TRANSWORLD SYSTEMS INC

2018-10-12

Laurel, MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-10-10

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-10

Blackbird, DE

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Transworld Systems has reported a collection account on my credit report I didn't know was there. I've never received any information or had any contact with this company about this collection account. I have not been given any opportunity to verify the validity of this alleged debt nor have I gotten the opportunity to dispute the debt with the company. I submitted a dispute with TransUnion credit reporting agency and of course they say the company has validated the debt. I have no idea how that is even possible since I have not been in contact with this company nor have I been provided with any information regarding this debt. Transworld Systems has illegally reported this alleged collection account on my credit report and is in direct violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!
Company Response: Closed with explanation

Timely Response

2018-10-10

Discovery Bay, CA

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Complaint: XXXX XXXX XXXX, the servicer on my XXXX College Loan, updated to a new online borrower portal called XXXX XXXX in XXXX and XXXX of XXXX. I have been repaying this loan since XXXX ( with autopay for the last several years ) without incident until the switch to XXXX XXXX took place. A problem with my autopay on or around XX/XX/XXXX set off a series of events I will detail below that culminated in 2 late payments and a negative effect on my credit score - this all despite my extensive and well-documented efforts to pay my loan and re-set up my autopay via email and phone. I think that there was an internal problem on the part of XXXX when they switched over to the XXXX XXXX system, and that this problem was compounded by an inability or unwillingness on their part to help me fix it. I would like ( 1 ) for my credit to be restored, and ( 2 ) for the two recent missed payments to be removed from my record. All attachments are labeled A through I and referenced as such below. In XX/XX/XXXX I received an email ( A ) that XXXX was anticipating system down time while they upgraded to the XXXX XXXX online borrower portal. I was informed that no late fees would be assessed in the month of XX/XX/XXXX, and there was no indication that action needed to be taken on my part to continue my recurring payments ( that had been set up and working well for years ). On XX/XX/XXXX I received an email that the switch to XXXX XXXX was complete and that my account was active ( B ). On XX/XX/XXXX I received an email that I had a new document on the XXXX XXXX system to review ( C ). This document showed that as of XX/XX/XXXX my account was current, with an automatic debit of {$140.00} ( my usual amount ) to take place on XX/XX/XXXX. Great. On XX/XX/XXXX I received another email that I had a document to look at. This document, dated XX/XX/XXXX, stated that my account was PAST DUE in the amount of {$180.00} ( D ). This was a surprise to me. I logged on to the website and viewed my payment history ( E ) and indeed, the status of the XX/XX/XXXX autopayment was " failed ( unapplied ) ''. I tried to pay online then and there but there was a problem with the system and I was unable to make the payment ( as happened to me again, on XX/XX/XXXX ). I tried to call, but it was after business hours. I was able to try to establish that my autopay was still set up, and received an email confirmation that autopay was indeed set up on my account ( F ). On XX/XX/XXXX, the date my autopay was set to debit from my account, I received an email that " due to my request '' my autopay had been cancelled ( G ). As the loan was due that date, this resulted in my account now being TWO MONTHS OVERDUE. I did not request for my autopay to be cancelled at any time. On XX/XX/XXXX I called XXXX XXXX customer service to sort out why my autopayments were failing ( on XX/XX/XXXX ) and being cancelled without my knowledge ( on XX/XX/XXXX ). Importantly, I also had my credit card out and was about to pay the balance of the bill, but the representative STOPPED ME, saying she " saw two different due amounts listed '' and that she would refer me to their account specialists to see how much I owed, and would follow up with me. She never followed up. There should be a quality assurance recording of this phone call. I could have paid my bill that day, but she advised me against it. I am sorry I followed her advise. I told her of my concern that my credit could be affected by my unpaid balance, she told me the account specialists would look into it. Notably, she asked if I was using a XXXX Bank account to pay my bill, which I thought was strange. I have an old XXXX Bank account that I closed years ago, and have used my XXXX XXXX XXXX account to make payments on this loan for years. I have a suspicion that when the switch to XXXX XXXX took place, the XXXX Bank account was erroneously used for my autopay and this is why my autopayments began to fail at the exact same time they switched their system. Just my hunch. Not my fault, and I shouldn't have to pay for their mistakes with my own credit score. On XX/XX/XXXX I received an email that again I had a document available on the XXXX XXXX website. I viewed it and to my horror, it showed that my account was still {$360.00} past due ( H ). I thought at least the status would be suspended due to my recent phone call and active case with customer service. I immediately tried to pay the account online but there was an error. I wrote an email to customer service detailing that I had just tried to pay online but couldn't, and requested that they fix this problem right away, and was met with the response " we will refer this to our account specialists. '' ( my email not attached but available ). On XX/XX/XXXX I called customer service again. I was able to pay the balance this time over the phone, bringing my account current. I also set up autopay over the phone yet AGAIN and thought the issue was resolved. I again asked her to ask about fixing my credit and again she said she would refer me to their account specialists. On XX/XX/XXXX I received an email ( H ) that again, my recurring payments had been cancelled, again without my knowledge. On XX/XX/XXXX, I went online and just paid the balance that was due XX/XX/XXXX ahead of time as I just wanted to feel secure that I was not going to be late on any more payments. The status of my account now is that it is current, and my next payment is due XX/XX/XXXX, supposedly as an automatic debit. I will, of course, be checking that day to make sure the payments go through and will pay it manually if there is ( again ) a problem. Throughout this ordeal the customer service has been lacking. Clearly, there was some kind of hiccup with my account when they changed their systems and the end result is that after trying to do the right thing at every turn and work with their customer service time and time again, I now have registered late payments for XXXX and XX/XX/XXXX that are affecting my credit. I'm trying to buy a house and this is really affecting me. They don't seem to be willing or able to set up my autopay correctly and work on reversing the damage they've done to my otherwise super stellar credit. My last recourse is to file a complaint with this agency.
Company Response: Closed with explanation

