Date Received: 2015-11-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have filed several complaints to this company and they insist on charging the wrong amount. It 's a healthcare debt for which my insurance has guaranteed I do not owe as much as the debt collection agency says I owe. The debt collection agency says the health insurance does n't cover it, which does n't make sense because the health insurance says that I do. I am unsure what road I should take now
Company Response:
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2015-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company TSI/XXXX changed the open dates on XXXX debts XXXX of them where medical and paid through medical assistance to XXXX hospital the open dates where changed to XX/XX/XXXX which is impossible for me to have gone to XXXX since it was bought out in XX/XX/XXXX the other is issue is XXXX which was openedopened a little over 7 years ago but the date was changed to XX/XX/XXXX
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2015-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I attended XXXX university online based out of XXXX, florida which is now closed I believe. I have XXXX loans through university accounting services or UAS, which was formerly XXXX. XXXX of the loans was reduced due to school being bought, filing bankruptcy and the other never was. im being told and I think that I should not be held responsible and have to pay for these loans and have them reported to my and cosigners credit as my degree is not considered valid and I can not or have not obtained a job in the field I so called graduated in. please help. I also have my federal loans deferred while waiting on the courts decisions on loans being discharged due to the school being a horrible school and no validity with the degree or classes I took.
Company Response:
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2015-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-10
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: In reaction to a previous ruling by the CFPB, i stopped payment to XXXX XXXX Services. However, they responded by selling my loan to UAS ( University Accounting Service, LLC ). It was to my understanding that anyone that a genesis loan was sold to, must obey the same stipulations that were set forth in the previous agreement. On a further note, on XXXX XXXX, 2015 a federal judge ruled in saying that XXXX are solely responsible for any outstanding XXXX Loans, and that the students are not. UAS has now threatened to send my accounts to collections, as well as report my nonpayment to the credit bureaus. I am disputing both of these actions, and also arguing my defense to repayment.
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2015-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Consumer Complaint: They call before XXXX XXXX and frequently during a day without leaving any messages. I asked several times to not call me but it did not work. They claim that they are debt collector but their information is wrong. When called back operator asked me for my personal information ; I hang up without disclosing anything. Their numer on caller ID is ( XXXX ) XXXX, and the displayed name is " Maryland ''. Automated voice does not pronounce company name clearly enough : " ... World system Incorporated ''.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2015-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems INC, a debt collector reported that I was delinquent even after I made payment of complete agreed upon amount towards settlement. Transworld Systems INC had confirmed that they will not report if I make the full settlement payment. After I called and informed they corrected their reporting error, but the harm was done by then in terms of incorrect reporting to Credit Bureau 's resulting in my lower score for the month XX/XX/XXXX. I would appreciate if corrective actions are taken before incorrect report is sent to credit bureau 's. XXXX XXXX
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2015-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-09
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I was never notified of this debt before it was placed on my credit report. I received no notification of any kind. The first I knew of this debt was when the collection companyplaced it on my credit report. If I had received any notification I could of paid it ( whichI have ) I do not think it is ethical or fair to place something on by credit report without eversending me anything requesting payment.
Company Response:
State: MI
Zip: 48313
Submitted Via: Web
Date Sent: 2015-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Transworld Systems Inc. is trying to collects a debt I do not owe from their client XXXX in XXXX Texas XXXX. I NEVER signed any documents, never received any copies of my signature of a membership due to the membership being a gift from my mom. Because of a gift, I owe XXXX and do not wish to pay the amount due to something I never signed up for. I want this disputed and off my credit report. Every document has my mothers signature, Please talk with this company and remove me off the list and all lists. Thankyou
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2015-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: 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.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2015-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: 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.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No