolved with my bank and do not want it to hurt my credit.
|
| 11/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX Transworld responded to my request to confirm I owed them a debt with a letter stating that the referenced account XXXX was placed in a restrictive status to prevent further collection activity. I know that according to 15 USC 1692j ( a ) that it is unlawful to design or compile and furnish any forms creating false belief that I owe Transworld Systems Inc. I have granted this company many chances to resolve this matter. Yet this account is still on my consumer report. The document clearly does not provide evidence of indebtedness to this organization. Any attempt to collect this alleged debt can be considered fraud because I do not even know how or why they are contacting me and reporting this horrendous information on my consumer report. Every letter I have submitted has tracking information attached to it so I know that my disputes are being received. Therefore I will not accept an excuse to why this matter is not already resolved.
|
| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX pulled a copy of my credit report and saw a new collection/chargeoff from XXXX. I sent a letter to Transworld System Inc dated XX/XX/XXXX requesting a validation of the debt with no response.
XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 2nd letter, certified to Transworld System Inc XXXX XXXX XXXX XXXX XXXX PA XXXX dated XX/XX/XXXX. It was marked delivered on XX/XX/XXXX.
XXXX-I pulled a copy of my credit report and saw account still reporting despite the company never validating the debt or responding. I sent a 3rd letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted.
XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 4th letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted.
As of XX/XX/XXXX, this account is still reporting and I have yet to receive a response.
|
| 06/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I went to XXXX XXXX XXXX Hospital back around XX/XX/2016 I was treated for wrong service. The hospital waived the bill but the dr bill has been on all 3 of my credit reports and has been in debt collection with transworld systems. I have disputed this item several times. They tell me we can keep it in dispute but it has to stay on your credit report to damage my credit. This is not fair to me. You can check with the hospital their bill was waived. I'm trying to get a mortgage and this account is adversley affecting me. I will not pay for services that were provided that were not the right services. If the hospital agreed I don't see why this should be on all 3 of my reports damaging my credit. I am begging you to please remove ASAP from all 3 reports. If not I am going to now get an attorney involved and prove the case. The hospital dropped their end right in 2016. I am XXXX and being taken advantage of. The amount is for {$1400.00} on XX/XX/2016
|
| 10/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was a customer of XXXX between XXXX and rented a modem. I used the box and a shipping label XXXX provided to send the modem back after we canceled our service. They claimed they did not receive it and said I owed them {$100.00} for the modem. Since I sent it back to them using their shipping label I do not feel like I should owe them the funds. I still have the remainder of the shipping label sheet and have attached it to this complaint. They sent the debt to collections and I have been getting calls and letters from collectors since XXXX. Originally the false debt was sent to XXXX, now it is with XXXX ( XXXX ). I informed XXXX of the false claims by XXXX and have now informed XXXX. XXXX has also now added a collection to my credit report. I have filed disputes with each credit bureau. The equipment was sent back to XXXX using their own shipping label and I should not be negatively impacted due to their inability to track their own equipment.
|
| 08/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
My son went to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX of XXXX XXXX XXXX submitted my insurance information incorrectly, charged me {$40.00} for a copay and a few weeks later I received a bill in the mail for about {$140.00}. On XX/XX/XXXX, when calling XXXX to have them resubmit to my insurance company they refused to talk to me citing HIPAA as the reason and hung up on me.
About 1 week ago I started receiving daily calls from Transworld Systems Inc, trying to collect on a debt I owed to XXXX. They wanted me to validate my DOB, Address, and other personal identifiable information which I was not comfortable to exchange on a unsolicited phone call. They referenced XXXX which was paid by my insurance company in XXXX and when I talked to XXXX they said they actually owe me money ( {$35.00} ), not that I owe them anything. Transworld Systems calls me daily and threated multiple times to continue to call me until I verify information with them.
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/ I lived In XXXX XXXX XXXX During covid, during that time they changed owners three four times. During those times they stopped fixing everything they had no pest control let trash pile up and every time it was a new owner, they kept claiming people owed amounts that they did not. So, we were trying to do a community lawsuit, so I stopped paying rent. I had a leak in my apartment for months, my bathtub rusted the only thing they did was spray paint the wall to cover up the leaking down the wall, and spray painted the bathtub to cover up rust and got spray paint all over the wall, the employees in the office was stealing packages. We complained to state and I filed an answer in court but when I moved I wasn't aware of the court date. Now they created false charges for things they never did they never did the only amount I owe them no where near XXXX dollars they are creating fake charges I have pictures to prove and emails. It was horrible
|
| 05/08/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I initially took out two loans from a XXXX XXXX through the website " XXXX '' in XXXX. During the recession, the bank closed down and I was unable to find the servicer to pay the debt. Then, 3-4 years ago I received letters out of the blue from a company called " XXXX '' indicating that my debt had ballooned over 200 %, and charging frankly usurious rates ( 11 % +, variable ). While I began paying knowing that I did indeed take out loans, I recently read about companies ( including specifically XXXX ) requesting payments for debts that they do not actually own. I have since requested actual documentation on the loan ( including the original Master Promissory Notes and records of debt transfer ) in order to refinance. They have repeatedly ignored my requests, and at this stage are no longer responding to my requests. I would like this documentation to prove that the debt is indeed mine, and that I am not paying some random company for no reason.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act Transworld systems Inc, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which in antedates the report by more than 7 years.
15 U.S.C 1681s2 ( A ) ( 5 ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.
As you can see by law they have violated multiple rights.
|
| 05/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I GOT A LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXXI CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX LETTER TO COLLECT THE SAME DEBT XXXX {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM TRANSWORLD SYSTEMS INC. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.
|
| 02/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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XXXX XXXX MD ( the Doctor ) who has never seen me in person, but owns a business called XXXX XXXX XXXX, which sees patients at his/her office in XXXX XXXX XXXX Florida XXXX XXXX P.A XXXX and/or a Nurse see me for 10 minutes, but then billed the doctor for a XXXX office visit on or about XX/XX/2021. Patient spoke to doctors office assistant about the improper billing practices by their office. Doctors office got upset and referred the claim to collections instead of working it out with the insurance company. Patient contacted the insurance company and has submitted an SIU referral due to the doctors illegal billing practices. Additionally, the entire bill is paid, and this patient doesn't owe this doctor one penny. The doctors office is currently using XXXX XXXX XXXX in an effort to antagonize patient for having complained about his/her fraudulent activities. I have attached the support that shows there is no payment due to the doctors office.
|
| 12/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I rented vehicle from XXXX in XXXX, GA, with return to XXXX, FL ; and that was about 3 months ago, and upon returning it to XXXX offices, we went through the gasoline and in and out of the vehicle, and all was satisfactory.
Only to find out that they claimed to have contacted me and that there was some damage in the vehicle, and sent my name to the collection agency.
That is UNACCEPTABLE practice as they have my email address and my secondary number, which they have never used, and also why are they contacting after I returned the vehicle in good condition? when does the contract end? what if the person who damaged is their employee and happened to do that after I left?
This is VERY UNACCEPTABLE practice, by both, XXXX XXXX XXXX and their collection agency ( Transworld Systems Inc, whom already have some scandals as per info on CFPB website ).
Please check these companies further as this is not the way customers should be treated. Never.
|
| 01/21/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I just completed loan rehabilitation and my account is back with the normal servicer. When I logged into my account, it stated that my loan was immediately due. On XXXX, I called the loan servicer to ask about a payment plan. I was told that I had to submit a financial hardship payment agreement form. I submitted that form on XXXX and called to follow up. When I spoke to the representative, I was told that my account was under review and to not worry about it. On XX/XX/XXXX I received an email stating that my account is under review. On XX/XX/XXXX, I sent another email to follow up about payments as I do not want to default again. On XX/XX/XXXX I received an email stating that my account has been past due since XXXX. I have not received a statement since XXXX. I went on my account and paid the past due amount since I do not want to default. I had been calling to figure out payments but I was just being told that my account was under review.
|
| 04/06/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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I was forced to use private loans to pay for college in XX/XX/2004 with XXXX XXXX XXXX. The loans were sold to Transworld. I have defaulted on the loans and I, along with my father who co-signed, am now being sued by XXXX. They have harassed me over the last couple of years, threats to my father and myself to take our property. We have received robo calls non-stop which even continued since the court papers were issued. XXXX had several cases against me, 4 of which have been dismissed due to their failure to appear in court. The 5th case is due in court this month after being continued several times at the request of their attorney. I'm trying to research the complaints against XXXX because I believe I am a victim of false documentation and falsified affidavits along with being sued past the NC Statute of Limitations. According to their paperwork, my last loan payment was in XX/XX/2009 and XX/XX/2011, court papers were filed in XX/XX/2015.
|
| 01/05/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
|
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In XXXX of XXXX I suddenly started getting billing statements from University Accounting Services. This is in regard to a loan I took out from XXXX XXXX XXXX ( a now defunct company ) in XXXX.
I had last paid on the account in XXXX of XXXX. I had heard nothing from XXXX XXXX XXXX or any of the subsequent owners or servicers of this debt until now in terms of debt collection.
The attempts by University Accounting Service violate Minnesota debt collection law as the statute of limitations to collect on this loan was under Minnesota law 6 years from the date of last payment or XX/XX/XXXX as the last payment made by me on the account was on XX/XX/XXXX.
During the near decade since they had last communicated with me, I have lived at the address I had in XXXX as well as two subsequent addresses including my current address that I have resided at for four years. These addresses are in three different counties within the State of Minnesota.
|
| 12/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I am being billed by transworld for {$750.00} for XXXX XXXX XXXX. AT the time of the XXXX XXXX XXXX. I had a VALID XXXX XXXX which was fully funded and capable of paying the tolls. For whatever reason the tolls were not picked up by my XXXX I was unaware of this. Only recently, I receive a notice and contacted XXXX, which told me to call this collection agency regarding the tolls. I HAD AN XXXX XXXX AT THE TIME OF THESE TOLLS. MY XXXX XXXX HAD SUFFICIENT FUNDS TO COVER THE TOLLS. I am being charge an additional {$100.00} per toll ( 7 tolls ), which is totally unfair. I had an XXXX XXXX, and my XXXX XXXX had funds on it. Why is transworld trying to collect on a debt, which I shouldn't have. This is so unfair to me. I ensured my XXXX XXXX covered the tolls, and I ensured that I had money on it. Now I was sent to a debt collector who isn't willing to just collect the toll, but wants an additional {$700.00}. I'm being ripped off big time.
|
| 06/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, received notice that Transworld Systems was attempted to collect a debt note they acquired for approx. {$75.00}. Contacted Transworld and advised them that according to XXXX XXXX in Nevada the balance was {$0.00} owed. Agree to pay the amount to resolve the issue and have the erroneous items removed from all consumer reporting agencies. Payment was made by phone by credit card and was promised a removal letter would be sent. On XX/XX/XXXX discovered item still be present on all three Consumer Credit agencies reports and contacted Transworld who confirmed the payment and a {$0.00} balance, as well as the file reflecting the the items would be removed as part of the terms. According to the female employee for Transworld their policy is now that they can not remove items form they are reporting in error ( which is not correct ) and that they could not remove the information as agreed in audio recordings and as noted in their file.
|
| 06/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
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my son attended XXXX in wyoming and ended up with XXXX in student loans with XXXX and XXXX from XXXX and XXXX from XXXX .He XXXX in 2014 and applied for jobs with reputable companies and when they asked what education he had and his response was XXXX XXXX they said they could not hire him. I feel they inflated the tuition so he could not qualify for a full federal loan and sent him to genesis who sold the loas to UAS ( university accounting services ) and balboa .we made payments while he was in school but stopped payments when we heard about this scam. He also was contacted be a company called XXXX but i think this may be a scam because he tried calling them and sending emails but they dont ansewr he paid them XXXX. right not i dont know what to do, i got injured at work in 2014 and have been in and out of XXXX since then and am on workers comp and only make XXXX % of what i would normally make please i need help.my email is XXXXXXXXXXXX
|
| 05/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
I first received a bill for I believe over {$3000.00} worth of damages from XXXX XXXX XXXX XXXX that were mine. I told XXXX that I was shocked to hear this as I did not damage the vehicle at all. After contacting my former insurance company ( XXXX ), they investigated the matter and found that XXXX failed to conduct a final walk-thru with me, therefore I was not liable to pay anything because there was no proof that the damages were done by me.
One XXXX was made aware of this, they sent me a bill for the {$750.00} stating that this was the amount I owed for the damages done to the vehicle. I explained to XXXX that XXXX XXXX notified them and myself already, stating that I did not owe any money due to there not being any proof that the vehicles damage came from me. XXXX continued to send me bills for {$750.00} for which I was told I do not owe and will not pay. Currently, the bill is with Transworld Systems Inc., a debt collect agency.
|
| 12/18/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
1 ) I was never made aware by Transworld Systems Incorporated ( TSI ) that they own a debt associated with my social security number.
2 ) I was also never made aware by Transworld Systems Incorporated ( TSI XXXX that I am able to dispute this debt. This debt is due to identity fraud.
3 ) Transworld Systems Incorporated ( TSI ) does not operate during the operating hours they have state on their prerecorded phone message ( XXXX ) and website. Numerous times in six months I have called and left voice messages asking for someone to contact me and noone from TSI has bothered to.
4 ) Five times in the last six months I have requested a fraud packet via written mail and phone message from Transworld Systems Incorporated ( TSI ) and have still not recieved a fraud packet.
5 ) Transworld Systems Incorporated ( TSI ) may be a ghost compant that does not truely exist or blatantly violates laws pertaining to debt collectors, as evidenced above.
|
| 11/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Upon reviewing your response, I have several concerns and disputes related to the handling of my account. Firstly, I did not receive an Initial Demand Letter via email on XXXX as stated in your letter. Please verify and confirm the accuracy of the email address on file to ensure proper communication.request a detailed explanation of the process TSI followed in placing account XXXX XXXX on my credit profile in a disputed status. It is crucial that this information is accurately reflected on my credit report.
Lastly, I appreciate the documents enclosed with your letter. However, I would like a more detailed breakdown of the validation information for a better understanding of the specifics surrounding my account.
And I would like to receive a copy of your surety N.J. bond license and NJ debt collection licensed that you're licensed to collect debt in the state of NJ and it was valid when you inserted a collection on my consumer report
|
| 05/27/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have had this loan for several years now and it has been in forbearance due to me being in school for XXXX as well as XXXX program. They have continually tried to charge me causing late payments and missed payments that have wrecked my credit score despite it being in forbearance during that period. Now that I am no longer in school I have began making the payments yet they continually keep reporting it as missed and late payments on my credit report. I have talked to them several times and they agreed to remove the prior missed and late payments but never have removed them and are difficult to speak with through customer service as they just bounce your call around. Including they have harassed family members of mine that have nothing to do with account.
They also have inaccuracies between separate credit reports that depict different amount of alleged missed or late payments which I do not understand considering it is one account.
|
| 08/02/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In XXXX, 2017, I received a notice from a company called Transworld Systems , Inc. stating that my student loan was in default and had been turned over to them for collection. I immediately called my loan provider and verified that I was current and told them about this notice and they said they had no idea why I would be getting this notice. My loan had been sold to XXXX from XXXX XXXX - so I decided to contact XXXX XXXX to be sure they did n't show any delinquent status for my closed account and they confirmed that my account was sold to XXXX and was closed with no negative information on file. I decided to send a letter to Transworld on XXXX XXXX, 2017 explaining all of this and now I have received a response from Transworld stating that this debt is valid and included a copy of all of my personal information with all my student loan transactions since I received the loan. Please help me to resolve this issue as I am getting nowhere!
|
| 01/09/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I had a consolidated student Loan through XXXX, made payments on it over time. When my son was born, he was in the hospital for four month, I got a deferment. The deferment ended sooner than expected and I went into default. I made XXXX payments to Transworld Systems Inc to get my loan out of default. After that, they said it would be up to 60 days before someone bought the loan. It has been four months, I continue to make payments to Transworld, and I am still listed as in default. In addition, it was a 15 year loan and I now owe more on it than when I started. Because of my family 's unique situation, we need to apply for a mortgage immediately, and we have built our credit up to do so, but are unable to do anything until this gets resolved. All XXXX of us ( wife and XXXX kids, XXXX with XXXX ) have been living in my in-law 's basement while Transworld continues to list me as default even after I complied with my end of the agreement.
|
| 05/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with XXXX party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
|
| 01/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
|
| 03/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Transworld Systems TSI working as a collection agency for XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, has been garnishing my Federal Tax return for the past five years. However, TSI has failed to provide an itemized detail of the original debt, as well as provide statement of the debt balance after yearly garnished tax return payments.
On three occasions, in writing, via certified mail, I have reached out to XXXX to make income-based payment arrangements. I have been told by XXXX I need to contact TSI ; when I contact TSI they refer me back to XXXX or send a Financial Statement, which I return via certified mail ; three different times. Neither XXXX nor TSI follow-up. But, XXXX/TSI continue to send threatening letters of wage garnishment although, I was unemployed. Now, recently employment working an intermittent work schedule, making {$13.00} per hour. I have been informed by my employer that XXXX/TSI will be garnishing my wages at 15 %.
|
| 08/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Transworld Systems Inc : Your letter states it is your intention to work with me to resolve the collection. The letter also states due to unforeseen circumstances I may not be able to pay in full and could offer payment options. I spoke with one of your trained representatives whose name and number is written on the letter with 3 payments listed for {$280.00} with a confirmation number. I was told by making the payments it would not be reported on my credit.
Secondly, I made the 3 payments of {$280.00} on XX/XX/15, XX/XX/15 and XX/XX/15. This is not how it is reflected on my credit. I have 4 adverse accounts listed from this one collection. Despite paying as promised and you reporting despite promising you wouldnt my credit lists derogatory public record or collection filed.
Lastly, you told me to have no further communication with you and to contact XXXX. You sent the letter to me, arranged for my payments and then you reported me.
|
| 10/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Three weeks ago I was contacted by XXXX c/o Transworld Systems , Inc. regarding a school loan debt. I informed them they had the wrong individual and gave them my information which did not match what they had for the debtor. Just this morning my employer notified me the company is trying to garnish my wages even though the social and address of the debtor does not match. They also gave my employer the other ladies social and personal information. I have been stressed out all morning this company has been harassing my employer and myself and they do not have the correct individual. They have asked my employer for my social and what I make etc.
I filed a complaint with the Attorney Generals office who sent a letter to the company a few weeks ago and the company responded saying they had no clue who I was and has no collection acct. for me however, they sent my employer a letter stating that they needed to garnish XXXX % of my income.
|
| 08/14/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Transworld Systems Inc re-aged a paid and closed student loan account on XX/XX/XXXX. When contacting the company XX/XX/XXXX a representative was able to find my account with name and DOB but was unable to access the account as she stated that it was in a dedicated department that was currently closed. XX/XX/XXXX call was placed again to company, transferred to the correct department and this representative was unable to locate my account unless I gave my social security number. Explained that XX/XX/XXXX that woman was able to find the account so that rep attempted to find my account but could not. At no time were there any documents mailed to me regarding this account with and account number or balance. I have only had one private student loan with XXXX/XXXX XXXX XXXX which was paid and closed, any other claims are fraudulent and need to stop. Please see attached excerpt of credit report showing this account being paid and closed.
|
| 01/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On my credit report is an account that is XXXX XXXX XXXX, as well as paid in 2012. I have disputed this account several times it will be removed for a while, then it is re inserted and re dated. I have disputed it with the credit bureaus and they call it a valid debt. I do n't understand how the bureaus validated that information, when I have written and called the address and phone number provided on my credit report and the number is disconnected or no longer in service. Trans World System # XXXX XXXX XXXX, DE XXXX is reporting a {$280.00} debt on behalf of XXXX XXXX. The account is XXXX XXXX XXXX well past the statue of limitation and reporting time limits according to the fair credit reporting act. XXXX XXXX services all of Texas and will not provide service to you with a outstanding bill. In XXXX of 2012 the outstanding bill was paid. Since 2012 I have been trying to keep this inaccurate collection account off my credit report.
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an alert that had a collections account. I contacted the number the gentleman would not provide any informationThere is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Transworld system IC XX/XX/2023 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
|
| 11/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.
|
| 03/16/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
|
| 05/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am being harrassed by a collection agency XXXX XXXX XXXX XXXX XXXX XXXX on behalf of a compounding pharmacy ( XXXX XXXX XXXX for bills that accrued during 2020. I was insured by not one but two insurance companies during the time of these bills, but rather than properly bill the insurance companies, they are pursuing {$10000.00} from me.
From the time of the first bill until XX/XX/2020, I was covered by XXXX XXXX. From XX/XX/2020 through the date of the last bill, I was covered by XXXX.
I have informed XXXX and TSI on numerous occasions of my coverage, with specifics, but to no avail. I even sent copies of the bills to both insurance companies on behalf of XXXX. However, the bills have not been paid and I am being told that I am responsible for these bills.
I can not continue to do the jobs of these people, and I am not responsible for bills that should have been paid by these insurance companies. Can you please help me?
|
| 02/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a complaint against Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX. I was treated at XXXX XXXX XXXX XXXX on XX/XX/XXXX for the last Appointment in treating a XXXX XXXX. I have no co-pay from my insurance and never had to pay one for any of my treatments. All of a sudden I received a statement that I owed {$100.00}. The last time I spoke to XXXX XXXX XXXX at Transworld Systems on XX/XX/XXXX at XXXX XXXX with a complaint because I received a written letter on XX/XX/XXXX from them saying I still owed this money. XXXX XXXX XXXX took my ID # from my health insurance to resolve the problem. I am really upset even more now because they have not resolved the problem because when I received my house insurance bill, I was informed that my credit was now affected and my bill was now higher. I feel that I have been a victim by this company and that they should be stopped from defrauding others.
|
| 10/26/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Unceasing contacts from XXXX different 'collection agencies ', from XXXX different phone numbers. Calling my office ( number provided ), my cell, have called my spouse at work, my inlaws on home and cell, my father in New Yourk, and sister-in-law in New York. They identify themselves, but refuse to say who they are calling on behalf of unless I affirmatively identify myself with SS #, date of birth, or some other 'personal ' information. Tried once to get them to stop after they got to my wife at work, but insisted on my affirmative identification in order to 'change my contact information '. Calls from second number/company seeking 'employment verification ' for me. The call to my father got a little further, as he and I have the same name ... so when asked, he 'identified ' himslf by name and they did tell him what it was for and for how much. My office assistant has to field these calls daily, and that is embarassing as well.
|
| 11/08/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received an email from TSI stating that I owed {$2500.00} to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX, AZ from XXXX, XXXX. I lived at this complex for months after this date, and moved to a different apartment within the complex. I was never informed that there was an issue with rent and {$2500.00} is not even how much the rent was. I was never informed before anything was sent to collections either. I have an email from XX/XX/XXXX, stating I was removed from the rental agreement and was no longer responsible for any amount owed to XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX when I received an email from TSI and asked for proof of this debt. I never received any proof that this debt was owed. This debt was also during a time when XXXX XXXX were switching portals and many other tenants experienced issues. I have disputed this debt with TSI and they are just saying they are not getting a response from XXXX XXXX.
|
| 06/05/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My student loan servicer is XXXX XXXX XXXX XXXX. After one of my loans was reduced because of the XXXX college lawsuit I was able to pay it off. I logged in today XX/XX/18 to XXXX XXXX XXXX website where all my loan information is, to see the balance and also make a payment on my second loan belonging to XXXX XXXX XXXX XXXX. I could no longer see any account information about the loan, no loan balance at all. I called XXXX XXXX XXXX automated system to hear my loan details, the system couldnt tell me my balance either. Its as if my loan just disappeared. I called XXXX XXXX XXXX to ask why I couldnt obtain any information about my loan from XXXX XXXX XXXX XXXX, they told me that the loan holder blocked all online access to the loan information, however they told me that that could still take my payment over the phone. I dont see how its right that a company can take payment for a loan that I have but I cant see the balance of.
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| 09/08/2017 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am reaching out to file a complaint against Transworld Systems collection agency. They say they are calling on behalf of XXXX. They call repeatedly throughout the week, sometimes several times a day. When you answer the phone they hang up. Then when you call back you either get someone 's personal cell phone and they have no idea who called you, OR, they tell you who they are and try to collect the debt. If they are so apt to collect the debt why do they continuously call and then hang up. They admitted they are on an auto dialing system. This is a highly in appropriate way to run a business. I get calls all hours of the day and night and on the weekends. When you do call back and talk to someone on the rare occasion you can not understand them because they speak extremely broken english. I would like to file a formal complaint for harassment against this company and make sure XXXX knows they are doing this to their patients.
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| 12/10/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Friday, XX/XX/2021 XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX On Thursday, XX/XX/2021, it came to my attention that TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX, ( XXXX ) XXXX alleges I have an unpaid debt based on information from XXXX credit agency. I called them to seek additional information on this matter.
On Thursday, XX/XX/2021, I contacted them TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX by Telephone to inquire. I called 3 times, each time I recieved a recording stating just for calling today you are elligible for a rebate of {$100.00}, please have your credit card handy This is clearly a scam and fraudulent claim on my credit report. I am demanding this be removed from my credit report immediately.
Thank you, XXXX
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| 08/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My wife rented a car from XXXX. A tire blew out and the car had to be towed. To our shock, we both saw the car with the flat, more than 14 days later, XXXX produced pictures of damaging they say totaled more than {$3000.00}. We demanded pictures and proof from the next day. Never produced. We demanded our insurance company call " bull '' on the attempt to fleece them and ultimately damage us with a higher insurance premium. XXXX XXXX did not, to our chagrin, and paid all but the deductible of {$250.00}. We have paid it to avoid a report on the credit bureau since a bill collector is chasing us now.
I am a XXXX ( XXXX ). I see true value in your mission based on these continuing attempts and successes of businesses candidly XXXX consumers unfairly and without conscience. In particular, we have heard too many stories of car rental companies fleecing thousands of dollars from its clients. Enough is enough.
Thanks for viewing.
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| 06/19/2015 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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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.
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| 07/05/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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We had a medical debt with XXXX XXXX that was set up on a payment plan with our XXXX. At some point the, XXXX balance was too low for the auto payment to go through and without a phone call or any communication the balance was moved to a collection agency called Transworld Systems. Transworld systems inc. is aggressively contacting us about the collection which we believed was fraudulent because we knew this was on a payment plan. We called XXXX XXXX and was told about the missed payment and collection agency. We made a payment to the balance and restarted the payment plan with XXXX over a month ago. Since then, the Transworld collection agency is continuously contacting us to pay the initial amount. There is obvious confusion between XXXX XXXX and their Collections agency Transworld Systems Inc and I am not able to get clear answers about the balance, payments made, and payment plan but the collection notifications continue.
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| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 06/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '.
-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
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| 10/25/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My payments were origionally & routinely drafted from my checking account from XXXX of XXXX thru XXXX of XXXX by TransWorld Systems , Inc. Without any notice, my draft was discontinued in XXXX of XXXX. I have tried to contact both the US Dept of Education, my origional lender & the third party company listed as TransWorld Systems , Inc. The US Dept of Education tells me they no longer assist me becuase they do not service my loan any longer. I can not speak with anyone at TransWorld. Their automated system says they are not allowed to speak due to a retraining order placed by the US Court, Judge XXXX. So, my understanding is they can not accept payments while under a lawsuit. However, I am trying to obtain a FHA mortgage and I can not close until my payments are current & XXXX is cleared.
I am in desperate need to get this resolved. The number I have for TransWorld is XXXX. I have left numerous messages with no return call.
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| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
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Disregard of a cease and desist order On XX/XX/2020 at approximately XXXX hours I XXXX XXXX, informed XXXX, phone representative, of Transworld systems IncXXXX, to cease and desist from calling my cell phone and if they call my cell phone number again an official formal complaint will be launched against their company, she acknowledged by saying yes she understands however, she disregarded the notice by stating that there is no guarantee that I still would not receive any calls.
