TRANSWORLD SYSTEMS INC

2019-08-07

Hempstead, NY

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-08-06

Schenectady, NY

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-08-06

Beyersville, TX

Incorrect information on your report

Student loan: Federal student loan servicing

Account status incorrect
Complaint: My name is XXXX XXXX SS # XXXX Re : XXXX University acct # XXXX UAS ; XXXX account opened : XX/XX/XXXX I talked to a lot of peoples over a 3 month period. My student loan was put in collections, and all of a sudden I noticed it showing back as updated on my credit. I am in the process of getting a house and called my credit consultant and she told me to call them and ask why it is showing up and request it to be removed due to it being over 7 years. It was removed from collections and updated to my credit report. This caused my score to come down and it shows about 21 late on my credit history. I talked to XXXX University who referred me to collections, who referred me to talk to UAS. I was told that I could apply for hardship to get this payment decreased or removed all together. I was denied for some reason. I sent in letter to request this be removed from my credit due to this bill being since XXXX. I was told if I paid the XXXX they would remove it from my credit. I paid this amount and asked them several times during the conversation in XXXX and In XXXX will this be removed and I was told yes that once I made payment they would contact credit bureau and remove it. I paid this on XX/XX/XXXX. I called back in the next day and asked them when would it be removed and the lady told me they would update but would not remove. I told her that's not what I was told and I am upset because I explained to the guy that my credit consultant told me to ask them to remove if I paid it and if they were not going to remove it I would not pay it because it would not help my credit. I asked to talk to supervisor and got the same response. I called my credit consultant and she told me to call back and request it be removed because they should not have told me this in the first place. If they refuse to remove to le them know I would file complaint with CFPB. I didn't know the exact date the guy told me they would remove and I suggested that they listen to the calls and they would hear him telling me this. There was a language barrier and I explained to him several times and he said pay and we will remove not update. The supervisor said he would investigate and call me back. He called me on XX/XX/XXXX and said he listened to the calls and I did ask them to remove and was told they would update my credit. That is not true and I don't believe he listened to all the calls or he just not admitting the truth. I am very upset because I feel like I was mislead to pay just to get my money. I strongly feel they should remove this account from my credit due to their mistake. They updated it in XXXX they said and I don't know why. the 7 years statue of limitations would have been over in XXXX. Please review this case and ask to hear all the recordings and you will hear where the guy told me this.
Company Response: Closed with explanation

Timely Response

2019-08-06

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-06

Lafayette Hl, PA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-05

FL

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Complaint: I received a phone call this morning from Transworld Systems Inc, attempting to collect on debts that the statute of limitations ran out on back in XXXX. I was sued on multiple occasions in XXXX, and each case was dismissed without prejudice, because TSI did not have the proper documentation. The guy on the phone told me they now have the proper documentation and can re-file a suit unless I can figure out a resolution. He outright lied to me and illegally tried to get me to make a payment or enter a payment plan, via bullying tactics. The number he called from is XXXX. When a lawsuit is filed, it does not toll the statute of limitations. And the fact that the lawsuits were dismissed without prejudice did not extend the statute of limitations ; they continued to run.
Company Response: Closed with explanation

Timely Response

2019-08-05

Plattekill, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-08-05

Clinton Township, MI

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-08-05

Fort Lauderdale, FL

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2019-08-04

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Hi,Transworld System INC. has kept sending mails that showed I had a dept of XXXX from XXXX XXXX XXXX XXXX XXXX billed me two times regarding just one same case. I resolved this issue with XXXX, and XXXX erased the additional bill. So currently there is no balance to pay back.But Transworld System INC is sending mails relentlessly. I sent message in order to stop mailing on their website, however I couldn't get answer yet.I had a receipt, XXXX has history about this. The following information is written on the mail from Transworld System.File#: XXXXCreditor: XXXXInvoice #: XXXX XXXX XXXXBalance Due: XXXXThank you!
Company Response: Closed with explanation

Timely Response

2019-08-04

Colts Neck, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-08-04

Atlanta, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: This account has been reporting on my credit since XX/XX/2019. The amount is XXXX. I have sent several request for validation but they keep sending me a bill but not validating the account. It is affecting my score terribly and I would like for it to either be validated or removed.
Company Response: Closed with explanation

Timely Response

2019-08-04

Decatur, GA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-08-04

Anchorage, AK

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

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

Their investigation did not fix an error on your report
Complaint: Upon inspection of my credit report, I found charges adding up to {$600.00} abouts. XXXX XXXX Idaho, aka TransWorld Systems, is also reporting that I owe them. Problem with that is I have tried reaching out for them to fix their mistake as my service kept getting cut off. They say it's withing guidelines of me oweing them. XXXX is who should be taking care of that not me. I had XXXX service but stopped when was security breeches on my account four times at least.
Company Response: Closed with explanation

Timely Response

2019-08-02

Tarzana, CA

Incorrect information on your report

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

Account information incorrect
Complaint: To whom it may concern, TSI/940 has charged my account for someones elses bill. XXXX had my infomation on file and a teneat was occupying the property and the bill was in there name at the time I was billed. I never recived any bill because it was not my responsibly. The bill is paid off in full and I called spoke to a rude supervisor who finally resolved the issue and said she update dthe account and it would be deleted off my reporta and transfered to the old tenats responsible. This wa in XX/XX/2018 it still is reporting to my credit report.
Company Response: Closed with explanation

