Consumer complaint received 2015-03-28
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Transworld now owns this debt but I never received any notice from anyone saying the ownership has changed. I have tried to contact XXXX XXXX but he never returned my calls which he is suppose to do. XXXX XXXX XXXX is a horrible servicer because they are constantly giving misinformation. I made a payment on XXXX/XXXX/XXXX which was XXXX which XXXX XXXX claims was a regular weekday but and their office was closed and the system allowed me to make a payment on that day, I also made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX which was made on a weekend which XXXX claims you ca n't do. I was credit reported on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, now I made a payment on XXXX but it did not post until XXXX/XXXX/XXXX because they were closed on Friday, the day after XXXX which they reported to my credit even though the payment was there, the supervisor advised because the payment was made on the XXXX it will be updated, a payment on XXXX/XXXX/XXXX was posted but the payment was made on XXXX/XXXX/XXXX which was a Saturday but XXXX claims you ca n't make a payment on weekends which I have on numerous times, I also made a payment on XXXX/XXXX/XXXX therefore the credit reporting needs to be removed. This is illegal due to the FCRA because XXXX XXXX XXXX claims their system " credit reported '' me. I can take legal action against Transworld and XXXX XXXX XXXX for illegal FCRA. XXXX needs a set standard as to when credit will be reported because I was told it was based on when the payment was made, since they removed the credit reporting for XXXX and XXXX they should remove it for XXXX since they can see the payment was made. Like I advised before, I made a payment on XXXX/XXXX/XXXX which was XXXX and the payment did not post until XXXX/XXXX/XXXX ( which is not my fault ) and I also made a payment on a Saturday which was XXXX/XXXX/XXXX and it did not until XXXX/XXXX/XXXX, the supervisor removed it because she states they go by the date the payment was made. Clearly XXXX XXXX does not know what she is talking about and clearly needs to look the calendar for XXXX because they removed credit reporting for the same issue but not willing to remove it now. I could lose my job over this and then I will have take legal action against you due to XXXX because you now own this debt. All of the negative credit reporting should be removed, I already spoke with a FCRA attorney and he advised me that XXXX can legally remove XXXX 's credit reporting because the payment was made on the XXXX which they acknowledged and every time I ask for your company 's information, they are unwilling to give it to me which I should have by law since your company is receiving my money every month. XXXX also makes it difficult to make complaints because they do not take any responsibility for anything, the only reason why any credit reporting was removed was because I complained about it. I want all the negative reporting removed so I can get the private loans with another provider which I ca n't do unless the credit reporting is removed, private lenders are credit based so I would need a good credit score to get a favorable rate. Once I am able to get the private loans with another provider, you will be able to get your money because I ca n't continue to deal with this situation with XXXX and I ca n't afford to lose my job over this.

Company response to consumer: Closed with explanation