At this point I restated my cease and desist demand and she acknowledge and state yes she understands however she continued and said, " Unless there is another phone number. '' I quickly restated my demand and asked if she understood what I just said and she said yes.
And her response was, " unless there's another number, '' " I'm just asking is there another number? '' I restated an asked if she understood what I just said and she said yes sir.
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| 02/07/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
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XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) fail to correctly process in-school deferment.
XX/XX/XXXX - In-school deferment requested/school enrollment verification sent. In proper date of deferment was applied and request to amend have not be answered. Email ( s ) list deferment until XX/XX/XXXX which is different than date from the university listing anticipated graduation XX/XX/XXXX.
XX/XX/XXXX - Invoice statement from XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent within the grace period/in-school deferment. Invoice reflects incorrect deferment date ( XX/XX/XXXX ). Letter disputed XXXX deferment date and requested a copy of complete loans records and/or documents XX/XX/XXXX - Email from XXXX is a billing statement, which I am unable to open or log into account. Additionally, I have requested XXXX on ( XX/XX/XXXX and XX/XX/XXXX ) to cease and desist sending erroneous emails/communications.
|
| 02/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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They call very often, sometimes two times a day. They mirror numbers near me but it changes when they call so I can't identify them. I told them I can't currently pay, I'm in debt that makes me essentially negative every paycheck and I had no money in my bank account every time they called. Each time they said I HAD to pay, and I'd say I don't have money and they said it needed to be paid today or start a payment plan. Last month they told me they'd leave me alone for a while and note that I'm not making extra money I can spend, so they'd give me a chance to call them when I'm better financially, and they still called me several times and got really snippy with me about paying immediately. All for a four year old hospital bill from an emergency XXXX where they injured me further, forced me to stay longer than I needed to, and racked up my bills and my insurance didn't cover it all. At this point I would've taken the XXXX.
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| 10/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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The XXXX XXXX that I am being through because of this issue, has taken me to get XXXX attention. The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by TRANSWORLD SYSTEMS INCS actions. I need you to take this matter seriously, and send me a response.
Please read carefully the following violations that your company has committed under the California Credit Reporting Act : 1. TSI has re-aged the account. This has a big impact in my credit score, since account will be on report more than the time allowed by law.
2. FCRA inconsistent reporting.
3. failing to put accurate delinquency date.
4. failure to provide notice of adverse reporting.
5. Negligence.
6. unfair business practices.
Account number:XXXX Opened : XXXX High Credit : {$700.00} My demand is that you DELETE THE ENTIRE TRADE LINE for this account base on the damages that I have suffered.
See attached
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| 09/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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[ XX/XX/20 ] [ Transworld Systems Inc ] [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX ] Re : [ Account number XXXX ] Dear [ Debt collector name ], I am Submitting a complaint about Transworld contacting me about collecting a debt. contacted me by mail, on [ XX/XX/20 ] and identified the debt as my responsibility. I do not have any responsibility for the debt They're trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I want them to Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop my collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Thank you for your cooperation. Sincerely,
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| 09/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Said company is Transworld.
They call repeatedly-daily even after being told to STOP!!!!! They called me last night from a new number at XXXX central time.
( XXXX ) XXXX XXXX ) XXXX These two numbers. And if I block them they call from a new number.
I dont owe them I owe the original creditor, who wrote said debt off. I have told them to mail notices-they do that WEEKLY!!! So whether its via phone or by mail they HARRASS by repeating!!
I just got an explanation of benefits from my insurance and it appears that I also owe less than what they are trying to collect on.
They have been harassing me for weeks. I answered the phone one time in the last ten days and when I started talking they were wadding up paper of some kind and acting like they couldnt hear me.
Again it needs to STOP!
If I had {$200.00} to pay XXXX XXXX XXXX I would I sure as heck aint gon na pay transworld. Ill pay XXXX directly!!!!
Make them stop!!!
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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Amount {$650.00} date unknown I contacted the company and invoice them for the violations an told them to cease and desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I recently submitted a claim about Transworld trying to collect a debt from me that I do not owe and knew nothing about. The case was closed without a response from me. The information Transworld showed to CFPB is the same information I have already received. My complaint with them is that they are not investigating my dispute but instead saying that I owe. I also reached out to XXXX to receive information but they said because this alleged bill is old and the information has been archived. I am asking Transworld what I for do they have of mines to say that this is my bill. They can not give me any information of when was this account established and how was it open. What information was submitted to establish service. A deed or lease? I dont want to be responsible for something that dont belong to me. I will also provide information on where I live at during this service date according to the invoice they are providing.
|
| 07/04/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have been a customer of XXXX XXXX XXXX for 9 years, not once did I miss a payment due to being enrolled in auto pay with XXXX military credit card. I canceled services in the beginning of the year due to many reasons.
1 ) XXXX continuously upping rates ( went from {$25.00} military gurantee rate to {$58.00} ) 2 ) we had pre paid cameras installation with a ring door bell threw XXXX which was never installed due to the tech and service mgr claimed due to our front foundation there was not enough room for the ring which required a min of 4 '' 3 ) there is currently a worldwide emergency know as covid 19 with millions unemployed and out of work ( which leaves someone home 24/7 not needing to waste {$58.00} for services no longer needed We have requested a copy of the alleged XXXX contract they're trying to charge us {$860.00} for after being a loyal customer for 9 years not to mention the numerous harrasing phone calls.
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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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.
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this debt I have reached out to XXXX the original owner of this account, transworld system and XXXX. I never received any information for what this was for I dont owe this company I paid my rent until I left and I dont have any past due bills at this place also there were no damages that were sent to me and I have videos and pictures of my move out and I was not given my deposit or given a breakdown of why which is illegal. This is a fraudulent debt that this company is picking up and they dont and still have not provided me what this is debt is for every time I call I get no answers for what this is for they just say they are waiting on the originator to send them the information. But I know its illegal to report a debt on someones credit without any knowledge of what the debt is for. I will be taking this company along with transimunion to court this is ridiculous and it has been over 45 days!
|
| 07/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Transworld Systems Inc Collection Agency has been sending harassing mailers to my home. In one particular event the company is representing XXXX XXXX for an erroneous debt that was handled with XXXX XXXX directly. The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. The FDCPA also says debt collectors can't use false, deceptive, or misleading practices. Here in Florida the Florida Consumer Collection Practices Act ( FCCPA ) prohibits both debt collectors and creditors from using certain types of abusive, deceptive, and misleading debt collection tactics. This includes misrepresentations about the debt, including the amount owed.
I believe that Transworld Systems Inc Collection Agency my be in violation of both FDCPA and FCCPA. I am politely requesting that you cease and desist immediately before I seek legal action against this company.
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Transworld Systems inc. is in violation of 20 of the FDCPA Laws as you can see in Exhibit A, B, C, and D I sent Transworld Systems inc. a debt validation letter, Transworld Systems inc. failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus which is another FCRA violation. Also as you can see in Exhibit C and D the amount is reporting inaccurate. By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want an apology and I demand remedy by paying the invoice included of {$20000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. Please I ask you to investigate this matter and help me from further harassment. Thank you, XXXX XXXX
|
| 07/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I have conducted due diligence and found no record of TRANSWORLD SYSTEMS having the required license to conduct debt collection activities in Alabama.
Therefore, I am formally requesting that TRANSWORLD SYSTEMS provide documented evidence of the agency 's authorization to engage in debt collection in Alabama. This should include a copy of the agency 's current and valid license issued by the relevant state authority. If your agency is unable to furnish this documentation, I insist that you immediately cease all collection efforts related to the alleged debt and discontinue reporting to the CRA 's without my consent.
Additionally, I remind you that debt collection activities without proper licensure are not only illegal but also a violation of consumer rights protected under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Failure to comply with these laws may lead to legal consequences.
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| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good afternoon, I got a debt collection letter with fraudulent charges from Transworld Systems Inc and XXXX, they are claiming {$740.00} dollars for an item that I bought from XXXX and was refunded because XXXX lost the package, the package was suppot to be delivery the same day or next day because the sender is in the same state ( florida ) but the package goes to XXXX witouth reason and they XXXX as delivery in XXXX, XXXX tried to recover the package for 1 week and finally they told me that the package was lost, I called XXXX since the day one when the package was going to the wrong state and the package was traveling for every single state in the US and XXXX never holded the package in a station after my claims, now they send a debt colletion letter 3 months after the package was lost and I got less that 1 month for paid the scam amount due if not they are going to report to the credit and impact re credit score
|
| 09/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I've submitted several disputes on my XXXX Credit Report to get this resolved, and the only response I keep receiving is that my debt has been verified as mine. I am not disputing the fact that the debt is not mine, and Transworld Systems and XXXX are not addressing the issue. I am disputing the amounts owed and wrongfully reported on my credit report because XXXX XXXX XXXX never billed my insurance company for my services, as you can see attached in my supporting documentation. I am disputing the amounts owed on my collections report by Transworld Systems Inc in the amounts of {$1700.00}, {$240.00}, {$100.00}, {$88.00}, {$79.00}, and {$66.00}.
I have attached my log of correspondence with XXXX XXXX XXXX XXXX to make my medical claims to ensure that my insurance would be billed for these services, and also, a photo of my account with XXXX XXXX XXXX which shows that my insurance was never billed for my services.
|
| 09/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had made payments to XXXX XXXX XXXX and after my last payment in XX/XX/2022 they sent my account to a collection agency for a balance of {$100.00}. I was not notified of this and every time I attempted to contact XXXX, I either received a message that their office was closed, they were at lunch and was unable to pay via phone because their system is faulted. When I finally did reach them, I was told that my account was sent to Transworld Systems Inc. collection agency. I have never received any communication from them. When I contacted the collection agency to pay the final {$100.00} of my balance, I sat on the phone for an hour waiting for them to find someone to take my payment. Transworld Systems Inc. would send me over to XXXX and XXXX refused to accept my payment. Both Transworld Systems and XXXX XXXX XXXX refused me the opportunity to submit a final payment of {$100.00} and neglected to accept my payment.
|
| 03/11/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I had loans through XXXX XXXX XXXX because I went to XXXX University and as a part of XXXX closing. they were supposed to get rid of the loans I still had almost {$9000.00} through uas lending Services since they receive the loans that XXXX had to give up. almost {$7500.00} of my loans was removed from uas lending services but I still have a total of {$1700.00} and change through uas lending services. I do n't feel that I should be paying for this other XXXX if they already removed almost XXXX from my private loans that originated with XXXX and wound up with uas. I keep getting calls from uas saying that I owe the money and now it 's in collections saying that I owe them money why was this part of the loan not removed when the other XXXX % was? I would like for this loan to be closed out I 've already reported it through XXXX XXXX saying that I should not be paying for it and all they did was remove the late fees.
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a federally protected consumer, as such I have the right to privacy. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. I am the executrix of my estate in the name of XXXX XXXX. Whereas I believe them to be a debt buyer, TRANSWORLD SYS INCXXXX must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, documents, and corporate records that pertains to accounts XXXX, XXXX, XXXX, XXXX ON THE PRIVATE AND PUBLIC SIDE. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have student loans with University Accounting Services LLC. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's XXXX who is a cosigner ) credit reports on XXXX it says there are 14 missed payments and our credit scores have gone down signficantly.
My disputed the report which XXXX denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX UAS LLC which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone.
I have disputed on my report now with XXXX but it is unclear whether the problem is with XXXX or UAS both of which have been unhelpful. I have many many issues with UAS actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.
|
| 04/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had a credit card with XXXX, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until TRANSWORLD SYSTEMS INC started garnishing my wages at 25 percent and is garnishing a total of about XXXX. Never got a communication or sopona to appear in court, never received any letter from either XXXX or TRANSWORLD SYSTEMS INC.
Also the garnishment is showing as a Student loan, I do not have any student loans.
Apparently Transworld systems is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB.
I never learned what happened because CPFB doesn't disclose the results of their inquiry.
Student with one loan- Federal XXXX TRANSWORLD SYSTEMS INC XXXX XXXX
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Transworld Systems popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus.
XXXX XXXX popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept.
Was advised to complete a report on the FTC site.
|
| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am fully insured. Yet, a medical facility, XXXX XXXX in XXXX XXXX Fl. incorrectly filed my insurance claim 3 times. The XXXX said they did not get authorization, XXXX XXXX XXXX XXXX XXXX denial letter claimed XXXX was not covered due to an old injury. I thought preexisting conditions were not an issue these days. This leaves me with the debt of {$16000.00}. Transworld Systems , Inc XXXX XXXX XXXX bought the debt and have tacked on {$530.00} in INTEREST for a XXXX week period. I should not even owe this debt. XXXX XXXX had incorrectly filed my medical insurance claim for my procedure 3 times.
XXXX complaint is against Transworld Systems for charging an exorbitant interest rate. Another complaint is against XXXX XXXX XXXX XXXX for denying a valid claim.
Last complaint against XXXX XXXX XXXX of XXXX XXXX for negligence in theri billing process and lack of good faith adjustment given this was mostly their fault.
|
| 09/07/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.
|
| 05/11/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
My daughter ( deceased as of XXXX XXXX, XXXX ) and I ( co-borrower ) initiated a government student loan ( what I thought was a government student loan and according to XXXX XXXX XXXX, Federal student loan ) XXXX XXXX. Payments did not begin until she graduated from XXXX XXXX XXXX XXXX in XXXX ( so I assume the protocol of student loan was being followed ). She was making payments and was current as of XXXX XXXX. Her unexpected death has left me as guarantor of the loan which I thought could be forgiven based on " student loan '' protocol. I have been " slapped '' with a civil judgement at this point in time which a first payment is expected XXXX XXXX, XXXX. I no longer have the income to support payments of this debt ( retired/pension ). I am seeking forgiveness or cancellation of the debt ( XXXX ). The initial school was XXXX XXXX XXXX XXXX. The promissory note and death certificate are available upon request.
|
| 06/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I was assigned my current home telephone number approximately XXXX months ago. Since the assignment I have received numerous unsolicited calls and XXXX put a stop on XXXX of them. However, Transworld Systems , Inc., a collection agency attempting to collect a debt has consistently continued to call me even after I have called them on XXXX different occasions giving my name and telling them they are calling the wrong number. Using their ID code XXXX they verified they are collecting on XXXX different people and my name is not among them. They promised to remove my number from their records again today XXXX/XXXX/16. I am sure I will continue to receive their calls since I have called them XXXX times before. Listing of calls : XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 It is illegal to call after XXXX XXXX but they did
|
| 05/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I got an alert that my credit report that my credit score went down. I pulled my credit report and found that there was a debt collection on there for utilities that I did not open. I disputed the debt via XXXX and they supposedly researched it via the debt collector and supposedly found the debt to be accurate. I called the actual utility company and they looked up the information and found the address of the utility account in question, researched it, and determined that the account was opened fraudulently in my name.
Credit Report : XXXX Debt Collector : Transworld Systems XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Utility Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} Account # : XXXX Account Opened : XX/XX/2021 Account Closed : XX/XX/2021 Address of the Utility Account : XXXX XXXX # XXXX, XXXX XXXX XXXX Tx XXXX Phone Number listed on the Account : XXXX Email Account listed on the Account : XXXX XXXX
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX was paid the balance they said I owe back in XX/XX/XXXX. I send proof ( bank account statements ) that the amount was taken out from my account on XX/XX/XXXX {$430.00} which {$300.00} was for an early cancellation fee and the rest was what I owe for that month. I've spoke with someone from XXXX XXXX and they no longer have any records of my account. I confirmed with my personal bank that the transaction of {$430.00} went through to XXXX XXXX on XX/XX/XXXX.
Transworld System Inc is saying that their client XXXX XXXX XXXX says I still owe {$300.00} but when I ask for proof they refuse to send it to me saying " Proof was already mailed to you or we are waiting for our client XXXX to submit more proof of that debt still owe ''. Till this day I have not received any proof that in fact is my debt to begin with.
This problem has been going on for months now since XXXX and is now impacting my credit score.
|
| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had opened a phone account with XXXX for my ex spouse on XXXX XXXX, 2021. I made the first payment for her soon with in the next month we separated and have been going through the divorce process for over a year now she was supposed to pay her phone bill every month. I moved and have just received this bill in the mail from a debt collector. I'm willing to pay the cancelation fee to settle this, but I was unaware this wasn't being paid and if the phone was not used since XXXX shut it off and I had sent my other phone through the mail to XXXX because they had a deal on trading your old phone for a new one garranteed {$1000.00} trade value. I put the sticker I received from XXXX with address stamped on it on a box with my old galaxy note phone and dropped it off at ups to be delivered to them so I don't think I'm responsible for {$1100.00} I will pay for the cancelation fee in order to get this off my credit.
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the XXXX 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im XXXX
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1. Previous to XX/XX/2019 reported the issue of the incorrect line item to all 3 credit bureaus and the credit bureaus reported that the line item was Resolved by Data Furnisher.
2. On XX/XX/2019 wrote to the Data Furnisher of the line item requesting validation of the debt. The Data Furnisher has a different address for each of the three credit bureaus. Having 3 different address appears to be an attempt to confuse the consumer and cause diversion. I sent a certified letter requiring a signature to all three addresses listed on the 3 credit bureau reports.
3. On XX/XX/2019 wrote to all three credit bureaus to address the concern again and provided the collection of documentation to include : previous letters sent and copies of the certified mail certificate requiring a signature ( one of the three was returned as undeliverable ). It has now been 120 days and I have not heard back from the Data Furnisher.
|
| 12/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
TRANSWORLD SYSTEMS calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}.
They tried to get my bank account information, and promised that they would not extract the funds until XX/XX/XXXX, I did not give them my account info, as I had bills to pay and other debts to pay.
They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.
|
| 10/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/23 I was notified by XXXX XXXX that there was a new collection account on my profile. Upon further review, I discovered that the company TRANSWORLD SYSTEMS INC added a collection account in the amount of {$350.00} to my profile. I had no knowledge of this. I never received any communication from this company prior to this and I never had an opportunity to pay the debt or dispute it. I called the company directly to inquire about this, I asked what mailing address and email address they had on file for me and both were incorrect. In my opinion, they made no attempt to verify their information before placing a collection account on my profile unfairly. Had I known about the debt, I would have paid it before it negatively impacted my credit. The company offered me no solace for this. I expressed my concern and asked if they would remove it from my credit report since I paid it in full and they said no.
|
| 03/29/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans, instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either " call the credit bureau '' or " that 's not my department, call this number. ''
|
| 01/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
For several months I have been receiving daily automated calls from Transworld Systems trying to collect a debt. When I answer I just get a recorded message to call XXXX and reference Case ID XXXX or XXXX.
Returning the calls, I have learned that neither of the Case ID 's are associated with my name. I have made repeated requests to have my number removed, but continue to receive calls. On a call I placed XXXX at XXXX XXXX ( CST ) I was assured my number would be removed within 24 hours. It wasn't. On XXXX at XXXX XXXX ( CST ) I spoke with XXXX and was told again it would be removed within 24 hours.
Today, XXXX after receiving yet another call at XXXX XXXX I decided to file a complaint. They are calling my office line and interrupting my business. The last 2 calls I made to them I told them I would file a complaint if I continued to receive their calls.
I have saved some of their recorded voicemails.
|
| 11/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or around XX/XX/2023 I received an alert from XXXX XXXX that had a collection placed in my name from Transworld Systems. After review, it appears the original creditor is " XXXX XXXX XXXX '' for a charge of {$420.00} for an account opened on XX/XX/2023. XXXX XXXX XXXX is based in Texas, where I have never lived or had any utility services. Someone was able to open an account in my name through fraud. The account was closed and a collection placed that is affecting my credit.
I called the company but they informed me I needed to go through these steps in order to have this negative occurrence and collection removed. They offered no assistance or details on how this account was opened without my knowledge or consent.
I received no calls, emails, texts or notifications from XXXX XXXX XXXX notifying me an account had been opened or that a debt was owed until this collection appears on my credit alerts.
|
| 07/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/XXXX Transworld Systems contacted me about a hospital debt for a procedure in XXXX at XXXX XXXX. They said that my XXXX XXXX XXXX only covered {$60.00} and that I had an outstanding balance of $ XXXX that I needed to pay. I explained that I had not had any procedures done and that I do not go to that hospital. I contacted my medical insurance, and they did not have a record of me going to XXXX XXXX let alone having a procedure done. I also checked my credit report and do not have any collections. I told Transworld representative that it appeared to be a fraudulent claim. They said they would investigate and send me a response. I know that collection agencies sell to other collection agencies, and I would like this to stop before it actually reaches my credit report. I am afraid that they may try to garnish my wages and tack on fees for something that never happened. Transworld called me from XXXX
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To whom it may concern : I am writing to dispute the debt you claim I owe you. I have never signed any contract with your organization or purchased any goods or services from you. Therefore, I need clarification as to why you are attempting to collect a debt from me that I do not owe. As far as I know, I have no outstanding debts with your company. Furthermore, I have not received any bills or notices of overdue payments from you. Therefore, this is a mistaken identity or a fraudulent attempt to collect money from me. I request you provide proof of the alleged debt, including the original contract, invoices, and other supporting documentation. It is my right as a consumer to receive this information, and I will not be making any payments until I have reviewed and verified the debt 's validity. I appreciate your attention to this matter and expect a prompt response from your company.
Sincerely, XXXX XXXX
|
| 04/07/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. XXXX XXXX XXXX XXXX XXXX has law suit against me to garnish my wage has the co-signer which I can not afford. I am a XXXX year apprentice program.
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I moved out of an apartment in XXXX XXXX and received my final bill from my electric/gas company " XXXX XXXX '' in MA. It was more than I expected ( because I was canceling a " budget plan '' too early ), but nonetheless paid it via the automatic withdrawal that I had setup with my accounts that was in place the entire time I was in that apartment. I even confirmed with XXXX XXXX support staff that my outstanding bill would be automatically withdrawn for the full amount. Months passed and I received a letter from a credit collector " Transworld Systems Inc. '' th at I had an outstanding debt of {$280.00}, which was not any of the amounts that I was told by XXXX XXXX which makes this highly suspicious. I told them that this was an error and they did n't contact me via mail/email/phone for another 4 months and then I got another letter in the mail. This needs to be resolved by them.
|
| 03/27/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have a subsidized student loan account with XXXX XXXX from my XXXX degree at XXXX University. I have been continuously enrolled in graduate school at XXXX University since XXXX meaning that this loan account is supposed to stay in deferment. However, this past XXXX, XXXX XXXX claimed that I could not be found on the XXXX XXXX XXXX and removed my account from deferment and started charging interest. I have submitted enrollment verification to them and called them multiple times to resolve this issue. They tell me every time that my enrollment has been verified, but that it will take 2 weeks to process, for my loan to be placed back into deferment and for the interest charges to be removed. This has been going on now for 3 months, and no action has been taken. My loans are still listed as out of deferment and interest keeps accruing, and now they are reporting it as an open account on my credit report.
|
| 07/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my credit report and out of no where a derogatory remark was from Transworld System I. This was debt apparently owed from an old apartment complex 6 years ago or more. I contacted the debt collection agency and the agency was unable to provide anything specific and did not have any of my personal information on file other than what was reported to them. I contacted this company in XXXX 2020 requested the original debt owners provide documentation to confirm the debt. Since I have called four times, faxed in a 609 and I still dont have anything! I just called them today XX/XX/2020 at XXXX XXXX and they wouldnt give me any specific time I would receive a notice. I was not notified by the original debtor. I am also trying to buy a house. This is a terrible inconvenience and all my attempts to have my legal needs meet has failed. This company does not seem legit either. Nothing online. Just there.
|
| 06/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.
|
| 09/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
To Whom it my Concern, I was out of town last XX/XX/2018 and my daughter had been moving out of the house and into a condo with her boyfriend, she was picking up the last of her stuff over the weekend when she hit my rental that was parked in the driveway, she had done an address when she moved out weeks prior, but had not taken full effect, anyways her insurance did not pay for the damages on the rental, my insurance company, but there's still an outstanding bill of {$1500.00} and some, I refuse to pay because I did do the damages, she admitted to her insurance company that she did the damages but they won't pay, I ended up with the hit against me and my insurance cancelled me shortly after that and now it's on my credit report for not paying, why should I take the hit for one and 2 why should I have to pay it and why is the insurance company not taking responsibility and why is it on my credit report.
|
| 03/23/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I 've had several issues with my federal student loan managed by UAS XXXX. My account is currently set up for auto pay and it is scheduled to be withdrawn on the due date. They have changed the amount due on me twice after my auto pay was scheduled without updating my auto pay amount or notifying me of the change, and reflected both events as a late payment on my credit report. I spoke with them by phone on both occasions, and they could not tell me why it happened.
I 've also contacted them in excess of XXXX times in the past year, both by phone and email to update my mailing address on file since I moved. They 've reassured me multiple times that they 've fixed the issue, and two days later my account is reflecting my old address. They 've sent tax and billing documents to my old mailing address because of this, which is extremely upsetting because of the information contained inside these documents.
|
| 05/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted XXXX XXXX, my old apartment complex because they said Me and my husband owed a ton of money when we moved out. I contacted them and they took off quite a bit with the proof of documentation I had. I sent quite a few certified mail letters and emails and they wouldnt responded. I tried very hard because I had paperwork from them supporting that I owed no money and I did everything correctly when I moved out. They would never respond to me and I couldnt do anything about it. I never received anything about this going to collections. I have leases and documents since the time I moved in 5 years ago to prove everything but they r not willing to look at anything. Also they recently switched management and dont have a lot of the older documents. They are XXXX who were horrible and I felt constantly endangered for my life because they did nothing to protect anyone. I always felt scared and unsafe.
|
| 06/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from a collection agency in XXXX 2017 about a debt I owed to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I sent a letter disputing the debt to Transworld Systems In c ( the co llection agency ) disputing the debt because my insurance had n't been applied to the bill. I received a letter from Transworld the beginning of XXXX 2017 with a breakdown of my medical charges ( $ XXXX $ XXXX = {$1400.00} ) and a link to XXXX to pay online. I then received a second letter in XXXX of 2017 stating that I owe {$1300.0 0} ( afte r insurance adju stments ) and a link to transworldpayments.com. When I checked my credit the beginning of XXXX 2017 , it stated that I had an outstanding balance of {$2800.00} broken down into XXXX charges all on XXXX XXXX , 2017 ; XXXX for {$93.00} and XXXX for {$1300.00}. So, they had slightly more than double charged me.
|
| 11/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been trying to have a collections account in the amount of {$410.00} awarded to my ex-spouse in our divorce removed from my account for over a year now. ( First removal process was XX/XX/2023 ) Transworld Systems on the behalf of XXXX XXXX XXXX utility company ) has done everything they can to avoid removing the collections account, even after I have submitted the divorce decree to them for review multiple times. The debt is not my responsibility and my credit score continues to suffer due to the questionable practices at Transworld Systems. They actively refuse to provide any information about my collections account removal process, refuse to provide a deletion letter, and repeatedly ignore my phone calls or hang up on me. I have spent hours on hold trying to have this issue resolved over the past year and yet they refuse. Collections practices like this are not only immoral, but also illegal.
|
| 11/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
I received a collection letter from Transworld Systems , Inc alleging that I owe a debt to XXXX in the amount of {$60.00}. I immediately wrote a letter to Transworld to dispute the debt as " not mine '' and asked for proof that I owe this alleged debt. I have yet to receive any response to my request. I did contact XXXX and it appears that they made a mistake and billed the incorrect person. XXXX has corrected their error, however Transworld Systems , Inc. refuses to remove the fraudulent account from collection even though there is nothing to collect. I have filed complaints with the Texas Attorney General as well as with the XXXX. Upon searching this company online, there have been a multitude of people that have experienced similar situations as mine. This is a fraudulent collection account that never should have been placed for collection to begin with because it belongs to another person- not me.
