Date Received: 2015-12-29
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: 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
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2016-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-29
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: On XXXX XXXX, 2015 I received a letter from Transworld Systems threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of Transworld Systems , Inc and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld System Inc. is continuing to try to collect a debt my insurance company and myself have paid. I sent them the receipts of payment, and they send more letters saying I have not argued the debt so it is valid. I can not use their online system as they have not sent an access code. The debt is invalid and they keep mailing letters.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Sent a transmittal letter saying a account has been placed with agency for collection. I am a XXXX year old women and spent most of my time XXXX. It is not possible for me to have a debt of {$10000.00}
Company Response:
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 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.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: There is hidden transaction and unauthorized soliciting by undue interference.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: 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
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Medical claim that was considered at a in-network benefit and XXXX XXXX XXXX XXXX XXXX XXXX processed as a out-of-network benefit. Insurance advised not to pay the difference of XXXX and a dispute letter and appeal claim was opened on XXXX/XXXX/15. Because the charged amount was not in allowance and was billed at 780 % over XXXX allowance an insurance fraud review was opened. XXXX XXXX XXXX XXXX XXXX XXXX was advised to accept previous payment of myself and insurance. No additional bills were sent, and insurance company nor myself received an appeals response from XXXX XXXX XXXX XXXX until this collector letter was received by myself on XX/XX/2015.
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2015-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I signed up at XXXX 's XXXX XXXX in XX/XX/XXXX. I moved from the XXXX area XX/XX/XXXX, and cancelled my service with the gym within their contract by providing them the rent agreement. They still charged me for 3 months, and each month I disputed through my credit card, got my money back, talked to a manager who told me it was " fixed ''. During this, my credit card changed due to the incorporation of a chip, which was mandatory, and the charges naturally stopped appearing due to a changed CC number. Now it is 1.5 years later, and I received a debt collection notice in the mail.
Company Response:
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2015-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No