TRANSWORLD SYSTEMS INC

2017-12-17

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. I am attaching my insurance copy and also attaching a copy of the debt collection. I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-12-15

Maplewood, MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2017-12-15

Conesville, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-12-14

Boston, MA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-14

San Francisco, NM

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: The original student loan in the amount of {$20000.00} was discharged in a Bankruptcy hearing in XXXX ( see attached ). Even though this debt was discharged, the federal student loan corporation kept harassing me to make payments on it and accept the debt. At the time, I was working as a XXXX for the XXXX XXXX and was afraid it would impact my career, so I opted to pay on the loan to stop the constant harassment. This was the era when there were very few to no consumer protection rights regarding debt collector harassment tactics. Even the Department of Education utilized many debt harassment tactics that would be considered unjust and illegal in todays world. Over the years, I made payments and at certain periods of time the account went into a deferred status and I stopped making payments for a period of time after my lawyer told me that this debt was fully discharged in bankruptcy court and that I should not have been making any payments to the Department of Education or any other entity claiming to own this account. This account eventually fell into a default status and that is when the Department of Education brought in XXXX XXXX XXXX to aggressively go after the garnishment of my wages. I elicited the help of a lawyer ( XXXX XXXX XXXX ) to represent me to the Department of Education regarding the aggressive tactics taken by XXXX XXXX XXXX and their attempt to garnish my wages. After in-depth research into my case, my lawyer crafted a letter that explained how the bulk of the original student loan was dischargeable under Bankruptcy Law ( see attached letter ) and that XXXX XXXX should not have been allowed to garnish my wages. XXXX acquired this account from XXXX which in turn took it over from an aggressive and now defunct debt collector named XXXX XXXX XXXX who were hired by the Department of Education to garnish my wages as previously mentioned. XXXX is currently showing a total current balance of {$70000.00} on a {$20000.00} original student loan that I have paid approximately {$85000.00} to {$90000.00} towards over the years since its inception, but have not been given any credit for by them. XXXX refuses to acknowledge the amounts that were garnished ( 15 % net income ) from my paycheck from XXXX to XXXX which totaled in the amount of {$49000.00} ( see attached ), not to mention the thousands of dollars I have already paid to date on this account. I feel XXXX has been highly deceptive and fraudulent with how they have represented this account. They have refused to allow me any options for the repayment of it at a reduced rate until such time that I could get someone at their company to hear my case. I have provided them documentation showing that I have paid this account in full, however they refuse to acknowledge the documents I have provided nor do they respond to any requests for an audit of this account. In addition, XXXX is actually being more underhanded and fraudulent with this account by adding onto the balance the unsubstantiated unpaid interest that they supposedly inherited from XXXX. I have also requested a lower interest rate ( currently 8.25 % ) and they have stated I am not eligible with no further explanation as to why? There are currently several lawsuits against XXXX for the very same fraudulent and underhanded practices that I have mentioned above.
Company Response: Closed with explanation

Timely Response

2017-12-14

Arvada, CO

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I have been called 5 times since Monday, XXXX XXXX 2017 by XXXX XXXX XXXX XXXX. They have no account associated with my name or phone number, but they continue to call anyways. I have requested to be placed on their do not call list 3 times, the first request being over 48 hours ago ( on Tuesday, XXXX XXXX 2017 ) and they are still calling my phone. The most recent call was today, Thursday, XXXX XXXX at XXXX.
Company Response: Closed with explanation

Timely Response

2017-12-14

Hobart, IN

Getting a loan

Student loan: Private student loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2017-12-13

Billings, MT

Written notification about debt

Debt collection: Private student loan debt

Didn't receive enough information to verify debt
Complaint: I noticed this debt listed on my credit report. I have never had any dealings with XXXX XXXX or its subsidiaries. I attempted to get this corrected but it still shows on my credit report.
Company Response: Closed with explanation

