Consumer complaint received 2015-10-12
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XX/XX/XXXX I was supposed to be put into a program to help bring my XXXX XXXX account. The company is Transworld Systems Inc . I began these payments of {$5.00} per month every month until XX/XX/XXXX. I did n't receive any communication from them advising that I broken my payment arrangement until they began garnishing my wages XX/XX/XXXX at which I contacted them and spoke with a representative by the name of XXXX who stated that she could put me back into my agreement and that the payment that I made at the beginning of XXXX for XXXX had to be made within the month of XXXX because it was going to be last payment. She went over my financials and put me back into the rehabiliation program but stated that I had to make XXXX consecutive payments, sign the agreement to send it back. She backdated all of the payments so I already the XXXX consecutive payments but that I had to sign the affordable agreement before the client would be able to suspend the garnishment. I got that agreement on on or about XXXX and not only signed it but I faxed it and mailed it to Transworld Systems Inc . I called them several times to make sure that the paperwork was received and each representative that I spoke gave me a different response. I spoke with a supervisor by the name of XXXX when I made the XX/XX/XXXX and she assured me that everything was good and that all needed to do was make sure that I sent the agreement back to them to send over to their client. I made a payment on XXXX in the amount of {$5.00}. I got an email on XX/XX/XXXX stating that I did n't make my payment for XXXX. I called and spoke with a representative from Transworld Systems and she stated that she could see that I had made the payment and that I did n't have another payment due until XXXX. On Monday I called to see if they had sent the agreement to their client to have my garnishment suspended and I was told that a supervisor was going to do that and that they would call me if there was a problem. On XX/XX/XXXX, I called and spoke with someone else who advised that she was going to have her supervisor expedite the request over the their client. I called on XXXX to check the status of their clients response to the garnishment suspension, I spoke with a representative by the name of XXXX XXXX who informed that I had broken the agreement which was news to me considering I had spoke with a reprentative on Monday and Wednesday of the previous week and the neither XXXX of them had informed me of this. She also stated that they had to re-enroll back into the program and that I would need to sign another agreement, and that they were going to contact their client about getting the garnishment suspended again. This company is very unorganized and no one seems to know what is going on with my account but they are garnishing my wages while I 'm making payments. This is very frustrating and causing my bills to get further behind. I am a single mother of XXXX and due to the stress of having to deal with a company that apparently does n't notate their system very well I 'm being punished and their client is being given incorrect information in regards to my account. I really need to help in clearing up this account.

Company response to consumer: Closed with explanation