TRANSWORLD SYSTEMS INC

2017-03-21

Centerview, NC

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-20

Tewksbury, MA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-20

Cheverly, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Grayling, MI

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-19

St Heights, MI

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-19

Los Indios, TX

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I have a XXXX or XXXX and XXXX. Both card are consolidate as XXXX card with a balance of {$7400.00}. Due to changes in my military status, I am no longer a monthly paid XXXX since XX/XX/XXXX. The hardship of paying bills become harder and I had to resort to payday loans. The end result is my XXXX was unpaid for several months. here is my complaint, I was to receive my XX/XX/XXXX tax return of {$530.00} to be released on XX/XX/XXXX. I never received my refund. I was advised by the IRS automated system that my refund was paid to Transworld System Inc ( TSI ). I made inquiries to TSI and I had asked why is my refund taken. Customer services proceed to say to make payment arrangement. When I inquired why I never received a letter on this collection. They proceeded to say " no letter was return. '' I continued to asked more than 3x for a copy and the proceed with the excuse " no letter was return. '' until XX/XX/XXXX, I have receive an envelope with copies of transaction and a non legible or a very poor scan copy of letters sent to me in XX/XX/XXXX from XXXX. The letter is dated XX/XX/XXXX and the letter gives me 60 days of the date of the letter to sign an agreement for payment arrangement or a Treasury Offset Program will be implemented. 60 days from XX/XX/XXXX will not be until XX/XX/XXXX. my refund was taken from me to early. This violates the letter I never received. I spoke to XXXX customer service on XX/XX/XXXX to gather some information and I spoke to XXXX. She explained to me that various service members have lodge complaints with TSI, so why has nothing been done to rectify these complaints with TSI. TSI is punishing me with there high interest rate with a balance I checked back in XX/XX/XXXX of {$12000.00}. today this balance has gone up to {$13000.00} TSI has lied to me regarding letters sent out in XX/XX/XXXX. TSI has made it clear that I can not pay a single payment of the current balance due my credit report. Why has the FTC stopped this practice if various service members including myself being punished and my credit report will effected since collection will be on going and if I can the balance off in so many year, my credit report will still be negative for another 7 years because of the unauthorized collection practice and interest charges XXXX has suggested to me to inquire with TSI for hardship but the representative only laughed at me and said there is no hardship. I will soon receive my military retirement then my Social Security retirement. TSI will collect all my entitlements and leave me nothing to pay my mortgage, utilities and food. this is unfair to me since someone has given them rights to take this action.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Lake Havasu City, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

N Haven, CT

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I am paying for this loan when the school is out of business the school is named XXXX. I am paying to UAS XXXX who is handling my private loan for something I do n't attend to and went out of business. I need help.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Olmos Park, TX

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Junius, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

MT

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: Transworld Systems Inc. did not share information that the debt was paid in full with the original company, XXXX and thereby I was sent to collections, from XXXX to another collections agency. This continues to show up as an uppaid account on my credit report and thereby negatively impacting my credit scores.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

San Francisco, CA

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Complaint: Transworld Systems Inc. contacted me mid XX/XX/XXXX stating my debt with them ( I had a student loan default ) was bought by " another company '' but TSI was continuing the collection services. TSI said they would no longer honor my previous payment arrangement of {$120.00} per month which I have been paying consistently since the debt was bought by TSI. The telephonist was super aggressive and said they would only consider a monthly payment of {$280.00}. They said they would contact my mother ( who was the cosigner ) and begin trying to collect from her and they would not stop until the debt was collected in full. The debt amount is around XXXX. I bargained them down to a figure of {$140.00} per month. I then get a letter from TSI on XX/XX/XXXX ( about a month later ) stating they would " honor '' my " previous payment arrangement. '' I suspect they have this scam going where they attack people and get them locked into a new higher payment schedule before they send out any letters stating they 're obliged to honor previous arrangements.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Lewisville, TX

Taking/threatening an illegal action

Debt collection: Non-federal student loan

Sued w/o proper notification of suit
Complaint: A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

San Francisco, CA

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Cadiz, IN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Pflugerville, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Cheverly, MD

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: While doing an extensive search of this company. I found out that their license has expired in the state of MD and majority of their offices are closed. The address listed on my credit report is not the same address listed in the search results.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-15

Cleveland, OH

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

ME

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Contacted employer after asked not to
Complaint: I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Mt Pisgah, IN

Can't repay my loan

Student loan: Federal student loan servicing

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Hainesville, IL

Disclosure verification of debt

Debt collection: Non-federal student loan

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Anaheim, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-14

Laurel, MD

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Key Biscayne, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

East End, CT

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response