TRANSWORLD SYSTEMS INC

2016-01-11

NY

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I have a private student loan through XXXX XXXX XXXX and they use XXXX XXXX XXXX, XXXX. They have no other repayment options besides just making the monthly payment. They only have XXXX small forbearance period and it is just not enough. I am not going to be able to pay the full amount my lending institution is asking for. Once my deferment for school ends in XX/XX/XXXX, they will be asking me to pay almost {$600.00} monthly. I am only working for a non-profit that does not pay much at all. I attended XXXX XXXX College in XXXX, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Washington, DC

Improper contact or sharing of info

Debt collection: Medical

Contacted me after I asked not to
Complaint: Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Bonsack, VA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Arsenal, PA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-10

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-09

El Paso, TX

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

Katonah, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: UAS which finances classes at XXXX over stepped it 's boundaries by compounding debt where there was none and then calling me 6-9x/day - constantly to pay. NYS financial law disallows certain practices as usury. Dodd-Frank also disallows certain predatory practices by lenders. UAS circumvents this by having its back office in MO and it 's collectors in NYS. This is illegal and the States ' Attornies General need to clamp down on this predatory lender and harrasser.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-07

Val Verde, TX

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-07

Northwoods, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Williamsburg, VA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Fort Mill, SC

Improper contact or sharing of info

Debt collection: Payday loan

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Virginia Bch, VA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

N Hollywood, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Burke, TX

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Bartlett, TN

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Bloomington, MN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: My wife and I have been receiving calls from a company claiming that we have an outstanding medical bill. They said they can take payment over the phone and that a form of payment has been mailed to us. We called the doctors because we were/are not aware of any outstanding medical bills. The doctors office told us that they do not even use a collection agency and that our account is up to date and paid for. The calls from the " debt collector '' will not stop
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Tampa Palms, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Antioch, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Wesley Chapel, FL

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-02

Hinkley, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-02

FL

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-01

FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Mc Farland, WI

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Hot Springs, AR

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: No Timely Response