TRANSWORLD SYSTEMS INC

2019-08-15

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX has sent an {$11.00} " debt '' to collections after I already called them to indicate that I do not have any kind of XXXX account and that any charges were a result of fraud, credit card theft, or identity theft. I have a voicemail from their fraud department indicating that they were handling it and would remove the " debt ''.
Company Response: Closed with explanation

Timely Response

2019-08-15

Rincon, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-08-14

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have a collection account on my credit report this was fraud I sent in a fraud package which includes a police report on this XXXX XXXX account they are the original creditor the collection agency name transworld system is reporting this fraudulent accounts on my credit report
Company Response: Closed with explanation

Timely Response

2019-08-14

West Brandywine, PA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I was contacted on XXXX XXXX by a company called TransWorld. The phone number they contacted me from was XXXX XXXX XXXX XXXX. The man on the phone asked me about my sister, who is a minor ( I am not, I am her older brother and am XXXX years old ). I denied knowing her at first because I didn't know who these people were or what they wanted with her. They then asked if I knew her parents at least ( obviously I do because they are mine too ). At that point I said I do not consent to being recorded, at which point they ended the call. I then called them back and asked for their company name, they said it was " TransWorld ''. I explained that I just got a call from them asking about my sister, reiterating to them that she is a minor. I asked why they were trying to contact her, they said they could only talk to a legal guardian, and strongly implied it was my mother they are really trying to get in touch with. I asked them directly if they were a debt collector, they lied and said they were not. I told them it was unacceptable for them to be calling me about my sister like this, they quickly said they would remove my number and ended the call. I then looked up TransWorld, confirmed they are in fact a debt collector and called them one more time to confirm why they lied to me and ask why they are calling me about my sister, who again is a minor. The woman who answered this time denied any knowledge of it, I reminded her that they say at the beginning of the calls that they are recording and demanded that they stop calling me, stop harassing my family, and they are to never drag my sister into this again. She said she would remove my number, and gave me a number to call if I receive any more calls from them ( XXXX ) XXXX. She indicated it could take up to 24 hours to remove my number from their system, which I believe is unacceptable, they need to be able to remove numbers immediately. I believe they have violated the law by attempting to deceive me by asking about my sister, who is a minor, and lying when they initially told me they were not a debt collection agency. I discussed with my mother and we believe we know what debt this may be in regards to, in which case they are further violating the law by contacting me at all when they already have my mother 's contact information.
Company Response: Closed with explanation

Timely Response

2019-08-14

Parkersburg, WV

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-08-14

GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX and XXXX. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
Company Response: Closed with explanation

Timely Response

2019-08-14

Wilmington, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/19 I received a phone call from a debt collector ( TSI Prime Collections Agency ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/2019 I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/2019, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. TSI is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both TSI Prime and XXXX XXXX XXXX Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with TSI and XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-13

Marlboro, MD

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-13

Rockford, IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I CONTACTED TRANSWORLD SYSTEMS INC REGARDING MY ACCOUNT WITH THE DOD XXXX/XXXX XXXX XXXX. i ADVISED THEM THAT I NEEDED TO DISPUTE THE DEBT AS I WAS NOT ABLE TO MAKE PAYMENTS DUE TO ME NOT BEING AVAILABLE TO HANDLE MY ACCOUNT. I INFORMED THEM THAT I WAS XXXX XXXX AD NOT ABLE TO TAKE CARE OF THIS ACCOUNT ALONG WITH BEING XXXX XXXX I WAS ALSO IN A NON PAY STATUS WITH THE XXXX I ADVISED THEM THAT ALL MY PAYMENTS WERE MADE UNTIL I GOT ORDERS TO MOVE AND I COULD NO LONGER HANDLE THE ACCOUNT I ALSO TOLD THEM I DIDNT HAVE ANYONE THAT COULD TAKE CARE OF IT FOR ME AND THAT I NEVER MISSED A PAYMENT PRIOR UP TO MY XXXX XXXX. I ALSO ASKED FOR A REPAYMENT PLAN AND FOR THEM TO CORRECT MY CREDIT REPORT I ALSO ASKED THAT THEY REVIEW MY ACCOUNT TO GIVE A HARDSHIP PLAN NONE OF THIS HAPPENED IN FACT THEY STARTED WAGE GARNISHMENT AGAINST ME EVEN WHILE I WAS WAITING FOR A REPLY ABOUT THE HARDSHIP AND THE CREDIT REPORTING.I ALSO ASKED FOR DEBT VALIDATION AND SPOKE WITH XXXX XXXX WHO WAS VERY RUDE AND SAID THAT IT WOULD TAKE 30 TO 45 DAYS FOR THEM SO SEND ME ANYTHING IN THE MAIL. I ALSO ASKED WHAT THE TWO CHARGES WERE LABELED TSI PAYMENT SHE SAID THAT WAS THE INTEREST I WAS PAYING AT 16 % AND THAT IT WAS ALL IN THE CONTRACT I ONCE AGAIN ADVISED HER WAS DISPUTING IT
Company Response: Closed with explanation

Timely Response

2019-08-13

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-08-13

Portland, OR

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Nationwide Credit , Inc. send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, XXXX XXXX was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with XXXX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized XXXX XXXX to withdrawal monies form my bank account and they established this. 4- after 10 payments they send the same account collections agency. it is illegal and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-12

