Date Received: 2016-06-01
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: XXXX XXXX XXXX had threaten me with a garnishment even though there is not a judgment against me at all. My federal loans were in deferment and my private loans were the only ones past due. I have complained to XXXX XXXX about XXXX, there are several complaints about them online about given misinformation on purpose. I have complained to the XXXX Department of Financial and Professional Regulation in XXXX because their behavior is illegal per XXXX law. XXXX claims XXXX is a lender when they are not, it is illegal to say that. NCT is a XXXX trust not a lender which has to be disclosed on the paperwork sent by them.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-01
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: 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
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2016-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-31
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I do n't know what this debt is. I am a XXXX veteran with VA insurance. This debt has caused my credit rating to be lowered to XXXX. I can only assume this is some kind of XXXX visit to a private hospital and they did n't submit this claim to the VA.
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2016-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2016-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-01
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: The issue is that I did not receive proper documentation. I had no idea that this bill had gone to collections until I logged into XXXX and looked at my score drop from the XXXX to below. I never even recieved this bill before it went to collections. Once I found out what the bill was for, I paid it immediately online. It has been removed from my XXXX report/score but not my XXXX. My Fico credit score has dropped significantly because of this and I would like it removed.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2016-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-30
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Hello, I went to XXXX in XXXX, MI. I read an article on the way XXXX defrauded student loans. I, too, was in school at that time and had XXXX of those XXXX loans. I feel that I should not have to repay the remainder of that loan based upon that lawsuit against them. My loan, no doubt, has been sold to UAS ( University Accounting Services ) LLC. The address is : XXXX, MN XXXX. Any help would greatly be appreciated.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2016-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-27
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: 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
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My friend worked at the car rental company and charged me a discounted rate and then when he left the company and I was longer renting I received this bill for unknown use
Company Response:
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2016-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX charge appeared on my HSA showing XXXX/XXXX/16. This was paid via the HSA on XXXX/XXXX/16 and the check cleared on XXXX/XXXX/16. The minute clinic continued to send bills and I sent copies from the HSA showing it was paid yet they continue to dun me. Now they have sent it to collections. I shared the proof it was paid with them and they still continue to try and collect.
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-23
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: 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.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No