TRANSWORLD SYSTEMS INC

2017-02-23

Warrenton, VA

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Received bad information about my loan
Complaint: Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-23

Desoto, TX

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-23

Phila, PA

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

2017-02-23

Staten Island, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: An online order in the amount of Approximately {$2000.00} was placed with XXXX on or about XXXX, 2016. Said order was subsequently cancelled by the merchant due to the previously opened dispute stemming from defective merchandise etc ... I have never received said order or signed for the merchandise. Collection agency was requested to submit proof of purchase along with their DCA license number numerous times, however, failed to do so. Their correspondence was received in rapid ... less than a week between letters sequence ... that not only violated any and all rules and procedures listed in Administrative Code, but made it look like Debt Collection Agency did n't receive my response and/or did n't feel like responding to my correspondence ...
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-23

Patterson, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Phillips Ranch, CA

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

2017-02-22

FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: This debt has been paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

San Antonio, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Fitchburg, WI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

La Fayette, IN

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

2017-02-21

VA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Ferndale, 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

2017-02-20

Patterson, MD

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-02-19

Portland, OR

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-19

Nashville, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-18

Spg Valley Lk, CA

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-02-18

NV

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I have been contacted recently by a debt collector who has threatened to garnish my wages if I do not pay a debt. The account was closed in XX/XX/XXXX, and the statute of limitations on collection would have run out in XX/XX/XXXX. I was told " If I do n't start paying immediately, we will garnish your wages. '' This debt is past its statute of limitations, and I 'm being called at work and threatened for a 6 year old debt. The amount of the debt has also almost doubled from the amount of when the account was closed, from {$3700.00} to now a reported {$5300.00}. I ca n't afford to shrug off over {$5000.00} and they are not allowed to garnish my wages for this old of a debt, please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Elk Grove, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Grosse Ile, MI

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Dayton, OH

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

2017-02-16

Jacksonville, FL

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Weaver, AL

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Complaint: I have been informed by the original creditor that Transworld System Inc, is the collector for this debt, I have never been informed and or received any type written communication or notice from Transworld System Inc.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Rockeagle, WY

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

2017-02-15

Philatelic Center, CA

Communication tactics

Debt collection: Medical

Threatened to take legal action
Complaint: I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me. On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received. I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

PA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I paid my debt of {$190.00} on XXXX XXXX, 2016 to XXXX. I repeatedly get letters from Transword systems inc. Account # XXXX
Company Response: Closed with explanation

Disputed: No Timely Response