N Valley Stream, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-08-12

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I do not owe this office ANY money for anything at all. They have billed my insurance for a sleep study that did not occur, and they are trying to get me to pay this frivolous bill. They have sent it multiple times saying it's for not showing up for a sleep study - but 1 ) sleep study was never conducted, and 2 ) they were aware I was not going to be fit to participate in the sleep study. I've called them, and they have me leave messages, which are never returned, and then when I have talked to someone in the office, she said the {$250.00} should be dropped - and should never have been charged - but she did not have authorisation to remove charges ( only to add new ones ). When I tried to take care of this and resolve it in person, while in their office, and asked to speak with the office manager, she said it was not up to her. Basically, I was getting the run-around while in person. Then, they would call, and send a LOT of mail trying to bully me - threatening to sue (? ) while all along I kept telling them that I don't owe them anything for what they're claiming, and don't understand why I can't get through to them. I do not owe this office a cent.
Company Response: Closed with explanation

Timely Response

2019-08-12

Hudson, NH

Getting a loan

Student loan: Private student loan

Confusing or misleading advertising
Company Response: Closed with explanation

Timely Response

2019-08-10

Federal Way, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Transworld Systems Inc. is trying to collect a debt for an unknown, unverified parking violation for a car that I havent driven in almost two years and that I sold over six months ago. I never received any citation from the original creditor ( XXXX Municipal Court ) while the car was in my possession, nor is the debt on my credit report. TSI has sent me two collection letters. I disputed the first letter in writing and sent it via certified mail on XX/XX/2019. They ignored my dispute and sent another collection letter with interest added. The first letter is dated XX/XX/2019 and states a balance of {$55.00}. The second letter is dated XX/XX/2019 and states a balance of {$71.00}. They will not verify the validity of the debt, yet will keep sending attempts to collect.
Company Response: Closed with explanation

Timely Response

2019-08-09

Baltimore, MD

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-08-09

VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter from Transworld Systems Inc on XX/XX/2019. The leeter stated they were collecting a debt for XXXX XXXX XXXX XXXX in the amount of {$260.00}. The letter also stated I had a past due account with the company ( XXXX ) who attempted attempted to bill the charges to my credit card, but the charges were denied. I have never used XXXX and I do not have an account with them. They have never sent me notices to explain any debt they believe I owe. After researching online I have come to see this appears to be a common scam which may involve identity theft and theft of credit card numbers. Earlier this year someone used my credit card number to place an order out of XXXX XXXX XXXX, but that charge was quickly discovered and denied. The order never went through.
Company Response: Closed with explanation

Timely Response

2019-08-09

Scottsdale, AZ

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Complaint: Contacted by TSI ( https : //www.tsico.com/ ) XX/XX/19 @ XXXX ( XXXX XXXX -A female asked to speak with XXXX XXXX. Without confirming my first and last name I asked " who am I speaking with ''. The agent responded with her first and last name. I asked " what company are you with '' and she disclosed her company name as well as the Original Creditor for the debt in question. -Mini-Miranda is a legal warning debt collectors are required to use at the beginning of communications with consumers, both written and oral. ... The purpose of the communication is to collect a debt. Any information disclosed by the consumer will be used to collect the debt. < -- This was not said. Please pull the recording.
Company Response: Closed with explanation

Timely Response

2019-08-08

Wallington, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I borrowed {$5000.00} in 2006 from at the time, " XXXX XXXX XXXX " now called Younomics. Aside from the times I was in school, I have made payments on this loan. In that time I have paid {$8000.00} into this loan. I still owe them {$5200.00} AND an additional {$400.00} in accrued interest from when I was getting my Masters and Bachelor 's. By the time I finish paying off this loan, I could have used that money towards a house or a brand new car. This is robbery.
Company Response: Closed with explanation

Timely Response

2019-08-08

Yukon, OK

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-08-08

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-08-08

Natrona Hts, PA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-08-07

Colo Spgs, CO

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: On XX/XX/2019 I reached to Nationwide credit inc about my XXXX XXXX card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. Nationwide told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the Nationwide there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Boise, ID

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Wesley Chapel, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: In the beginning of this year, 2019, I had had an appointment for a XXXX XXXX scheduled with the XXXX XXXXt attempting to collect a debt through this credit agency. The debt is for what the XXXX XXXX office claimed was a " no show. '' I had told this office that I was hospitalised with a XXXX XXXX, and there was no way that I could make this appointment. They threatened me when I called them on the phone to resolve this issue, saying that they were going to pursue every legal action they could in order to force ( yes, they used the word " force '' ) to pay this amount - which is a very small amount. However, I told them I would not, based on principle, especially after speaking with the woman on the phone who became hostile, and at that time they said they were going to take action. I was told my a lady that works in the office ( she usually checked me in when I used to see this XXXXt ) that the debt/fine should be removed, and that whomever insisted on charging it at this office should not have charged it in the first place. But this particular lady did not have the authority to do anything about it. Even though the office had been given notice that I could not make it, they claimed I did not give them notice - but I have witnesses here that were in my home ( and not just family members ) - that will attest that what this XXXX XXXX office is saying is untrue/inaccurate.
Company Response: Closed with explanation

Timely Response