Timely Response

2018-10-10

Saint Clair, MO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I applied to return in school in XX/XX/2018, I was advised by finance dept that i had a loan in default I have had student loans for many of years and i have always keep them in good standing i did not understand what was happening I researches NDSL and saw that a federal perkins loan for the amount of {$150.00} was deffered i called numerous places including XXXX they were very rude and stated i would have to pay the money i advised that I never attended the class i advised it was a online and i dropped she stated that they dropped me and i was charged for the full class. they then advised me i needed to call XXXX I spoke to them and they said I now owe {$220.00} i explained I was never advised of this they said it was nothing they could do he gave me information to apply for a forbearance and how to consolidate my loan i first tried to do a forbearance they just had a form did not state that any document were required i filled it out and submitted i got a email advising it was rec 'd after 7 days no response i called XXXX they said i was denied because i did not submit a check stub. i asked why was i not advised of this i got no response and was told to resubmit with check stub, again i got no response i called again a rep placed me on hold and told me i was not in default and they would have to clear my account it will take a few days i called back again 5 days later and was advised the same thing she told me to watch my email. i never got a email so i emailed them. they responded statingmy account was not in dafault it just accerlerated which means it is only past due but not in collections that my account is under a full defferal and i wont have to pay until XX/XX/2018 i sent another email on XX/XX/18 asking for a good standing letter so that i can proceed with school. i then got a reply from XXXX stating that they can not give me a clearance letter because the account is past due that i have a gap in the account from XXXX i sent a reply which they never respomded to asking why each time i call or email i am advised something totally different i also send the email in which they sent telling me my account was clear. i also advised that since i was not sure how they were going to handle my account I consilodated my loans and included this perkins amount I advised that they rec ; d that info as well and should be able to send my clearance letter i still have not gotten a response. I would like to know if there is anything that can be done at this point i think they are attempting to do what ever they can to avoid me from going back to school what ever complaint i can file to get then to release my letter and clear my account i would like to do
Company Response: Closed with explanation