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| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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During a stay at an XXXX XXXX in XXXX IL back in XX/XX/2017, I left a computer laptop charger behind. I contacted housekeeping and asked if it had been found. Was advised it was at the hotel and they would hold as I visit XXXX often for work. About a week later, a package arrived at my home and it was the cord shipped via XXXX. I never requested it to be shipped nor did I authorize any charges rendered by XXXX. The original charge was around {$22.00} they were trying to collect. Now Transworld Systems is attempting to collect XXXX for XXXX invoice # XXXX XXXX XXXX and my file # wth Transworld is XXXX.
My wife and I have excellent credit and never late on payments. This charge however was never authorized and I'm upset this was ever sent to collections. This again was never authorized and I expect a resolution.
I can be reached at XXXX or XXXX XXXX XXXX if you have questions. Thank you in advance.
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| 10/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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TransWorld Systems Inc. keeps calling me from various numbers. They call almost every day, multiple times a day. Sometimes it is difficult to know it 's them because they use different phone numbers. They use phone numbers with local XXXX area code- where I am located. I asked them to stop calling on XX/XX/17 but the representative said, " I do n't know if we can do that because it 's an automated system. '' He was very demeaning and rude. I asked him multiple times what company he is from, he refused to say. After arguing with him, then pretending to get the person he was asking for, the representative finally disclosed what company he works for.
I do not believe I have any reason a debt collector should be calling me!!! Why not send a letter in the mail if I have debt with them? Even so, they do n't leave a message on my voicemail stating who they are and a call back number. They are harassing me.
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| 05/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Owed an amount to XXXX which was cleared up with the tollway direct and agreed to have the collection agency remove any negative marks as it was not 100 % correct. As when I orginally reach out to XXXX XXXX before it had gone to collections the rep I had talked to said that she was removing the additional charges as long as the original tolls where paid which where. I never received any notice from the collection agency and only seen them reporting on my bearu to date I have not heard from the agency only see them on my Credit report I have tried to reach the corp office at the number, a number that I was provided by a cs rep at XXXX. ( the corp number I was given is XXXX ) but still have not heard anything from the collection agency and it is still being reported on my XXXX XXXX report after I was told it would be removed immediately after the situation was settled directly with the oirginal creditor
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| 11/05/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I pulled my credit and was surprised to see a collection from TransWorld System Inc., which being a collection has dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or who it was for. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt from XXXX which did not hit my credit until XXXX ( 2 years later! ). After finding the company name and phone number they were able to pull up my account number ( XXXX ) with my social security number and I was then able to verify what it was for and settled for the amount it was for. As an XXXX veteran trying to better his finance for his family, I would like to kindly request that this collection be removed from my credit due to erroneous collection practices.
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| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Written Dispute was sent certified mail and receipt with the Transworld and XXXX XXXX XXXX on XX/XX/XXXX. Dispute was filed with XXXX, XXXX and XXXX. A direct dispute with the Credit Agency was filed on XX/XX/XXXX as a follow-up when no validation of the amount owed was provided.
Verified that the dispute is still open with the Credit Bureaus. Called Transworld ( XXXX ) on XX/XX/XXXX and verified that they indeed received the disputed on XX/XX/XXXX and was awaiting XXXX XXXX to give them more information to validate the account, however continued to report the debt as derogatory against FCRA regulations on XX/XX/XXXX and XX/XX/XXXX and then again on XX/XX/XXXX and XX/XX/XXXX.
Demanded that they remove the debt from my credit report immediately and the response that was given was they are trying to validate the account even past the 30-day timeframe from the initial dispute received on XX/XX/XXXX
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| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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The creditor, XXXX XXXX XXXX XXXX of XXXX University, has contacted me repeatedly throughout XXXX attempting to collect a debt they allege I owe. I resigned from their organization in XXXX of XXXX. I responded to every email with a request for an itemized bill of my " outstanding balance '' but was never once received a response. My last contact with them directly was XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from TSI systems stating I owe {$190.00}. I later received what I believe is supposed to be a Notice of Debt from TSI, but it did not include any itemized or detailed information about the debt in question. It listed the account number and amount due but no further details. I believe the pursuit of debt in question is invalid on the basis of never receiving a requested bill in the first place, but it is my perception that TSI has violated the new regulations under the FDCPA.
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| 10/10/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Transworld Systems Inc. XXXX XXXX XXXX XXXX , DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XX/XX/XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXX and I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if Transworld does not contact them to straighten this out.
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| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I am requesting that collection agency remove chargeoff from my credit report as I have already paid debt in full. This is compromising my opportunties to get new credit. Below is the collection agency information.
TRANSWORLD SYSTEM INC/ Original creditor : XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 100 % Balance on XX/XX/2021 Original balance - {$3500.00} Payment Info Original balance {$3500.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
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| 08/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was helped in the emergenecy room on XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I have insurance and recieved a bill from them after insurance paid their part. The bill was paid in full in XX/XX/XXXX, but I recently found out they sent me another bill in XX/XX/XXXX or XX/XX/XXXX and i no longer lived at that residence and never recieved a bill. I found all of this out on XX/XX/XXXX and contacted the emergency room provider XXXX XXXX and was told my bill was in collections. I asked the person who helped me over the phone if they could let me pay the bill i never received of XXXX cents. So now I have a collection on my name from transworld systems, XXXX XXXX, XXXX, de,XXXX. I have a collection on my credit now and would like to know what process i can take to remove this collection off my credit as ive already paid the debt to the medical office i never received a bill from.
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| 07/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I live in XXXX XXXX XXXX, XXXX, DE and hired XXXX XXXX XXXX XXXX to fertilize my lawn couple years before. Their service was not good and complained multiple times, but no use of complaint. They continued their service year over year due to their system tactic - Auto renewal to next year which i did not request to continue.Without my request they are applying fertilizers and was sending bills. Since they already did service, i kept paying for couple years with kind ness, but i am not able to come out of their service plans because of their auto renewal policy even though complained couple times.
Finally decided not to pay the recent bill of around {$90.00} from XXXX of 2023. I requested to cancel this bill as i as i did not like the service.. They ignored my request and send my bill to collection agency - Transworld. systems inc Now iam afraid of my credit history and collection agency threat.
|
| 06/20/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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I requested a 30 day payoff statement from my loan company to refinance with another company. They initially told me it would take 48 hours to appear, and when I didnt get it, I called back. The gentleman told me it can take up to 3 business days and to keep waiting. Several days later, I called again and a woman informed me it actually takes 10-14 business days ( which seems insane but fine ). After anxiously waiting without ever receiving the document, I finally I called on the 17th business day and was basically told that someone would look into it, and that she would send a 2nd request just in case. My first loan payment is now past due, my refinance application with the other company expires in 5 days, and this payoff statement ( whenever I do get it ) actually expires in 4 days. Meanwhile, the loan company continues to accrue significant amounts of interest with every day this is delayed.
|
| 04/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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In the XXXX XXXX XXXX I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in XXXX XXXX XXXX XXXX XXXX . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department. In XXXX XXXX , I received a notice of debt collection from Transworld Systems Inc. I sent a written notice on XXXX XXXX , XXXX demanding immediate cessation of attempts to collect this erroneous debt. On XXXX XXXX , XXXX I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}. I have sent another notice to the company as of today, XXXX XXXX XXXX demanding immediate cessation of attempts to collect this debt.
|
| 07/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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I was struggling with my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) student loans ( XXXX XXXX loans for {$8500.00} each for college. ) and unfortunately, used my XXXX time deferment previously. Every time I call and ask what my options are, they say there is nothing they can do.I received a letter dated XX/XX/2022 saying that XXXX will consider wage garnishment and I may dispute the decision and have 60 days from the date of the letter. ( Payoff amount : {$24000.00} ). A day later, I receive a letter from XXXX XXXX XXXX dated XX/XX/2022, stating that they are a debt collector attempting to collect on my student loans and their number is {$28000.00}. How can they say I have 60 days to respond but have already transferred the debt over to a collection company who has tacked on {$4600.00} 3 days prior? Any help on this issue would be greatly appreciated seeing as how Im just struggling to survive.
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| 07/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX sued me for a medical bill that was unpaid. The attorney & XXXX, ( the collection agency ) was the conduit of information as I did attempt to contact XXXX in XXXX Maryland to get resolution. I had insurance at the time of my hospital stay but there was a misunderstanding of where or how the billing was submitted. The bill for about {$1300.00} was denied and that's what the lawsuit was for. In the meantime I missed all their attempts to contact me until they sent a process server who served me with court papers. I had insurance with XXXX and they attempted to process the bill once they had my correct insurance member ID. They currently have pending judgement on my credit even though this has since been dismissed. I sent a certified letter to have this removed from my credit report and it has not been removed yet. Letter was sent to XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX DE XXXX.
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| 04/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid this debt as soon as I received a bill from the medical provider. I paid it in full on XX/XX/XXXX. The statement was dated for XX/XX/XXXX. I then received a letter from the collection agency, Transworld Systems Inc., dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I sent them a letter with a copy of my payment after I called them more than 15 times and no one ever answered. The recording would tell me the person at extension ( then give a very long extension number ) was unavailable. Please leave a message. Then the recording would say the mailbox is full and can't accept any more messages. Then I received another notice dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I tried calling again and it was the same thing. I tried their website and the only option is to pay the debt, no way to dispute it. They gave me a registration number that also does not work for anything other than paying.
|
| 07/27/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I got a notification stating that I was in default of a Perkins Loan and was in the process of re-enrolling in school. I called the servicer to request the amount owed {$700.00}. In turn, I reached out the XXXX XXXX and requested a loan consolidation to satisfy the outstanding default. XXXX XXXX quickly turned around the consolidation and UAS ( XXXX ) received the funds on XXXX. I called on more than one occasion to get the payoff/paid in full letter to forward to XXXX University so that they could release the debt on my account. I was promised on two occasions that they would forward me the appropriate information via email only to not receive it. I called on the XXXX and held on the line while the supervisor drafted the attached letter, which is basically an account summary. This information still has not been forwarded to NLDS or www.Studentaid.ed.gov accounts and still shows as a default.
|
| 11/17/2023 |
Yes |
- Student loan
- Private student loan
|
- Issue with income share agreement
- Billing or statement issues
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|
Web |
|
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Good morning.
I receive a loan to go to a film school. The amount of said loan was supposed to be {$12000.00} dollars. Unbeknownst to me the actual loan amount was {$18000.00} dollars with an interest rate of XXXX XXXX and {$5900.00} in what they call interest+fees.
{$12000.00} with the interest rate of XXXX XXXX across 60 months or 5 years is a total of {$280.00} month. When I started i was paying $ XXXX {$140.00} up until recently. It has now jumped to {$350.00} a month.
In order to have {$350.00} a month payments, the actual interest that is being dealt is XXXX XXXX. {$12000.00} across 60 months with an interest rate of XXXX XXXX is exactly XXXX. This is predatory lending and they are getting away with because people want to purse their dreams and goal in the college or educational programs and institutions of their choosing. This is blatantly illegal and not to mention blasphemous.
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| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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NOTICE OF FAULT/OPPORTUNITY TO CURE Transworld Systems You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 XXXX.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.
Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
|
| 02/09/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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The company TRANSWORLD SYSTEMS INC. reported me to the credit bureau after I had set up payment arrangements on an account for medical debt .I was not informed that I could still be reported to the credit bureau after I had contacted them and set up arrangements to satisfy my medical debt. I made arrangements XX/XX/2016 for auto-pay to ensure they got their money. They reported me to the credit bureau XX/XX/2016.
Nowhere on the statement does it disclose that I will be reported to a credit bureau. I was not told over the phone that I would still be reported 4 months after I had set up ongoing arrangements for ongoing satisfaction of payment of the debt.
Unfortunately for me I was diagnosed with XXXX and this is what has happened, I feel as if I was taken advantage of and not presented with full disclosure. My credit has been perfect until my medical condition in which I had to quit my job.
|
| 06/05/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
|
| 07/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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In XX/XX/2022, I received a letter from a collection agency, Transworld System, demanding I pay a medical bill for XXXX XXXX XXXX
While neither deny nor accept the bill, I was looking for some questions to be answered. They answered most of them, but refused these questions : 1. The agreement with your client grants you the authority to collect on this alleged debt.
2. The agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.
3. Any judgments obtained by any creditor regarding this account 4. Commission for the debt collector if the collection efforts are successful.
5. Provide the name and address of the bonding agent for Transworld in case legal action becomes necessary.
6. Verification that this debt was assigned or sold to a collector.
Instead of answering my questions, they sent me another bill on XX/XX/2022, and another on XX/XX/2022.
|
| 03/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I received a collection letter from Transworld systems I never herd of this company. They are stating that I owe {$1000.00} in XXXX XXXX tunnels tickets. This is untrue., This company has not shown me any tickets or passing. I always pay my tolls cash if I did not have an active easy pass I paid over 200 XXXX XXXX money in XX/XX/2018. This company has found some time of balance with someone and charge me with it. I do have or presumed to have had a balance with XXXX XXXX for {$40.00}.
I demand this be discarded and this accusation be dismissed I do also believe this company should be fined for false documentation.
This collection agency is a fraud persone who to contacty XXXX XXXX XXXX This company has a charge repeated over 22 times and they have no lic plate # I did not have a car during this time where did this come from what state and how where this is not true what car what year!
|
| 09/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
XX/XX/2017-I was called early in the morning to ask if I wanted to pay my balance to XXXX XXXX XXXX. I told the representative that I was working with the XXXX XXXX company directly and she proceeded to talk loudly and tell me no ma'am that I absolutely cannot do that and I am in collections so I will not be allowed to go through the original creditor to pay my debts. I calmly told her I actually have went through them(original creditor) set up a payment system with them and She continued to argue by which I just wished her a good day and hung up on her. I will not be talked to like a child and called a liar pretty much. It is my money and I will pay my debts to the original creditor not be told I cannot do so. On top of this I am being charged an outrageous amount for a fee through TSI. Also, they have talked to me this way before when I have spoken with them rudely and demanding payment.
|
| 07/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.
|
| 05/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
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I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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After XXXX XXXX, I took out a loan from the XXXX. Due to economic reasons I could not start with the payments and they sent the account to a collection agency. At that time, we made a payment plan of {$120.00} per month, which was being debited from my account with no problem. In XXXX of this year I received a call stating that I had to pay the full amount and that if I didn't pay my wages would be garnished. Also that the agreement they had reached was a mistake, because it should have been for more money. I was surprised what happened. I had to ask a family member to lend me {$4400.00} to make a payment. Still, they want you to keep paying {$700.00} per month for 36 months. I've been trying to work out a lower payment deal and they don't want to help me. I need your help, I do not refuse to pay, but to establish a reasonable payment that I can meet. The collection company is Transworld.
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a consumer of the United States and Transworld System INC who is a third party debt collector is attempting to collect on a Alleged debt they purchased. Pursuant to the federal fair debt collection practices act they have no right to collect or report on Alleged debt without my written consent nor consent to any other company as well. This is identity theft my information was accessed and sold without my prior knowledge. I am constantly being called numerous times everyday from different phone numbers harassed by mail and threatened. All of this is a direct violation of the Federal debt collection practices act 15 USC chapter 41. Attached is a cease and desist that was sent certified on XX/XX/XXXX they received XX/XX/XXXX certified mail with green return receipt and did not respond to but continues to try to collect on. All of the violations are submitted and remedy that I demanded.
|
| 04/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I went to the XXXX XXXX to address a medical problem. When I received a bill for XXXX dollars it was paid in full in XX/XX/XXXX. This bill was paid in full on. XXXX XXXX. Despite the paid in full bill I began receiving phone calls and collection letters from this company. I tried several times via phone calls to resolve this matter. I told them the date this account was paid. To no avail. Finally, I sent a return receipt letter to the company with a copy of the cashed check. I also told them not to contact me regarding this paid bill. The company received the letter and the copy of the canceled check on XX/XX/XXXX. XXXX XXXX continued to contact me. They also referred me to a collection agency. TSI. This is sloppy business practice. It is dangerous customer service. This company has ignored the evidence that this bill has been paid.
Account number XXXX XXXX XXXX XXXX XXXX
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
TransWorld System Inc XXXX XXXX XXXX XXXX XXXX I have disputed this account TransWorld System Inc with the credit Bureaus because I had no knowledge of the account, and all they did was update the information on my credit reports. I then wrote to TransWorld System Inc on XXXX XXXX requesting more information about this account, but they never responded to my request. I again wrote the Credit Bureaus on XX/XX/2022 informing them that TransWorld System Inc has not responded to my request for validation which is a violation of my rights Under the Fair Credit Reporting Act, and to PLEASE REMOVE this information from my credit reports. Again, all the Credit Bureaus did was update the date on the report. I have enclosed all notarized letters to show proof that I had correspondence with the Credit Bureaus and TransWorld System Inc regarding this inaccurate reporting.
Thank you for your help.
|
| 07/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I was in a car accident on XX/XX/2018, and now, three and a half years later, I received a collection notice for ambulance services. I did provide my health insurance information to the ambulance billing service, and didn't hear from them further till I received a collections notice three and a half years later. My health insurance doesn't show any claims from them - it appears that they never billed my insurance, never reached out to me again, and just sent the debt over to collections. They did bill my secondary insurance, which was my car insurance, as in the state of Florida all car accident medical claims must go through car insurance first. It was their mistake that they failed to bill my primary health insurance, even though they had the information. I'm especially aggrieved that they waited this long - this could have been resolved had they reached out to me in a timely manner.
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| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Apartment complex XXXX XXXX XXXX in XXXX Texas are claiming that I leased an apartment with them and have a balance due which is now in collections. The account is now being handled by a third party TSI- Transworld Systems Inc . I went in person to speak to the property manager, XXXX XXXX, and he stated he doesnt not have access to my lease nor the documentation collected at the time the lease was signed. He went as far as mentioning that this community lately has gone thru a sweeping change of staff due to several fraudulent leases and out of compliance issues and mentioned its not likely they havent any of my original lease information on file. I have spoken with the collection company as well because this is hurting my credit and have tried to dispute it and request original documents collected and my identifications showing it was me that leased the apartment but no one is helping.
|
| 07/14/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.
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| 12/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX/XXXX/XXXX I visited the Emergency Department for an injury that occurred at work. I filed the necessary paperwork since the injury should never have been billed to my personal insurance. It was mistakenly billed to my insurance and a balance was then determined for {$510.00}. After multiple attempts to get XXXX Medical Center to dissolve this false debt to no avail. I recently received a letter from a collection agency and they have not given me anyway to contact them without providing them with more personal information and they have requested a rebuttal in writing but have failed to give me a way to contact them in writing. The collection agency Transworld Systems who 's number is XXXX. I will try and contact them via phone but I must be able to submit something to them and writing. I only have 30 days according to the letter and it has a date of XXXX/XXXX/XXXX on the letter.
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| 01/10/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2023 I disconnected service with XXXX ( my phone number XXXX ). On XX/XX/2023 XXXX charged on my credit card for {$150.00}. They subsequently owed me {$110.00} in prorated amount due to my disconnection of the service. I received multiple statements in the mail from XXXX stating I was owed a credit of {$110.00}. I made XXXX phone calls between XX/XX/XXXX, XXXX XXXX, XXXX inquiring about when I would be receiving the refund. I was told numerous times that the money would be refunded to my original payment method which was my credit card. Despite my XXXX attempts to receive my refund, they never refunded my money. I then filed a dispute with XXXX ( my credit card company ) for a partial refund of {$110.00} of the {$150.00} I paid to attempt to get my money back. XXXX then immediately sent me to collections, I received a bill from Transworld Systems Inc saying I owe {$45.00}.
|
| 06/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
XXXX XXXX card..sent account to XXXX XXXX without my knowledge. Always had a {$160.00} allotment from retirement pay since XXXX ... after Hurricane Harvey hit last XX/XX/XXXX, lost car, furniture, eviction from home, mother ill in and out hospital, XXXX XXXX, 2 vehicle accidents..XX/XX/XXXX/XX/XX/XXXX XXXX I went down to $ XXXX/month.. wanted to keep sending what I could. I asked them would they please except this for like 5/6 mos.. til I get back on my feet.. Now recently they have deducted without my knowledge even more of what allotment was.. $ XXXX..requested hardship like XXXX ( XXXX XXXX card ) ..and they want all types of personal info from 2 prior months, ,ie..tax returns, bank statements..just for a credit card.. orig balance was over $ 5000..and now it is down to $ XXXX- $ XXXX..this is ridiculous..PLEASE STOP THIS MADNESS..XXXX XXXX XXXX XXXX XXXX IS OVER XXXX XXXX CARD!
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| 01/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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The original account was with XXXX however, it was sold twice so how can XXXX continue to update my account with inaccurate information. The account was settled and paid to Nationwide Credit in 3 installments of {$180.00} each. XXXX continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ), XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is XXXX continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. XXXX reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with Nationwide they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does XXXX own my account still or does Nationwide Credit?
|
| 07/27/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.
|
| 04/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My identity w as compromised and an account on my credit report for a XXXX account that I have no knowledge of. I called TRANSWORLD SYSTEM INC at ( XXXX ) XXXX in early XXXX. The representative has a different address that I never resided at, and Ive lived in XXXX since XXXX. On XX/XX/XXXX a direct email, yet ANOTHER email was sent to " XXXX '', who has failed to respond. I included the police report and FTC filing. The name is XXXX XXXX and that email was provided to me by customer service when there is fraud or documentation needed to be sent. This needs to be removed from my credit immediately since it w as not done by me, nor allow ed under any circumstances and I have no prior know ledge of. This is indeed fraud. I have no affiliation with this company, past nor present. This item is in all 3 credit reports that was never authorized, and I had no know ledge of in any capacity.
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| 05/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a letter from XXXX XXXX stating that I owed an XXXX crypto exchange called XXXX XXXX {$26000.00}. To which I know nothing about, it's a fraudulent debt. I never borrowed any money from this place, nor did I make any agreements to pay them. I sent the collection agency a dispute letter on XX/XX/22. I requested that the debt collector verify and prove that I borrowed, owed and agreed to pay this amount to XXXX XXXX- which I never agreed to any of that, as I don't even know what the debt is. I filed a dispute with all XXXX credit bureaus. Today, XX/XX/22, I found out that XXXX is not able to remove it from my report because the collector lied and told them that the debt is valid. I was wrongly put in collections by XXXX XXXX in the first place. After sending my dispute letter to the collector, I expect all of this to be removed from my credit, and so far it hasn't happened.
|
| 11/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent in a written dispute through my original attorneys XXXX XXXX. TSi received the dispute on XX/XX/XXXX as documented in a phone call with a supervisor who refused to give me her name on XX/XX/2018. Which is the day I called in to ask them about why my account was still not validated even after me sending my own debt validation letter dated XX/XX/2018. As of the date of this complaint I have not personally received any documentation validating this account as belonging to me and it has been well over the time constraints allowed by both the FCRA and also the FDCPA which both CLEARLY state that any request for validation of a debt must be done within 30 days from the date of the dispute or the debt will be considered erroneous and therefore removed from any credit reporting agency it may be adversely affecting. I have never lived in Texas and I have no recollection of this debt.
|
| 10/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Trans World Systems has been posting a delinquent debt. They indicated on my credit report that I owed XXXX XXXX about {$85.00}. I received no notice of this debt, and thought when I moved all my debts were settled. I called XXXX and requested validation of the debt in the form of a final bill, last XX/XX/XXXX. None came. This again poped up on my credit notifications, so again, I reached out to XXXX XXXX, and after much discussion, I believed the explanation that I owed them money. They switched systems and a supervisor sent me validation. I paid the roughly {$85.00} owed via check to XXXX 3 weeks ago. I called TransWorld and they had no record of the debt using my account number with XXXX XXXX. I no longer owe this debt. It keeps posting as a new delinquency on my credit report and it is harming my ability to borrow money at reasonsble rates. Please ask them to stop, please help.
|
| 02/15/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
|
| 10/21/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX, I was sued by XXXX XXXX XXXX ( XXXX ) for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX of XXXX XXXX, now XXXX XXXX XXXX XXXX. XX/XX/XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to XXXX were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of Virginia, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. One year later, I have still not received any written notification from XXXX or XXXX XXXX XXXX, which they also mentioned on the phone.
|
| 03/12/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Back in XX/XX/XXXX I was received a phone call from Transworld Systems stating I owed on an old auto insurance policy with the company I still have insurance with. They claimed to have sent me letters to an address I had lived at 5 years prior. The lady wanted me to pay over the phone and I told her I dont give my credit card out over the phone as Ive had my info stolen before doing such. I told her to send me a bill and I would send them a certified check. A month later I received a letter explaining the debt I owed but no way to send them a payment. I tried going on their website to pay the debt but that didnt work either and so I sent them an email asking for a registration code to get on their website. Finally on XX/XX/XXXX about 2 months after sending that email I finally got a letter with the registration code to log on their website. Tried using the code and it didnt work.
|
| 05/05/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
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|
Web |
|
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This is a collections attempt for a $ XXXX balance with XXXX XXXX XXXX XXXX XXXX . The balance was paid on XXXX XXXX, 2016 to the doctor 's office directly for the full balance. I received phone calls between then and XXXX XXXX, 2016. I called in and informed the company that the debt had been paid. I asked them per the Fair Debt Collections Practices Act, to cease further communications on the debt. I continued to receive phone calls and then received a letter today on XXXX XXXX, 2016 about the debt. I called in and spoke with a collections supervisor, XXXX XXXX, about the continued collection attempts after my cease and desist. I informed her that if there were any additional collection efforts on this bill, I would be consulting with an attorney.
I appreciate collections efforts within the scope of the law, however, collecting on a debt that has already been paid is illegal.
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I am currently rewriting my complaint with TRANSWORLD SYSTEM INC concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. TRANSWORLD SYSTEM INC claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
|
| 12/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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The debt is not from the original creditor as I got a letter showing another company paid for a debt they claim belongs to me again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The debt originator does not have the original or signatures from me, They did not provide me with who was spoken to and when was this debt assigned to collect. They are not giving me any evidence to show clear ownership of the account.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please have them provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
|
| 01/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear TRANSWORLD SYSTEMS I have no idea who, where, and what is XXXX XXXX XXXX, please I have never had any service by such company. I'll need to be resolved or we can take care of that with our court system. I don't know that company, I have never been to any business named XXXX XXXX XXXX. You are attempting to collect a debt that's false, and that is illegal to have it on my credit reports. I'll send this to XXXX to make sure to run an investigation on your cases because I looked Transworld on XXXX also it says you guys only purchase debts that are not true, inaccurate, false, and paid. Please I'll ask you to do a real favor, destroying my reputation is crime when you do it with a debt that I don't know of. Thank You!!!
{ { { { { Opened : XX/XX/2016 ( 1 yr, 11 mos ) Account status : Open Amount : {$860.00} Amount : {$68.00} Original Creditor Name : XXXX XXXX XXXX } } } } } } }
|
| 02/07/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am a NJ XXXX account holder. Account # : XXXX My vehicle license plate number is : XXXX My account is current, and is enrolled in auto pay. For some reason my tag is not being read in NY, and I've accumulated 32 toll violations.
I have no idea why my tag is not being read and why I keep getting violated and not recognized under NY XXXX tolls as a NJ XXXX client.
Please refer all the outstanding tolls ( and subtract the violation amounts ) directly to my NJ XXXX account.
I see no reason why I should be forced to having to pay toll violation fees in addition to actual toll value, as I am an XXXX account holder. If NY and NJ uses different XXXX facilities, they should be labeled accordingly and not be held under the same umbrella.
Otherwise, I will be referring these toll violating methods to the Attorney General Office in each respective states, for predatory practices.
|
| 10/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt.
I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report.
I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's action have damaged my credit rating and hindered my access to credit.
The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent.
