TRANSWORLD SYSTEMS INC

2017-02-10

Cordova, TN

Communication tactics

Debt collection: Medical

Called after sent written cease of comm
Complaint: I have been receiving letters from a debt collector on a debt that I am disputing. I have written numerous letters to the collector disputing this debt as well as contacting the doctor 's office that claims I owe the debt. I have been told by the collection agency twice in writing that my debt has been marked paid, but then a few months go by and it all starts again. My attorney sent them a letter of representation XX/XX/XXXX. I received a letter from them dated XX/XX/2016 saying the debt has been marked paid and the account closed. Then XX/XX/2016, I get another letter explaining some crazy billing error and that once again, my account was open and I owe the debt. Then I receive a letter addressed to me with the original amount they claim I owe, only this letter asked me to send my payment to some company I have never heard of. I replied to the letter informing them that I have never heard of such a place and I do not owe any money to them. Again, the letters started XX/XX/2016. On XX/XX/XXXX, I sent my 4th letter to this company reminding them that I am represented by an attorney and reminding them that I do not owe the debt. Today, while I am at work, I received a phone call on my cell phone from a number I didnt recognize. I answered it quickly since I am at work and the person on the other end spoke with such a thick accent that I could barely understand him. I asked him who he was and he said something I couldnt understand and then he said the letters XXXX, only not in the correct order. Those are the initials of the doctor 's office that claims I owe them money. I whispered into the phone that I dont owe them anything and I quickly hung up. I dont know what else to do. I have told them in writing that I dispute the debt. I have told them now over the phone that I dont owe them. My attorney has told them in writing. They have not tried to contact my lawyer at all. This company is breaking the rules in the Fair debt collections act and I want them to stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

San Antonio, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. I have this private loan with UAS loans for {$5000.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Dayton, OH

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Washington, DC

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

2017-02-09

Glendale, CO

Communication tactics

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

Called outside of 8am-9pm
Complaint: Transworld Systems has a collections account for XXXX XXXX XXXX. The debt I owe is partially valid. However, they called me today at XXXX Mountain Standard Time. The address on file is my address located in XXXX, CO. My phone number and prior account with ADT was in Eastern Standard Time. They have sent collections notices to my XXXX, CO address -- thus they should know what time zone I am located. Simple SSN skip tracing will also show my moving in XX/XX/2016. I called the phone number back and they read the debt statement to me per law. When I advised the agent their company had broken the law calling me the agent did not have a response. She stated they are in eastern standard time. And then continued to collect the debt from me. This call is a violation of the Fair Debt Collection Act.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-09

Atlanta, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: XX/XX/XXXX THIS IS CONTINUATION OF MY PREVIOUS COMPLAINT, BUT I HAVE NOT HEARD FROM THEM TO RESOLVE THE MATTER, PLEASE PROVIDE UPDATE, SEE COMPLAINT BELOW ***************************** I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN HIGH SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX PROGRAM- HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN XXXX, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX XXXXXXXX -- -- -XXXX ON - I NEED ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS *********************************************** XX/XX/XXXX I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Providence, RI

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: I have received repeated calls from " TransWorld Systems at XXXX and XXXX regarding a debt owed to a local public college. Every time, I inform the person calling that they are contacting me on my cell phone at an inappropriate time. I have asked every time for them to cease and desist calling me, and to send me correspondence via the mail confirming who they are, information about the debt, etc. They outright refuse to do so and continue to call me - and speak rudely and unprofessionally over the phone. Even after I explain that I have instructed them multiple times to stop communicating with me over the phone and send me correspondence to my address, they continue to try to ask questions over the phone. This company, TransWorld Systems, should be fined and ordered to end these practices immediately. Companies that harass consumers and use unfair or illegal practices to collect a debt should be forced to compensate the aggrieved consumer in the amount of the debt they are attempting to collect as a penalty and deterrent against this practice.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Clayton, MO

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Complaint: The company TRANSWORLD SYSTEMS INC. reported me to the credit bureau after I had set up payment arrangements on an account for medical debt .I was not informed that I could still be reported to the credit bureau after I had contacted them and set up arrangements to satisfy my medical debt. I made arrangements XX/XX/2016 for auto-pay to ensure they got their money. They reported me to the credit bureau XX/XX/2016. Nowhere on the statement does it disclose that I will be reported to a credit bureau. I was not told over the phone that I would still be reported 4 months after I had set up ongoing arrangements for ongoing satisfaction of payment of the debt. Unfortunately for me I was diagnosed with XXXX and this is what has happened, I feel as if I was taken advantage of and not presented with full disclosure. My credit has been perfect until my medical condition in which I had to quit my job.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-08

Columbus, OH

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

2017-02-08

Library, PA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: A few years ago, Transworld System had called regarding medical debts we owed to XXXX in XXXX, PA. I called XXXX Primary Care directly and paid all past due debts. Transworld continued to call for about XXXX months. Finally, XXXX called them and said we no longer owed any debt. The calls stopped. However, over the past XXXX weeks, the calls began again. XXXX to XXXX calls a day on my landline and several calls a day to my cell phone. They are attempting to collect the same debt ( form XX/XX/XXXX and XX/XX/XXXX ). I called XXXX, they stated we owe no medical debt at this time and they are not sure why Transworld is calling. They dumped Transworld XXXX years ago and have their own debt collection agency now. I asked Transworld Systems for a written bill of the debt from XXXX and have received nothing from them in writing.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Boca Raton, FL

