TRANSWORLD SYSTEMS INC

2015-08-31

Pinellas Park, FL

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

2015-08-31

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Louisville, KY

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

2015-08-31

Coldwater, KY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Valrico, FL

Communication tactics

Debt collection: Medical

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Flint, CA

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

2015-08-31

Everett, WA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I have student loans from XXXX XXXX called XXXX loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX to the new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. As of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Bronx, NY

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Company has informed me that the statue of limitations has expired on the debt and it is a violation of the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq, to sue for a debt which the statue of limitations has expired. However if i do n't reply to this letter they have sent me or pay the debt in full they will issue a wage garnishment to my employer. And stating again " the only way to prevent this is by paying them in full ''
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-30

East Millstone, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-30

LA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: Hello I 'm writing this complaint for the online school of XXXX University XXXX of XXXX, FL XXXX. I recently filed a complaint with CFPB for the loan servicer of XXXX XXXX while in that time XXXX XXXX wrote back stating that as of XXXX another company will be my new loan servicer and that new loan company is called University XXXX XXXX, XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I mean how could this be if the school I attended turned out to be a fraudulent school the Department of Educations should have stopped this back in the early XXXX 's when they were being investigatored. On the bottom of this it says " Which of these best describe your issue? Getting a loan has it right fraudulent loan but it does n't give me that option. I had to go with Dealing with my lender or servicer and marked Do n't agree with the fees charged.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-30

Buda, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-30

San Jacinto, CA

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Complaint: There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

WY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I had XXXX defaulted private student loans. I have attempted to correct the issue with the business, but they have continually refused to speak with me since I live out of state. My father had cosigned on the loan and he is now against major legal action and he is scared to death ... I have attempted to work with the creditor, the court and various attorneys to correct this issue, but there is no one who is willing, or able, to help. I feel I am finally in a good financial place, but I am unable to work with this organization because they continue to refuse to speak with me. Because I do not have a legal background, I was n't able to defend myself properly, even though I did give it the best shot I could. I attempted to file a motion to dismiss with the court, but unfortunately it was denied. Again, I am willing to work on the issue with the creditor and have attempted in a variety of ways, but they have refused to work with me since they are filing their lawsuits in XXXX while I reside in XXXX. Attached are the requests I made to have the cases dismissed. The court denied both requests. Thank you.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-28

Oxford, GA

Communication tactics

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

Threatened to take legal action
Complaint: I received a phone call from Transworld Systems Inc. regarding the balance owed on my XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I spoke with them, I advised them that I am able to pay the balance of what I owe, {$3500.00}. They, instead, advise me that I now owe {$5200.00} on this balance. I conducted my own research on this company as I was having issues with fraudulant activity occurring on my account. Upon doing this, I found that many individuals have incurred unfortunate situations with this company as I have already ; to include paying their balance with funds continuing to be taken out of their incoming funds. I have personally encountered obscene, profane and abusive language, threats of garnishing wages, freezing any bank accounts and that they would take any check I have until they get the full {$5200.00} amount owed. They additionally threatened to freeze my SSN and advised me that they will make sure that I will not be able to make any purchases or obtain any new jobs until they get their full amount of {$5200.00} owed. Their lack of professionalism or willingness to work with me in any way was not provided to me as an option. Additionally, they continue to not provide me with a valid explanation as to why there was {$1700.00} additional dollars added onto the amount I owe. Upon the instances where I tried to contact this company, I have been hung up on XXXX times, deferred to other individuals who claimed they were unable to help me, and when I was able to finally reach someone, obscence language was used along with given multiple threats with no help being offered. Again, I am able to pay my balance of what I owe, {$3500.00}, but they are not giving me this option and are not advising me of why these additional charges have occurred. I 'm unsure of how to proceed, but would like this matter taken care of. I would like to pay my balance, but will not provide money to a company that has a history of " losing '' balances paid and will not provide me with an explanation of why the account increased.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Jupiter, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: TSIXXXX {$24000.00} account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX FLORIDA XXXX JUSTIOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote : This is not my bill. I did contact the Department XXXX XXXX XXXX and was told I should not of had this go to collections and it would be removed. I t has not be removed yet
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Northbush, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Key Biscayne, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks. However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX. I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present. As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Columbia, WA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Saugatuck, CT

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

2015-08-27

Hagerstown, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Braden River, FL

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-08-27

Montgomery, MA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Spring Hill, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Glendale, CO

Taking/threatening an illegal action

Debt collection: Non-federal student loan

Sued w/o proper notification of suit
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: Closed with explanation

Disputed: Yes Timely Response

2015-08-26

Hinsdale, IL

False statements or representation

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

Attempted to collect wrong amount
Complaint: Transworld Systems Inc sent me a letter attempting to collect a debt and additional collection fees. I attached the paperwork showing the additional fee. Furthermore the debt has been paid off. Also they have the info under my maiden name XXXX XXXX and the account number they had on file was XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response