Timely Response

2017-12-13

Katonah, NY

Incorrect information on your report

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

Account status incorrect
Complaint: Transworld Systems is falsely reporting a medical collection for {$96.00} from XXXX that does not belong to me, that was not authorized by me, that I do not recognize, I do not owe, and could not possibly be enforced in court. Bottom line, I had zero doctors visits in XXXX and zero medical issues over that period. There is no way I ordered any medical services that could have given rise to any legitimate debt. Upon several requests, Transworld has repeatedly refused to provide any specific proof and medical records to validate this alleged collection -- in particular, they have provided no : ( 1 ) details of the contract underlying the alleged amount, ( 2 ) proof that I ordered any medical services, ( 3 ) substance and details of the medical services that are alleged to be ordered, ( 4 ) substance and details of the doctor that ordered any of these alleged medical services, and ( 5 ) substance and details of any medical conditions that would warrant or be associated with the medical services they allege were ordered. In addition, they have provided no proof the alleged medical services were in fact delivered and received, and that the alleged medical provider in fact performed and completed their duties under the alleged contract. That is a required and critical element of a valid contract -- without that, there is no contract. Having possession of some of my personal information does not verify this alleged debt ( e.g. social, address, name ) as that does nothing to substantiate the particulars of their claim. Moreover, i was one of the consumers whose personal information was hacked and compromised by XXXX -- and therefore a higher standard of verification is required. They have continuously, prejudiciously and illegally continued to verify this alleged collection with XXXX, knowing full well that ( 1 ) XXXX XXXX verification standards are extremely lax, ( 2 ) that they outsource their collection efforts to minimum wage employees in the XXXX and XXXX with limited command of English, ( 3 ) they routinely ignore consumers ' disputes and only superficially investigate, if at all, ( 4 ) they have routinely breached consumers ' data privacy and rights under the Fair Credit Reporting Act, and ( 5 ) they have been repeatedly reprimanded by state Attorneys General and federal agencies. Transworld is reporting this alleged collection to XXXX in order to wrongly extract payment on a note that it specifically knows, and should reasonably know is unenforceable and is invalid. XXXX and XXXX very quickly and expeditiously deleted this collection account when challenged. I ask that this collection notation be removed from my credit report immediately, that Transworld cease and desist, and that it agrees not to on-sell this incorrect collection. Details of notation on my XXXX credit report Transworld Systems Inc ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; Original Creditor XXXX XXXX ; Amount {$96.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$96.00} ; Individual Account ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX DE XXXX : ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2017-12-12

Colts Neck, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2017-12-12

Detroit, MI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-12-12

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-12-12

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XX/XX/XXXX XXXX XXXX closed my account. I started to get monthly deductions on my my military pay ( LES ). I have the LES that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my LES XX/XX/XXXX it shows the balance owed to the XXXX XXXX at XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter saying that I had a balance of XXXX. owed on my XXXX XXXX and they were collecting it. I informed them it was paid off and had my pay stubs ( LES ) to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XX/XX/XXXX to XX/XX/XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XX/XX/XXXX XXXX XXXX took my wife 's and my XX/XX/XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my military pay statement deductions. If it turns out after making the comparison between my LES 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company Transworld Systems. Can you please help me?
Company Response: Closed with explanation

Timely Response

2017-12-09

Bloomington, MN

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN
Company Response: Closed with explanation

Timely Response

2017-12-09

Washington, DC

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: I started paying back money I owe to a company the collection agency ( Transworld Systems , Inc. ) was working on their behalf. I still owe one more payment ( {$57.00} ) when the collection agency disguise themselves as a contact from my personal cell phone list. It appeared as a work number from one of my friends. When I opened it, I recognized the number from collection agency. It began on XXXX XXXX to the present.
Company Response: Closed with explanation

Timely Response

2017-12-09

Brisas De Canovanas, PR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: The debt was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was paid for on XXXX XXXX, XXXX for the amount of {$170.00}. I was informed that my balance is in XXXX. Recently I have been receiving letters from Transworld Systems Inc. indicating that I owe {$190.00}. I contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial department to inform them, and they assured me that they had contacted the company XXXX times to inform them that my balance is XXXX and that I should n't worry. I have received a total of three letters so far still trying to collect the amount mentioned above. I would really like them to stop. Since it 's the weekend, I ca n't contact them by phone. pd. Money Order # : XXXX XXXX {$170.00} / Provide me an email where I could send a fax or email to be able to send proof of all receipts.
Company Response: Closed with explanation

Timely Response

2017-12-08

Hamburg, NY

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Complaint: This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well. The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. XXXX, NY 140-1License required. " No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Company Response: Closed with explanation

Timely Response

2017-12-08

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-12-08

MI

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX. You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.
Company Response: Closed with explanation