The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.
|
| 01/07/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I defaulted on my student loan and completed the loan rehabilitation process. On XX/XX/XXXX I logged into my account to see if there was a statement so I can start paying off the loan. I realized it said that the whole loan amount was due. I immediately called UAS and was told that they would reach out to a representative to inquire about a payment plan and to call back in a week if I havent received anything. I didnt hear back so I called back on XX/XX/XXXX to follow up and I was told that the representative still hadnt gotten back to them. I stated that I want to be on a payment plant because I do not want to default again. I was told that the only way to get on a payment plan was to fill out a financial hardship form which I submitted today XX/XX/XXXX, however my account is showing late charges and I have tried calling and am just on hold and am unable to speak with anyone.
|
| 10/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is currently a debt collection placed on my credit bureau from Transworld system Inc. They claim that I owe {$7100.00} to XXXX XXXX. I claim that this indebtedness started from an apartment building I owned over 10-years ago. XXXX XXXX was given instructions to turn off all utilities after I closed up the building. XXXX XXXX is posting a collection from over 10-years ago, and XXXX XXXX has gone past the legal timeline where they could file a lawsuit against me personally. Since I now live in the state of Tennessee, that is beyond any common sense scenario. Accordingly, I demand copies of all invoices pertaining to the attached XXXX XXXX account ( s ), and I will prove that XXXX XXXX has passed its legal collection timeline, and Transworld System Inc. no longer has right to report this collection on any credit bureau. My address is attached to mail my requested invoices.
|
| 06/24/2017 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
I attended XXXX College XXXX XXXX campus from XX/XX/XXXX-XX/XX/XXXX. The school had me take out a XXXX Loan. When the campus closed i was still paying on my XXXX loan, when XXXX closed down they changed to another company that i cant remember the name of and then changed again to XXXX XXXX XXXX ( XXXX ). My XXXX Loan was approximately {$4900.00}. Currently through XXXX i owe {$4300.00}. I tried explaining to XXXX that a school FORCED me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do deferments so i was going to have to find a way to pay for the loan. I currently get 3-4 calls per day from this company. Being someone who was fresh out of highschool i wasnt really given a rundown of why i had to pull out this loan and not knowing any better to ask i just signed it.
|
| 09/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know.
XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment.
This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently became aware of an eviction on my consumer report, which is the result of fraudulent activity. I have never been involved in any eviction proceedings, nor have I ever lived at this address. I have supporting documentation from relevant authorities that prove the discrepancy is in the process of being removed, which I can provide at your request. I want to clarify that this is an isolated incident and does not reflect my character or financial responsibility. The issue is currently being rectified, and I have taken all necessary steps to ensure its resolution. I am a victim of identity theft or fraud and have taken appropriate actions by reporting the incident to the authorities and providing supporting documentation. I kindly request your intervention in removing this fraudulent record. Your understanding and assistance in this matter would be greatly appreciated.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
Furthermore, Transworld Systems, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
|
| 12/10/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello, I had taken this loan in 2006. I was in dire straights to pay for college and took out this private loan. I initially borrowed {$5000.00} and besides the breaks from finishing my degrees and getting my XXXX, I have made timely payments. To date I have paid a total of {$9500.00} towards this loan and today I have a balance of {$4700.00}.
I have reached out to the lender to discuss a settlement offer, which they denied. I believe there is some unfair interest practice associated with this Lender. The initial loan was borrowed from XXXX and now it is managed by XXXX.
Please tell me there is something that can be done. I am very responsible with my debt and to date have paid off 2 student loans with 1 more to pay off by the end of the year. I also have Federal loan debt which is a burden all in itself.
Any assistance that can be offered would be greatly appreciated.
|
| 08/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I contacted Transword Systems Inc. To set up a payment plan too pay off a {$5100.00} debt for the XXXX XXXX XXXX XXXX . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the XXXX XXXX XXXX . So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated.
Thank you
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have called numerous times ( sorry I dont have exact dates ) and have been hung up on many times when the collection agents didnt want to answer pertinent questions : like asking for the telephone number of the original creditor. Also I filed a dispute with the credit reporting agencies twice and got nowhere, even though its clearly obvious Im not the correct personI even explained to both the credit reporting agencies and the debt collector that there are three people in the United States with the exact same name as me, but we are all different ages and live in different parts of the country. I used to work in a debt recovery office and I know how many of these companies operate. So I am pretty certain that the collection agency sent letters to the credit reporting agencies accusing all three of us of the same debt to try and get lucky ' one of us was the correct person.
|
| 12/08/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Transworld union called a Client of mine. They were representing the XXXX fire department and referenced my clients office address which did not make since. See message below : We received a call on our Main Line looking for you, it was someone representing the City of XXXX XXXX and they are trying to set up a Fire and Health Inspection ... she did n't have/was n't willing to give me much more detail.. and when i asked what property she was referring to, she said / Street, so I was all sorts of confused given that is our office, and not in XXXX XXXX XXXX County .
Would you mind calling them back? She did say she had left you a message on your cell ... Number below.
Thank you!
XXXX This is the same number that calls my work line and saying : this is XXXX XXXX with Transworld union please call me using the reference number This was embarrassing in all shapes and forms.
|
| 10/19/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
My wife and I got all our information stolen. Someone opened a loan with this company called XXXX/UAS. I found out I was victim of a fraud months later where even my bank account was stolen. I filed a bunch of paperwork with this company including a police report and a fraud claim and they last almost a year without giving me a response. I sent a lot of emails in a frequent basis and call them at least three times a week. I explained them that I never head about either XXXX or UAS before checking my credit report. The companies have done nothing and they keep telling me that they spoke with someone in the email address XXXX which is not an email on use by me. I asked them to send me the contract or some kind of promissory note and until this date nothing. I being fighting with this company for over a year.
My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX
|
| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to there website, although I knew this was a predatorial collection agency trying to collect on old debt over 7 years ago.
I just have to pay them off to keep them from messing up my credit.
I compensated TSI for the old debt originally under XXXX.
I paid {$350.00} TSI for the debt on XX/XX/2020.
The account number is XXXX and I was given a confirmation number : XXXX after payment in full.
I was told the account will update the payment in 48 hours.
I seen know change and I can't get back into the account I paid them with.
I have all emails, snapshot and statement of payment with TSI for {$350.00} I'm concerned about the account not honoring and indicating the {$350.00} payment.
I experienced problems with logging into the website today to see if there was a change.
If I honored the debt by paying in full, then hadn't this company indicated it yet?
|
| 01/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Transworld is reporting medical records to credit bureaus ( XXXX XXXX XXXX ) I found out onXXXX20 that the accounts have not been in there office for a couple of months but they are still reporting them to the credit bureaus as of the have them. I called and ask them to be removed from all of 3 credit bureaus they told me that they couldnt unless the original creditor ask them to but they down have the collection in there office any more. I asked why are they reporting the collections to the credit bureaus if they no longer have the debt they informed me its because the original creditor has to tell them to stop. I told them under the fcra guidelines they are reporting false misrepresentation under 15 USC Section 1692E. I called the credit bureaus to have them pull it off my credit reports because thats misinformation they told me they cant ... .. when I know they can.
|
| 11/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/19 disputed Transworld System Acct # XXXX for the XXXX XXXX. I paid money to them when and I had insurance. I was told to pay an amount before I even had XXXX and Ive never received anything else from them. Ive attempted several times to get a copy of the invoice from transworld they told me that the collector that sold the account to them. Didnt provide them with one and they would have to get it or I could call. I did that and nothing. Ive never seen an invoice in the amount of {$250.00}. And of the account was sold to the collection agency why dont they have one? I dont know how they have provided any proof when I havent received anything as of yet and its damaging my credit. I feel that it should be removed since they can not provide the information. Ive been getting the run round for over a year. I dont feel I should have to pay something that I never received.
|
| 05/07/2018 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
These accounts from " Transworld Systems '' showed up on my credit report in XX/XX/XXXX as delinquent although I was never contacted by them in any way. Initially, I thought identity was stolen, but apparently this is an attempt to collect on loans from XX/XX/XXXX that I thought were forgiven due to the fact that I am permanently XXXX and on Social Security XXXX due to severe XXXX XXXX & XXXX. I don't understand why Transworld Systems is now, out of nowhere, reporting that I am delinquent on this debt. Moreover, the information they are giving the credit agencies is very misleading because it is showing that the account was opened XX/XX/XXXX. I never opened an account with them, and for them to report this as late without ever notifying me that I owed anything is very unfair. I've called numerous times but the line is ALWAYS busy. I'm not sure, but this seems like a scam.
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never gave written consent for any debt collector to report on my consumer report. Congress never defines credit report yet Im being denied my credit because of a credit report number. Let me correct that. Title 15 U.S.C. 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.Title 15 1691 Scope of Prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The consumer has an open ended credit plan but due to information on my consumer report that I never gave consent to report it seems my credit is blocked. They have been misleading the public by calling themselves bureaus when they are nothing more than agencies.
|
| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report and Affidavit to this new complaint. I have attached everything that this company needs to do it's investigation. THE ORIGINAL CREDITOR XXXX XXXX IS NO LONGER IN BUSINESS. THE OFFICE IS permanently CLOSED THEREFORE THIS DEBT COLLECTOR Transworld Systems Inc. IS operating ILLEGALLY on there behalf. THEY HAVE NOT REACHED OUT TO THE ORIGINAL creditor to resolve this matter because they are no longer in business.
|
| 07/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I sent a certified letter to Transworld Systems, as they were reporting a debt on my credit file, disputing this account and asking for proper detailed validation of this debt. I received no response, and my credit file was not updated as disputed as required by federal laws. Since, no action was taken on behalf of Transworld Systems, I sent another certified letter again demanding proper validation. To date, I have yet to receive any response from Transworld Systems. This company 's lack of care to follow both federal credit reporting laws and federal debt collecting laws is harming my credit file. I never received any initial notification of the debt so that I hade a proper chance to dispute or resolve this debt before it was reported on my credit file. To date I have no knowledge what this debt is, as I have never done business with Transworld Systems.
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX I rented a car from the XXXX at the XXXX XXXX , IA airport. I signed for all of the collision damage, personal effects, supplemental liability insurance. That night while parked the car was side-swiped with some paint damage. When I took it back to XXXX , they saw on my receipt that I had the insurance and waived me along. Months later I started receiving calls about collecting a debt for that. I faxed the receipt that showed my signature in the insurance box and thought that was done. Now, just within the last few months I have been receiving calls and letters from the TSI d ebt collection agency demanding XXXX . I have kept the XXXX receipt all these years, thank goodness, and sent images via email to them . Thusfar I hav e not heard a response. I am very upset about this situation and would like to know what I can do. Thank you. XXXX XXXX
|
| 06/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have received written correspondence regarding an alleged bill from XXXX XXXX XXXX via the debt collector Transworld Systems Inc. I have reached out to all of my medical providers regarding outstanding debt and have none on my record. I have not had any affect to my credit score as of yet, however I am concerned how this may potentially affect my credit, as my bill went from {$80.00} to {$300.00} in XXXX weeks. I have received XXXX letters in the mail with exorbitant interest rates on a bill that can not be traced back to any actual physician 's office. The bill in the mail looks legitimate, however when I tried to look up both companies online, I couldn't find any websites to support the legitimacy of these companies. The bills give me a space at the bottom to give credit card information and says if I just pay my bill, they will stop sending me letters in the mail.
|
| 06/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
I filed my income taxes for the year XXXX and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names XXXX. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.
|
| 12/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
We had problems with an upstairs neighbor in an apartment complex in XXXX, CA
who was an undesirable XXXX XXXX and stayed up all night with visitors. We tried to communicate with management and were assured he was an upstanding tenant. We knew otherwise, felt unsafe, and as older tenants, needed to move. Management said we could not. Met with 2 separate lawyers who said, MOVE. We moved out after giving notice, and did not receive our security deposit nor pet deposit back. They took us to collection. We are not responsible for living in a unit where we were unsafe. Continue to get notices in the mail phone calls from TransWorld Collections, XXXX and the
alleged debt was put on our credit files. Filed disputes with all credit reporting agencies.
My husband is XXXX XXXX and I would like this to stop, and sue the companies that continually harass us. PLEASE HELP!
|
| 09/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/XXXX I reached out to Transworld to inform them that the account that they are reporting under my social is a result of identity theft. Transworld informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days.
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
|
| 02/05/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
TSI has failed to communicate with me the balance of the account, what fees I am being charged and why. I have sent letters, contacted people ( specifically XXXX XXXX, because she deals with people once they complain ), I have been told that the information I have asked for has been sent to me ; however, even with the correct address the information fails to reach me. This is a shady company that is not verifying why they are taking what money for. In the last CFPB complaint I filed they did post a payment and charge statement ; however this never disclosed the balance, what fees were being charged. They are only allowed to charge XXXX % as I have been told by TSI employees and XXXX employees. This company says they can change what is allowable by the credit agreement, but failed to send me a copy of the credit agreement, as well as the agreement between them and XXXX.
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
|
| 01/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been repeatedly contacted by Transworld Systems regarding a debt owed for XXXX XXXX XXXX. When I asked them to send me something in the mail they said they did previously. When I said I did not receive it they gave a very old address that my doctor 's office would not have had. When I asked them to stop contacting me and told them I would only communicate through written correspondence, they began contacting my mother and wife.
When I contacted XXXX XXXX XXXX they said that all medical payments were made previously and there is a {$0.00} balance on my account. They also said they did not send anything to a collection agency and they are not associated with them.
Transworld is attempting to collect a debt that is not mine and threatening to report me to credit agencies. I have sent Transworld a letter today disputing this debt and asking them to verify it.
|
| 03/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a call from XXXX. The caller claimed to be a collections agent from Transworld System. The caller said they were collecting a debt from an address in XXXX Az, XXXX XXXX XXXX XXXX XXXX XXXX. The debt was from unpaid amount total a little over {$100.00}. The caller who said his name was XXXX and that Transworld was the collections agency for Arizona Public Service. He was calling about an outstanding debt stemming from XX/XX/2020.
He asked if he had called ( my name ). I responded yes, for it is my name. At the conclusion of the conversation I hung up the phone with XXXX, and called XXXX. There was indeed a person with the same name, spelled slightly differently, living at that address, but the person 's information did not match my own. It is a common middle eastern name. That individual had verified themselves via passport. I have never lived in XXXX Az.
|
| 09/27/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
On XX/XX/2018 letter from Transworld System. Informing me I owe XXXX.
This is 3rd letter from a third party collection on XXXX account. I have written to Attorney General & FCRA on this same XXXX account. I have copies.
I would like notify Tranwworld System this account should be handled with XXXX only.
I always informed XXXX that we could go to court on this unjust issue. Now I realized that I will have the lawyer mail Intend to sue letter. Senior Abuse I am a XXXX XXXX XXXX XXXX survivor trying my best to take care of mother with XXXX.
I am on Social Security can be verified. I do not need anyone to mess up my credit report with unjust claim of me owing something. All other collection company gave them file back.
I do not truly believe Transworld is aware of this situation!
So I am being hope that you will do the right thing.
Thanks hope hear from you soon.
|
| 11/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Upon the termination of my XXXX enlistment on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. TransWorld Systems or TSI, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report.
Thank you
|
| 04/16/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I went to XXXX in the year of XXXX. XXXX was scamming and stealing money, and also charging students for meals, transportation, and room and board. When I was staying in my own home, had my own car, and brought my own food to school. I have paperwork to prove so. The school made me take out loans called XXXX. All of the XXXX students in my class XXXX loans were forgiven, however XXXX sold my loans to a company called ( UAS ) University Accounting Service , LLC . and I have been going round and round with these people for 1 year and a half on these loans, and they wo n't forgive my loans like they did the other XXXX students from my class. I have asked them why, one time they tell me because they had different loans, I know better than that because the nurses have showed me their paperwork, and we had the same loans, same program, and was in classes at the same time.
|
| 03/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I've been aggressively contacted by XXXX XXXXXXXX insisting that I make payments to them for my Student Loans. I have advised that my loans were all Federal.
They explained that they are requesting payments for my XXXX XXXX and that the original Servicer was my school, XXXX University. I never applied for direct loans with XXXX. XXXX 's XXXX XXXX team advised that I only had XXXX XXXX as my loan servicer.
Most recently, I received an alarming letter stating that XXXX has " Accelerated '' my account and that the full {$17000.00} is due. It also notes that they are planning to send my account to collections to garnish my wages.
I have already applied for the Borrowers Defense case against them, I would assume they should be able to collect anything while pending investigation and with the current Act in place. My case number from the Borrowers Defense case is XXXX
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
My electric service provider was XXXX XXXX for 25 years. Moved in XXXX, so closed my XXXX account in XX/XX/XXXX. XXXX would not allow me access to pay online, since my account was closed. Even though had been making online payments each month. XXXX advised me to go to an authorized payment center, and they only accept cash. Never used a payment center before. Went with cash and copy of my bill from XXXX, paid cash and got receipt.
XX/XX/XXXX - 14 years later ... received letter from collection agency regarding the last payment to XXXX. Did chat sessions, to resolve, with XXXX today, and was told that my payment was applied to wrong account. How does the individual customer have control over what account they post payment too? All customer support at XXXX said was that this debt was sold, and I would have to talk to the " owners '' which is a collection agency.
|
| 03/28/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.
|
| 05/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a formal complaint that TRANSWORLD SYSTEMS INC are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
|
| 08/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
Older American |
|
I called the company on XX/XX/XXXX after seeing them report deroggatory on my credit report to see who they were and why were they reporting {$25.00}. the representative told me that the company had contacted me. When I questioned him as to when and who did I talk to his resonsed ; that we called you but company policy prevents us from leaving a message. If you call a person and do not let them know you are calling that is not a contact. Since that conversation Trans world Sys Inc /XXXX - ( XXXX ) XXXX has once again reported to the credit bureaus numerous in the Month of XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I am not clear as to what this company is doing and hope that consumers can be protected from them. Additionally, I did not receive any correspondence from this alleged debtor.
Can anyone just drive your FICO down on a wim? Is there any request through anyone
|
| 09/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
on XXXX/XXXX/2014 i was traveling from XXXX to XXXX. l dont use XXXX and paid all toll by cash.
that day about XXXX a couple of car approached to cash toll for paying toll fee, but no one there for collecting money. ( no one all cash boots ) about 5 minutes all cars ( about XXXX cars ) waited to pay but no one showed up for collecting toll money.
we went next cash toll boot and told her no one was there and we could not pay by cash.
she said fine and she collected {$8.00} and she gave me the attached receipt.
about 10 days later l received a letter about toll violation letter and l called XXXX Department of Transportation and told them what was happened. and sent letter with the receipt. back and forth finaly they gave me a collection agency and reported credits B.
I would like to solve this problem and not blamed on it because i did pay and did n't do wrong.
|
| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments AFFECTED BY NATURAL DISASTER i have been in contact with the people who have this debt thats somehow owed to me the company as stated isnt on this earth they got bought out by another company that has my name but no money is owed to them as stated in the comments of the debt i was a victim of natural disaters at the time i was quoted that i could leave with no repercussions of leaving just for them to be able to put this on my account i have been trying to get rid of this cause its not supposed to be there to begin with but the company refuses to work with me and decdies to dispute it but havent contacted me to give me any information as well i disputed this with XXXX and them too has came back and told me i would need to pay which shouldnt be the case
|
| 04/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have a Perkins loan with UAS Connect which I am currently paying. I have a late payment report for the month of XX/XX/2020 on my report which is not supposed to be there. There was computer glitch on the web of UAS on the XXXX which made it a problem submitting payment. I didn't have the chance to try again on the XXXX due to the nature of my job. I am a XXXX XXXX XXXX in one of the hardest hit XXXX in pandemic crisis. I basically could not go home but been sleeping in XXXX arranged accommodation to protect my family because I am an exposed person to this virus due to my work environment.
I did not think it is fair, rational or empathetic for UAS to be reporting late payment at this crucial time. I want the late payment to be reversed since the required payment has been made.
I am not asking for too much, I am giving my best in this fight against covid-19
|
| 11/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
For month 's I was back and forth between XXXX XXXX XXXX XXXX, and Medicare. At one point during the dispute the Medicare Representative asked for XXXX XXXX XXXX to call them. They refused, I was stunned, and here we are.
I went to buy a car and found that my credit score had PLUNGED BY XXXX points. I paid for a copy of my XXXX-bureau credit report, and found that " while we trying to sort things out '', the XXXX XXXX XXXX was putting negative remarks on my credit report, AND sent my account out for collection.
I was provided no notice from them, or the collection agency. The items were just embarrassingly there - in my credit reports when I was at the car dealership.
The last Medicare Representative I spoke to said the XXXX Hospitalists were in violation of their contract with Medicare, and they ( Medicare ) would escalate my claim.
I am still waiting.
|
| 03/07/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from 07 NATIONAL COLLEGIATE TRUST. These loans are past the statute of limitations in Florida as they are more than six years old.
Furthermore, I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and NATIONAL COLLEGIATE TRUST was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation.
Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt.
These actions also violate the consent order by the CFPB and 7 NATIONAL COLLEGIATE TRUST case Case XXXX
|
| 12/23/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Initially I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. When I saw the email that she sent I called her, she explained that her call was because I was late with my payment. I asked her to give me a little more time because I was certain that I had made a payment sometime ago because the loan didn't actually mature until this year. I then emailed her and told her that I needed to know how much I was responsible for and when was the due date of the loan on going, as I never received any information. She gave me website address for University account services LLC a company that deals with their loan collection. We never received the terms of the loan the due date and now they are expecting to not mention that I paid {$250.00} on the account two years ago. I think that their business practices are not very good for communication and sketchy at best.
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXX car sales took a loan out for a car purchase. I DIDN'T KNOW THAT I GOT A LOAN FOR THE CAR! NEVER GOT A CAR EITHER!
XXXX then proceeded to accuse me off damages from a rental car I rented on a different occasion. This was all turned to the credit bureaus effecting my credit score. Also I got turned over to collections to add to it. I am owed for refunds that the damage recovery unit is not working on. XXXX from renting any longer ......
Credit is not good I CANT GET A CAR STILL A YEAR AND A HALF LATER. I AM DEMANDING THESE COMPANIES TO HAND OVER COMPINSATION!! I have no idea to do about my son and I getting a house. Not sure what to do about us another car!!! Please help me and my son back to the life of " normalcy ''. I don't have credit worth amounting to dirt.
XXXX XXXX XXXXs continuing to do a loan appiin my name because I get denied letters often.
|
| 07/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX.
On average we get 1-3 calls a week.
We owe no debts other than loans through XXXX XXXX XXXX XXXX.
|
| 07/18/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I am already being garnished in my wages at 15 %. I am repeatedly hounded by phone to make rehabilitation, which I have agreed to twice. Both times, they say they ca n't collect from my bank even though the funds were available in my account. This collection agency is consistently harassing me, although I 'm already being garnished. I have tried repeatedly to follow their measures, to make rehabilitation. On XXXX / XXXX /2017, I agreed to make payments for loan rehabilitation in the amount of {$38.00} each month, drafted from my bank account. One payment was drafted and then never again. I called to ask why and when the payment would occur, and the collection agency was elusive and belligerent. This has happened twice. I have signed up for rehabilitation and they draft my payment for the first month, but then never again, blame it on me. and keep collecting.
|
| 06/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
In XXXX I was shopping wh en my XXXX XXXX debit card was declined. I reviewed my account on line and identified several transactions which were not mine. I notified XXXX XXXX i mmediately, the card was cancelled ( and a new card issued ) and I was assured I would not be liable for the charges put through. XXXX of the charges were associated with XXXX transactions. I do not have ( nor ever had ) a XXXX account. Today ( XXXX / XXXX / 17 ) I received a debt collection notice fro m Transworld Systems , Inc. I hav e never received a bill or any prior notice. Demanding payment for the XXXX individual charges of {$13.00} each plus fees for a total of {$44.00}. I dispute this debt. I did not use XXXX , have never had a XXXX account and am unwilling to pay for charges generated by a criminal who obviously hacked my card.
|
| 10/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have received phone calls from a person who would not identify themselves saying they were with a company called Trans World Systems. All they would disclose was that this was about a personal business matter. I asked them three times what it was in reference to and they said they would disclose that later on. I responded if you do not disclose what this is about then I will hang up, they would not so I hung up. The phone calls came on XXXX/XXXX/2015 at XXXX two days after I had XXXX which impeded my recovery. The other call came on XXXX/XXXX/2015 at XXXX. This company has an address of XXXX XXXX XXXX in XXXX, TX XXXX. The number that they call from is XXXX is not even a registered number. The XXXX that is given to them XXXX is registered to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The other number XXXX is actually registered to the company.
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
|
| 05/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
In regards to complaint number, XXXX, Transworld Systems provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt.
The company did not provide a response to this specific complaint. I will be in communication with XXXX to question their business with federal contracts in regards to XXXX. This needs to be made public and hopefully XXXX will cancel their contract with XXXX.
Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize.
Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.
|
| 11/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I disputed this collection with Transworld Systems Inc and sent them a copy of the police report I filed with my local department and an identity theft report. Despite doing so, Transworld Systems Inc refuses to remove this collection from my credit reports. From what I've learned, it is a violation of the FCRA for Transworld to keep this fraudulent account on my credit reports after I've notified them that it is identity theft and sent an identity theft report and a police report. They are well beyond the 4 business days allotted by the FCRA as I notified them via phone, fax and email as of XX/XX/2022. They are damaging my personal credit, my reputation & denying me access to any new credit by reporting this fraudulent information on my credit reports. I have again attached the identity theft report and the police report for identity theft for this account.
|
| 02/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
I went to hospital on XX/XX/2017 and Never got treatment or advice and not even seen Doctor. I called Hospital and billing dept says we don't know about this bill for XXXX and told me I bill $ XXXX.I received letter from collection agency that I owed to hospital bill for doctor {$1000.00} I disputed to and spoke to XXXX and she did dispute as I told her.
I called couple of months to collection agency the gentle men was very rude and he disrespect me.
I dont know how the hospital or the collection agency charge me {$1000.00}.
with out seeing doctor How they charge me doctor bill this looks fraud.
No treatment not even any advice from hospital.
Please solve my problem the collection agency reported to credit beauro and because of this fraud my credit score went down and showing negative on my credit report.
Please solve my problem I will be appreciate.
|
| 09/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They contacted me by phone numerous times and hung up on me without speaking to me. When I finally spoke to someone they directed me to a website that was different form the public website to see the debt. When I said I would not. I would only go to a site I could go to via web search. I found the company site. I found the payment portal and input the registration numbers they gave me and received an error message with 5 attempts same message. I requested a statement in writing. They refused saying they could not send me a statement in writing. The caller had no way for me to validate them independently. This company is creating security risk for consumers. This all occurred during the month of XX/XX/. I attached screen shots of the error message, the public site I visited, and the site from the e-mail XXXX sent to spam and the caller insisted I should use.
|
| 09/23/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
-My student loans were in forbearance with UASConnect until XX/XX/XXXX.
-Initial payment selecting their " Pay the total amount due '' option was made on XX/XX/XXXX.
-A payment was made for the loans due XX/XX/XXXX on XX/XX/XXXX which was returned.
-A subsequent payment, again selecting the " Pay the total amount due '' option was made on XX/XX/XXXX.
The next payment, again selecting the pay the total amount due option was made on XX/XX/XXXX.
UAS reported one of my loans as past due for over 30 days, even though this loan was paid each month in full on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX respectively.
