TRANSWORLD SYSTEMS INC

2017-02-15

La Vernia, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: I am the co-signer on a student loan for my son received in XXXX from XXXX. After some time XXXX took over the loan. My son graduated from college in XXXX. I completed a chapter XXXX bankruptcy in XXXX. Transworld Systems , Inc. sends me a collection letter. This loan has a charge off date of XX/XX/XXXX and the charge off amount {$24.00}, XXXX. My most recent telephonic conversations with Transworld results in a settlement of {$10.00}, XXXX. I asked them to confirm this agreement of {$10000.00} in writing to protect myself. The payments would be {$2600.00} for XXXX consecutive months. On XX/XX/XXXX I was told the letter requested would arrive in 7-10 business days. The letter did not come. I called back XX/XX/XXXX was told letter was not sent ; but now we will send. On XX/XX/XXXX I called to see if letter was sent. No letter sent. A manager, XXXX -- XXXX, told me to " trust '' them ; that if after I send all the money if there is a problem, he would confirm the settlement agreement. CFPB I would like to start sending the payments while I have assistance from family, but I do not want to get " burned '' when Transworld sends a collection for the amount I will save with this settlement. Otherwise, I am retired and on a fixed income. My son will be contributing to this reduced settlement. I just want some form of evidence to support the agreement of {$10000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-15

Detroit, MI

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: I previously spoke with both the hospital & collectors regarding this bill. Both said they were trying to help me figure out where the charges came from. I paid cash fees, upfront, for the procedure related to this bill. The itemized bill statement that was sent to me does not make sense in terms of how the miscellaneous charges add up. XXXX could not explain who charged the extra {$500.00} on my bill & stated they would look into it & contact my insurance & surgeon.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Albuquerque, NM

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I have previously disputed this debt as not belonging to me. I do not go to XXXX hospital and was not seen for this debt. I previously disputed this debt with the credit bureau 's and it was removed but it was re-applied soon after. I have tried multiple times to contact Transworld Systems only to have them hang up on me. I am never able to reach someone to discuss this situation. I get transferred then the phone call disconnects.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Suffolk, VA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Braddock Hills, PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Atlanta, GA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Greenwood, CA

Getting a loan

Student loan: Non-federal student loan

Can't qualify for a loan
Complaint: Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Tarpon Spgs, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

Arlington, VA

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

2017-02-13

Charlottesville, VA

Communication tactics

Debt collection: I do not know

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

Disputed: No Timely Response

2017-02-13

Boise, ID

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

Green Acres, FL

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

Lewisville, TX

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: I never receieved anything about these medical bills being sent to collections. Is there anyway I can pay these or set up a payment plan?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

MO

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: A medical procedure was undergone without my knowledge of the procedure 's price. It was called for by my physician, and I was not made aware of the cost for the procedure. I was not made aware that my insurance would not cover anything until the procedure was over. Due to my lack of consent, my legal obligations to pay this amount is questionable. Still, I am actively working towards paying this debt with XXXX. While I was working to pay it off, it fell into collection within 6 months. The resulting impact on my credit score alerted me of this. It seems improper to send this debt to collection when I am actively working with XXXX to pay off the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-12

Wayland, MI

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2017-02-12

Patterson, MD

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Complaint: Reported medical bills on all XXXX credit bureaus XXXX XXXX XXXX, and XXXX saying I owe them but I did not sign anything stating I owe them for the bills and the hospital where services rendered wrote the bills off.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-11

Atl, GA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Fairless Hills, PA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Leming, TX

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Soquel, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I attending XXXX in XXXX, CA between XXXX. There was a lawsuit against XXXX. I would like to know if I need to repay loans from UAS.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

San Francisco, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I received services at XXXX XXXX in XXXX. They made several clerical errors in billing my insurance, and attempted to collect directly from me instead. My insurance company, XXXX for XXXX XXXX, XXXX XXXX XXXX investigated and confirmed that this was an error. XXXX continued to send demands in ever-changing amounts ( {$2300.00} on XXXX/XXXX/XXXX, {$1000.00} on XXXX/XXXX/XXXX ). Transworld Systems Inc sent a debt collection letter on XXXX/XXXX/XXXX demanding {$200.00} on behalf of XXXX. XXXX also sent a letter on XXXX/XXXX/XXXX demanding {$1000.00}. I never received a bill for {$200.00} from XXXX at any time. Transworld is attempting to collect a debt amount that I have never been asked for, and the debt it is related to was investigated by my health insurance company and found to be invalid.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Atlanta, GA

False statements or representation

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

Attempted to collect wrong amount
Complaint: A credit inquiry was mistakenly placed under my credit report. I have tried contacting the collection agency, Transword Systems, to get this item resolved, however they are not very helpful. What they do is start transferring me from XXXX department to another, and sometimes out right refuse to help me. My credit has taken a very large plunge ( it has gone from mid XXXX to mid XXXX ). Every attempt I have taken to tried and get this resolve always results in me being transfer, and no one actually helping me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Damascus, PA

Getting a loan

Student loan: Non-federal student loan

Qualify for a better loan than offered
Complaint: I was accepted into XXXX University XXXX XXXX XXXX XXXX program in XX/XX/XXXX. I successfully completed the program, however decided not to attend and instead apply to XXXX. I chose this route after learning that the facts that XXXX promoted about their graduates obtaining American XXXX were not true, and I did not want to jeopardize my future career. In order to pay for my tuition I had to take out a private loan. I applied for a XXXX XXXX XXXX loan which I was approved for, however when I informed the registrar department about my loan servicer, they encouraged me to instead take out a loan with XXXX student loans. They informed me that they had a very good relationship with this loan provider and how they disperse funds very expedient. They also told me that if my XXXX loan does not get dispersed before the end of the week, they will drop me from my classes. Out of fear of losing my spot in the program I did apply for the XXXX loan. XXXX filed for bankruptcy and I received no paperwork about my loans for years ; not until I graduated from XXXX school in XX/XX/XXXX I received correspondence. At that point my student loan had doubled in amount due to the high interest rates. However, this loan has exponentially increased compared to my other student loans. I feel like i was coerced by the registrar department at XXXX to take out this loan which is now 3x the amount. If I had gone with my original loan servicer, my balance would not be as high. I am still in XXXX and my loans are in deferment for atleast another 2 years. From investigating I have also learnt that XXXX now offers a money back guarantee for their XXXX program. I was looking for some guidance on what to do in a situation like this.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Meriden, CT

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response