Timely Response

2018-10-09

Glen Burnie, MD

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-10-09

Weslaco, TX

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: TSI is attempting to collect on a debt they no longer have any legal right to collect on and reporting these collection accounts on my Credit report. This is debt has been transferred to another agency and this agency has filed suit for the collection of these two accounts XXXX is the debt owner and on XX/XX/2018 XXXX and XXXX filed suit on these debts and on XX/XX/2018 TSI reported these debts as new collection accounts. I have already hired the XXXX XXXX of XXXXXXXX XXXX to respond to this suit and I will be filing further suits against XXXX and TSI if this can not be resolved promptly. I have been dealing with this situation for 18 months and have made numerous offers to settle the debt in full if I could be provided with proof they were the owner of the debt and that they would enter into a payment plan which laid out payment in full. But I was given the run around by 7 agencies and now I am being sued. COPIED EMAIL : XXXX XXXX XXXX AttachmentsTue, XX/XX/XXXX, XXXX XXXX ( 6 days ago ) to XXXX, XXXX, secretary I am writing as I have not received a response to a certified letter that I sent on XX/XX/18, and since that letter I have been served with a lawsuit by another debt collector for the accounts listed below : XXXX Alleged Amount Due : {$27000.00} XXXX Alleged Amount Due : {$14000.00} I have attached a pdf of the letter that was mailed to TSI and which I have already received the return receipt to confirm that your office has received the letter I sent. Nevertheless, this email is a final attempt at direct communication and resolution to this matter. If TSI does not remove the collection account for all three CRA from mine and/or any assigned cosigner the next correspondence your company will receive will be from my attorneys office XXXX XXXX of XXXX XXXX XXXX XXXX. It is illegal for your company to place a collection account with any CRA if there is a pending lawsuit that questions the validity of the debt furthermore I have documented evidence that TSI illegally entered into a payment agreement on an invalidated debt and that you entered into this agreement with me as I was under duress of other pending legal action. I am requesting that this collections accounts be removed from all CRAs within 10 days from today XX/XX/18, and that you send me a copy of all the requests to have these collection accounts removed and a notice in writing that you will no longer be reporting this debt as you are not the entity who has filed suit for this alleged debt and you are no longer legally allowed to attempt to collect on this alleged debt. Please also inform XXXX that I will be filing a counter suit in response to the suit they have submitted against me for this alleged debt. Sincerely XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-09

Patterson, MD

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: First, I would like to state that I made the same complaint ( XXXX ) recently about XXXX XXXX XXXX, however ; my comment was sent to XXXX XXXX XXXX not XXXX. Please send to XXXX XXXX XXXX, as they own the loan. XXXX XXXX XXXX continually raised the interest rate on a loan I was paying every month, making my monthly payments unaffordable. I was, at the time, paying at least {$75.00} more than the minimum payment due in an effort to decrease my principal amoubt and XXXX increased my interest rate 9 times in a single year. When i contacted the administrator XXXX, they told me that there was no option of repayment negotiation or payment plan via XXXX and I had to keep paying. My monthly payment is {$200.00} per month minimum ; that is ridiculously unaffordable.
Company Response: Closed with explanation

Timely Response

2018-10-09

MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am a XXXX, XXXX XXXX Veteran with very limited income, trying my best to get my life back in order. Please help! I was XXXX in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my XXXX XXXX XXXX XXXX XXXX XXXX credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from prison in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the XXXX XXXX XXXX XXXX XXXX XXXX and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called TRANSWORLD SYSTEMS INC. ( TSI ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was incarcerated. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to TSI via certified Express mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to prison ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XX/XX/XXXX ) can apparently be collected as a federal debt would, through garnishment.
Company Response: Closed with explanation

Timely Response

2018-10-08

AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I received a notice through my credit monitoring service that a change to my credit information had occurred. Upon investigating, two debt collection activities were identified against my credit by XXXX from Transworld Systems , Inc. ( TSI ) on XX/XX/2018, one in the amount of {$2000.00} and the other in the amount of {$71.00} with the accounts listed as " N/A. '' I have not received any other notification about this debt, and my credit history has been outstanding, with nothing to which I can attribute this debt collection action. I believe this to be a fraudulent act.
Company Response: Closed with explanation

Timely Response

2018-10-08

Rockwell, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018 I a toll by mail toll booth on the XXXX bridge. I never recieved any bills by mail. On XX/XX/2018 I recieved a collection letter from Transworld systems requesting {$110.00}, {$17.00} for the toll and {$100.00} violation fee. I called Transworld to dispute this charge. Today I recieved a letter from Transworld stating dispute is resolved and that I do owe {$110.00}. My dispute is with XXXX XXXX XXXX XXXX for not sending any bills. I have tried to contact them directly to no avail. I have gone through the same toll booth on two additional times,XX/XX/2018 and XX/XX/2018. I have not recieved any bills. My fear is that I will be receiving additional collection letter from Transworld in the future.
Company Response: Closed with explanation

