Unisa, Inc

2019-10-12

Problem with a credit reporting company's investigation into an existing problem

Student loan: Private student loan

Problem with personal statement of dispute
Complaint: XXXX College of XXXX was paid directly since graduation for a Perkins Loan. The parent company kept reporting late pays on my credit report because of their slow processing. The loan had never been sent a late payment as every payment has been made on the XXXX of each month via Bill Pay from my bank. The loan is now being paid directly to the Lean Holder, UNISAINC. I have spoken to XXXX College in the past, and nothing has been resolved. I am, unfortunately, at the point of retaining legal counsel to deal with this loan. It is not my wish, but I am now forced to seek such action.
Company Response: Closed with explanation

Timely Response

2019-04-01

Dallas, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.
Company Response: Closed with explanation

Timely Response

2019-02-24

Katonah, NY

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-15

Dallas, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to XXXX as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.
Company Response: Closed with explanation

Timely Response

2019-02-03

Arvada, CO

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-01-15

Auburn, AL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-11-10

Chicago, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I disputed these items placed on my credit report by XXXX XXXX XXXX and Unisa Inc with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and Unisa inc stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.
Company Response: Closed with explanation

Timely Response

2018-10-02

Bolingbrook, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-10-02

Bolingbrook, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-09-22

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: Complaint Pertaining To : Collecting account information from and having contact with the owner of my student loan, UNISA , INC. ( www.unisainc.com, XXXX ) I am extremely concerned about fraud with this company. On XX/XX/XXXX, I signed a disclosure statement at XXXX XXXX College of XXXX stating my understanding of undertaking a Federal Perkins Loan for {$3500.00}. Initially, the loan was owned by XXXX XXXX XXXX ( XXXX ), but was transferred to UNISA , Inc. on XX/XX/XXXX. Besides an initial letter and one quarterly statement I received on XX/XX/XXXX, I have received no correspondence from UNISA , Inc. They have a website, but it's links are non-functional. I emailed them earlier this month ( more than 14 days ago ), and no one has contacted me. No one answers their customer service line. I can not log in to their website because the website is telling me I have no account, but the link to create an account does not exist. All I want is access to my account to ensure that I have full understanding of how my payments ( which come out monthly despite not being able to contact the company ) are being applied to my loan. Please investigate the legitimacy of this company and advise on this issue as soon as possible.
Company Response: Closed with explanation

Timely Response

2018-09-03

Dallas, TX

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms.
Company Response: Closed with explanation

Timely Response

2018-09-03

Dallas, TX

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms.
Company Response: Closed with explanation

Timely Response

2018-07-21

Arco, CA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Earlier this year, I had some old student loan debt sold to a company called Unisa Inc. Www.unisainc.com. I have had consistent problems with them processing my automatic payments to a consistent schedule. They claim it is impossible to predict when my payment will be deducted from my bank account. It is a considerable amount of money, so it is very important to me to know when I will be debited. I have talked to them in person, but they say can not be resolved. On XX/XX/2018, I was debited my full amount and then on XX/XX/XXXX I was debited the full amount again. My payment is only supposed to be paid once a month. I called their customer service on XX/XX/XXXX as their website had no record of the second payment being authorized. I was accused of authorizing the payment on my own, which I did not do. The person I talked to said he could see the payments in his system. He did apologize and told me they would count the second payment towards XX/XX/XXXX and not debit me again until XX/XX/XXXX. I agreed. Again, no date was given when payments would be processed when I asked. Today on XX/XX/XXXX, I was debited for my usual XX/XX/XXXX payment. As of today, there is no record on their website showing this payment. Only in my online banking. Another consistent problem is Unisa never displays the correct amount of my automatic debits. I have three loans with them which are debited from my bank account as a lump sum. Their system only shows one loan amount as being debited, not the full amount of the lump sum. Each of the three loans are different amounts and it appears to be random which amount will be shown in their online account history. I complained during my phone call with them on XX/XX/XXXX, but was told the customer service rep could see the proper amounts being debited from my account and offered no reason why the online system does not display the full amounts. He just told me not to worry about it. I do not know if Unisa has been calculating my payments properly against my loan as their system does not display the correct information. I do not trust them, but can not afford to pay my balance outright. I have also tried to add Unisa to my home accounting software and it never shows up as being a legitimate business. This has never happened to me before across several loan companies. I am very worried about them.
Company Response: Closed with explanation

Timely Response

2018-07-02

Powder Spgs, GA

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-06-28

Ontario, CA

Written notification about debt

Debt collection: Private student loan debt

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

Timely Response

2018-06-28

CA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered Unisa turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. I have contacted both companies several time with no prevail. As of XX/XX/XXXX Unisa has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from Unisa, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.
Company Response: Closed with explanation