In the attached documentation I have provided an example of this, where full payment was made on XX/XX/XXXX yet their website still reports {$5.00} being due. No matter how many times the {$5.00} is paid, the " amount due '' remains.
|
| 04/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
In response to the letter, your company sent a pile of statement received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my consumer report as " charge off ''. It means the creditor will no longer attempt to collect this alleged debt owned by them. Therefore, pursuant to my rights, I approached the creditor and asked the following questions. 1. Have they sold this alleged debt? 2. To whom is the alleged debt sold to? 3. Are they still in the process of collecting the debt? Through the response received from the creditor, I would like to inform Transworld Systems Inc. has violated 15USC 1692j ( a ) because Transworld Systems , Inc. furnished a deceptive form to create a false belief in me as a consumer that the " creditor '' was attempting to collect the debt but in reality, it was not true.
|
| 05/29/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
After thoroughly looking through the OPENING loan disclosure documents provided to me XX/XX/XXXX, the FAQs on the loan servicer 's website, and TILA, I have discovered that I am still missing the APPROVAL and FINAL disclosure documents required to be given to the consumer in accordance to 12 CFR 1026.47. These THREE documents are still not accessible. As I was not provided with my FINAL disclosure, I was not given my payment schedule, ultimately allowing the servicer to pick and choose my billing cycle and payment date, which violates 12 CFR 1026.47 ( b ) and 12 CFR 1026.47 ( c ). Since XX/XX/XXXX, my payment date and billing cycle have changed at least one time. As the due date has apparently changed, I have no way to verify what the actual due date should be and I am still not receiving the statements in a timely manner so I can make the payments on time.
|
| 10/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XXXX XXXX 2017, I revieved a call from an unfamilliar local Area Code & therefore did n't answer. After XXXX the phone # to no avail, I XXXX & called it back & found out it was ( also ) Transworld Systems Inc . They had already called before on ( XXXX ) XXXX so was this a tactic of Deception by the appearance of calling from a local #, just to catch the person off guard & get them to answer?? I did some research & found out that Transworld has NO Missouri offices & also that this is a Landline based in XXXX XXXX ( city ) MO ( just like I am ) & the # is provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ). Is this a normal practice for any kind of reputable business?? Transworld Systems has already been in big trouble with the FTC assessing record fines. Apparantly they were not enough to make the company conduct an ethical & fair business.
|
| 02/23/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
Servicemember |
|
Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I lived at XXXX XXXX and was forced to open utility services prior to my move in. When I moved out in XXXX of XXXX, the apartments allowed new tenant to move in without utilities being set up or verified, and the new tenant charged their electricity services to my account until XX/XX/XXXX when I realized I was being charged {$500.00} per month for their usage. The apartments never had the new tenant pay for the amount due from them, or verify with XXXX that I moved out. I did Disconnect services when I moved out because I had to change my move out date once. There is now a {$420.00} collection reported to my credit report, even after I verified I didnt live there. Ive never been reimbursed for the charges made in the first place, and now XXXX is even attempting to collect a debt I was never responsible for and this was verified via phone call with XXXX.
|
| 10/25/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in 2004 and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.
|
| 06/15/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been paying monthly installments to a debt that I had let go to collections. For the past year and a half I have been paying {$300.00} to TransWorld Systems Incorporated to pay off a debt of ~ {$16000.00}. I set up automatic withdrawals with TSI and I had received monthly invoices giving me notice of adjusted balance. This month ( XXXX , 2017 ) I looked at my credit report and it noted that specific debt had been closed out ( a total of ~ {$12000.00} at this point ). I also noted that I had not received notice of automatic withdrawal. The regular amount of {$300.00} was still withdrawn from my account. I want to inquire as to why I am still having money removed from my account when the debt has been closed on my credit reports, and I want to inquire if it is reasonable that I have not received notice of the most recent automatic withdraw?
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX is seeing an account being reported exclusively with his XXXX XXXX profile asserted through a debt collection agency Transworld Systems . The account is allegedly consistent with a XXXXXXXX electrical utility relatioship the debt collection agency Transworld Systems is purporting is verifiable debt. XXXX XXXX has an active account with XXXX for electrical utility service, and the balance is at a XXXX amount. This is a fraudulent assertion and the remarks are inaccurate. XXXX XXXX contacted the debt collection agency and was provided an affadavit and a point of contact for return and review consistent with this alleged debt owed by and through a relationship with XXXX for utility service, despite reporting the account as fraud and maintaining a current electrical relationship with XXXX XXXX where as of today the balance is at a XXXX amount.
|
| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I created a XXXX complaint on XX/XX/21 for Transworld System Inc. I got a response on XX/XX/21 with a receipt. I rejected their response on XX/XX/21 because they can not provide the original contract with my signature to validate this is my account. They never responded.
I filed a dispute with XXXX & XXXX on XX/XX/21, the results came back XX/XX/21 saying that this account was validated. I still have not received the documents that I have requested numerous times ( original paperwork w/ my signature ). I paid for the debt before I knew my rights ( FCRA XXXX & before I knew this could be falsely reported on my credit report.
I just want TSI to validate this is my account. If they can't provide the specific documents I am requesting, I want it removed from my credit report. This is illegal to report or collect on an account that they can not validate.
|
| 05/25/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
RECEIPT OF UNREQUESTED XXXX XXXX XXXX VALIDATION LETTER AFTER STATUTE OF LIMITATIONS EXPIRY On XX/XX/XXXX, I received a telephone call from Transworld Systems Inc representing XXXX XXXX XXXX XXXX XXXX ). The collection agent told me that I owed money for a private college student loan. I stated that I knew nothing of this debt, and that I had never received a private student loan in college, the conversation ended shortly after that. At no time during the conversation did I request a validation of the debt.
On XX/XX/XXXX, I received a 46-page debt validation letter that I did not request for a loan that is 7 years past the statute of limitations.
Upon reviewing the document sent to me it showed that the loan defaulted on XX/XX/XXXX, and according to the Washington attorney generals office the statute of limitations has expired for this type of debt.
|
| 01/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you TRANSWORLD/ SYSTEM INC. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( TRANSWORLD/SYS INC . Please validate that this debt belongs to me and please also show me the original contract.
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a letter from " Transworld Systems Inc. '' dated XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX has placed you account ( s ) with this office for collection ''.
The original toll fee is {$8.00} and the additional ( late ) FEE is {$100.00} for a total of {$100.00}. Let it be known that I will gladly pay the {$8.00}.
It has taken me 2 weeks to respond to this notice because since the date of violation, XX/XX/XXXX, I have moved from XXXX XXXX to XXXX and so it has taken 2 weeks for the mail to be forwarded to my new address.
About a month ago I spoke with XXXX XXXX XXXX XXXX re : a similar issue ( if not the same issue ) and I paid my debt and CLOSED MY ACCOUNT since I no longer live in the State of XXXX XXXX.
Now a month later I am receiving a letter from a debt collection agency and I am confused. I want to settle this issue immediately.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : TRANSWORLD SYSTEM INC Account Number : XXXX The account referenced above is fraudulent and does not belong to me ; XXXX XXXX XXXX XXXX The contract that was signed holds the signature of an individual by the name of " XXXX XXXX XXXX XXXX '' Please cite the documentation uploaded to verify this as well as my driver 's license. The signature on the contract and my license do not match. I'm 100 % sure that this was a fraudulent act committed against me. I'd also like to bring to your attention that all the names referencing this account are different across all three reporting agencies along with the payment history. Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
|
| 04/12/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I was provided a private loan through my school. I have been making full payments consistently since my deferment/forbearance period ended ( some time around 2013 ). Eight months ago, I began making higher than the full payment in order to pay down principal faster. I called at the time I began making payments to confirm that the additional payment would be applied to principal. Because the statements I receive by mail do not describe how my payments are applied ( it just states that a payment was received and how much that payment was ), I have just realized that I have been merely paying future interest off rather than paying off my principal. This is predatory lending in my opinion.
I have called the XXXX, but have not received a response to date. I can only imagine how many of my colleagues are still being preyed on by this loan repayment program.
|
| 01/30/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
My complaint is against Transworld Systems Inc. For unfair and deceptive credit collection practices. I paid a collection item for {$100.00} on XX/XX/2017 which I did not know I had until I recently checked my credit report. I still dispute the item, however to close on my mortgage I decided to pay it as long as Transworld would get me a paid receipt. Transworld said at the time they could e-mail me a paid receipt upon my payment. I paid them via my debit card, and as off today they have not delivered me a paid receipt. I believe they tricked me into paying something and did not follow through on their end. Now I may not be able to close on my mortgage. this has caused much more drama than necessary for a small item I dispute. I believe they have a responsibility to do what they say they will do to help the consumer, especially one that is paying them.
|
| 10/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX I looked at my credit report from XXXX, XXXX & XXXX & I noticed two medical collection for XXXX XXXX XXXX being collected by Transworld Systems Inc. One in the amount of {$270.00} & the other of {$420.00}. I do not deny that this debt is mine, but I also do not recall owing anything as well. That same day XXXX I sent a simple debt validation to TSI/ Transworld Inc in order to verify this belongs to me. I also sent a letter on the same date to XXXX, XXXX, XXXX asking them to verify this is truly mine. I patiently waited and after over a month I have not received any response. I sent the same letters again asking for my right to know. At this point it has been well over two months & I have not recived a response from either the collection company Transworld Systems or the credit reporting agencies. I have nowhere to turn with this injustice.
|
| 02/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I receive regular automated start calls from several numbers with representatives stating so quickly where they are from that I ca n't understand them. They ask for " the long name '' on my drivers license which I do n't use any where else or for any credit. I am current on all medical bills and credit cards and have received no late payment notifications but they will not quit calling. When I asked what they were calling in reference to as I had no notification by any creditors, the woman became instantly aggressive and rude. I have blocked these numbers but am sick to death of the contact. While it 's possible that this regards some ancient debt that was settled, I ca n't get information from them without diving into a possible scam and they are calling my work cell over and over. Phone # s include : XXXX, XXXX ( which I do n't get at all ) and XXXX
|
| 08/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I owed money to XXXX for their XXXX XXXX which was paid in full, confirmed by them, during a garnishment in XXXX 2015. I got my mid month pay statement for XXXX 2015 and once again, had a garnishment. I contacted XXXX who advised me to contact TSI. I called XXXX and spoke to XXXX. I told him that XXXX confirmed that the debt did n't exist and he told me that they would not know that information. That the ORIGINAL CREDITOR would not know whether my debt was paid off or not. I was told that the US Treasury would be the only agency that would know and that they would not tell me any information. None of this conversation sounded correct to me. I would like someone to look into this, especially since I am receiving only {$560.00} a month in my pay due to TSI collecting it. I am XXXX military and can not support my family off of this small amount of money.
|
| 09/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, XXXX has sent {$59.00} to a collection agency for services that never occurred.
In XX/XX/2022 I paid XXXX XXXX {$51.00} to send a Priority Overnight envelope approx. XXXX miles. My envelope was lost/missed and never left the local XXXX location. It sat for multiple days. I finally drove over to the local XXXX and retrieved my package. I then made the drive to deliver the package myself.
I made multiple requests to XXXX for a refund in the amount of {$51.00} due to not receiving the service that was paid for and taking the package myself. All requests were denied. I then submitted details and supporting documentation to my bank. After a thorough and months-long investigation, my bank ruled in my favor and reversed this charge. XXXX has now sent {$59.00} to a collection agency for services that never occurred. Can you please assist? Thanks.
|
| 06/06/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
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Web |
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My loans were in school status and had no problems with credit reporting when service updated my credit report as being 180 days pass due which caused a severe drop in my credit score upon correcting this my credit score went up a little bit but not nearly as high as it was prior.
I contacted them and was assured that the credit reporting error would be fixed. While they did fix the issue the score didnt go all the way back up and they did not update their system and nine days later I got a bill says I owed {$880.00} and that my loan was going to go into default.
This is a huge problem for me because I have requested consolidation of my perkins loans in with my other loans and this could halt the process for me, which will cause further harm.
Additional I feel that the school is playing games because I have an open lawsuit pending against them.
|
| 03/22/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
|
I was contacted by XXXX ( XXXX ) that I was delinquent on some payments. I contacted and paid them what they requested. There was an issue with some paperwork or processing and they sent it to collections Transworld Systems Inc. ( TSI ). When TSI notified me that they now held my account I called XXXX to verify. They apologized and said they would take care of it and that my account with them would still be active. To avoid any further problems I paid my account balance off with them. ( {$5000.00} ). I have the email chain from XXXX, have received confirmation that I am in good standing with them. Fast forward three weeks following payment I get a bill from TSI for XXXX. There is a disconnect somewhere, however not between TSI and my credit report. I 've sent them all documents they have asked and they still will not remove me from there collection.
|
| 04/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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UAS is fraudulently collecting interest on Perkins loans by delaying payment due from the legally required repayment start date of 9 months from graduation to 10 months. I paid my daughters Perkins loan off on the date that UAS said payments were due. Her loan was due XX/XX/2022 but UAS said payment wasnt due til XX/XX/XXXX. After paying loan in full on due date XX/XX/XXXX I had a remaining balance due of {XXXX}. I finally got the interest removed. But this company needs to be investigated for illegally deferring payments by one month to help themselves to interest they are not entitled to. How many thousands of borrowers are starting off in the hole before a payment is even required? They are thieves and this is criminal and they need to stop this practice and be held accountable. The US department of Education needs to be made aware of this also.
|
| 09/22/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have received 3 letters via US mail from Transworld Systems Inc. requesting payment of {$60.00}. First statement XX/XX/21, second statement XX/XX/21 ( sorry this was tossed so I don't have exact date ), third statement XX/XX/21.
The debtee listed is my doctor 's office, I called my dr office on XX/XX/21, XX/XX/21 and XX/XX/21 and they have no record of this debt.
I spoke with TSI on XX/XX/21 and they have no record of this debt and said the referenced account number is not theirs.
I filed a complaint with MA Attorney General 's office on XX/XX/21.
I did a reverse lookup of the client phone number listed and this belongs to a MA resident.
Interestingly, the po box listed is in lowercase, which seems unprofessional.
Unfortunately, with the second notice my husband paid the bill, not realizing I was pursuing the legitimacy of the letter.
|
| 10/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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We have a collections on our credit report due to an eviction case that had been dismissed. although the case was dismissed and the attorneys for XXXX XXXX at XXXX ; agreed during mediation not to put anything on our credit reports. However they did and it has been difficult to find housing because of this collections on our credit report, and listed as " XXXX ''. We contacted NCC by email as they are the collection representatives for XXXX XXXX at XXXX. I have enclosed the emails to which I asked for itemized listing of debt, then attempt to settle the debt. I called XXXX XXXX XXXX ( XXXX ) to speak to a representative on XX/XX/XXXX as I was fighting identity theft. I contacted the XXXX office to get proof of residency and to discuss the debt. I left a voice message I never received a call back. enclosed are attachments that will give more detail.
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| 10/30/2015 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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After first reviewing my credit report in XXXX of 2015, I noticed a " delinquent '' statement for TSI/XXXX. I was unsure of what it could be as I was never notified of any past due bills via mail, telephone, courier, etc. I had never known of any past due balances, let alone any past due balances to a company name TSI/XXXX. It was not until I investigated further with a credit report that it was in fact a medical provider " Shadow Emergency Physicians '' that claimed that I had a balance and they sent the balance to Transworld Systems Inc . Neither XXXX or Transworld Systems Inc. have EVER made contact with me or any attempts to collect debt ( to this day, XXXX XXXX, 2015 ). This claim has played an extremely negative effect on my credit score and, as a young adult, I require assistance in disputing and resolving this issue as promptly as possible.
|
| 05/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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I believe XXXX, representing XXXX XXXX XXXX, knowingly pursued a judgement against me that was past the statue of limitations in Colorado. In addition, the proof of service filed with the court was fraudulent and may have been fabricated. They have not provided me proof of service as I have requested twice in writing. There is no judgment or other indication of collection efforts on my credit report as required by the Fair Credit Reporting Act. They refuse to supply me with debt verification, hence I can only conclude that the lawsuit was filed and judgement was obtained illegally. The firm is claiming that I waived the statute of limitations by failing to file an answer prior to judgement. However, due to both their failure to serve me & my ignorance of civil procedure at the time, I did not have the opportunity exercise my right to defend myself.
|
| 06/02/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
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Web |
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Good afternoon Consumer Financial Protection Bureau, I am contacting you because a loan was opened using my wife and I social security and personal information. We got our passports, credit cards, social security cards, and banking information stolen. My wife and I we saw a loan called XXXX that was opened under our name while we were shopping for a car then we decided to contact the company. After months of contacting the company, they decided to send me a bunch of paperwork for a fraud dispute, I completed all the paperwork more than six months ago. I been calling the company for six months and they keep saying " don't worry we going to escalate this issue and get back to you. '' the company has not done anything and they keep negatively reporting on my credit. They stopped answering my emails and they are not interested in solving the problem.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I, never gave any 3rd party any written consent to report anything on my consumer report. No contract is identity theft.
Concerning all accounts as a consumer I am demanding a deletion of these accounts.
Under 15 U.S. Code 1692h. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
|
| 12/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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We contracted a company, XXXX, who was recommended by our insurance company to project manage our insurance claim. The company did not complete any of the work they had agreed to, did not get permits for any of the work before it began. We paid them over {$9000.00} and then started receiving collections notices in XXXX without ever receiving a bill from them and without them completing any work. We now have stop work orders on our home ( we had to hire our own contractors ) and the building inspector may require us to undo some of the work that is compete to ensure that it was done correctly. Today we received notification that a mechanical lean was placed on our house. I do not understand how the company can do these things without services being provided to us. I can not find a phone number to dispute this matter with the dept collection agency.
|
| 07/12/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Well i'am trying to buy a home and all of sudden these people from Transworld Systems Inc. want to put a collection on my credit report XXXX XXXX XXXX ) a very old collection from 2013 or so i believe I never received a notice from them at all. I tried calling several times unable to get a hold of anyone.
Its an old collection, reported as new, as said i called the number on the credit report and it wasnt accurate, found number on the XXXX website, gave last 4 digits of my social, they could not validate the account. i also filled a complaint with XXXX and they were unsuccessful in obtaining a response from the company.
So i'am asking because they could not validate the account is there anyway i can request a deletion. My wife and I are having a very difficult time trying to get this matter resolved. Please any kind of help would be great.
|
| 09/15/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
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Web |
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I went to University of XXXX in XXXX, Texas. I applied for a student loan in XX/XX/XXXX to help with my finances for school. As years past, it was time to repay the loan. I paid a few payments due to my financial situation. Now, in XX/XX/XXXX National Collegiate Student Loan Trust XXXX filed a lawsuit against me and my co signer. The loan over 4 year old and I notice the information on my credit report was reported incorrectly. When my court date came I told the plaintiff about it and the court date was rescheduled. I 've called this company before my court date and no response. I disputed the information and it was deleted and returned to the original creditor. I would normally received a notice prior to the court date but that did not happen. This is a pain. Today, I received a outdated letter stating " Final Judgement in favor of Plaintiff ''.
|
| 05/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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XX/XX/XXXX provided the service of labs that were over priced. I did not know the cost of the labs before they were done, and in XX/XX/XXXX I wrote as requested, and they keep sending me notices. Below is my correspondence : We do not want XXXX or anybody else to contact us on this bill anymore. We did call as stated below We called XXXX wanting to pay A reasonable amount at 100 % of Medicares allowable for the lab procedure at {$23.00} but the operator said they can make no adjustments When we received the request to have a lab procedure we were not presented with the {$93.00} charge so we are overwhelmed by the amount and so we researched and found that this type of surprise billing is something thats not supposed to happen. So we researched and we would like to pay As stated above {$23.00}.
But the operator said they can make no adjustments
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have received numerous calls from this agency on a dialer on the same day. I have the call logs. There are days where I have received 7 calls in one day. They have not sent any correspondence to provide proof of this debt. This is a student loan debt that is already paid. They must provide me with the original promissory note with my signature to prove the debt and they have not done so. When I spoke on the Phone with the last agent he did not properly identified himself his greeting was hello did not say his name or where I was calling. He was rude and hung up the phone on me. When I called back I was hung up again. The company is Transworld systems. I worked for them and I know their script. The first two conversations with a debtor they are encourage to be rude and belligerent so they can be nice and settle the debt on the third phone call.
|
| 12/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.
|
| 10/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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2 medical accounts listed from collection agency : TRANSWORLD SYSTEM, INC ( TSI ) of which I have disputed with XXXX, XXXX AND XXXX and Collection Agent continues to verify without providing any validation or proof of debt. Prior letter ( s ) from TSI represent information that is on TSI letterhead. I have requested, by consumer collection regulations, copies of original invoices from original medical creditors. To date, my requests, for now well over a year, have been ignored. I've requested service dates and any contracts I allegedly signed bearing my signature, agreeing to pay these bogus medical bills. I will attach a letter I wrote to TSI well over a month and all has been ignored by TSI. I'm asking for permanent deletion to both accounts with the file returned to original creditor. The accounts are TSI REFERENCE # XXXX & REFERENCE # XXXX.
|
| 12/04/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX, the loan servicing my Perkin 's Loan, withdrew funds for two accounts from my checking account while my account was in deferment. I called to explain that their mistake is causing me to have a financial hardship, which is contrary to the purpose of deferments, and they stated it would take 45-60 days to return funds to my account. I found that to be completely unreasonable. I requested the assistance of a supervisor who then told me he could get it to accounting but it could take up to 3 weeks, even if it is expedited. I was not happy with that, nor do I find their practice to be feasible given the fact the mistake was on their part. I called a week later and they still have not reviewed my account. I feel someone needs to look into why they are not able to reverse payments when they make a mistake with in the standard 3-5 business days.
|
| 11/13/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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|
Web |
Older American |
|
ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR.
WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T.
I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE.
I BELIEVE THE COMPANY IS CALLED XXXX, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.
|
| 09/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
I had a hospital stay, and even though I have insouciance, bills just poored in. I contacted every one of those companies and made arrangements to get debt paid. Even financed the big bill for {$2400.00} to the hospial that I am paying down.
In XXXX I was contacted by Transworld systems. They were representing XXXX XXXX and stated I owed {$290.00}. I did not remember that group but I said Ok lets make arrangements, {$50.00} every 2 weeks until it is paid down.
I just got a credit report update and this is on my report as delinquent. I let them know I have done exaclty what we agreed on and I would like them to remove as I figured it was an oversight. They stated they can not as it is delinquent. I want it off ASAP.
I am paying the next {$50.00} tomorrow and the last {$50.00} in 2 weeks. I would like this off my report before last payment.
|
| 08/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Hello I 'm writing this complaint for the online school of XXXX University XXXX of XXXX, FL XXXX. I recently filed a complaint with CFPB for the loan servicer of XXXX XXXX while in that time XXXX XXXX wrote back stating that as of XXXX another company will be my new loan servicer and that new loan company is called University XXXX XXXX, XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I mean how could this be if the school I attended turned out to be a fraudulent school the Department of Educations should have stopped this back in the early XXXX 's when they were being investigatored. On the bottom of this it says " Which of these best describe your issue? Getting a loan has it right fraudulent loan but it does n't give me that option. I had to go with Dealing with my lender or servicer and marked Do n't agree with the fees charged.
|
| 07/28/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Transworld System Inc. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Transworld System Inc. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Transworld System Inc. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
|
| 11/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
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Hello I attended XXXX Ca XXXX XXXX in 2011 .... I was convinced into taking out a private loan with XXXX thinking I could use the deferment program for a while until I was able to get back into school again and pursue a higher paying career. I was making deferred payments of {$20.00} a month up until about 4-5 months ago when I recieved a letter stating that XXXX would no longer be handling my loan and that UAS known as University Accounting Service would be taking over my loans and that my payments would now be {$40.00} a month!! I could barely afford the deffered payment of {$20.00} a month already so I called a few times to see what was the increase for but never recieved a response or call back. Do I have any options available since the XXXX act had been passed upon for relief of former and present students with XXXX Private loans active?
|
| 07/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Since XX/XX/XXXX I have been calling Transworld systems Inc to have a debt of {$4300.00} removed from my credit due to an eviction. I have never lived in the apartments that forwarded this debt. Transworld requested documents from the apartment via email and have not received anything. A representative stated in XX/XX/XXXX they reached out to the XXXX landing apartments and have not heard back regarding the requested information. I called again on XX/XX/XXXX, was told the same thing again : we have submitted a request to the company and still waiting for a response. 6 months and this has not been removed or answered. I cant even get a home for my XXXX kids and I because this is on my credit. Please ask them to stop stalling and remove this from my credit since the original owner of the debt has not sent requested documents in over 90 days!!!
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Received a letter dated XX/XX/22 from Transworld Systems Inc. that I owed a debt of {$400.00} to XXXX. I called TSI on XX/XX/22 to inquire what this was for. The representative said it was a customs duty fee that I must pay. I explained to him the situation as I had used XXXX to return a shipment to XXXX, and that shipment was refused and sent directly back to me without my knowledge. The representative immediately was on the offensive, telling me it doesn't matter that I didn't ask for it to be returned to the U.S. He stated that this was like any other 'fine ' from the government and I must pay his collection company now. He did not log my dispute and simply move on for further investigation. I hung up the phone and called XXXX, and gave their customer service the same explanation. The reasoning was found sufficient and the charge removed.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, I became aware of an issue related to my account with XXXX XXXX XXXX. Specifically, they have reported negative information on my credit report without providing the mandatory written notice, as required by the Fair Credit Reporting Act ( FCRA ), section 15 U.S.C. 1681s-2 7 ( A ) ( i ).
The account in question with XXXX XXXX XXXX was opened on XX/XX/XXXX, and it has a reported balance of {$4600.00}. Despite my efforts to rectify this situation, including sending a certified letter on XX/XX/XXXX, requesting that XXXX XXXX XXXX update the late payments on my credit report to " XXXX : PAID AS AGREED NEVER LATE '' and delete any other negative information, I have not received a response from the company. This lack of response and failure to correct the inaccuracies have adversely impacted my credit score and financial standing.
|
| 02/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A creditor on my consumer credit report sold my account to a debt collection agency. I had XXXX knowledge about this activity. They collection agency then proceeded to call me and was able to get payments from me. I have the scheduled payments dates. I believed it was fraud because my balances were never being lowered on the past due accounts. I stopped paying and told them not to contact me. A year later and Ive been disputing my account with the original creditor ( XXXX XXXX XXXX XXXX ). They gave me knowledge that they sold my account and actually got it back from XXXX XXXX XXXX my information has been in so many different hands I know it is many violations that has occurred. The balances are all wrong and its causing mishap on my credit report. I want to sue each of these companies and get this auto debt account off of my credit report.
|
| 08/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from XXXX has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with me.
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
They're still reporting a debt from XXXX XXXX and refused to do a debt validation, it still shows collection on credit report even though they agreed it will be paid off once I pay it in full ... I contact XXXX XXXX like they said including the account number in the last complaint. According to XXXX XXXX they only off Electricity in the state of Texas not Florida ( which they gave me the previous address to contact them ) the address I provided to XXXX XXXX that XXXX gave me was XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX florida XXXX which i gave to the original creditor and they said that address don't exist with XXXX XXXX because XXXX XXXX only exist in texas after being on the phone with them for 15 minutes I tried calling XXXX but they're not getting the fact whoever reported it wasn't from out of state or XXXX XXXX themselves
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I have received a letter from Transworld Systems Inc. from XXXX Ohio in regard with an account with XXXX XXXX XXXX XXXX.
I called the number on the bill XXXX. The call was answered on a line with bad reception. The person did not identified himself. When I asked, he gave me his first name and after several attempts his last name : XXXX XXXX. I explained to him that I intend to make a statement in regard with the collection, then I asked for his license number or any other information that will help me identify the person taking my statement.
Mr XXXX XXXX did not have a debt collection license which is required by the state of North Carolina where I reside. He refused to transfer me to a licensed representative and rudely hang up on me.
