Consumer complaint received 2023-10-10
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is for XXXX loan that went into collections in XXXX, XXXX. Before XXXX, I was in the XXXX XXXX ( XXXX ) and carried out multiple attempts for deferment and even economic hardship with the loan servicer back then XXXX. At the beginning of XXXX i had a grace period with this loan, and i was trying to either defer this loan or get the payment amount reduced due to being a volunteer before the first payment. XXXX wrote back stating they didnt accept either of my forms from the XXXX XXXX . I tried calling from abroad emailing and using their live chat but o could never get enough information about why exactly they didnt accept my requests. At one point they even explained that I wasnt in their system. Fast forward to XXXX my XXXX XXXX XXXX ended in XXXX and my loan went into collections officially in XXXX of XXXX. I never received an official email/mail indicating this account was going into collections or that I had the right to dispute. I found out through my federal job applications. After finding out and not being properly informed of my options I immediately XXXX. They didnt know where my loan account was, so I called XXXX and eventually after long calls I found out my account was with Transworld Systems . I immeadiately made an automatic payment plan for the XXXX of every month. On XX/XX/XXXX I got my debit card stolen and the payments stopped. As soon as I got notification XX/XX/XXXX of this from XXXX XXXX the original creditor. I called XX/XX/XXXX let them know I intend to pay and would love a pay for delete on my late payments. They refused. They told me that my account was now with XXXX again. I called and tried to log into XXXX and they told me over the phone that my account doesnt exist anymore and I wouldnt be able to log in. I called XXXX again on the same day and wasnt able to get a call back because they told me my Puerto Rico number is International. Puerto Rico is a US territory so there shouldnt have been any issues. Instead I received an email where they stated that XXXX received my loan from Transworlds, and that then it went to XXXX but its now back at trans world. I called Transworld to make sure they had my account they explained that theyve always had my account have never moved it back to XXXX and that they still had it. With this I decide to reinstate a payment plan. On XX/XX/XXXX I called XXXX again to notify them that I do have good intentions to pay and to request pay for delete and let them know I have a new payment plan with Transworld. I also notified them that the late payments reported are incorrect. Since my payments to Transworld since XXXX have been on autopay they shouldnt count as such. XXXX stated they would request more information from Transworld and get back to me. On XX/XX/XXXX afternoon I received a different call from XXXX collections saying that they now have my loan and pressuring me to make payment. I refused because I do not have any written official validation of which collection agency currently holds my XXXX student loan account. I called TSI back to cancel my payment plan and also ask them for validation letter. They say that they do have my account and not XXXX. At this point there has been a LOT of miscommunication thats affecting my credit and I have no idea who I should be making payments to.

Company response to consumer: Closed with explanation