Timely Response

2018-05-29

Las Vegas, NV

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been Unisa , INC to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with Unisa , Inc. XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to collections. They do not honor the payment plan with Unisa , INC. even after they became owners of the loan I was notified that Unisa , INC will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.
Company Response: Closed with explanation

Timely Response

2018-04-20

Copper Center, AK

Written notification about debt

Debt collection: Private student loan debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/18, I received a notice that a collection was put onto my XXXX Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with Unsia, Inc. I did not receive notification that my account was in collections or was owed to anyone other than Unsia, Inc. I called Unsia, Inc and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.
Company Response: Closed with explanation

Timely Response

2018-02-28

Allen, TX

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-02-20

Bolingbrook, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-17

Lynn, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Complaint: I had a direct student loan that was being serviced by XXXX. While under XXXX, I had zero issues. However, that company underwent a buyout and in the process of doing so sold some of their loans to UNISAINC. UNISAINC makes almost no effort to indicate that payments are due - the only notification from them that either I or my girlfriend ( who also has loans serviced by them ) are letters in the mail that often arrive on the date of or after the payment due date informing us that we owe money. Since both of us are proactive, this isn't a huge problem for us personally but could be one for other borrowers. Our main problem is in how difficult UNISAINC makes payments. Every. Single. Time. I go to make a payment online, their website is having issues. Sometimes it will log you out for clicking the wrong link. It is frustratingly slow. They make it difficult to access the payment page. Most frustratingly, there are entire *weeks* where you can not access their website. I understand that the CPFB is better able to serve with specific information - however, there are no specific dates or actions that stand out in particular. This is a repeated problem since UNISAINC has become our servicer. Unfortunately, payment by mail is not an option due to the aforementioned inability ( or unwillingness ) of UNISAINC to contact us in a timely manner. Unfortunately, payments over the phone are not an option as well since their phone lines close after work hours. Additionally, when I have made payments in the past, they have taken longer than their stated processing time to apply the payments. This has caused financial injury to me as I have overpaid as a result of their negligence. It seems obvious to me that UNISAINC is willingly engaging in practices designed to make it more difficult for borrowers to repay their debts. Attached is a collection of receipts from UNISAINC and a screencap taken as I tried to log in to my account and pay on XX/XX/2018
Company Response: Closed with explanation

Timely Response

2018-01-28

KS

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Was using XXXX as the previous student loan finance company, before my loan was transferred to Unisa. I never had any issues with payments being received by XXXX. However, with the current provider, I have had an issue every single time I have tried to make a payment, resulting in several " past due '' marks against me -- each time due to their computer system that repeatedly fails to handles the payments. I contacted the company by their email contact form, concerning their system continuously having errors. I never received a response. I mentioned the issue to the customer service representative when having to make a past due payment due to their system, again, to no resolution by the company. I have attached a screenshot of my account payments, all being late due to their faulty payment system. Only one payment with them had been made previous to what was shown in the screenshot and it was on time due to their system being completely inaccessible ( could not even log in ) the first time I attempted to use it -- so a call was made to make the payment. Every following time, I had access to the system, the system indicated that everything went through and was processed correctly, and then would later tell me it was past due and would have to call and make a late payment. The continuation of the issue and the disregard for it indicates that these errors may be intentional so that the consumers of their system will have more interest to pay them on the payments, resulting in purposeful inaccessibility and essentially a fraudulent payment system.
Company Response: Closed with explanation

Timely Response

2017-12-21

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2017-11-30

Manchester, NH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2017-10-18

Billerica, MA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: I had XXXX for my previous loan servicer and was transferred to UNISA. It has been nothing but trouble with UNISA. My first month, they had the due date wrong. Ok, made my first payment with them with the corrected due date. I had paid XXXX XXXX onXX/XX/XXXX these are supposed to be quarterly payments, mind you. I get a bill from UNISA for the same amount with the due date ofXX/XX/XXXX I called them, they said it was a mistake and it 's actuallyXX/XX/XXXX. Great, problem solved, so they processed my check on XX/XX/XXXX. I get a bill today ( XX/XX/XXXX ) with the amount of XXXX due on XX/XX/XXXX My concern is 1. This is n't quarterly payments. 2. This is my second call with them. 3. How am I supposed to gather this money within two and half weeks so I do n't have an issue with my credit score? There is not much notice to me, never-mind the billing date being wrong.
Company Response: Closed with explanation

Timely Response