Consumer complaint received 2017-12-08
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: 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 to consumer: Closed with explanation