I am asking for protection from Transworld Systems as their collection practices seem to be unlawful.
|
| 01/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This debt collection agency called me XX/XX/2021, XX/XX/2021, and XX/XX/2021. Ive told them several times that Ive been In contact with my insurance company and my insurance company was handling everything on their end to try and correct this. They kept telling my insurance kept denying payments when I just talked to my insurance on XX/XX/XXXX about this and my insurance company told me that it would take several days to take certain things in affect. I told the debt collectors on XX/XX/XXXX that I literally called my insurance company on XX/XX/XXXX and told the debt collection agent that my insurance company said it would take several days to resolve and respond to me the debt collector told me that they will deny it again like the last two times. I told them on XX/XX/XXXX to no longer contact me through voice calls and only through mail
|
| 06/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A company that goes by the name of Transworld Systems Inc. has been calling me repeatedly for the past two months, usually XXXX a day. I only answered the call XXXX and the representative I spoke with was attempting to collect an alleged debt owed to XXXX XXXX. I refused to give them any personal information and contacted XXXX directly. As I suspected, I owed no balance to XXXX XXXX never have ) and was not on any " do not rent '' lists. The representative I spoke with at XXXX was concerned because they said they have received multiple calls from other customers who were made to believe they owed a debt that they did not owe. I am concerned because I did rent a car from XXXX last year, so I am lead to believe that somehow Transworld has hacked XXXX system to get names of renters or obtained personal information about me from XXXX somehow.
|
| 03/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I closed an account with XXXX as I sold the home. Moved to XXXX from XXXX. Even though I gave my forwarding address, I never received any kind of final statement. I never even thought about it until I heard from XXXX a year later ( XX/XX/XXXX-XX/XX/XXXX ). I paid the bill immediately over the phone and expressed my anger that I had never heard from them before now. TSI told me that if I paid it would be not be reported. It is on my credit report ( as paid but late ) and costs me money as it affects my credit score.
I have spoken to both XXXX and TSI. Each says the other is responsible and neither one has the power to remove this from my report as neither one placed it.
I am very frustrated with the lack of resolution from a debt I would have paid had I ever received a statement and did pay over the phone once I heard about it!
Help!!!
|
| 04/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract.
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to Transworld System Inc. for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.
|
| 06/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXXI notified XXXX utility company that my husband and I were surrendering our home to our mortgage company XXXX XXXX. We filed Chapter XXXX. We advised them our move out date was XX/XX/XXXX to shut off the electric as we would no longer be living there. We moved 2 hours away to XXXX XXXX XXXX XXXX, PA XXXX with my husband 's parents. We are still here. At no time did we ever receive another XXXX bill- we changed our address with the postal service and no mail came from XXXX . XX/XX/XXXX I received a collection letter from Transworld for XXXX bill for XXXX XXXX XXXX for almost {$900.00}. I called them. I called XXXX. I called the PA utility commission. I advised Transworld statute of limitations per PA utility is 4 years and XXXX advised account no longer exists. They are refusing to remove the collection from my credit reports
|
| 04/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I was appointed my siste rs POA an d advised by the court I was not responsible for her. Debts. This was also confirmed by Dept. Of Human Services.
Regardless I personally was sent to collections without my know ledge without past due or contact for 2 years by the facility she resided in for approx 4 monthes. I requested detailed confirmation of what charges were for and why I was not contacted. That was over a month ago. The information I did receive was a copy of the contract no dollar breakdown or dates trying to contact me. This was sent signature required upon receipt to both collection agency and facility i over 30 days ago with no response. The facility was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX accent ref # XXXX
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was applying for a refinance on my home in XX/XX/XXXX. During the process, I was alerted that a collection item for {$60.00} had shown up on my XXXX and XXXX credit report. The collection was tied to a agency named Transworld Systems and was apparently from a utility account with XXXX from XX/XX/XXXX.
I am alleging that Transworld Systems did not provide me with notice prior to reporting it to the credit bureau. When i contacted them, they said they sent a letter on XX/XX/XXXX, but i never recieved it. Then they reported it exactly on XX/XX/XXXX without even giving me a phone call to alert me or ensuring I had recieved the written notice.
XXXX has already deleted the information because it was inaccurate. However, Transworld is continuing to say it is verified and accurate to XXXX -- despite the fact that it is a disputed debt.
|
| 10/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
This is the private portion of my student loans to attend XXXX College in XX/XX/XXXX. There is XXXX issues with this so called debt. First I have never been able to get a job due to the lack of the proper training. This is the same reason that XXXX College was shut down. I disputed this debt with new collection company in XX/XX/XXXX. Under the Fair Credit Reporting Act they are required to send me the original contract. Instead of sending the original contract they sent me a contract with no signatures, the wrong address, and a lot of other missing info.
The second reason I do n't feel I owe this debt is in XX/XX/XXXX I XXXX. All my federal student loans have been dismissed by the government and this loan should follow suit, but typical of a greedy corporation they want me to pay for a bogus degree that I ca n't even get a job with.
|
| 02/08/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I co signed a XXXX XXXX from XXXX XXXXs, XXXX in XXXX XXXX, NJ and XXXX quickly change the name of the company to pay back to University XXXX XXXX. My son owed {$10000.00} and they were demanding {$150.00} per month. I co signed the loan and I was trying to pay them {$50.00} per month. Now I found out the balance owed as dropped to {$3400.00} and they are still demanding {$150.00} per month. I can not afford this and I have a print out from CFPB stating " The CFPB is seeking relief for private student loan borrowers who took out Loans after XX/XX/XXXX '' My son went to XXXX in XXXX and never received all the services he was promised. He was ignored when we tried to contact them. Is there any way we can not pay this back? If the settlement allowed Federal loan relief why not also private student loan relief as well? That is not fair!
|
| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have received a copy of my credit report by my mortgage lender and it shows that this account is in collections. I have never received a phone call, a letter or any information of validation of debt. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Provide a copy of my signature with the provider of service to release my medical information to you. This is the last opportunity I will give before filing a HIPAA complaint to HHS.gov and taking this case to my state attorney.
|
| 05/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I unfreeze my credit on XXXX to apply for a house and this collection account shows up on XXXX / XXXX / XXXX one day later. I have received no formal notice of debt from this collection agency or whatever the original company is. No one has contacted me from this collection agency. This appears fraudulent because I have health insurance and an XXXX at work I could have paid this from. Date Reported : XXXX XXXX , XXXX Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status TRANSWORLD SYSTEMS INC XXXX XXXX , XXXX {$350.00} {$350.00} XXXX XXXX , XXXX UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency XXXX XXXX , XXXX INDIVIDUAL_ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX
|
| 02/07/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
( No category above described the problem, so I picked the XXXX most closely related ... ) Transworld Systems Inc. notified me to collect a medical debt that I owed. When I tried to pay the debt online at the website the company provided, their server was repeatedly down over a two day period ( XXXX/XXXX/17 - XXXX/XXXX/17 ). I called during regular business hours to pay my debt over the phone, but my calls repeatedly went to voicemail, and no one ever called me back.
This is deceptive. The goal of Transworld Systems Inc. seems to be to give people the false impression that they can pay their debt online or over the phone, then lull them into a false sense of security, so that when these attempts fail ( by design ), the deadline is too soon for a mail-in check to meet the deadline. In this way, Transworld can charge more interest.
|
| 10/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My issue is three : ( 1 ) I do not believe the charges are legitimate. I have receipts indicating payments for service. ( 2 ) The bill that is claimed by the service provider is for service dating back to XXXX 2014. I paid in full. Also, there were no subsequent notifications that they believed I had an outstanding balance. ( 3 ) The collections agency sent me a letter stating their position with a contact phone number. When I call the phone number, it indicates, " for the states of Texas press XXXX ''. When I press XXXX ', the automated voice service says for the state of Texas they are not accepting calls or service is not available. It then provides me a second number to call. When I call this number, the automated voice message indicates that service is not available at this time for the State of Texas and for me to call later.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have reached out to both XXXX XXXX and UAS and have spoken on the phone with agents from each company more than 5 separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to XXXX XXXX via their website chat and was told to open a dispute with XXXX, I created a dispute with XXXX twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was in a car accident with an enterprise rental car late XX/XX/XXXX. I have a {$500.00} deductible. I was told I have until XX/XX/XXXX to pay it ( 90days ) from the accident. I paid it onXX/XX/XXXX at the east XXXX XXXX branch with their agent with my card that was on file. I have been getting mail saying my balance was forwarded to collections and getting constant calls. I called the east XXXX branch and they said I have to call claims so I did. They said east XXXX reported it to collections in XX/XX/XXXX since they did not have the funds. If they have a system issues that's on their end. I already paid the balance before it was due months ago. They said they would look into ot further and has not gotten back to me and now I am receiving another piece of mail saying it is going to be sent to collections of not paid in 10 days.
|
| 08/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I XXXX. I received a call from Trans World Systems XXXX at approximately XXXX on XX/XX/XXXX. They asked for a specific person, who I did not know and never heard of and I told them this was a business and I knew of no such person. She proceeded to tell me I was being recorded and did I know this person and this was not a business it was a personal phone number. This person needs to be fired as this company obviously does not know the rules. I always answer XXXX XXXX XXXX. The club has no debt and no employees. This is a very aggressive individual who does not listen. I do not need this company calling a business while I have customers. I want her fired for failure to listen.
If someone tells her they called a business, she should listen and she should not try to press forward with obnoxious questions about someone I do n't know.
|
| 11/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Transworld has posted a collection account to all 3 of the credit bureaus for XXXX. The original first date of delinquency is even older then the XX/XX/2017 that they say. This debt was previously posted on my credit reports years ago and went past the statute of limitations on it. I had all 3 bureaus investigate this matter and XXXX saw thru and removed it, XXXX and XXXX did not, although I'm having it reinvestigated thru XXXX. It would appear to me that Transworld pulled some finagaling in regards to this and posting it to my reports as if it is some new debt, which it is not. As I understand these type of tactics are unfair and illegal. I have never admitted to debt, arranged any payment plan or recieved any correspondence from/with Transworld.I would like this matter to be put to rest and stop the harassment of reposting this
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In the XXXX of XXXX I consolidated my defaulted student loans and successfully rehabilitated them. It has come to my attention that University Account Services re-aged a portion ( XXXX XXXX XXXX ) that had been placed with them by XXXX. The fraudulently re-aged loan information was then submitted to XXXX XXXX and upon closing out my loan they reported several years of delinquency ( XXXX ). The date of first delinquency on my student loans was in XXXX of XXXX. I contested the information with all three credit reporting agencies. XXXX has refused to verify the date of first delinquency, but did inform me that they received the fraudulent information from University Accounting Services. I've filed a separate complaint against XXXX. I've consulted a consumer protection attorney and will file suit if this information is not corrected.
|
| 12/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I spoke to the original creditor regarding all of the following accounts that were purchased by Transworld Systems inc. The info that Transworld systems is furnishing does not match the info I received from the original credit/creditors. This is a huge violation of the FCRA, and FDCPA. This inaccurate data has caused me great personal issues. It has triggered my XXXX and caused my interest rates to sky rocket. If this debt is not removed I will seeking litigation under 15 USC 1692 which combats abusive debt collection practices. I will seek my {$1000.00} per violation as well as the other inconveniences these inaccurate debts have caused me. This is this debt collectors last chance to remove this inaccurate/ non verified debt.
Transworld Sys- XXXX Transworld sys- XXXX Transworld sys- XXXX Transworld Sys- XXXX Transworld Sys-XXXX
|
| 02/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
ATTN TSI THE FOLLOWING DOCUMENT WILL PROVIDE PROOF THAT PAYMENTS HAVE BEEN MADE EACH MONTH TO XXXX XXXX XXXX XXXX. THE BALANCE IN WHICH YOU HAVE IS NOT REFLECTED ON THE STATEMENT THAT XXXX XXXX HAS SENT ME NOR THE ADDITIONAL CHARGE YOU STATED THAT SHOULD HAVE BEEN APPLIED IN THE AMOUNT OF XXXX OR XXXX. EITHER BALANCE OR CHARGE IS NOT ON ANY STATEMENT THEY HAVE SENT. YOUR ADDRESS AND PHONE NUMBER IS ALL THAT IS PRESENT. THEY ALSO SENT A STATEMENT INDICATING THEY HAVE NEVER BEEN PAID TO MY UNIT WHICH IS SLANDER AND DEFAMATION OF CHARACTER. THESE ACCUSATIONS WHERE FALSE. I WOULD LIKE A LETTER OF APOLOGY FOR THE FALSE CHARGES AND STATEMENTS FROM WITH ORGANIZATION WITH THIS CARD BEING SOLEY IN YOUR POSSESSION AND I PAY YOU OR THEM NOT BOTH WHERE TWO CHARGES THAT ARE BEING APPLIED AND THE PAYMENTS ARE NOT BEING REPORTED ACCURATELY.
|
| 12/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX.
You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.
|
| 02/19/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Trans world systems INC has been trying to collect a debt dated XXXX for a utility bill belonging to an apartment I have not lived in since XXXX. I have repeatedly disputed the validity with the bureaus and somehow they keep reporting it as accurate. I have attached photos of mailing with the name of the tenants that moved in after me as well as a copy of my lease dated XXXX. I called the company and explained all of this and was told I needed to file a police report for them to fix it. A police report for me to fix something that I have legal proof I am not responsible for? So I have to jump hurdles now for you to fix an obvious error? As if police don't have anything better to do than take a 4 year old report?! Just take the documentation and acknowledge the error and then change what you're reporting. It's as simple as that.
|
| 11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Im making a complaint against trans world system inc. For some reason this account ended up on my XX/XX/XXXX report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau XX/XX/XXXX this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau XX/XX/XXXX the truth, its not mine and needs to be removed
|
| 07/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TRANSWORLD SYSTEMS has inserted an account in the amount of {$260.00} representing XXXX XXXX XXXX. XXXX. I have never had any business or obligation with TRANSWORLD nor XXXX XXXX XXXX XXXX .NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed TRANSWORLD SYSTEMS of this status. TRANSWORLD can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. TRANSWORLD has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
|
| 06/18/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I was a student and was not given the opportunity to a fair payment plan. At the time I was forced to have my parents wages garnished even though they were a co-signer and never once gave me a payment plan. I was currently in school full time. I was told the only option I had was to have my parents wages garnished even thought it was my loan and I was working and wanted my wages garnished because the payment I could afford. I never even received any communication that they were my true lender. I was not provided any documentation that this company truly owned my loan. To this day I go on their website and its nothing but a portal to make a payment. My parent was forced into signing wage garnish documents and all contact was harassment via telephone. The documents wer the XXXX XXXX XXXX XXXX XXXX XXXX a Delaware statutory trust.
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
We received a bill in the mail from Transworld Systems INC that states a balance of {$72.00} has been placed with them by XXXX XXXX XXXX XXXX XXXX The bill is dated XXXX / XXXX / 17 however we received a week later. We never never received an original notice of any bill directly from the XXXX XXXX XXXX and there is no itemization of what the original bill amount was, and if there is a surcharge that is being added to the amount. Within the letter it even states " If you have an income tax refund, perhaps you can use the proceeds to pay this amount. '' We have received no proof of any original bill and have no idea how any debt is being charged and for what reason. We have never had the XXXX XXXX XXXX come to our home for any reason and do not believe this debt is valid, and may be fraudulent.
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports.
I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.
|
| 07/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I had sent an email to Transworld Systems INC ( TSI ) they collect for the XXXX ( XXXX XXXX XXXX XXXX XXXX ) and don't remember the date, to say that the amount was incorrect. I received an updated letter with an updated amount that I am willing to pay. Today XX/XX/20, XXXX, XXXX, I called XXXX, XXXX to ask what is the process to update, an account and remove it from my credit report once it is paid. I got XXXX on the line and asked her what is the process. She wanted to verify my identity first and I asked her what difference does my identity make. I'm just asking about the process. From my phone number she verified my identity and affirmed my identity. She would not shut her mouth and listen, kept speaking over me, kept interrupting me and would not give me the information I was requesting. I just said forget it and hung up.
|
| 10/05/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
Repeated calls from Transworld Systems ( calling from XXXX ) who said they were collecting a XXXX debt but would not provide any understandable information as to : 1 ) who the debt was from, 2 ) the amount of the debt, and 3 ) the date of service related to this charge. Each call sounded like it was being placed from overseas and each caller had a strong non-English accent - making it very hard to understand exactly what they were saying. They refused to provide the information listed above until I provided them with personal security information- which I was not willing to do. They absolutely refused to send me any more detailed information either by mail or e-mail.
They have been calling me or my XXXX ( separate phone numbers ) several times a week over the past XXXX of months. The callers do correctly identify my name.
|
| 11/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Balance {$570.00}
|
| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please be advised I have requested validation { not verification } of an item reported to you by Transworld Systems. I have received a response that clearly violates my rights according to HIPAA.
Transworld Systems Inc did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
|
| 02/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a debt. from a health care company turned over to collections with Transworld Systems Inc. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX and XXXX refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
|
| 11/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XXXX, I rented a vehicle from XXXX XXXX XXXX thru XXXX. The bill clearly states airport concession fee recovery which I paid up front. Also, it states that all mandatory fees and taxes are included ( see attached ). Upon arrival at XXXX pm on XX/XX/XXXX the XXXX counter was closed and I could not receive my vehicle. The next morning, I went back to counter and had to give them my XXXX XXXX card for possible damages. When I returned home I noticed they charged me again for the concession fee. I then did a charge back with XXXX and they agreed and denied the charge.I attempted to talk to someone and even was on hold for 90 mins and phone disconnected. I just received a letter from a debt collector for 62.00 for the fees I already paid. I have a XXXX XXXX XXXX and am fearful they will attempt to ruin my credit. Please help
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After receiving the collection letter I contacted they company for back up documentation, since I had not been to business in question in years. The documentation they provided was list of charges, no back up documentation, no invoices, just a quick report showing I owed money. The money they are trying to collect on is first off over four years old and over the statute of limitations, but also not mine. They couldn't provide any paperwork for these " charges ''. These charges are not only not mine, but they are past the statute of limitations and they are trying to collect on them fraudulently.
I have contacted they business and the collection agency who are both still trying to collect on this fraudulent debt.
It's unacceptable that these companies are collecting with zero oversight or repercussions for their actions.
|
| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
HIPAA Violation!!! I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPAA release form authorizing Transworld System Inc access to my medical records. They should not have access to XXXX XXXX, and Diagnosis Codes pertaining to my medical treatment. Do not keep sending me your generic validation letter! All collections pertaining to this debt needs to be cease and remove from my XXXX, XXXX and XXXX credit files immediately. This company is again violating my HIPPA rights as a consumer. I have filed a HIPAA complaint and filed a lawsuit against Transworld with my attorney. Remove this from my credit report now! This matter is not resolved and i will continue to file lawsuits and complaints until this debt is removed!
|
| 04/28/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.
|
| 07/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Transworld System has been calling my XXXX year daughter 's brand new cell phone number day and night for the last week that she 's had the phone. I got on the phone once and ask what they wanted with my child, they told me it was none of my business and it 's personal. They would not tell me why they kept calling us and why they are harassing a young child. The harassment of a child has got to stop. I finally was able to get one of the many people who kept calling to give us the name of the person they are looking for and we have no clue who it is. However, it does n't seem to matter to Transworld that we are not the person they are after. They choose to continue to harass my XXXX year old. Perhaps the person who continue to contact my daughter is a pedophile. I ca n't image why they continue to call a kid night and day.
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a debt of XXXX with transWorld systems for several years now. The debt is in accurate and is not mine but because Im buying a home and you aid to get it removed because it was important that I got it taken off my reports. On XX/XX/2021 I called TransWorld systems and was told I can pay to have the debt deleted by An employee named XXXX. I paid the amount and asked for a letter as well for my proof. She stated that she will mail it and I told her I would rather have it emailed. She stated she could fax it instead. I gave her the fax number and she never sent me my proof needed. It is now XX/XX/XXXX the account has been paid for months now and they still have not removed it from my account. Instead they lowered the balance. It is negatively impacting my process of obtaining a home. Please remove this from my account.
|
| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Transworld Systems has reported a collection account on my credit report I didn't know was there. I've never received any information or had any contact with this company about this collection account. I have not been given any opportunity to verify the validity of this alleged debt nor have I gotten the opportunity to dispute the debt with the company. I submitted a dispute with TransUnion credit reporting agency and of course they say the company has validated the debt. I have no idea how that is even possible since I have not been in contact with this company nor have I been provided with any information regarding this debt. Transworld Systems has illegally reported this alleged collection account on my credit report and is in direct violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!
|
| 11/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES.
I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.
|
| 10/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am submitting this complaint on behalf of my client, an account from Transworld System Inc showed up on his credit report with a balance of {$3300.00}. He hired our company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to work on his behalf, we reached out to Transworld Systems to have them validate the account. The letter was successfully submitted on XX/XX/2022 via fax ( proof attached ) but up to this date we have not received an answer, but the account is still reporting on my client 's credit reports. I am requesting per the Fair Debt Collection Practices Act that this account be deleted immediately off his credit reports since it can not be validated, plus the 30-day investigation window has expired. I have called but they have yet to remove the account. This is illegal and I hope you can offer some help in this situation.
|
| 02/08/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
A few years ago, Transworld System had called regarding medical debts we owed to XXXX in XXXX, PA. I called XXXX Primary Care directly and paid all past due debts. Transworld continued to call for about XXXX months. Finally, XXXX called them and said we no longer owed any debt. The calls stopped. However, over the past XXXX weeks, the calls began again. XXXX to XXXX calls a day on my landline and several calls a day to my cell phone. They are attempting to collect the same debt ( form XX/XX/XXXX and XX/XX/XXXX ). I called XXXX, they stated we owe no medical debt at this time and they are not sure why Transworld is calling. They dumped Transworld XXXX years ago and have their own debt collection agency now. I asked Transworld Systems for a written bill of the debt from XXXX and have received nothing from them in writing.
|
| 12/06/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
a doctor sent this to a collection agency. when I never even got a bill from this doctor. I have been trying and trying to call the debt collection company, Trans world Systems, but when i call it says.. leave a message for extension, XXXX ive left a message. they dont answer their calls on XXXX different numbers I 've called. they have a fax number on one of their web sites, i tried to fax them a dispute letter. The fax number is a phone number! again, no answer.
how can i dispute this debt if i cant get ahold of them? the problem is, the doctor office is charging me my XXXX percent share at a price that exceeds what XXXX says i have to pay. the XXXX has to go by XXXX approved amounts. and not charge me what they think they should get paid, Good thing XXXX issues me what they pay out and the most i should have to pay!
|
| 02/04/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I attended a public university and used a private student loan to pay part of my tuition. University Accounting Service, LLC ( " UAS '' ) serviced this loan. A few months ago, I consolidated this loan through XXXX to take advantage of a lower rate. When I consolidated, I overpaid UAS by {$340.00}. I emailed UAS requesting a refund and they replied that they would refund the excess amount in 60 days. After 60 days passed I followed up by email and they responded by asking me to call. When I called, they said that they do not issue refunds and that they will keep my money. I believe they are holding money that is rightfully mine. My statement reflects a negative balance. They acknowledged previously that I am entitled to a refund and I can not understand why they are refusing to give me back money that is rightfully mine.
|
| 02/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 05/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
For approximately 14 months, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been collecting a debt owed. The statement comes from the XXXX collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact Transworld Systems Inc ( TSI ) who is the actual holder of the debt collection. TSI informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact XXXX. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both XXXX and TSI said the other could provide.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Transworld Systems of which I have no signed contract of business with keep reporting and verifying inaccurate information with the credit bureau 's I have disputed this for 3 years. This company is reporting a date of XX/XX/XXXX amount {$1800.00}. This was an unrelated business with Transworld Systems court settled dated XX/XX/XXXX dismissed amount {$1300.00}. Transworld has verified a fraud unauthorized signature of which I have and verified fabricated amount to the credit bureau 's. I've never signed any contract with this company. The inaccuracies are clear ( note : dates and amounts ) and must be permanently removed under the law of fair consumer reporting act, I've even sent the credit bureau 's court document. I want this removed immediately this has caused unnecessary housing hardship for me along with stress.
|
| 09/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Over the last few years I have received countless calls ( 100? frequency has been increasing this year ) to collect debt from " XXXX XXXX. '' I am not XXXX XXXX. The only XXXX XXXX I know was from high school in the XXXX.
I learned last week that XXXX XXXX 's debt is associated, at least in part, with medical service or equipment. I learned this by calling the number XXXX and found out it is XXXX XXXX. I was informed my phone number would be removed from XXXX XXXX 's record. The next day Transworld called again and when I complained, told me it could take 24 hours for the database to catch up. Well, this morning I got another call for XXXX XXXX from a company that would not identify itself.
I found out debt collectors do not have to honor a do-not-call registry. [ insert swearing here ]. So I'm filing a complaint.
|
| 10/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 07/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received an attempt to contact me by a representative at Transworld Systems collection agency on XX/XX/2022. They did not leave a voicemail, so I called back to investigate. This phone call was an attempt to collect a debt that is not owed, no prior knowledge of the debt or the company that issued a request to collect a debt.
They used an old address of mine to verify who I was.
Details of the debt from the phone call : XXXX company requesting around {$69.00} debt collection from a bounced check.
I told Transworld systems that this is a fraudulent check, I never use checks to pay for anything and I don't do any sort of gambling.
I contacted transworld systems a second time to confirm some details and the last name they had on file for me is incorrect. They then removed my phone number from their contact list.
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from having this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, Transworld Systems Inc. contacted me via mail to collect a debt from XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to Transworld Systems Inc. using a modified version of a form letter from the CFPB informing them that the debt was already paid alongside information on how merchants can locate payments and documentation from my virtual credit card vendor and my bank indicating that the payment was processed and the money removed from my bank account. The letter also requested documentation that give them good reason to believe I still owed the debt. On XX/XX/XXXX, I received mail from Transworld Systems Inc. again seeking to collect the debt with no additional documentation supporting the debt. Additionally, there was no indication that they had attempted to determine if the debt was still owed or not.
|
| 11/13/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
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}
|
| 10/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, I seen that this account was on my credit file as a acollection and was place inyour office in XXXX 2020, however I never once recieved any notification verbally or writtena about this collection being transfered or sold to your company. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. I was never notified of the debt in 2020.
I have mail cerfitied letter asking for debt verification and al Ihave recieved back is a bill a not anything tying your company to the debt and that you can legally collect on this debt.
|
| 11/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company has began to call me and they dont leave voicemails to state who they are or a return number. I dont answer unknown calls and it comes up on my cell phone as " spam risk ''. I found them by looking up the number online. They have called 13 times in the last 3 days.
XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( sleeping ) XX/XX/XXXX - XXXX AGAIN ( sleeping )
|
| 06/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Never received notice of the debt until after it was reported to credit agency. Contacted company immediately and paid debt, of which I was told I would recieve a confirmation email statement. I never received that. I called back and then I was told I would not receive a payment statement and that my bank statement would serve as my receipt. I submitted a dispute with the credit agency to have the collection account removed from my credit report and now the company who reported it will not remove it and states it is accurate as it stands even though the account has been paid in full. The problem is I only have a bank statement to show as proof of payment but no actual receipt from the company. So I am stuck with a collections account on my credit and again the company refuses to state it was paid or have it removed.
|
| 04/02/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I refinanced my loans at the end of XX/XX/2019. Payment in full for my loan with XXXX XXXX XXXX was sent by check from my new Lender. The check for XXXX was cashed on XX/XX/2019. On XX/XX/XXXX, I received a bill for my loan payment from XXXX XXXX XXXX. When I asked about the payment in full, they said they did not receive it. I sent a copy of the cleared check via email on XX/XX/2019. On XX/XX/2019 I contacted the company via email as I had still not heard anything back. I was told that they did not have an updated. On XX/XX/XXXX, I received another bill for the next payment. I called the company on XX/XX/XXXX and was told there was still no update, over two weeks after I had sent the copy of the cleared check. I have now had to make two additional payments on a loan that should have been paid off as of XX/XX/2019.
|
| 08/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX charged us incorrectly for our XXXX visits. We had explained prior about this issue and they did not want to work with us. They forwarded the debt to XXXX and XXXX demanded {$600.00} per month which would have made us homeless and starving. I also explained to XXXX the problem and were unwilling to work with us, called several times a day, even 2 to 3 times in one hour. They forwarded our debt to an attorney ( XXXX ), was told they figured a deal, was only made aware of XXXX account and was supposed to be paid off XXXX XXXX, was told the accounts just showed up out of no where. XXXX XXXX was supposed to charge the VA medical center in XXXX for my XXXX visit. I am a XXXX vet. They also put my daughter as my husbands spouse with the wrong birthdate. Husband and daughter were charged for procedures not done.