Timely Response

2019-08-01

IN

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I originated this private student loan in XXXX in the amount of XXXX. I was deferred until graduation ( XXXX ) and then entered into a lowered payment agreement. Since XX/XX/XXXX, I have been paying the normal payment. 3 months ago, I noticed that my principal balance has increased. So I contacted customer service and was told that my payments had been going to interest-bearing fees. Because I get electronic statements, I was only able to pull statements back to XXXX. The agent said they would send it to an account specialist and get back to me. 6 weeks later, I still had no word, so I called again. The agent this time pulled my account overview and sent it to me. Based on this report, since XXXX, it shows that my payments have been distributed to 'interest ' and 'fees '. No one can tell me what the fees are. Again, I was told it would be sent to an acount specialist but have heard nothing. I called again yesterday, and was read the exact same thing that was on the report, that my payments have been going to interest and fees. Again, it would be escalated. Today I received an email that the payments have been going to interest and fees with no further explanation. The account overview from last month shows that I have paid {$19000.00} on the loan amount of XXXX ( XXXX principal plus origination fees ). {$10000.00} went to interest and {$9500.00} went to interest-bearing fees. My balance details were unknown. The statement that I received this week shows my balance as XXXX, so it looks as though they are now distributing the money toward my principal since my call.
Company Response: Closed with explanation

Timely Response

2019-08-01

NJ

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

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

Their investigation did not fix an error on your report
Complaint: Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested Transworld Systems INC to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.
Company Response: Closed with explanation

Timely Response

2019-08-01

Eldridge, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-01

Longs, SC

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-08-01

Turtle Creek, PA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-07-31

Patterson, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I am writing to request an investigation of the following information that appears on my credit report. Item to be disputed : TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX XXXX Account # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX Creditor 's Account # : XXXX Balance Due : {$760.00} Attached are the supporting documents which further detail the circumstances that prevented me from paying the disputed amount and from taking any action before this case was sent to the collection. I incurred some hospital bills during the birth of my first child in XXXX of XXXX. A portion of the bill was paid by the insurance company and I was responsible for the remaining balance. I was diligently making my monthly payments and decided to apply for financial assistance on XX/XX/XXXX. Attached letter from XXXX XXXX XXXX charity care and financial assistance confirms that. My application for financial assistance was reviewed and hospital decided that I was eligible for 100 % charity care write off on the portion of the charges for services I was responsible. It was later confirmed in writing via a letter dated XX/XX/XXXX. A copy of the letter is enclosed and original copy can also be presented on request. Letter states the following : Thank you for using XXXX XXXX XXXX for your medical needs. Your application for hospital assistance has been reviewed and you have been found eligible for a 100 % allowance for all hospital services except XXXX XXXX. This was my last communication with the XXXX XXXX financial department. There were no alerts/communication via phone, email or regular mail after the above-mentioned letter dated XX/XX/XXXX from XXXX XXXX XXXX. I was out of country ( in XXXX ) from XX/XX/XXXX to XX/XX/XXXX. Please see attached copies of the e-ticket and boarding passes. After coming back home on XX/XX/2019, I find this letter dated XX/XX/XXXX from the collection agency name Transworld Systems Inc stating the there is a balance of {$760.00} due on my account. See attached letter. I did not get to read this letter until after XX/XX/XXXX. It was never my intention to avoid paying any balance that I owed to the hospital. I did have some financial trouble during the birth of my child and for that I did seek financial assistance and was diligently making my monthly payments as a responsible borrower up until Ms. XXXX XXXX from the XXXX XXXX XXXX assistance department told me otherwise. I was never given any advance notice about sending my case to collection. First and the only notification that reached me came straight from the collection agency on XX/XX/XXXX stating my account has been sent for collection. When I became aware of this past due account, I immediately called the collection agency and set up a monthly payment plan. I have already made three ( 3 ) installments but my credit score has taken a big hit. I have worked hard to keep a good credit score of 700+ but this collection notice has put me back below XXXX. I have attached all necessary supporting documentation to support my claim. I am requesting you to investigate into this at your earliest convenience. Thank you for your assistance. Sincerely, XXXX XXXX Enclosures : 1. My financial assistance application dated XX/XX/XXXX 2. Letter confirming 100 % write off. Financial assistance approval. 3. Some payment receipts ( more can be provided upon request ) 4. Boarding passes and e-ticket 5. Bill of {$760.00} 6. Letter from collection dated XX/XX/XXXX 7. Payment plans with collection
Company Response: Closed with explanation

Timely Response

2019-07-30

Arsenal, PA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: XXXX runs an Urgent Care Clinic in XXXX XXXX< WV where I went for treatment. They took my information and credit card #, then asked what I was there for ... .I explained my symptoms and they said they could not help me and told me to go to the nearest Hospital / Emergency Room. I have filed multiple complaints with the company and they told me at one point they were dropping the claim that I owed them since they did not treat me - now I see this is the only negative mark on my credit! They have submitted this for collections ( through " Transworld Sys./XXXX '' at XXXX ). I need this to be removed and not reported on my credit. No service provided, no treatment rendered, but somehow they want to charge a fee.
Company Response: Closed with explanation

Timely Response

2019-07-29

New Rochelle, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-07-29

Saint Clair, MO

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-29

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response