TRANSWORLD SYSTEMS INC

2017-03-14

NJ

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Sacramento, CA

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-03-13

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Received a call from a phone # XXXX stating that I owe {$280.00} and the doctor had been trying to collect this since XX/XX/2015. The caller had my name, birth date, doctors name and address. I called my doctor and they had me call their billing department and they stated that I had a zero balance. The " collection '' agency " Transworld Systems '' also gave me this number to call them tomorrow so I could pay this so called debt ( XXXX ) to prevent my credit from being effected.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Five Points, NC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Transworld Systems is reporting that I have a debt with them from XXXX. This account is not in my name. The account is in the name of XXXX. I have disputed this account, but they continue to report it on my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-13

Northside, NC

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Complaint: Goal : Getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report and loan in Deferred status. I have a private student loan that has been sold to University Accounting Services ( UAS ). I am a current XXXX full time student in a four year university and am concerned about improper reporting on my credit report. I have taken time off school but have been in full-time attendance from XXXX - Present and would like the delinquency on my credit report for these months taken off under deferment or forbearance. I am not currently employed while I am in school. I have called the following times to the company in order to resolve this issue. XXXX XXXX - called and talked with XXXX XXXX XXXX - called and talked with XXXX and sent in Deferment forms to XXXX XXXX XXXX - called and talked with XXXX and XXXX XXXX XXXX - called and talked with XXXX XXXX XXXX - Got a call from XXXX saying he would communicate with my client rep XXXX XXXX - called and talked with XXXX XXXX XXXX - emailed XXXX XXXX XXXX - called and talked with XXXX to confirm once again that the loan was private XXXX XXXX - called and XXXX mentioned he would email/talk to my client rep for an update and send me an email of confirmation ( never received email ) All calls since XXXX were under the goal of getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report. The company has not been very helpful in giving me the options I have available to me given my student status and financial situation. They will not let me talk to the client rep in charge of my account, instead I have to talk to a proxy ( XXXX ) who then says he will communicate anything I need to say to the appropriate parties. I am not disputing the validity that I borrowed for student loans, I would just like credit report to reflect the truth of my current situation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-12

Kingstree, SC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

Bethesda, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

Kings Ferry, NY

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: This company reported a Debt to the credit bureaus that is not mine, this is a fraudulent account that was opened in my name, I reported this fraudulent activity to the police and the FTC. This same debt was reported to my credit last year and the credit bureaus verified and deleted this account. also I found out that this is a new collection agency trying to collect on an account that is not mine and I clearly had this account investigated a year ago. I also am a XXXX and I live on campus, I did authorize the company to call my school for proof, I do not pay for any utilities and I do not have any utilities in my name, My college pays for all room and board with my financial aid.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Key Biscayne, FL

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-03-10

Key Biscayne, FL

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-03-10

Brentwood, TN

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Need information about my balance/terms
Complaint: I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Colfax, IN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Buffalo Mills, PA

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

2017-03-09

Lithia, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

PA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. I have asked them to stop calling and the above info XXXX separate times. They call from multiple unidentified numbers.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Terrell, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2017-03-07

Charlotte, NC

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Saint Louis, MO

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Amelia, OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-07

TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

MO

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Lake Shore, MD

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Bay Head, NJ

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