Timely Response

2017-12-08

Five Points, NC

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: ( 1 ) XX/XX/XXXX - received a letter from my previous student loan holder ( XXXX XXXX XXXX/XXXX ) that they sold my loan to XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX XXXX . Tried to contact both for updated billing statement but XXXX " could not find me in the system anymore because of the transfer. While XXXX " could not find me because it 's a new account. '' ( 2 ) XX/XX/XXXX - received the first bill from XXXX already stating I owed more than what 's due because of a late payment from XXXX record ( which by the way, no one can find proof of, and my bank shows on-time ( not late ) payments sent by ebill. Usual due payment is {$170.00}, but I had to pay them {$190.00} for a late fee of {$20.00}. After so many back and forths with both companies who still could n't find me but was quick to tell me how much I owed, I paid the higher amount while they promise refund after due " investigation. '' ( 3 ) XX/XX/XXXX came with multiple bills from XXXX : - 1st statement : XX/XX/XXXX showed the correct due amount of {$170.00} with {$0.00} additional Fees Due. - 2nd statement : XX/XX/XXXX showed an on-time payment of said {$190.00} from the previous month ( XX/XX/XXXX ) and a due amount {$150.00}, but there 's an additional Due Fee of {$20.00}. Now, I 'm confused. - 3rd statement : XX/XX/XXXX showed same info as above XX/XX/XXXX - 4th statement : XX/XX/XXXX showed same info again as above XX/XX/XXXX. ** all these statements have different tracking Document ID numbers ** ( 4 ) XX/XX/XXXX XXXX bill came with interesting charges : - statement XX/XX/XXXX showed an early receipt ( XX/XX/XXXX ) of last month 's payment of {$180.00} ( more than what 's due ) ; an added Due Fee of {$20.00} ; and a total due amount of {$240.00}!!! So, I paid early & more than what 's due from the previous month bill, and then I get hit with extra charges! - I called customer service who was struggling so much looking for me on file. He knows I owe, and have, late fees ( which he could n't explain why ), but he ca n't find anything else, or he has " no access to my information. '' After several more back and forths, and multiple requests to speak to someone else or his supervisor, he finds me in the system! He confirms they received my payment on-time as I confirmed with my bank, and states " it was an error in their system upgrade. '' Bids goodbye and gives a promise it wo n't happen again. ( 5 ) XX/XX/XXXX bill was not improved. - statement XX/XX/XXXX showed early/on-time receipt of previous month 's payment of {$180.00} on XX/XX/XXXX. Showed {$0.00} Fees Due. But a Past Due Amount of {$84.00} and Total Due of {$260.00} - I call again. The same painful situation of " sorry ma'am, I cant find you in the system '' despite trying multiple personal data that should be on the record. She even went as far as asking me where I went to school? ( does not matter! ). After, yet again, another painful extended period of time on the phone, asking for the supervisor, she finds me! Confirms receipt of payments on time and apologizes for " upgrading system in error. '' She confirms due amount should only be {$170.00}. Supposedly corrects the problem, and this wo n't happen again. ( 6 ) XX/XX/XXXX comes along with yet another wrong bill. - statement XX/XX/XXXX : shows on-time payment again with the amount paid more than what 's due ( XX/XX/XXXX, {$180.00} ). {$0.00} Additional Fees. Past Due Amount of {$81.00}. Total Due of {$250.00}! - Customer service briefly struggles to find in their system, and again uncertain what the extra charges were for. Speaks with her lead and tells me they are aware of the problem and cant do anything about it until XXXX XXXX XXXX XXXX tell them something. CSR continues to say XXXX is just the billing system. I cant even find a contact number for XXXX! So in the end, I was told again only to pay whats originally due ( {$170.00} ) and ignore other charges while XXXX XXXX XXXX investigates the matter. Meanwhile, these " past due charges '' are increasing by the month! As you can see, I pay on or before due dates of each month, and a little extra for principal payment ( {$180.00} instead of the due {$170.00} ). How many times must I call to correct this problem? How much stress and harassment must I endure to correct this problem while the supposed unexplained " past due charges '' increase? I am certain I am not the only one being billed erroneously. This can account for thousands, if not millions, of fraudulently collected money. Please help! Please advise. Thank you.
Company Response: Closed with explanation