Timely Response

2018-10-07

Long Beach, CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2018-10-06

Minto, ND

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Trans World Systems has been posting a delinquent debt. They indicated on my credit report that I owed XXXX XXXX about {$85.00}. I received no notice of this debt, and thought when I moved all my debts were settled. I called XXXX and requested validation of the debt in the form of a final bill, last XX/XX/XXXX. None came. This again poped up on my credit notifications, so again, I reached out to XXXX XXXX, and after much discussion, I believed the explanation that I owed them money. They switched systems and a supervisor sent me validation. I paid the roughly {$85.00} owed via check to XXXX 3 weeks ago. I called TransWorld and they had no record of the debt using my account number with XXXX XXXX. I no longer owe this debt. It keeps posting as a new delinquency on my credit report and it is harming my ability to borrow money at reasonsble rates. Please ask them to stop, please help.
Company Response: Closed with explanation

Timely Response

2018-10-05

Queens, NY

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I fully paid off a loan with XXXX XXXX XXXX ( XXXX ) on XX/XX/2018. However, I had forgotten to cancel an automatic monthly payment to XXXX from my bank, which made an additional payment of {$82.00} on XX/XX/2018. Starting later inXX/XX/XXXX have made several attempts with XXXX ( 6 times so far via their messaging systems, the latest of which was sent earlier today, as well as XXXX times on the phone ). Despite my repeated calls and messages, XXXX seems to have no coordinated effort in attempting to resolve this issue. Several agents have promised call backs - none of whom have followed through. Furthermore, each time I reach out by phone I have to explain the situation, even though they claim that my account has been " notated '' on several occasions. UAS first estimated a 45-60 day from the posting date of the original payment for the refund to be processed. When I called against in XX/XX/XXXX, XXXX claimed that a check had been mailed out to me. I informed them that I did not receive it, requested that the check be voided, and, if possible, for them to directly deposit the refund into my bank account, as they should have the necessary information to do so. It has been 120+ days ; XXXX has taken no action to re-issue the check and failed thus far to provide any satisfactory answer as to why this process has become TWICE as long as their maximum estimated time needed to process a refund.
Company Response: Closed with explanation

Timely Response

2018-10-05

Buffalo Grove, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-05

Greggton, TX

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-10-05

Olmos Park, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-10-05

Lake Worth, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-04

Detroit, MI

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: XXXX XXXX XXXX ( a unlicensed debt collection agency ) on behalf of Transworld Systems and XXXX XXXX XXXX XXXX XXXX filed several lawsuits that resulted in default judgements between XXXX-XXXX and one lawsuit in XXXX/XXXX where I was provided with incomplete information showing ownership and chain of custody. This deceptive information included an affidavit stating that XXXX owned the loan in question along with a promissory note and other documents. I have never been given the requested chain of custody/assignment that shows XXXX owns the loans in question per y numerous requests. I have filed unsuccessfully motions to set aside these default judgments. I have since been garnished of both my state income refunds and paychecks. I have received debt collection letters dated XX/XX/XXXX & XX/XX/XXXX from Transworld Systems and XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding these loans. XXXX is a servicer who is reporting these loans on my credit report as of date that included incorrect information. XXXX stated in a prior complaint filed with CFPB that they only have information from when they obtained these loans in question in the years XXXX-XXXX, however, upon calling XXXX they were the servicer on all loans upon date of origination on all loans in question. XXXX is reporting on my credit report to contact current furnisher, without knowing who truly own these loans its impossible to do so.
Company Response: Closed with explanation

Timely Response

2018-10-04

Rockford, IL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I filed a chapter & bankruptcy to legally discharge the supposed debt I have with XXXX XXXX XXXX XXXX XXXX. This was presented to me as a private loan through XXXX XXXX that could be used for college expenses or personal expenses not related to school. Obviously, not one dime of this money was used toward college or I wouldn't owe the federal government over {$80000.00} in student loans today. My credit report is showing this matter as having been closed ( see attachment ). I already paid over {$2000.00} to XXXX, XXXX XXXX XXXX after the bankruptcy because I was unaware that they had no right to further collect on a discharged debt nor could I afford an attorney at that time. My current attorney sent a letter to them last year which subsequently led to the debt being removed from my credit report as closed. I was served with suit papers with a court appearance scheduled for XX/XX/2018 in XXXX XXXX court by XXXX XXXX XXXX the latest law firm to take over these collection practices. They had attempted collection last XXXX via mail and I replied via email that this debt was legally discharged via Chapter XXXX and brought up the lawsuit by Consumer Financial Protection Bureau against XXXX that stated collection could not be pursued while the audit of over 800,000 records was in process.
Company Response: Closed with explanation

