TRANSWORLD SYSTEMS INC

2015-08-19

Albuquerque, NM

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

2015-08-19

Jackson, MS

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: Yes Timely Response

2015-08-19

Chicago, IL

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Augusta, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
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: Closed with explanation

Disputed: Yes Timely Response

2015-08-19

OR

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Orion Twp, MI

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Stkn, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: XXXX XXXX XXXX CA. I had a student loan with XXXX loans which has now been transferred over to XXXX XXXX XXXX XXXX from XXXX and would like to know if I was included in the CFPB settlement. My Story below!! I have a loan with XXXX XXXX. My loan was part of the closing of XXXX 's college. I was XXXX of the many student 's with XXXX XXXX of XXXX Ca when they closed their doors and filed bankruptcy. Leaving all of us stranded with with no where to go. I was taking classes for XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing XXXX XXXX money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out by XXXX. We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on both my accounts along with my mom who is the co borrow. Thank You
Company Response: Closed

Disputed: No Timely Response

2015-08-18

Oviedo, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-17

New York, NY

Communication tactics

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

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-16

Arlington, VA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-15

Bethel Park, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Dupont, IN

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-08-14

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Wallington, NJ

Communication tactics

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

Frequent or repeated calls
Complaint: I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

MI

False statements or representation

Debt collection: Auto

Indicated shouldn't respond to lawsuit
Complaint: the policy with XXXX was never renewed due the fact of the changes on the policy. The representative of XXXX on XXXX in he city of XXXX XXXX XXXX, XXXX XXXX tripled the policy amount by including under my insurance persons I did not know and never met. This was brought to the attention of the representative as soon as XX/XX/XXXX. After the disagreement several changes were made with which did not agree still. After that phone communication with XXXX 's NEW assistant I walked in the office to let tem know what I did not wish to have them as my agents any further and that I was shopping other places for insurance. as a matter of fact I am insured now under XXXX and when XXXX representative XXXX XXXX fond out that I got insured Though XXXX send a false bill to TSI. Note I received the debtor 's false collection only days ago, XX/XX/XXXX.XXXX should be ashamed of being represented by thieves. this claim can be supported by e-mail contacts between myself under XXXXXXXXXXXX and XXXXXXXXXXXX. That might be the reason why the representative did not include the electronic communication. respectfully, XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Penn Yan, NY

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Clermont, FL

Can't repay my loan

Student loan: Non-federal student loan

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

Disputed: Yes Timely Response

2015-08-13

Ocklawaha, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: contract cancelled with XXXX yet they kept billing. when they did not receive payment on what was not owed them, they had a collection agency try to collect. this agency TRANSWORLD SYSTEMS was notified XXXX in writing that this was not money owed and they continue to sent these harassing notices to an XXXX year lady.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Silver Spring, MD

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Complaint: I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Davie, FL

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

2015-08-12

Central Heights, IA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Lancaster, TX

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-08-11

Odell, OR

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

2015-08-11

Discovery Bay, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I attended XXXX college in XXXX California XX/XX/XXXX-XX/XX/XXXX upon enrolling I was told that i would n't have to pay anything until after i graduated ; however, some time later i got called into the financial aid office telling me that my loan was n't gon na cover all of my tuition. They made me take out a " Genesis '' loan and told me i would have to make payments while i was at school or they would n't allow me to continue. Some time later after the closure and lawsuit of corinthians I get a letter in the mail saying my " Genesis '' loan was being moved to another company called XXXX. I was told that i would have to pay this no matter what.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Saint Augustine, 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