Date Received: 2015-08-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-26
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: 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.
Company Response:
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2015-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The lawn service company " XXXX '' was discharged from servicing my property in fall of XX/XX/XXXX. The company continued to treat my lawn in spite of my denying and without my permission. I paid them XXXX payment with a clear note that I will not pay any future payments. XXXX continued to treat my lawn in XX/XX/XXXX and in XX/XX/XXXX without my permission. Now they want me to pay them the charges that I do not owe them. Now they have employed TRANSWORLD Systems to collect the debt. I need for you to inform the collection company to stop the mail to my address. Also, I want to ensure that this does not affect my credit score. Please, advise. XXXX
Company Response:
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-25
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The collection agency has placed a judgement against me and on my credit report, the person owing the debt is not me. The collection agency has the wrong person, the person they need to contact my son. The collection agency should have done a more through background check and failed to realize their mistake.
Company Response:
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2015-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-23
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2015-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2015-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-20
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: 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.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2015-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-19
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes