TRANSWORLD SYSTEMS INC

2015-12-10

Tampa Palms, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Miami, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Amelia City, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Okc, OK

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: University XXXX XXXX - Private student loan with National Collegiate TrustI 'm a mother of XXXX boys, and at this time, my boys were very little so being able to leave my home to go to class was impossible. I saw the University XXXX ( XXXX ) commercial and decided to call. The counselor I spoke to was nice ... suckered me right in! He told me that my husband and I did not make enough money and I would need to take out a private student loan on top of the grant and financial aid just to pay for school. The counselor even showed me where to go online to find lenders. National Collegiate Trust was the lender, I was the low income naive person perfect enough to take out the loan ... .but to make matters worse, I drug my now ex-husband down with me ... he co-signed. I did n't have enough credit to borrow money, but together with my ( at the time ) husband, we could borrow. I wound up taking out XXXX loans - both together total {$30000.00}. I wish I had thought about it then, I would have done things totally different. For one, I would NEVER attend XXXX, they are liars and my credits would n't even transfer! For two, I would have NEVER taken out any private student loans! They do NOT follow federal guidelines! Moving forward .... A man came to my employer and served a coworker. I was being garnished by XXXX ( Collection agency for National Collegiate ). I did n't even know I had been sued?? So I file a claim for exemption because now I am a single mom raising XXXX boys with XXXX small income. I agree to allow a garnish of {$50.00} per week. Then a horrible event takes place ... .I get laid off. I file unemployment and wait the agonizing time it takes to actually receive an unemployment deposit. While waiting for the first deposit, I call XXXX, XXXX, & XXXX to see if they will continue to accept my {$50.00} a week from my personal account, and of course, they will not. They have already started to garnish my ex-husband {$800.00} a week! He is lower income and helps to support his daughter and our XXXX grandbabies. I have to add that this all took place one month from XXXX. I went to the courthouse and filed a claim for exemption for him. I will update on the status of that hearing set for XX/XX/XXXX at XXXX. I have been researching and from what I have read, you have to be served to be sued! I was never issued a summons in the first place, and neither was my ex-husband. Also, if private student loans are to be treated as federal loans, then why are they allowed to garnish 25 % instead of the max federal can garnish which is 15 %? National Collegiate wants me to pay back {$30000.00} in 7 years! I thought student loans were 30 years? Also, and this part is important ... ..why would n't my private student loans go into deferment if they follow federal guidelines? Lastly, If private student loans are not discharged in bankruptcy, they why do they have to get a judgement before they can garnish ; whereas, federal student loans do not have to seek judgement. Sounds like private student loans should be considered credit cards or regular loans to me. I will never be able to pay back {$30000.00} in 7 years and neither will my ex-husband. If we could do that, we would be driving around in really nice vehicles! My vehicle is a XX/XX/XXXX, I live in an all-bills-paid apartment complex in a lower income neighborhood. Please help me in any way you can! If they continue to garnish my ex-husband, that only takes away from our individual family needs! How will we live?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Brooklyn, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Hartsville, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-07

Moorpark, CA

Improper contact or sharing of info

Debt collection: Non-federal student loan

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Woodland Hills, CA

Disclosure verification of debt

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

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

Disputed: No Timely Response

2015-12-07

Baltimore, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Abram, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-12-07

NH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: Transworld Systems Inc., at XXXX XXXX XXXX, XXXX, NY XXXX has been persistently attempting to collect a debt that I do now owe. The amount they are attempting to collect is {$120.00} for services rendered by XXXX, a medical services company. I have paid this with my Flexible Spending account. I have provided Transworld Systems the payment processing date ( XX/XX/2015 ), payment ID, and transaction number. They have not responded other than trying to collect the amount.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-06

Aventura, FL

Improper contact or sharing of info

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

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

Disputed: No Timely Response

2015-12-05

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

NY

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Complaint: Transworld Systems inc bought out XXXX. through XXXX I did the loan rehabilitation program. They did not follow throgh on their legal agreement. Now they are refusing to send me in writing the original application and terms and agreement of the loan. The ombudsement group is useless. Who is going to make these people reaponsible? You already let them get away scott free for calling my job and trying to collect on the debt which is illegal. Now they are refusing to provide XXXX with documentation about the loan rehabilitation program.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Sycamore, IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Beloit, WI

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Bonita Spgs, FL

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Saint Petersburg, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

North Hollywood, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: My office has been getting calls repeatedly from Transworld Systems regarding debt and Garnishment of wages, for a debt XXXX. They have been told, that this is not me, they have faxed garnishment paperwork, when I called in on it I was told if it was not me I could disregard the paperwork. I continue to get calls at the office regarding this issue. It is clear with the information they have available that someone did a quick XXXX search of the debtors name and took down the information that came up, that is why they only have my name and office number and address only. I work hard to keep my business up on XXXX search results. I informed Transworld Systems that the address listed under the debtor information was not mine, that I have not lived in XXXX and the last XXXX of the SSN on the account file number was not mine. I have never gone to school XXXX. I am also sure that the middle name of the debtor is not mine although I was not able to get this information, and was hesitant to give them mine as I was unsure if they would just plug it into the information blanks that they apparently had. Either way, I have asked them not to call, and I have told them I am not the individual they are looking for. Yet they seem to be making no effort to find the correct individual and attempt to garnish my wages, with information regarding another person who happens to share my first, last name and middle initial. I have never even been to XXXX other than a layover.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Greystone Park, NJ

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Gr, MI

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Bohemia, NY

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-11-30

Torrance, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: Hello I attended XXXX Ca XXXX XXXX in 2011 .... I was convinced into taking out a private loan with XXXX thinking I could use the deferment program for a while until I was able to get back into school again and pursue a higher paying career. I was making deferred payments of {$20.00} a month up until about 4-5 months ago when I recieved a letter stating that XXXX would no longer be handling my loan and that UAS known as University Accounting Service would be taking over my loans and that my payments would now be {$40.00} a month!! I could barely afford the deffered payment of {$20.00} a month already so I called a few times to see what was the increase for but never recieved a response or call back. Do I have any options available since the XXXX act had been passed upon for relief of former and present students with XXXX Private loans active?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: Upon beginning classes through the XXXX XXXX XXXX " XXXX '' XXXX, I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX XXXX XXXX ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a XXXX student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account Service, LLC from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, XXXX XXXX XXXX. XXXX XXXX a ) ), XXXX and the XXXX XXXX for XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-29

OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: My student loan was transferred to University Account Service, LLC from XXXX. However, University Account Service is not reporting my payments to the credit agencies.
Company Response: Closed with explanation

Disputed: No Timely Response