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

2017-02-07

Houston, TX

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: ( No category above described the problem, so I picked the XXXX most closely related ... ) Transworld Systems Inc. notified me to collect a medical debt that I owed. When I tried to pay the debt online at the website the company provided, their server was repeatedly down over a two day period ( XXXX/XXXX/17 - XXXX/XXXX/17 ). I called during regular business hours to pay my debt over the phone, but my calls repeatedly went to voicemail, and no one ever called me back. This is deceptive. The goal of Transworld Systems Inc. seems to be to give people the false impression that they can pay their debt online or over the phone, then lull them into a false sense of security, so that when these attempts fail ( by design ), the deadline is too soon for a mail-in check to meet the deadline. In this way, Transworld can charge more interest.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-07

CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: XXXX Card debt currently in collection with Transworld Systems , Inc. Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XXXX {$1600.00} ; XXXX {$570.00} ; XXXX {$1000.00} ; XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. Transworld amount due is incorrect. Also transworld is adding Collection Charge and interest totaling {$2900.00}. XXXX XXXX # XXXX Debt collector may not collect any interest, fee charge or expense ...
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-06

Lawncrest, PA

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

2017-02-06

Lena, OH

Incorrect information on credit report

Credit reporting:

Account status
Complaint: Debt older than 7 years Proof of original collection data Please remove collection from all credit reporting agencies
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-04

Seattle, WA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: The city of XXXX erroneously issued a parking ticket to me in XX/XX/2015. After a couple of phone calls and a letter, the municipal court vacated the ticket ( the police officer had a typo when they put in the license plate number ). The court had sent me to collections with Transworld ( TSI ) ; I spoke with their representatives twice in XX/XX/2015. On the second phone call, they assured me that they had record of the court 's update and that the issue was resolved. I asked them to mail me paper indicating this, they assured me that they would no longer mail notices and that that was sufficient. However, they recently started calling me again and the collection is still on XXXX of my XXXX credit reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

Dellslow, WV

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

2017-02-03

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Dellslow, WV

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

2017-02-03

OK

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: This is for an XXXX credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as XXXX has now turned the debt over to a 3rd party debt collector called Transworld Systems Inc . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

New Caney, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Fred, VA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: Transworld Systems is in violation of the Fair Debt Collection Act, the Fair Credit Billing Act and the Telephone Consumer Protection Act. Thus, I am entitled to seek damages and remedy for these violations explained below. I found out about this account in XXXX of XXXX after calling my medical provider to receive a routine medical treatment. I was told by the provider that I owed a balance and was given Transworld 's contact info as the collection agency that had my account. I never received a bill or any notice that I owed money to this collection agency, nor did I know that my account was in collections prior to contacting the provider. After contacting Transworld, I stated that I would not be paying the alleged balance owed, that I was in the process of appealing this amount with the provider and insurance agency, and that I would not like any more phone calls until I investigated the matter and that I would follow up. I kept receiving phone calls from different numbers from Transworld, XXXX per day. After a few days, I answered the phone and told the representative that I was still in the process of investigating the medical charges and that I would not like any further calls until I called Transworld back. At this point, the representative took heed and the calls stopped. I spoke with the medical provider and sent another appeal to the insurance agency. On XXXX XXXX, XXXX, I called Transworld to update your records about the alleged account. I told the representative, XXXX, that I never received a bill from the company and asked when Transworld received my medical bill to determine where I fell in the XXXX window that is now afforded to consumers to investigate arbitrary medical charges before their delinquent accounts are reported to the major credit reporting agencies. XXXX, admitted that Transworld received mail back as return to sender that was allegedly sent to my home address. XXXX also told me that Transworld received my account in XXXX XXXX. I expressed my concern to XXXX about Transworld 's violation of the Fair Debt Collection Act, the Fair Credit Billing Act and the Telephone Consumer Protection Act by continuing to call me, repeatedly after I asked not to be called until I finished my investigation of the alleged charges, and by failing to send me any notice of what I was being owed and what exact services I was being charged for. I asked XXXX if Transworld had any internal procedures to deal with this sort of situation before I reached out to other entities to express my concern and she became very offensive. She began to speak to me rudely and harshly, she continued to speak over me and cut me off, and she told me " do whatever I have to do. '' XXXX also threatened me by stating that Transworld would be reporting my account to the credit reporting agencies right away, despite the recent agreement to withhold such reporting 180 days from the date of receipt. XXXX also forecasted that I would not have this bill paid by the insurance company and urged me to set up a payment arrangement prior to completing my dispute investigation and receiving my appeal decision. Next, XXXX placed me on hold with no indication for approximately XXXX XXXX minutes and came back to the phone explaining that she was waiting for a manager to come to the phone. She then told me that I had the option of continuing to wait or having a manager call me back. I told XXXX that I would like a manager to call me back and asked for her name. XXXX was very reluctant to give me her name, ID number, or any other identifier other than her first name and assured me that those in the company would be able to identify her. XXXX then told me that I did not have the option to have a manager to call me back and it was best that I call back tomorrow, go through the entire process over and try to
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Albuquerque, NM

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Coal Grove, OH

Taking/threatening an illegal action

Debt collection: Non-federal student loan

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Odell, OR

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Transworld Systems Inc continues to call the above number, 1x to 2x a day after I communicated to them that there is no one at this number by XXXX XXXX ( spelling?? ). They continued to call daily for 2 weeks after I communicated this to them. I spoke with a XXXX XXXX at Transworld today XX/XX/2017 and again answered the same question that there is no one here by the name they are asking for and to stop calling this number. I work nights so the continued phone calls are most disturbing and a form of harrasment in my opinion.
Company Response: Closed with explanation

Disputed: Yes Timely Response