Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

UAS ( United Accounting Services ) was contracted to handle a forgivable loan I took out from XXXX XXXX  for my XXXX degree in XXXX XXXX XXXX XXXX XXXX XXXX. The loan was for {$25000.00} but because I only taught 3 of the 4 years required to forgive the totality of the loan, I was set to owe XXXX ( half the loan ). In XX/XX/XXXX, I began payments on the loan. Because I wanted to see if I could contest one of the years with XXXX, I only paid half the loan up front. However, I mistakenly clicked curtailment instead of pay ahead. Though I did call before making the payment and I remember asking which one, I can not tell you for sure if the agent misguided me. I do not remember and I did not record the conversation on the phone. 

Anyway, because I thought my {$6000.00} that I payed was applying to future loans, I did not pay the remainder at the end of XXXX, assuming that that XXXX was applying to the future monthly payments owed. Aside from sending me a monthly " new statement available '' email, I was never contacted by UAS through email that they were trying to collect the outstanding debt nor did I receive any phone calls. ( See the screenshot of emails received from UAS ). If I log onto their website, there was a past due notice in the View Documents page, but those past due notices were never emailed to me. Likewise, when they sent the outstanding loan out to a debt collector in XX/XX/XXXX, I was never notified by UAS. 

The debt collection agency, XXXX, contacted me 6 times by phone starting in XX/XX/XXXX, and I finally picked up in XX/XX/XXXX. I assumed they were spam calls as I didn't recognize the number and my mailbox was full. The debt collection agency made no attempt to contact me by email. When I found out that my debt had been passed onto the collection agency, I paid the outstanding debt in full. However, UAS had added an additional {$2000.00} for contracting a debt collector. XXXX has said they do not see this UAS fee listed and according to them, I am fully paid in my debt. In my last call to the UAS agent on XX/XX/XXXX, she said that I owe UAS for contracting out to a debt collection agency, even though I was never notified of them doing so by phone or email. I clarified that this was a fee charged by UAS, not by XXXX XXXX. She said I had the right to appeal the debt in writing by email. She instructed me to send it to the email to XXXX as that appeal can not be processed over the phone. 

I have sent in two requests for appeal, one on XX/XX/XXXX and another on XX/XX/XXXX. Neither request has been answered or even acknowledged, even though I have received answers from this email in the past. 

XXXX XXXX XXXX XXXX XXXX though not in the United States ( I currently live in XXXX XXXX ), and this is a significant charge for me. I would appreciate any response or help I can get. I have attached both my request for appeal, follow-up on my requests for appeal, a screenshot of my email inbox with the emails from UAS, a screenshots of the view documents page only when I logged onto the UAS website, an example of the emails sent to me showing that no debt was mentioned in the emails, and a screenshot of my phone records in XXXX and XXXX to show that I was never contacted by the recognizable XXXX or XXXX number from UAS before or when it was sent out to collections. Please let me know should you need any other documents.