TRANSWORLD SYSTEMS INC

2017-01-02

Philadelphia, PA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I received a letter from Transworld Systems Inc. dated XXXX/XXXX/16 for the amount of {$110.00}. I have no idea what this debt is about since I pay all my road tolls, parking tickets and medical bills. I have never received a bill from a creditor for this amount so this is the first communication I received about owing a debt. The letter did not state who the creditor was or what the bill was for. The Transworld website contained no information to check this account for me to look it up. The phone numbers listed on the letter and website are dead numbers so the company can not be contacted. I have read online ( consumer reports ) that other consumers are having their credit reports damaged by this company who ca n't be reached for questions about the debts they 're trying to collect. Please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-01

TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: creditor withdrew original.debt told collector drop but it is still on my credit report
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-30

Billings, MT

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Baton Rouge, LA

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

2016-12-29

W Jordan, UT

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Harrisburg, PA

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

2016-12-29

TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Orion Twp, MI

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: The collection company did not send verification of debt and right to dispute. The address information they had on file was incorrect. Other collection agencies have deleted their accounts due to this ( attached is an example ), but this company does not want to abide by the federal laws. I have made several attempts to communicate this to them, but have been unsuccessful in receiving a requested call back in over 30 days now.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Belle Haven, VA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I found a collection for an old utility bill that was paid several years ago. It was reported by Transworld Systems on XX/XX/XXXX. I never received notice of this collection to be able to dispute. I spoke with several people at the collection company, XXXX telling me that they showed the debt had been paid in XX/XX/XXXX. A supervisor told me they were mistaken. When I asked them to remove the collection from my report and send me documentation on the debt, I was told that it was a process and would take a while to resolve. I spoke to the original Creditor XXXX ( Who I still have an account with ) to address, they told me they did not know why it was reported, they showed no open collection account for me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-28

Braddock Hills, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-27

Detroit, MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Seneca, SC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Burlingame, CA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: I am trying to contact TSI to discuss my bill and nobody answers the phone and the answering machine is full so I am unable to talk to anyone to resolve my issues. There was a misunderstanding and I am not able to talk to anyone to resolve this issue. Because of this I am afraid this will negatively affect my credit rating. As soon as I received the bills from TSI I paid immediately and I am requesting they do n't submit this late payment to the credit bureaus. My payment was no more than 31-60 days late.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-24

Sarasota, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Owned XXXX on damage debt and settled payment on XX/XX/2016. They sent collector Transworld System , Inc. Collection Agency that it was not collected w/ letter dated XX/XX/XXXX. I have copy of credit card payment of the debt was collected by XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-24

Chicago, IL

Communication tactics

Debt collection: Federal student loan

Frequent or repeated calls
Complaint: How ever many attempts to speak with XXXX per operator. They state he should called me back than they transfer Me XXXX and said he would called me back.XXXX if this number is right still no called from your agency 's of Transworld collection. Now since XXXX sent my loan to Tranworld no one answer the phone for the whole of this month, I need to speak with someone about my loan please help someone from Transworld Collection thanks. As of XX/XX/2016 no answer please someone help this retired senior citizens please help some body hear my cry. Thanks.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

Orion Twp, MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I am continuously being called about a debt that I do not recognize. I have asked the company to provide a proof, they mention that they will send it out however I did not receive it. And the calls continue to be made and they claim that they will send out the information. This is becoming quite irritating.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Dayton, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Sebring, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Scottsdale, AZ

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: My husband has a private student loan he obtained before our marriage ( I was a minor ). He was delinquent, and in talk for a payment plan with them, when a judgement was filed against the both of us. I am attaching paperwork we signed showing that this judgement was to only be against him. Despite this, I have a judgement listed on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Fort Pierce, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: TRANSWORLD SYSTEMS INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXXConsumer Hotline : ( XXXX ) XXXX-XXXXConsumer Hotline Fax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TRANSWORLD SYSTEMS INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TRANSWORLD SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-20

Patterson, MD

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Complaint: I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Grandville, MI

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2016-12-19

DE

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Complaint: The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-17

Tyrone, NM

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: Duplicate reporting with different balances : Account # 1 {$170.00} Balance XXXX Original Creditor {$170.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Account # 2 {$280.00} Balance XXXX Original Creditor {$280.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. Responsibility Medical Remarks Account # 3 {$610.00} Balance XXXX Original Creditor {$610.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. Responsibility XXXX Account # 4 {$72.00} Balance XXXX Original Creditor {$72.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. Responsibility XXXX
Company Response: Closed with explanation

Disputed: No Timely Response