Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
According to Federal Student Aid my FAFSA account is approved for full-time status. XXXX XXXX XXXX employees rejected the XXXX approval. Due to XXXX XXXX XXXX rejection of XXXX XXXX resources XXXX XXXX XXXX XXXX employees are responsible for the debt. 
ProctorU the testing company for online students have never given me an exam. Never. I believe XXXX should be responsible for this XXXX XXXX and a XXXX XXXX XXXX XXXX for their role in making people feel unwelcomed and uncomfortable while pursuing a college education. 
This is my XXXX year attempting to pass a XXXX year course. I graduated a XXXX Public teller communicator within the XXXX XXXX XXXX standard of operations. I should be allowed to exam with XXXX  and graduate with a Associates. I had a XXXX in XXXX and the classes were dropped. Providing proof of Illogical deceptive college debt practices and conflict of interest targeting. 
I attended the courses I'm not responsible for this debt due to XXXX XXXX XXXX XXXX to all XXXX XXXX XXXX XXXX I have not receive equal access/equal opportunity to complete my degree. The History of my attempts confirm how many times I've been discriminated. 




" XXXX XXXX XXXX is an equal access/equal opportunity institution which does not discriminate on the basis of XXXX, race, XXXX, marital status, age, religion, national origin, XXXX, veterans status, ethnicity, XXXX, XXXX orientation or genetic information. To obtain more information about the Colleges equal access and equal opportunity policies, procedures and practices, please contact the Colleges Civil Rights Compliance XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, FL XXXX XXXX XXXX ' Providing XXXX XXXX XXXX XXXX XXXX XXXX to all students in respect to the XXXX XXXX XXXX XXXX XXXX students are required to read and e-sign this agreement prior to enrolling for courses each term. 
By registering for courses at XXXX, I have read, agree to, and will comply with the following : I am incurring a legal debt to pay all charges assessed to my student account by the due date. These charges include, but are not limited to fees, tuition, books and balances owed due to changes to my financial aid awards. 
I accept full financial responsibility for each course, including those I XXXX add or drop after initially enrolling for the term. 
I will check my student account and e-mail often. This will ensure that I am aware of any other charges or changes to my financial aid or third party payments. 
I am liable for dropping course ( XXXX ) prior to the last day to drop with 100 % refund to avoid charges. If I withdraw after this date or do not attend the course ( XXXX ), I must pay the full cost of the course ( XXXX ). 
I must contact the XXXX XXXX XXXX to use my Florida XXXX account to pay for my courses I will be billed and liable for any charges not covered by my Florida XXXX plan or any other sponsoring agency. 
I must meet all requirements for financial aid or third party payments to my student account. If the amount awarded or disbursed changes, I will be liable for the debt.

I agree to repay any debt created due to changes of my financial aid awards. The changes may be due to changes in program of study, withdrawals, non-attendance, pending documents, unsatisfactory academic progress, enrollment changes, and failing to meet financial aid eligibility requirements.

Outstanding debts due to the College may be deducted from any refunds that are due to me.

My financial aid awards will pay tuition, fees, book advances, or any other educational related charges. 
I can not receive certain types of financial aid funds at more than XXXX school during a term. 
If I do not pay my outstanding charges to XXXX by the posted due date, a hold will be placed on my account. This hold will not allow me to enroll for future terms or make changes to my current schedule. I will also be prevented from requesting transcripts or receiving my diploma. 
My account XXXX be referred to a collection agency if I fail to pay any debts owed to XXXX by the posted due date. I will be liable for all collection costs. These costs include but are not limited to collection agency, attorney, and court fees. 
I agree that my debt to XXXX is an educational loan to assist in financing my education. It can not be XXXXscharged under the United States Bankruptcy Code, Section 523 ( a ) ( 8 ). 
I will allow XXXX and its agents to contact me regarding my account to my cellular phone, wireless device, email, or other form of contact XXXX has on file. I may be called using automated telephone systems which may use artificial or pre-recorded voice or text messages. 
I have read, agree to, and accept the terms of this Financial Obligation Agreement. I accept responsibility for all debts incurred by me during this term at XXXX

Company response to consumer: Closed with explanation