Timely Response

2017-12-08

Gloucester, MA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-12-08

Scottsdale, AZ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Since I reached a settlement on my private student loans with XXXX XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX I have made an initial payment to XXXX XXXX XXXX XXXX and, I have made regularly scheduled montly payments as well through XXXX XXXX 'XXXX website ever since. XXXX XXXX is now XXXX XXXX XXXX. XXXX XX/XX/XXXX as I was trying to make another regularly scheduled online payment I received an error message for only one of my file numbers ( XXXX at {$74.00} a month payment ) that I pay my student loans on. The website said, " Invalid file number, last name, and or zip code. Please enter valid information or call our office for instructions ''. XX/XX/XXXX I called XXXX XXXX XXXX XXXX and they said XXXX XXXX XXXX their client pulled the loan back on file number XXXX. I asked for contact information and documentation. They told me to please contact XXXX XXXX XXXX at ( XXXX ) XXXX. I called XXXX XXXX XXXX at the phone number provided, but it rang and rang before going to voicemail. I left many voice mails between XX/XX/XXXX and XX/XX/XXXX, but I did not receive a response. XX/XX/XXXX I called XXXX XXXX XXXX XXXX around XXXX XXXX Arizona time and I spoke to XXXX XXXX. XXXX XXXX gave me another number to contact which was XXXX and transferred me to a voicemail for an attorney named XXXX XXXX after I asked for documentation. I was told she would get back to me quickly. XXXX XXXX 's phone number is XXXX ( XXXX ) XXXX extension XXXX. I left a voicemail but did not hear back quickly. XX/XX/XXXX I called XXXX and was greeted by XXXX XXXX at Transworld Systems Incorporated. XXXX was very nice and was confused as to why XXXX XXXX XXXX said they were no longer collecting payment. XXXX gave me another number for XXXX XXXX XXXX at XXXX. XXXX said he spoke to his boss who was calling XXXX XXXX XXXX to try figure out why XXXX was no longer collecting payment on file # XXXX and that XXXX would get back to me quickly. 4 hours later no phone call as promised from XXXX at Transworld Systems Incorporated. My complaint is I feel trapped that these intertwined companies are trying to trick me into breaching my settlement so that I will forced to pay the full amount on my agreement, instead of the negotiated agreement, by passing the buck/responsibility, and playing a game of guess where the loan is so I ca n't make a timely payment. I have not received documentation that file number XXXX has been transferred back to client XXXX XXXX XXXX in connection to XXXX XXXX XXXX. Despite receiving numerous phone numbers for XXXX XXXX XXXX from XXXX and Transworld Systems. I have yet to have anyone from XXXX XXXX XXXX contact me by phone, email, letter, or text and I have yet to get a phone number that works in terms of reaching someone at XXXX XXXX XXXX. Transworld Systems Incorporated claims they do n't know what is going on even though they are on the checks cashed by XXXX, they were able to look up my file, and while XXXX XXXX was helpful in terms of giving me phone numbers I did not receive a phone call back as promised from Transworld Systems Incorporated. XXXX XXXX XXXX while answering my phone calls has not provided proof my loan has been pulled back by their client XXXX XXXX XXXX whom they were collecting payments on Student Loans for from me. All contact numbers they gave me besides Transworld Systems Incorporated did not work for XXXX XXXX XXXX. Please help me get some clarity on what in the world is going on with my student loan for file number XXXX. I will attach the original agreement including the other file numbers for loans I am paying on time per a monthly basis. Along with proof of payments and the error message that showed up I took a screen shot of today on XX/XX/XXXX. This was the same error message that popped up on XXXX 's website on XX/XX/XXXX. I believe these private student loan companies are using Federal Student Loan Protections for them while not adhering to Federal Student Loan guidelines for protecting borrowers. I was harassed into signing a settlement that took months to agree upon and put my life on hold despite the loans surpassing the statue of limitations in Arizona where I was born and have always lived. Lucky for these Private Student Loan Trusts, Companies, and Collection Agencies they can base statue of limitations on whatever state they decide such as Ohio. A state I have never lived in. These Private Student Loan enterprises blur the lines of community property states to scare us by threatening to come after spouses who had nothing to do with the loan and were not around when the loan was taking out, file false claims in court, try to get XXXX XXXX, and only when you challenge them you are told by your lawyer that the law protects them not you so you have to settle. Just for the grand prize of only you are charged for less exorbitant fees and conditions. However, the XXXX XXXX XXXX XXXX and Trusts try trick you and not hold up to their own agreement by shuffling who owns the loan in shell companies and trusts they create. This allows them to add fees and rack up the loan costs exponentially. None of this is fair lending at all and is outright deceptive debt collection practices. Help me please!!!!!! XXXX XXXX in XXXX, Arizona ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2017-12-07

Billerica, MA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me a bill. I paid them consecutively {$50.00} for 3x in a row and continued getting " last notice '', " your account will be sent to a collection agency ''. When I repeatedly called them, they said " that was not enough ''. The bill is now down to {$840.00}. I made 3 payments : 1 ) XXXX {$50.00} 2 ) XXXX {$50.00} 3 ) XXXX {$50.00} Somewhere after XXXX I received a final notice and my bill was sent to collections. It now sits with Transworld Systems Inc. for collection. I can never reach the hospital, they are ridiculous. I do n't believe I should have been sent to collections if I was making repeated payments, and on time!
Company Response: Closed with explanation

Timely Response

2017-12-07

Patterson, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I sent a letter asking the company to validate the account on XX/XX/XXXX and they sent me a bill from the original creditor with a XXXX balance. They are still requesting me to pay XXXX and they are still reporting on my credit reports.
Company Response: Closed with explanation

Timely Response

2017-12-07

Oakville, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response