Timely Response

2018-10-04

Beyersville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have been contacted nearly every day for the past 2 months by a debt collection agency called TransWorld System. The calls are coming from a XXXX area code in XXXX XXXX XXXX but it is a different number each time so I can not block their calls. I have several copies of the recorded messages left. Each time I am asked to call XXXX to speak with " XXXX XXXX XXXX '' and when I call I get a collector. I was informed that they show this number belongs to XXXX XXXX and I do not know anyone by that name. I am promised everytime that my number is added to their do not call, but it never happens and the calls continue. I have been as polite as possible but now my frustration level is very high as I can not make it stop. Please do something about this lack of concern for my privacy which is now bordering on harrassment for a debt that is not mine. It appears someone made a keystroke error and my number was listed as the contact. I attached a transcript of the last call I did not answer on XXXX. I was contacted last at XXXX on XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-04

VA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I have been in active repayment via autopay ( ACH ) with my Health Professional Student Loan ( HPSL ) from XXXX University and serviced by XXXX since XXXX. On XX/XX/XXXX, XXXX took over XXXX as the loan servicer and continued to withdraw funds from my account via ACH without issue. I received a late fee notice in XX/XX/XXXX that a payment was missed and I spoke with a representative on XX/XX/XXXX @ XXXX who processed the payment immediately. The next scheduled payment was for XX/XX/XXXX and I received a statement on XX/XX/XXXX stating " The total amount due plus {$500.00} is schedule to be automatically withdrawn from your account on XX/XX/XXXX. '' The amount due on the statement is {$710.00} for the HPSL loan. It is clearly indicated on the statement as the " Total amount due '' and the note on the statement clearly states " The total amount due plus {$500.00} is schedule to be automatically withdrawn from your account on XX/XX/XXXX. '' This led me to believe that everything was back on track with the autopay agreement. Unfortunately, on XX/XX/XXXX, I received another notice that the payment due on XX/XX/XXXX was never processed by XXXX and that I was now TWO months past due and this was reported to the credit bureaus. I have made multiple attempts to work with XXXX directly but with no progress. I was told via email on XX/XX/XXXX by XXXX that " We didnt stop your automatic payment, it automatically stopped due to the transition of both servicers. '' and that is why payments didn't go through for XXXX or XXXX. However, this transition occurred on XX/XX/XXXX and since that date, FIVE automatic withdrawals for this account were successfully completed by XXXX until XX/XX/XXXX. Furthermore, their website clearly states that borrowers do not need to do anything if they are currently enrolled in autopay through XXXX, as I was. So, I have been enrolled in autopay with XXXX since XXXX. The website states that after the transition on XX/XX/XXXX, borrowers do not need to re-enroll in autopay to continue with autopay. Every due date since XX/XX/XXXX had successfully accepted payment via autopay ( proving the representative wrong in that I needed to re-enroll because it automatically stopped ) until XX/XX/XXXX when I discussed the issue with a representative. They now state the representative told me in XXXX that I needed to re-enroll and in XXXX, my billing statement for XX/XX/XXXX clearly confirms that I am enrolled in autopay. I never receive a notice in XXXX that the account was past due and on XX/XX/XXXX, I'm told the account is two months past due and a negative report was submitted to the credit bureau. I have not received any answer as to why they were able to process FIVE separate autopay withdrawals after they took over servicing the loans in XXXX although they state in an email that " We didnt stop your automatic payment, it automatically stopped due to the transition of both servicers. '' They can not explain why my statement clearly states that the total due will be automatically withdrawn on XX/XX/XXXX and have in fact requested a copy of that statement ( which I sent them )! Also, they can't even explain why there is actually an overpayment resulting in a credit balance of {$93.00} to the other loan being serviced on this account! Everything about how they handled this since XX/XX/XXXX has been a complete debacle and the most insulting part is they refuse to remove the negative reporting as they state " we practice fair and accurate negative reporting ''.
Company Response: Closed with explanation

Timely Response

2018-10-03

Norwalk, CT

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-10-03

Bowie, MD

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-10-02

Batavia, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response