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Transworld Systems Inc/XXXX has been contacted twice to a pay an old debt I did not realize was still out there. In XXXX I was told they could not find any account under my name or social. The second time in XXXX I was told they found the account but it was charged off and no longer active. Since it was no longer active in their system, it can not be payed on.
I then disputed the collection item on my credit report with the credit bureaus. I received a letter that stated they completed their investigation and found the debt is valid but was charged off some time ago. The letter went on to state it does not mean I have a 0 balance, the debt is still valid, but just can not be paid and it will continue to report negatively each month to the credit bureaus and they would notate " the consumer disputes the claim ''.
|
| 04/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Today at XXXX I spoke with TSI. On the call I asked them not to record my call ( which I also asked them in writing before the call not to record ). At XXXX I received another call from TSI POST revocation of consent to be contacted. I have told this company SEVERAL times verbally and in writing via USPS Certfieid mail to STOP CALLING ME and to COMMUNICATE BY MAIL ONLY, they don't listen and they break the law under the fair debt collections practices act as well. Further, they did not give a mini mirranda. I have attached all proof including prior CFPB complaints. I want this harassment to stop and I want them to CONTACT MY REPRESENTATIVE TOMORROW XXXX XXXX XXXX XXXX.
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
|
| 10/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau to see if a collection can be rectified. I have tried to request a full accounting of the {$2500.00} XXXX XXXX states is owed to them. I requested that I receive an account summary of my payment history, especially the first date in which a payment was at lease 30-days late. Now I have two collections for the same account posted on my credit bureaus, which is unfair and a violation of the Fair Credit Reporting Act as well as an abusive collection practice according to the Fair Debt Collection Practices Act. Therefore, I request a full accounting summary, not necessarily copies of previous invoices. I believe that at least one of these collections should be deleted as it shows a double negative hit on my credit report, creating duplicity.
|
| 10/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?
|
| 03/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received and email from XXXX on XX/XX/23 # : XXXX stating I owed {$27.00} to XXXX. XXXX XXXX OF XXXX, XXXX XXXX 's Account # : XXXX. First that is not my information. I have never been to XXXX. I call on XX/XX/23 at approximately XXXX XXXX and tried to explain that was not me and they put me on hold, I had to ask if they were still there and they stated they were waiting for a supervisor. Asked my name and birthday. I stated that is not my middle name and put me on hold again. I asked if they were there again and got, I am waiting on the supervisor to see what to do next. They used my email since the name appears the same and sent me the collection without verifying whether it belongs to me. I explained to them it does not, and asked for an email verifying it was removed since I had to go and the call cut off.
|
| 06/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Received notice from UAS of two missed payments from XX/XX/2022 on a late notice dated XX/XX/XXXX. I received it to my home on XX/XX/XXXX standard mail. I checked my bank statements and both of the payments were issued to UAS via autopay XX/XX/XXXX and XXXX. I contacted them on XX/XX/XXXX to notify them of their error. Received a message from XXXX on XX/XX/XXXX that I did make both payments and that he requested those errors be corrected. My credit dropped 25 points XX/XX/2022. When I noticed on Monday XX/XX/XXXX I contacted UAS for the second time and they told me they would manually correct this ( which I had already asked for in writing XX/XX/XXXX ). This time I spoke with XXXX. I am worried that they will not follow through if h being this is the second attempt to correct it and it is now affecting my credit.
|
| 12/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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The debt was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was paid for on XXXX XXXX, XXXX for the amount of {$170.00}. I was informed that my balance is in XXXX.
Recently I have been receiving letters from Transworld Systems Inc. indicating that I owe {$190.00}. I contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial department to inform them, and they assured me that they had contacted the company XXXX times to inform them that my balance is XXXX and that I should n't worry.
I have received a total of three letters so far still trying to collect the amount mentioned above. I would really like them to stop.
Since it 's the weekend, I ca n't contact them by phone.
pd. Money Order # : XXXX XXXX {$170.00} / Provide me an email where I could send a fax or email to be able to send proof of all receipts.
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Im writing in reference to the Transworld Systems # XXXX account that is listed on my credit as having gone to collections. Im writing to appeal that this be removed from my credit as it is hindering my ability to rent an apartment or obtain a credit card. I was XXXX living at home and under the care of my parents who were also responsible for my medical bills. I had XXXX XXXX XXXX XXXX on my XXXX. The original XXXX happened when I was XXXX and then some surgeries followed after I turned XXXX. Unknown to my parents at the time this bill slipped into collections. As soon as we were made aware it was paid. I hope that you can see that this should not be a reflection on my ability and to secure and pay credit or rent responsibility. Thank you very much for your consideration in removing this from my credit report.
|
| 05/09/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have tried on two previous occasions to dispute this account through XXXX but they keep verifying it. I have never heard of this company before it showed up on my report. I have received no phone calls and no mail from them. I have not been given the opportunity to ask them to verify the debt and, while XXXX says they've verified it, no details are given to me about how. Simply, it's not my account and this company has made no effort to prove it is.
In addition, this company has reported to XXXX that they turned THIS account over to collections. So instead of showing as a collection account, it shows as an account I opened ( I didn't ) and shows that they've turned it over to collections. They are also REPORTING MONTHLY THAT THE ACCOUNT IS DELINQUENT. As in, they are reporting a missed payment every month.
|
| 04/05/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I went to a Mortgage Broker to see if I could get approved to by a house. I noticed that my loan from University Accounting Services was not listed. I called and asked why is was not on my credit report. Both time I tried calling I was told they can not speak to me about my account and to contact XXXX, who is the lender. The second time I called I asked for the contact information so I could call them and they kept repeating " I have no information to give you. '' I have tried looking up XXXX online to find their contact information and I cant seem to find anything.
On my statement for this loan, the only contact info given is for UAS. At this point, I have no one to talk to about this account. Why would I continue to pay on a loan when I cant contact the lender. I 'm concerned about the handling of this loan.
|
| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Transworld Systems would verify the debt. So I took it upon myself to ask Transworld Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Transworld Systems would verify the debt. So I took it upon myself to ask Transworld Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against TRANSWORLD. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 05/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have sent several letters to the company asking to send me the below information. The company has changed the amount that is owed and dates several times. to have this to stay on my report trying to force me to pay for a debt that is not mines Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation.
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature
|
| 01/18/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2018 I received a collections letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX in reference to an account ( # XXXX ) being collected for XXXX XXXX.
It indicated an amount due of {$4700.00}.
I have never done business with XXXX XXXX nor have I ever opened any accounts with this company and I have never requested any credit from this company.
I sent a certified letter to Transworld Systems Inc. letting them know that I dispute the debt, and I have not heard anything from them since.
They ( Transworld Systems Inc. ) also did a hard inquiry on my credit report on XX/XX/2018, and I am not certain how they or XXXX XXXX would have my ss # as I have never done any business this company, opened any accounts with this company or requested any credit from this company.
|
| 12/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent a Debt Validation to this company once I realized they are listed on my credit reports XXXX XXXX, 2017. The collection agency failed to validate debt. They " did not validate the debt in the required time frame, only after was incomplete proof provided in the form of a final bill. A bill statement does not obligate me to pay. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
|
| 04/10/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
In addition to repeated and frequent calls, when I have reached out to them as well as the original debtor ( XXXX ), Trans world systems has continued to lie to me, telling me that I HAD to make payments to my account ( even though they have set up 2/3 debt collections from my Military Pay as well as taken 100 % of my tax return ).
When I was told to file for hardship paperwork ( in order to get the 2/3 's debt payments reduced ) by the original debtor through Trans world, I contacted trans world and was told that they do not have hardship paperwork available that I would have to make payments to them only.
I called the original debtor back and told them and was told that Trans world is lying to me and that I needed to call again to get the hardship paperwork sent to me. My contact at Trans World is XXXX.
|
| 04/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
In XXXX, my XXXX XXXX revolving debt was transferred to collections and then sold to Transworld, LLC collection agency. I had never received a letter from Transworld regarding this debt. In XXXX, Transworld started intercepting my federal income tax check and have been ever since XXXX ( about XXXX ). The original amount of the debt was a little over XXXX XXXX dollars. I contacted Transworld several times over the last 2 years with the last contact in XXXX via letter to informed them about the illegal collection through the tax off-set program, and demanded that they stop the collection activity through off-set. They claim that they are collecting on behalf of the government ( XXXX ), however when I contacted the XXXX and XXXX XXXX XXXX ( XXXX ) and XXXX XXXX directly, they indicate that I do not own a debt.
|
| 04/21/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have received multiple letters from XXXX Inc. attempting to collect a medical debt from me. The phone number they provide on their letters goes to an automatic voice message stating that all representatives are busy and to leave my personal information. I have left a handful of voice messages with my name and contact information ; however I have not XXXX received a phone call back. This process has been ongoing for well over a month now and I can only imagine how much worse my credit score is being affected by this process. I am looking to pay my debt ; however can not reach anybody via phone and the website they provide also does not allow me to log in. I promptly get logged out to due an " error '' each time I attempt to log in. This is getting extremely frustrating and has caused me to file a complaint.
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX.XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against TRANSWORLD SYS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Transworlds Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 02/10/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure.
I have this private loan with UAS loans for {$5000.00}
|
| 06/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently reviewed my XXXX and XXXX credit reports and noticed collections on my credit report. The following are the collections : Transworld System Inc -- Original Creditor, XXXX XXXX XXXX in the amount of {$660.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them.
XXXX XXXX XXXX - for {$660.00} and {$170.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them.
XXXX XXXX for {$89.00}. I have disputed this account with the credit bureaus on several occasions.
|
| 01/04/2017 |
Yes |
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
I have an outstanding medical bill from University of XXXX as well as from the University of XXXX. The medical bills were a result of an automobile accident, for which I am pursuing personal injury settlement with my insurance company. My attorney has repeatedly notified the XXXX, the XXXX XXXX XXXX, and their debt XXXX of his representation and further instructed them to direct all communications to him. Despite this, I am repeatedly receiving invoices and debt notices to my home address and nothing is being sent to my attorney. At least XXXX account ( University of XXXX ) has been sent to a debt collector, and I believe this may be affecting my credit. The debt collector was also instructed by my attorney to contact him, but they have also continued to send statements to me. I feel harassed and bullied.
|
| 12/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently received a letter from a company that appears to be fraudulent/ illegitimate. The letter was stating it was collecting for the auto insurance company I cancelled months ago after they refused to take payment for the policy that was set up for autopay out of my checking account. That part I am reaching out to a private attorney about for legal assistance. I XXXX the company when I received the letter 2 days ago and people were warning to contact their state attorney general office which I did here in Minnesota and they have record of my report to them and advised I reach out to the Federal trade commission which routed me to you and also that I should reach out the US postal inspection service as well. Which I will be. If there is anything further you need from me please let me know. Thank you.
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Transworld Systems reopen an account that was previously closed without my consent. And this is not the first time that this company reopened this account. This account was originally closed/charged off on XX/XX/XXXX. Transworld systems reopened this account on XX/XX/XXXX and later reopened the account again on XX/XX/XXXX. I contacted the company and the credit bureaus about a potential error because it is unusual for closed accounts to be reopened. I didnt get a response from neither of them. And this account keep being reopened which is frustrating because I havent received anything from them that verifies that this account is mines. I have asked these companies for the original contact barring my wet signature. I would like to so that contact asap. The account number is XXXX, the account name is TSI .
|
| 06/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My father XXXX XXXX XXXX was a patient at XXXX XXXX XXXX Pa. He was transferred from XXXX XXXX to this facility. I ( XXXX XXXX ) am the only family member left to sign him into XXXX. All I did was sign him in and sign him out. I was very clear that I was not responsible for any bills. He has XXXX and XXXX XXXX. I recently received bills and a notice that I was being sent to a collection agency for his medical bills. I called XXXX and questioned why I was receiving any bills. I wanted to know why the bill existed in the first place. He has been a patient there at least 2 times before. They told me that his XXXX XXXX was no longer valid. His payments to XXXX XXXX were electronically deposited so I do n't know why that is the case. I want XXXX to send the bills to the patient and not me. I was not a patient
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
XXXX XXXX
|
| 03/21/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have 2 private student loans totaling {$100000.00}. These loans have been in deferment from XX/XX/XXXX to XX/XX/XXXX. During the deferment period, no interest is supposed to accrue, therefore no interest should start accruing until XX/XX/XXXX. This is stated in the loans ' Master Promissory Notes as well as specified verbatim in the loan servicer 's ( University Accounting Service , LLC ) deferment confirmation letters. However, interest has been accruing on a daily basis. When I call, they will acknowledge the mistake and remove the interest only for interest to continue accruing on the next day. Interest continues to accrue on a daily basis necessitating me to call multiple time for them to fix the issue. The issue has not been fixed. Interest on these 2 loans continues to accrue while in deferment.
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
Older American, Servicemember |
|
I have been calling this company sense XXXX of 2021 they will not return my calls I have also asked them to do an internal investigation which they have snowballed me for 4 months, I had XXXX and was in the hospital at the XXXX XXXX XXXX I called this company to let them know that I was sick and was told that my payment could be deferred sense I had a life treating illness the derrment was for three months and then you restart your payments and I agreeed to that so I asked them to get the phone records that they refuse to get and will not return my Phone calls and sent it to another collection agency and the price went up by XXXX dollars in 2 months they have lied about everything and to show the lies they have avoided me sense thmontheeen I call leave massages and they don, t call back for month, XXXX.
|
| 08/23/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I have filed a FTC complaint against TSI for misrepresentation I have requested proper legal documentation from TRANS WORLD SYSTEM # XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT.
This is a fraudulent attempt to collect a debt that is being misrepresented on a unverified account with no verifiable account numbers, no date of late activities and several other FDCPA violations
|
| 01/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a letter from Transworld Systems Inc. dated XXXX/XXXX/16 for the amount of {$110.00}.
I have no idea what this debt is about since I pay all my road tolls, parking tickets and medical bills. I have never received a bill from a creditor for this amount so this is the first communication I received about owing a debt.
The letter did not state who the creditor was or what the bill was for. The Transworld website contained no information to check this account for me to look it up. The phone numbers listed on the letter and website are dead numbers so the company can not be contacted. I have read online ( consumer reports ) that other consumers are having their credit reports damaged by this company who ca n't be reached for questions about the debts they 're trying to collect.
Please help.
|
| 02/18/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I had to move out of my apartment because of military XXXX AND work XXXX ( XXXX ) during COVID. I used rent relief program to pay for my rent before I left. The rent relief payment went through and was cashed but I was still got charged and the bill was sent to collections without any notification. No mail, no email, no text message, no phone call. I checked my credit report and found bill in collections after I received email from Rent Relief that debt was paid. They promised to delete the collections from my account once I fixed their mess within 30 days and then all they were willing to do was report the debt paid to the collection agency. They refuse to remove the collections from my credit report. The attached documents are all the proof/email messages and receipt of payment made by Rent Relief.
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Complaint filed with you for a debt on XX/XX/XXXX. I received a letter from Transworld Systems Inc in response. Stating to send them a full police report, also register with identitytheft.gov. I did these, I also submitted copies of my paychecks for the time I was supposedly living in XXXX and this debt was incurred.I work in XXXX and have for 8 years now. Never been to XXXX.
I was given a name in their letter of XXXX XXXX, I have left numerous voicemails for her, and called the complaint line. I have not received anything back. I have called her at least XXXX time and left voice mails.
All the information plus my pay stubs we mailed to them on XX/XX/XXXX. Registered mail, they were received and signed for on XX/XX/XXXX at XXXX.
I have not heard anything and want this removed from my credit report.
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a debt collection letter from Transworld Systems for {$370.00} for an apartment application fee. I did not apply for an apartment in that building or at that time. I told Transworld that this was identity theft and they sent me a packet of information, by mail, to complete a report about the identity theft. The packet also included the original apartment application that someone submitted on my behalf without my permission. The apartment application includes the last four digits of my social security number, my state driver 's license and my prior address ( which was my current address at the time of the application date ). It also provides a reference of a " friend, '' a name I do not recognize and a person I do not know. The paperwork in the packet asks for my social security information.
|
| 05/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Transworld Systems continues to report to the credit bureaus debts allegedly from me that I am unable to validate. They have given no proof of validation and I have complained about them before. Due to HIPPA laws, they can not validate what the debt is for and I have no knowledge of entering in contract with Transworld or Maryland XXXX XXXX for services. They have previously been unable to validate debts.
I am asking that they send me the contract I signed for service with Transworld and Maryland XXXX XXXX ( they claim is the original creditor ) as well as an itemized bill for debt owed or remove these collection activities from my credit report.
I am asking that these debts be removed immediately as it has severely impacted my credit report.
Please see company 's response to previous complaint.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Due to covid I applied for forbearance for 6 months, I was advised that while the application was in progress there would be no impact to my credit.
My credit score dropped 67+ points.
The forbearance was approved until XXXX.
My credit score has remained low even though I was advised there would be no impact while the application was processing This happened before and I had to submit a complaint.
I have a XXXX and my home is in need of emergency repair due to my sewer line being broken. I am not able to obtain any loan to resolve the issue due in part to my credit score.
This is urgent as my home is having environmental and sanitary issues. I also XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX as I am XXXX XXXX due to taking medication for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have a past due balance with the XXXX XXXX XXXX which is now in collection. I was never given the opportunity to set up a payment arrangement. They set up a payment for me that was very high. I couldnt afford it. They have since taken my tax return, which isnt reflected in my balance. They never acknowledged that they took it. They are now threatening to garnish my wages. I sent a previous complaint against them and they sent me a letter stating I could file a hardship with them and possibly get a payment arrangement. They said they need my last few months of banking statements as well as mortgage payment information. I dont believe a collection agency should ask for that information. I merely want to set up a payment arrangement. I dont think they need to have my bank account info and statements.
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
You claim I owe your company {$450.00}. This letter is being sent to you in response to an entry made on my Consumer Report dated XX/XX/2022. Please be advised that this notice is being sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am filing a report of Fraud in reference to an account that was placed in my name years ago and I reported to the company that I didn't open the account and it was supposed to have been deleted, but it wasn't and it was allowed to accumulate service fees and late charges that are still trying to be assessed to my name. The current holder of the fraudulent account, Transworld System Inc, continues to preform a dishonorable act by continuing to report this fraudulent account on my credit profile after years of dispute on my behalf and inconsistent, unverifiable documentation supplied by the said original creditor which is XXXX. The said fraudulent Account # XXXX needs to be removed from credit profile immediately, for it is not my account, so I bear no responsibility to this said fraudulent account.
|
| 11/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a complaint about a debt collection agency contacting me about surprise medical debt. The charges listed against my account were unknown to me all this time and for the charges to be in debt collection now are an issue to me. We are contacting the hospital to discover why we were never contacted about the listed charges by the hospital for years. We are also contacting them for necessary information, proof of benefits and services, and line-item charges for the debt listed against us. We have successfully made all payments for all known charges to us since receiving services at the hospital, so these surprise charges are very odd to us. The charges are from XXXX and XXXX and we have since visited the same hospital and updated their systems for them to approach me successfully about any debt.
|
| 06/11/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
The debt collector sued me in local court and obtained a judgement lien which has been placed on my home. This home is the only property I own. A notice was given to me informing me of the suit being initiated against me. Within my state of SC, the statute of limitation for filing a judgement on a non-federal student loan is 3 years. My understanding was that the court would not grant the lien because the statute of limitation had expired so I did not respond. However, the local court did grant the lien. I later found that I had to present my case regarding statute of limitation in court. My question is, Is it legal for a debt collector to seek a judgement claim even though the statute of limitation for doing so expired?
Does this fall in the category of unfair or abusive debt collection practice?
|
| 09/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reviewed a copy of my consumer report and observed that both the consumer reporting agency and the alleged " creditor '' have provided my information without obtaining my proper consent. It is evident, as per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, that they must either possess my written consent or have legal authority from a court to share my information on my behalf. I want to make it unequivocally clear that I do not consent to the sharing of any of my information by these entities.
In accordance with the FCRA, I am issuing a cease and desist order to halt all illegal activities related to my information. This includes ceasing all forms of communication, such as phone calls and emails, and the dissemination of my data to any third parties without my explicit consent.
|
| 05/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a wage garnishment order ( XXXX ) from my employer dated XX/XX/2022 from XXXX. Prior to receiving this notification I had no previous contact or notification from XXXX. I contacted them to request a dispute several times due to the amount of interest and fees I the amount of {$7000.00} on a credit card bill with a balance of {$3500.00}. I think that is very excessive seeing what they most likely paid for the debt. I never received any information that would allow be to file a dispute. I have also requested a hardship form be sent to me several times which I have not received. There was never a judgment filed that I am aware of. My pay is now being garnished to the tune of over XXXX a month which is putting my other bills behind and I am also in jeopardy of losing my job because of this.
|
| 10/12/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/21, I called Transworld Systems to see if I could settle a debt with them. The debt outstanding is {$510.00}, and I told them I wanted to settle for 50 % or less, seeing as though the debt is 5 years old now. XXXX was the woman I spoke to, and she told me that the debt had to be paid in full. I tried again to get them to settle for less. The agent then told me that if I didnt pay the account in full, that it would stay on my credit report for the rest of my life. I confirmed this information with her to make sure I heard her correctly, but I know this isnt the case. There is a statute of limitations to credit inquiries that lasts 7 years. So she flat out lied to my face about it and I find that revolting. I wonder how many people she has scared into paying more than they actually have to.
|
| 07/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Nationwide Credit , INC has sent out several confusing letters attempting to collect a dent for XXXX XXXX in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. Nationwide Credit , Inc is a debt collector but XXXX XXXX is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with Nationwide Credit , Inc and give them permission to have my information.
|
| 09/27/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The same collection agency with a new name is trying to collect on an unfair debt! Pages from the original debtors which includes a lease agreement has been removed and the amounts have been abnormally inflated. XXXX XXXX is where the unrealistic amounts originated, then sold to NCC ( debt collections agency that called me multiple times daily ). The same company ( NCC ) has sold the debt to itself by adding it to their new name Transworld collections. The debt is still unknown, unfair, unauthorized, unverifiable and non-validated. I have proof of the original amounts that would have been charged if the debt was valid. The company removed the paper from my file ; but I kept mine and the proof will show below along with emails, dates that prove unfair late fees and trumped up charges have occurred.
|
| 05/31/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XX/XX/XXXX I paid off my loan in full. The total was XXXX and on XX/XX/XXXX another XXXX was withdrawn from my bank account. When I sent a request to get the refunded of XXXX I was told that it would take 45 to 60 days for the money to be put back into my account. I have tried calling multiple times to get a status on when this money will be put back into my bank account and every time I get the same round about answer that they will contact their accounting department that they can only reach by email and call me back in the next 24 hours. I have not heard back from the company since my call on Tuesday. Since I have never got a status on when the money will be given back to us it seems to be that they either do not have the money to give us or are just not planning on giving us the money back.
|
| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XXXX XXXX XXXX not able to close the dispute with XXXX XXXX XXXX, I stayed in XXXX XXXX XXXX ( XXXX XXXX XXXX ), during move out as per contractual agreement and final settlement I paid all the dues.
After a year, Collection Agency came to me stating that there is some due around {$59.00} with XXXX XXXX as they forgot to add 1 day extra rent in my final settlement.
I never get any communication regarding that due amount nither from XXXX XXXX via email/Mail/phone nor from Collecttion agency for almost a year.
I disputed my claim with Collection Agency stating its invalid as I had my final settlement letter along with me.
Also after a year XXXX XXXX cant come back with new new chargers.
I submitted all the evidences to the Collection Agency, still they are not able to resolve.
Thanks
|
| 03/14/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.
|
| 08/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a letter on XXXX offering a payment plan for a debt. Creditor name was present but no other details regarding the debt At XXXX MST XXXX I called the debt collector and requested they provide me the following : -copy of the original contact/receipt with my signature -full payment history from original creditor -proof they now own or have been assigned this debt The agent advised that the letter they sent was the only proof they could provide and anything further I would need to contact the original creditor for.
I told the agent they would need to provide the requested information in order to validate the debt and continue trying to collect it She continued to repeat that the letter they sent, which only provide creditor name and debt amount, was enough to prove they can collect on it.
|
| 02/15/2017 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me.
On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received.
I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.
|
| 03/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2022, I sent a letter to Transworld Systems Inc, regarding an inaccurate debt that they claim I owe. I asked for validation of this debt, as I do not believe that I owe anything. In addition to that, I also asked that further communication regarding this matter, should be handled via mailed correspondence.
Since receiving my letter, Transworld Systems Inc has yet to provide any sort of proof of said debt but they also continue to call my phone, repeatedly, from different numbers throughout the day. Transworld Systems Inc calls from different New Jersey area codes, since I have a NJ number, in hopes that I would pick up a call from New Jersey. Clearly this is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and subsequent actions should be taken to address this.
|
| 08/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
XXXX Phone : ( XXXX ) XXXX Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans world systems inc XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Time of call : XXXX local time Date : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Company : Trans world system INC.
Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Phone : ( XXXX ) XXXX Time : XXXX Local Date : XXXX The same debt collection agencies have attempted to contact me with the following numbers on these days. When asked for information about the company the agents refused to answer about where the company was located, company phone number, employee ID, refused to transfer to a manager, and refused to stop calling me then proceeded to call me before XXXX before i went into work.
|
| 05/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2022 the full invoice amount of {$170.00} was sent to XXXX. This payment was the exact invoice amount per the fedex invoice received. On XX/XX/2022 a call was made to Transworld Systems INC stating that the debt had been paid.
On XX/XX/2022 XXXX XXXX made a call to Transworld Systems Inc and was informed this was a debt fee and not the debt itself. This debt was disputed on the phone but no physical record of the result was sent to XXXX XXXX.
On XX/XX/2022 a new letter from Transworld Systems inc was sent to XXXX XXXX ( XXXX # XXXX ) stating that {$25.00} was due.
No payment was ever made through Transworld Systems and this fee is excess to the original debt that was already settled.
In addition, XXXX was called on XX/XX/2022 and they stated the account was fully paid already.
|
| 05/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I do n't know what the calls are concerning as I do n't owe any debtors other than those debts that are active and payments current. I have repeatedly requested Transworld Systems, Inc/XXXX XXXX - XXXX XXXX to stop the phone calls to my employer. Since my first request on XXXX XXXX via fax to the Transworld they have repeatedly ignored my four ( 4 ) faxes to stop the phone calls and since the initial fax I have received over XXXX XXXX documented phone calls to my employer. It 's threatening my employment as my duties are to answer phone calls. I want the calls to stop and Transworld to provide written documentation of the debt. To date no correspondence has been forwarded to my mailing/home address to dispute the claim. I need assistance immediately to have the phone calls cease to keep my job.
|
| 11/21/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I do not owe this company or covered bridge capital anything. The company states in the contract that unless I am paid for my injuries from the auto accident they dont get any compensation.
I have not received a penny from the accident. There is a contract stating this.
This company trans world systems is aware the debt being collected is fraudulent and is attempting to collect a debt not owed. I also have a contract stating this to prove this.
Please investigate this company and covered bridge for attempting to collect debts not owed when no settlement has been received. Since they both have violated the contract stating they will not collect unless I recover a accident settlement ( which I have not ) I now consider the contract void and any amounts they would have received to be voided.
|
| 02/10/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received services at XXXX XXXX in XXXX. They made several clerical errors in billing my insurance, and attempted to collect directly from me instead. My insurance company, XXXX for XXXX XXXX, XXXX XXXX XXXX investigated and confirmed that this was an error. XXXX continued to send demands in ever-changing amounts ( {$2300.00} on XXXX/XXXX/XXXX, {$1000.00} on XXXX/XXXX/XXXX ).
