Consumer complaint received 2015-12-31
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I went to school at the University XXXX - XXXX XXXX, and I am filing a complaint about my private student loans, which were previously serviced by XXXX XXXX XXXX, for one main reason. The collector they were passed onto will not make contact or provide any documentation as to what I owe, and I have waited for over a year for a response. My parents, who were cosigners, filed bankruptcy last year ( XX/XX/XXXX ). I had never missed a payment and had automatic withdrawal set up on these loans. These XXXX private loans then automatically went into default on XX/XX/XXXX. I did not know this happened. No one contacted me via phone, via email, or via snail mail. Not XXXX. Not the new company that supposedly now owns my loans : NCO financial. After a few months I noticed my payments were not being withdrawn, so XX/XX/XXXX I called XXXX and they explained the situation and provided me with a contact number : XXXX. To this day, more than a year later, I have not received a single confirmation from XXXX or NCO in writing as to who is in control of my loan, what I need to pay, how much was defaulted on, etc. Absolutely nothing. 

I tried calling this number for NCO more than 20 times over many days, leaving numerous messages, but never received a call back despite the inbox saying they would. Most times the number would not ring or would disconnect before the voicemail could pick up, and no one seemed to monitor the voicemail box. I waited another period of time, and then tried to make contact again later in the year. Finally, I spoke to someone ( I 'm guessing around XX/XX/XXXX ) -- because they actually answered the phone. They explained that my parents bankruptcy was waiting to process ( it had been done since XX/XX/XXXX, according to what my parents told me ), and that I should just be patient and they would make contact soon to set up arrangements. 

Flash forward to today, XX/XX/XXXX, and I am still waiting. Again I tried making calls throughout the week, and once again, the NCO number listed above did not work over the course of several days at all. It would n't even ring. So I called NCO Group at a number I found : XXXX ( XXXX ) XXXX. The man was pleasant, but redirected me to the old XXXX number. Once again, that number did not work. I called NCO Group again and spoke to a lady. She took my social security number once I explained I had no account number because no one had ever made any contact whatsoever about the money that I owe and I had no documentation. She told me that NCO has no record of managing my student loans that is now supposedly in collections. I asked her several times, but she insisted. I then called XXXX, and spoke to numerous people there, and they told me I had to speak to the Department of Education, which could track down my loans, even though they were private. I called the DOE number provided and spoke to someone there. She insisted that she could only help with federal loans and that private ones were not in the database she logged into. 

Today, I tried calling the original number again, and I got through to the same voicemail I 'd left messages on almost a year ago, but it is full so unsurprisingly I can not leave another message. All I want is some documented proof of who I owe what to, how much, and if any interest or fees are accruing. I have been waiting for over a year for this issue to be resolved ( after never having missed a payment on my loans ), and I find it absurd that no one will just send a letter, outlining my obligations. I 'm also quite concerned from what I 've read that excess fees and other charges can be accumulating despite my payment history and my efforts for someone, anyone, to just tell me what the heck is going on. 

Thanks for taking the time to read this long message. I hope I 've described my utter frustration adequately.

Company response to consumer: Closed with explanation