Transworld Systems Inc sent a debt collection letter on XXXX/XXXX/XXXX demanding {$200.00} on behalf of XXXX. XXXX also sent a letter on XXXX/XXXX/XXXX demanding {$1000.00}.
I never received a bill for {$200.00} from XXXX at any time.
Transworld is attempting to collect a debt amount that I have never been asked for, and the debt it is related to was investigated by my health insurance company and found to be invalid.
|
| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am contacting you regarding a company Transworld Systems Inc. ( TSI ). They have made numerous collection calls to my person cell phone attempting to collect a debt on a person I have no relationship to ( XXXX XXXX? ) and no relationship to this debt. Attached is a letter that further described this situation, verification my cell is on the national do not call registry, cease and desist letter, call log, documentation from cell phone carrier, and whiteness statement. I have also provided documentation of hundred of complaints that were submitted to the XXXX to support they are a repeated offender.
I have sent this via certified mail. I attempted to resolve this matter via e-mail and phone. My phone calls was not returned.
Thank you, XXXX XXXX
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent letters of dispute to this company requesting for valid validation and they laughed and hung up on me. they have reported this on my credit report. They refuse to give me who the client is. I have requested over and over to remove this debt I do not owe. I have never ever received anything from this company. except calls and hangs and call after XXXX. I have informed them if they do not remove this account that I do n't owe I will hire a lawyer they told me if I can afford this then pay my bill. I tried to speak with several different people that have names they refused to spell. I had attorney draft a letter and she spoke witl XXXX XXXX who told her they never got a letter., We have a copy of the signed certified letter. This is just another tactic of their violation of the FDCPA
|
| 01/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
I was recently XXXX with a chapter XXXX XXXX of XXXX from this debt of {$49000.00} with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Claim number XXXX They have now referred this XXXX debt to another collection agency " XXXX XXXX located in XXXX attempting to garnish wages and income taxes. I have contacted this company with the discharge letter from the state Trustee " XXXX XXXX of XXXX and they are still reporting me late and currently owing after proving my discharge, in addition they have SOLD this debt to another company who is attempting to garnish wages. I became ill dependent and unable to finish paying this debt acquired on XX/XX/XXXX. These people refused to honor documents and continue to report me late and now have sold a XXXX DEBT to another collection agency.
|
| 01/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021 a debt validation letter was sent to " TRANSWORLD SYSTEMS '' via " CERTIFIED MAIL ''.
On XX/XX/2021 " TRANSWORLD SYSTEMS '' updated my credit file with all 3 credit bureaus with an account they have not verified causing damage to my credit score and file.
As of XX/XX/2021 I have not received any correspondence from " TRANSWORLD SYSTEMS '' in regards to verify said account.
In pursuant to 15 USC 1692g 809 ( a ) and ( b ) " TRANSWORLD SYSTEMS '' is in violation of the Fair Debt Collection Act.
Violation # 2 if the original creditor " XXXX XXXX XXXX '' sold alleged debt to " TRANSWORLD SYSTEMS '', " XXXXXXXX XXXX XXXX '' CAN NOT continue to report on my credit file/s for the same alleged debt unless its a charge off which it is not listed as.
Alleged amount owed {$7700.00}
|
| 01/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Transworld Systems is acting as a collection agency for the State of Wisconsin to collect state income tax from me for a seven-year period for a total of {$12000.00}. The only sale I have made to a company in Wisconsin is one for {$3400.00} in XXXX. ( See the attached invoice. ) I have no sales presence, resellers, stocking sellers or any company activity located in the State of Wisconsin. All my sales are internet sales. I have never been to Wisconsin.
I have patiently explained all of this in detail to the State of Wisconsin and Transworld Systems, but keep getting auto-replies. I pay state income tax in the state of Idaho where my home-based business ( XXXX XXXX ) is located. I owe nothing to the state of Wisconsin or Transworld Systems.
Transworld 's latest letter was XXXX/XXXX/XXXX.
|
| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
Transworld Systems has a collections account for XXXX XXXX XXXX. The debt I owe is partially valid. However, they called me today at XXXX Mountain Standard Time. The address on file is my address located in XXXX, CO. My phone number and prior account with ADT was in Eastern Standard Time. They have sent collections notices to my XXXX, CO address -- thus they should know what time zone I am located. Simple SSN skip tracing will also show my moving in XX/XX/2016.
I called the phone number back and they read the debt statement to me per law. When I advised the agent their company had broken the law calling me the agent did not have a response. She stated they are in eastern standard time. And then continued to collect the debt from me. This call is a violation of the Fair Debt Collection Act.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Company is in violation of 15 USC 1692 ( d ) ( a ) ( I ), and 15 USC 1681 ( 2 ) ( 4 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Without limiting the general application of the foregoing, the following conduct is a violation as furnishing information has and is causing me to be oppressed.
( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Furnishing of a consumers credit report to order CRAs and without permissible purposes, and without my written unlawfully would make companies liable of criminal means which is proof of causing harm to my reputation which is unlawful.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 10/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I've submitted several disputes with XXXX and XXXX directly, but nothing is being resolved. I am disputing the {$1700.00} collection account on my XXXX report, because I do not owe {$1700.00} to Transworld Systems Inc, which is the collections agency trying to collect this debt. The original bill was for {$1700.00} and {$1500.00} was covered by my insurance bill, leaving {$240.00} remaining due to the original medical provider. XXXX XXXX XXXX, Transworld INC and XXXX are falsely reporting and trying to collect a wrong debt not owed. Every time I have disputed this, all I receive is an email or a letter from Equifax stating that they have verified that the debt is mine and has remained on my credit report. I do not owe {$1700.00} and I have provided proof attached to this formal complaint.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 04/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I was informed by my credit card company my credit score changed. I checked my score snd it had dropped 90 points! A collection was posted to my credit reports I had no knowledge of. I immediately filed a dispute with XXXX XXXX and then called the collection agency ( Transworld Systems ). I told them I had no knowledge of the debt, and they had not ever contacted me. The alleged debt was from 1988 in Ohio ( Ive lived in California for over 17 years. TSI first told me to file an identity theft report with the police, I said that was ridiculous and asked for a supervisor. I filed a dispute with TSI and am totally repulsed by their slipshod, fabrications attempting to collect debt. I have no derogatory remarks on my reports for almost twenty years and will not yield to these devious tactics.
|
| 09/24/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I actually never once received a bill from either the medical company or the debt collector. I only found the bill myself when I was purchasing a home and it was on my credit report. I called about XXXX numbers before I found XXXX working service. I paid the bill because I dont want it on my credit, but I never received a bill or phone call from either company. I had moved during the time of service XX/XX/XXXX until now XX/XX/XXXX but had my mail forwarded each time. I would have received communication had they called or sent the bill. This hospital had several bill for me during this time and never sent a bill to me for any of them. I now have to have this on my credit because the debtors wont take it off even though I never recieved anything for it and tracked it down myself and paid it!
|
| 02/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Payments to XXXX XXXX XXXX/Transworld : XX/XX/XXXX {$150.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$710.00} Total : {$990.00} This company had garnished my taxes last year on XX/XX/XXXX and I had made payments towards the balance due the previous dates listed above as well, but because of them charging me interest ( about XXXX $ ) every month, It had built up to the same amount balance I owed last year. Therefore I am just repaying the same amount I paid last year and the remaining balance due. Which is basically paying the total debt amount due twice instead of one time. Ive called the supervisor twice to resolve this issue and the company itself several times to resolve this issue but theyre saying even with me setting up a payment plan theyre going to charge me about XXXX $ a month anyway.
|
| 10/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am reporting this company for trying to collect on a fraudulent debt by XXXX, who I have spoken with and has agreed that all I need to send them is a police report, about the fraudulent account opened in my name. To which I have done. These people keep sending me emails and saying that I owe, when I never opened the XXXX account in the first place. I want these people to know that just like I warned XXXX, litigation will commence against them, Just as it will against XXXX unless you all remove this fraudulent debt from my credit reports IMMEDIATELY!!! And NEVER PLACE THEM IN MY CREDIR REPORTS EITHER.! ( XXXX, XXXX, & XXXX ) or according to my attorney, they will be sued to the fullest extent of the law permissible. Delete this fraudulent debt or face the consequences for said actions.
|
| 05/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Today, XXXX XXXX I found that part of my pay had been garnished by Transworld System. I have not received any phone calls or letters by this company before my wages were garnished. I did owe some money to the XXXX XXXX XXXX XXXX in XXXX but that was charged off and wipe from my credit report in XXXX. Also I was paying my taxes to California at that time and the statues of limitation for a company to sue for a debt is four years in California. right? Today, when I spoke with a company rep from Transworld, he said that they talk to me in XX/XX/XXXX about this debt but I was deployed to XXXX, XXXX with my family. So how did I talk to them while I was overseas. I disputed the charges with the company but the rep said they are still gon na take money from my check each month. Please help me.
|
| 08/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I moved out of an apartment and after moving out I noticed I had been sent to collections.
I asked for information as to what the charges where and I was told that I was in collections and they no longer had the information and stated that due to corona virus they were short staffed and could really help me. I was told it was " damage '' assessment after I moved out but I was NEVER notified and I wasn't aware of any damages.
I contacted the collections agency and told me that the only information they had was an amount and could give me further information.
I dont know where they are getting the amount from and no one is giving me information I was just sent to collections.
I asked for them to remove since I wasn't informed but they refuse to verify amounts or give me any proof.
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Transworld reported a debt not belonging to them.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Providing a copy of my last statement is not enough evidence.
The monies owed was paid to XXXX, the original creditor. Therefore, you should not be reporting this as a collection on my credit report.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 01/13/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
Younomics ( University Accounting Services ), a private loan servicing company, has reported my student loan in default for over 12 months. I am XXXX and have requested a deferment from the company. The company will not state the reason why it will not defer my loan. I did not originally receive the loan from Younomics and I suppose the loan was sold them for servicing. The default is hurting my credit and ruining my chances to purchase a car, home and other essentials. The company has harassed me on several occasions with threatening phone calls and letters. I have disputed the matter with my credit report, stating I 'm in-school and should be shown as " payment deferred '' however, the company has refused to indicate why I can not receive a deferment or other deferred payment options.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX AND XXXX HAS TRANSPIRED AGAINST ME TO REPORT INACCURATE INFORMATION ON MY CONSUMER FILE TO STOP MY XXXX GIVEN RIGHTS.
ON XX/XX/2023 XXXX POSTED A COLLECTION TO MY ACCOUNT WITHOUT MY WRITTEN CONSENT OR A VAILD BINDING CONTRACT. CONTRACT LAW HAS TO BE MUTUAL ASSENT AND CONSIDERATION ( VALUE ).
XXXX NEVER DID A PROPER INVESTIGATION TO SEE IF THE INFORMATION THEY ARE REPORTING IS ACCURATE.
ARTICLE 1 SECTION 10 OF THE CONSTITUTION STANDS AS TRUE AN NOT JUST A MERE WRITING. BELOW I HAVE WRITTEN A NOTICE. PLEASE READ AND REMOVE IMMEDIATELY FROM MY CONSUMER PROFILE.
THIS IS IDENTITY THEFT AND WITHOUT A BINDING CONTRACT AND WRITTEN CONSENT YOU HAVE NO RIGHTS TO POST INACCURATE INFORMATION ON MY CONSUMER PROFILE WITHOUT A VALID AGREEMENT BETWEEN THE COMPANY ( XXXX XXXX ) AND I.
|
| 02/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/ 2022 I received XXXX therapy at a XXXX XXXX XXXX XXXX office to treat an injury. XXXX billing department improperly coded the bill resulting in my health insurance denying the claims. After bringing attention to this issue, my health insurance resolved the billing code and I waited for an accurate bill to arrive. I had not yet received the bill from XXXX XXXX XXXX instead I received debt collection in the mail from TRANSWORLD SYSTEMS INC XXXX I called and explained the situation in Fall 2022 and said I would not pay the debtor, I would pay XXXX XXXX directly using my health insurance savings account. I received the XXXX XXXX bill in XXXX 2022 and I promptly paid the {$270.00} bill with the payment confirmation number written on the top right corner in the attached bill ; # XXXX.
|
| 07/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have always made my due payments on or ahead of time. I had fees on the account that I did not understand and called UAS, the loan servicer. After multiple attempts of holding and them dropping the call mid conversation I was unable to resolve the issue.
I went online to make my minimum payement, but the website would not process my payement. I called again to speak to customer service and they did the same thing, on hold for twenty or so minutes and once I got connected the rep dropped the call.
They reported me for 30 days delayed payement and ruined my credit score. I paid the amount due and they still have not wiped the incorrect reporting off my credit report, for something that it their own fault. I still have not been able to understand the charges that I was worried about.
|
| 03/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
An incorrect amount was submitted by XXXX XXXX to a collection agency " TRANSWORLD SYSTEM '' when I called the collection agency they did not have an right answer for me so I got connected with XXXX via my insurance rep. But XXXX also couldn't provide me an explanation why my balance were higher than insurance determined amount. See Attached letter that was faxed to XXXX along with the EOB from insurance which shows the actual amount that I should be responsible. I had lab work done on XX/XX/2020 after insurance payment/determination I was responsible for {$4.00} but XXXX sent incorrect amount of {$170.00} to the collection agency. Collection agency never sent me a notice/letter out to pay for or settle it. I faxed all the papers to XXXX on XXXX XXXX but did not receive any reply yet.
|
| 10/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Yes my name is and Transworld systems Inc/XXXX. I have never been contacted by this company by phone or writing no voice mail or any type of representation that I owed a debt to anyone recieved no mail. One hit from this company has already went against my credit recently as a day ago for XXXX dollars which if was aware of would have paid. Now I believe they are hitting me with another one as my credit monitoring has stated that they are putting another one against my credit soon. Again with no reporting to me or anything. I have not recieved a single bill statement notice to appear or anything. Was not given fair oppratunity to make right before going against my credit. I need help my credit is excellent and should not be ruined or tarnished for a company that's has never notified me.
|
| 03/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was notified that a collection agency reported a debt on my credit report in the amount of {$150.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Transworld verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Transworld and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Transworld requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.
'
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Moreover, XXXX XXXX XXXX committed aggravated identity theft when they resold my private information to Transworld Systems collection agency.
|
| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I've been disputing a collection account with Transworld System Inc for an entire year. I began sending written communication to them XX/XX/2020 & every XXXX after that until XX/XX/2020. To date, I still have not gotten a single response. I notified them that I'd paid my final bill with the original creditor XXXX XXXX XXXX XXXX XXXX Co XXXX before relocating & asked for verification of this debt. After sending multiple requests with no response, I sent several requests for them to remove this collection account from my credit report. Initially it was only listed on my XXXX credit report. Transworld Systems Inc has not only ignored my requests for deletion, they've now taken it a step further by adding this collection account to my XXXX XXXX XXXX credit reports causing further damage.
|
| 04/09/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I am currently being sued by XXXX XXXX XXXXXX/XX/XXXX and I believe the lawsuit falls under the consent order issued by CFPB.
I am filing a complaint so that if the plaintiff is violating the consent order by failing to withdraw the case, the CFPB can take proper action against NCT for the violation.
I am being sued under MD code 3-306 ( affidavit judgment for assigned consumer debt ), since the affidavits filed by the plaintiff are signed by a representative for Transworld Systems Inc, and they are swearing to personal knowledge of the debt, assignment of the debt, etc, I believe this qualifies as one of the lawsuits the consent order was attempting to address in paragraph 49.
I greatly appreciate the time of anyone reading this complaint. Thank you for your time.
-XXXX XXXX
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Tracking number : XXXX.
Damaged goods/package, that was scheduled and paid for to be shipped from the US to XXXX in XXXX. It was never ever received or delivered to the recipient, instead retained to the US after 1 month totally damaged, broken and fallen apart, while XXXX is trying to now charge me a the returned goods. The cause me damages for over {$3500.00}. Sending over 10 emails, placing phone calls and formal complains, the reps hang up on me and totally disregarded the issue. I want to sue them for damages and for them stop collecting on something that they are actually responsible for!! Now XXXX is send {$1600.00} to the collection agency by name Transworld Systems and trying to collect on the shipping charged than I never asked for and for the package that was damaged.!!
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
Transworld Systems Inc contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, Transworld Systems sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}?
This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}.
I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, Transworld Systems does report to them!!
|
| 09/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX would verify the debt. So I took it upon myself to ask XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both Transworld Systems Inc and XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since XXXX of XXXX . Transworld Systems Inc is claiming that I owe a debt of {$35.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
|
| 05/28/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
A derogatory remark from XXXX was added to my credit report in XX/XX/XXXX. The remark is being reported as a new collection account for something that is old. It is listed that the account was open in XX/XX/XXXX.
I contacted the company and was advised that the account was closed in XX/XX/XXXX. I spoke with three people ( a rep named XXXX XXXX, a supervisor named XXXX XXXX and a rep in credit named XXXX XXXX ). Neither of these people offered assistance in trying to resolve my concern. This company wants me to pay a debt and wait seven years for it to fall off of my report ( at that time it will be a 12 year old debt ).
The account appears to have been assigned or sold to another company and this company is reporting it as a new debt. They are not willing to correct my report.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I requested validation from Transworld System Inc concerning and account on my credit report and they have failed to send me all the documentation I requested. I have uploaded the letter that I sent to Transworld System Inc. pertaining to this matter. I am a victim of identity theft and have been for some years. This account does not belong to me. I take pride in my credit and as a consumer this is utterly ridiculous that consumers end up being victims of identity theft. The burden is not on the consumer to prove its not theirs. Its on the collection agency that state they purchased the collection account. I requested numerous things for this collection agency to send me and they have not done so. If this is not rectified immediately I will be forced to seek legal representation.
|
| 05/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
Hello, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have not had XXXX, XXXX insurance since over a year, and a half. I am XXXX on XXXX after losing my career, losing my life with a fire in the home. I called the only doctor I knew XXXX XXXX for my XXXX, and they said on the recorded line I did not come this day ; there are no fees. All others have had there time to file with past insurance before, but all ways paid, once I switched insurance I had bills claiming money. This is unfair. I need to work move on. 13 young men are in jail now. I can not afford the insurance I use to have, and have another. I reported to the state with incident, case numbers as well. This is fraud and remove pls. My credit is great. This is fraud. Trans world Systems In XXXX. XXXX XXXX XXXX, DE XXXX {$33.00}
|
| 09/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
dear Consumer Financial Protection Bureau : The debt collector TSI has incorrectly placed a {$2300.00} with XXXX XXXX on my credit report.
1. I was never notified of the debt, and it was placed on my credit report without due process. Attempted to have Transworld send confirmation of notification, no response.
2. Transworld Systems has inaccurately reported a delinquent information 3. The information submitted to the credit bureaus is inaccurate.
4. Transworld has improperly and deceitfully caused my credit report to be severely damaged.
5. I have attempted to request Transworld Systems to provide information on how to remove the damage and verification of the debt of {$2300.00} 6. Requested from XXXX to verify the inaccuracy of the debt and to provide sufficient evidence.
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Two dept collection agencies ; XXXX XXXX XXXX, Transworld Systems Inc., have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency XXXX XXXX XXXX reported a collection in the amount of {$1400.00} and the agency Transworld Systems reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.
|
| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Transworld Systems has placed a collection on my report in the amount of {$300.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. This is the THIRD time they have done this and I am taking legal action. I do not have any knowledge of this alleged debt nor have I ever received services from Transworld Systems. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
|
| 11/30/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
I just received another bill from XXXX XXXX XXXX represented this time by Transworld Systems Inc. ( just change debt collection agency ) For the amount {$23000.00}. Account number XXXX ( SLMSA ) (, and account # XXXX ) this is my social security number.In addition they send my information including my Social Security #, in a plane envelope, while the the contents could be anywhere compromising my identity.Again, It has been 13 years this loan is from XXXX. California Statue of Limitations is 4 years. ( Cal.Civ.Pro.Code 312 te seq ). I file Bankruptcy in XXXX, and this account from XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report and I don't have any XXXX XXXX XXXX.
This is now became harass, two different collection agencies send me bills.
|
| 08/23/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.
|
| 09/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}.
I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam.
Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording.
With that being said, please note we have never been to XXXX XXXX, CA
|
| 05/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
In 2016, the night before I XXXX from college, the right side of my XXXX became very swollen. My family had concerns that I might be having a XXXX so I was rushed to the XXXX. Turns I had an XXXX XXXX XXXX in my XXXX. I was prescribed medicine to resolve the XXXX and in a couple days all swelling was gone.
2 years later, when checking my credit score on XXXX, I noticed a late payment in collections. I further investigated and turns out this mark on my credit was from the XXXX. Subsequently, within days of my discovery I was then contacted by a collection agency advising me I had a late bill due. I immediately paid the bill in full. I would have paid the bill if notified but I received no notification of a bill from the XXXX and I wouldnt have, unless I checked my credit.
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Transworld Systems Inc on XX/XX/2019. The leeter stated they were collecting a debt for XXXX XXXX XXXX XXXX in the amount of {$260.00}. The letter also stated I had a past due account with the company ( XXXX ) who attempted attempted to bill the charges to my credit card, but the charges were denied. I have never used XXXX and I do not have an account with them. They have never sent me notices to explain any debt they believe I owe.
After researching online I have come to see this appears to be a common scam which may involve identity theft and theft of credit card numbers.
Earlier this year someone used my credit card number to place an order out of XXXX XXXX XXXX, but that charge was quickly discovered and denied. The order never went through.
|
| 07/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX has reported a business account to my personal credit bureaus.
This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal XXXX. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times.
XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold.
Nationwide Credit inc XXXX XXXX pa, XXXX
|
| 09/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.
|
| 04/06/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments.
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help!
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| 10/02/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I will attach a letter further detailing what went on, but basically, I bought a new car, the dealer never terminated the insurance with the old car, my new insurance guy said to ignore it as it will automatically be taken care of. I did that. Then months later I was informed the bill, which I don't owe, was sent to a credit collection agency and they've put the false debt on my credit report, thus damaging my credit.
This is the 2nd time XXXX has screwed me over which is why I'm taking this issue to you after having a 2nd effort with the XXXX to resolve this new issue unsuccesssfully.
I have provided ample proof I do not owe this debt and resources for them to call to verify which they have chosen not to do. I do not owe this debt and want it off my credit report now.
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| 03/24/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter on XX/XX/2021 stating that I owed a debt of {$18000.00}. It also informed me that I could dispute this and request verification of the debt which I proceeded to do. A written request for validation was sent on XX/XX/2021 via certified mail. Transworld Systems Inc. received the letter on XX/XX/2021. On XX/XX/2021, I received another debt collection letter from Transworld Systems Inc. stating that I could use my stimulus check to pay them. No verification was received, and to my knowledge they can not attempt to collect on this debt until 30 days from the request for verification. They did not provide the information requested, and they attempted to collect on the debt again. No reference to the request for verification was made on the most recent letter.
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| 07/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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TSI claims I made a payment to them on a loan they are allegedly servicing but have never verified, nor has the original owner XXXX XXXX XXXX verified/identified TSI as the loan servicer. On top of this TSI claims I made a payment on my credit report on XX/XX/XXXX, which is impossible as I was not aware of this entity until XX/XX/XXXX when they filed a collections claim on my credit report without ever contacting me ever in the past, though they also allege on my credit report to have been servicing the loan I had with XXXX since XX/XX/XXXX, outrageous since XXXX told me on phone conversation in XX/XX/XXXX that they did not know of any account in my name or with my social security number, which means they lied to me because on XX/XX/XXXX they now were able to find my loan.
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| 05/25/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it. They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''. They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer. I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option. I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.
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| 02/09/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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My loan was transferred to this company right after the loan was disbursed to me, and ever since then I have had multiple issues. I made a payment of {$30.00} on XX/XX/XXXX, however when I checked my account at a later date, the payment was never applied to my balance. After calling MULTIPLE times and speaking to multiple different representatives, there was still no resolution. I was always told that an account specialist would contact me but I was never contacted. I later made another payment on XX/XX/XXXX that was not applied to my account, and now my interest is much higher than it should be. The service from this company is disgusting and my complaints always fall on deaf ears. Every time I call no one acknowledges my concerns, and they always give me the run around.
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| 06/15/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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As I stated in my previous complaint, I have no business with this company. I owe and pay XXXX monthly and will continue to do so until this debt is paid. I will not pay Transworld Systems INC. an ything neither will I pay XXXX anything more than I owe in my contract with them. The information sent to me via this site is only information this company obtained from XXXX not validation I owe this company anything. There is no signed contract between this company and I so I ask that they not contact me any further if they do I 'd like them charged for harrasment of a creditor for a debt that 's being paid. I will provide the m one more time this information of my business with XXXX and they need to leave me alone. It is not legal to harass consumers for paid debts.
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| 07/30/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/2023 Transworld Systems Inc ( XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone # tel : XXXX ) reported to my credit file an account on behalf of XXXX. This account is not mine. I have never had an account or any agreements with XXXX or Transworld Systems Inc. I have not received any notices from XXXX or Transworld Systems Inc. The only notice that I have received was a notification on my credit file. I have tried reaching out to Transworld Systems Inc and have been unsuccessful. I have reached out to the creditor XXXX and they have verified that this account is not mine. I am requesting that Transworld Systems Inc remove their claim and my information from their system and from my credit file as this has adversely affected my credit and is affecting my business and life.
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| 08/10/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Transworld Systems Inc. is trying to collect a debt for an unknown, unverified parking violation for a car that I havent driven in almost two years and that I sold over six months ago. I never received any citation from the original creditor ( XXXX Municipal Court ) while the car was in my possession, nor is the debt on my credit report. TSI has sent me two collection letters. I disputed the first letter in writing and sent it via certified mail on XX/XX/2019. They ignored my dispute and sent another collection letter with interest added.
The first letter is dated XX/XX/2019 and states a balance of {$55.00}. The second letter is dated XX/XX/2019 and states a balance of {$71.00}.
They will not verify the validity of the debt, yet will keep sending attempts to collect.
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| 12/11/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Older American |
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On XX/XX/18 XXXX and XXXX XXXX received a phone call from a representative of a collection agent stating I XXXX XXXX am 18 months behind in payments therefore they must collect {$20000.00} from Mr and Mrs XXXX immediately. I have not received any correspondence from any company. Upon calling the number provided to me by my parents of XXXX I immediately got a voicemail stating I had reached Transworld Systems Inc. the voicemail requested acct number, name and social security number. The representative who called my parents threatened to continue calling them until they receive the full amount via wire transfer. The rep was advised of medical concerns of the elderly parents and they stated they would continue to call. I do not know who they are representing or what is owed
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| 12/05/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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This credit card, was fraudulently used on my behalf with in XXXX XXXX, Co. I have never resided or was XXXX in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. After my annual income tax wages were garnished to pay the delinquent amount.
When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. I sent a letter to XXXX XXXX XXXX to have them investigate. They did not acknowledge my 3 attempts. I have written letter on the following days : XX/XX/2018, XX/XX/2018, XX/XX/2018.
I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
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| 05/31/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have multiple hospital bills and they're all now with Transworld System " dept collecter agency '' ... in all my visits to the hospital I've been seen for emergencies and since the first visit when the financial assistance came to take my insurance information I told her I don't have insurance so she told me you could apply for HCAP which is an insurance can cover patients who have low income! and after I gave her my information she said that I'm eligible for % 100 coverage and I will not receive any bills ... so when these Bill 's reported on my credit report I contacted the hospital and they said it was a mistake from the financial assistance that she provided me the wrong informations!!! so now I'm stuck with multiple Bill 's for the hospital and I can't even pay it
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