TRANSWORLD SYSTEMS INC

2016-10-24

Columbus, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I previously filed a complaint because the debt collector was attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX in accordance with the service agreement. The debt collector responded to the complaint on XXXX/XXXX/2016 and stated that the account was closed in their system and that they intended to have no further communication with me regarding the matter. This has not been the case. I received a letter dated XXXX/XXXX/16 attempting to collect a debt referenced in the previous complaint. The letter also stated that they may recommend that the debt be transferred to a team of telephone collectors if not paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-23

Mill Valley, CA

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-10-20

Baltimore, MD

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-10-20

Cibolo, TX

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

2016-10-20

Altoona, PA

Improper contact or sharing of info

Debt collection: Non-federal student loan

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Las Vegas, NV

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-10-19

Albuquerque, NM

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Last year XXXX damaged a suitcase during shipment. XXXX never paid neither responded my claims. I opened a claim with my credit card company to get reimbursement from XXXX. XXXX never approved the claim of the credit card company. I gave up trying to collect payment from XXXX. Recently I started receiving debt collection notices with collection fee. A copy of the notice is attached for records.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Boston, MA

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

2016-10-18

Keyport, WA

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Complaint: XX/XX/XXXX To Whom It May Concern : I am writing to let you know that I have received your collection notice for a defaulted student loan in the amount of {$28000.00}. This debt, originally accumulated as a private student loan I received when I was enrolled at the University XXXX from XX/XX/XXXX-XX/XX/XXXX, was a debt that I began paying on after I began my XXXX career XX/XX/XXXX. Since that time, I have made monthly payments in increments of {$280.00} a month, from XX/XX/XXXX until XX/XX/XXXX. XX/XX/XXXX, I was informed in a phone call I made to you regarding my payment structure, that my student loan was in default after you received no monthly payment for two consecutive months. I received no written notification of this change of status when it occurred. I was told in that phone call that making an interest payment at that time, and continuing to do so until such a point that I could begin making payments on the principal, would in turn remove my account from default and would allow me to bring my debt into good standing. XX/XX/XXXX, after receiving notification that my loan was being sold to a debt collection service known as Transworld Systems, I contacted Transworld Systems and challenged the legitimacy of the debt on the grounds that I had received confirmation from a loan service specialist managing my account under your supervision, that providing interest payments on my loan would " bring the debt into good standing, '' and thus bring my debt out of default. I have yet to receive any acknowledgement by you, your company, or its affiliates, that you or your agents ever spoke to me regarding such an agreement. I am challenging your authority, therefore, in managing this debt, on the grounds that you and your affiliates are held responsible for false testimony and are ultimately guilty of perjury. Please feel free to reach me if you would like to schedule a hearing on this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Charlotte, NC

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I am unable to contact the company to pay my debt! I have tried to call, the contact home number on their letter is a XXXX recording. The phone number on their website just rings and rings and no one answers. Also, the registration code they provided to pay online does not work and I have tried on multiple devices. I just want to pay the debt but I have been unable.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-16

Princeton, NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-15

Bedford, TX

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

2016-10-15

VA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I had a charge off from a Miltary XXXX card. The amount of the debt was XXXX. I was garnished byTransworld Systems. I paid XXXX in XX/XX/2016 and {$250.00} every month. With the garnishment and the payments made of to XX/XX/XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-15

OH

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Received a recorded telephone call from Transworld Systems Inc. saying this was an attempt to collect a debt and to call XXXX XXXX at XXXX. The US Government is paying for credit monitoring for me for the next three years because their computers were hacked last year. I get updates and free credit reports. I do not owe anyone any money and I have an excellent credit score. I am not calling these people back because I looked them up and found that they are a scam. If they want to send me information on this supposed debt then they should do that otherwise I want them to stop calling me. I want this on record with the CFPB in case they try to report me to a credit agency fraudulently. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Moapa, NV

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I went to see XXXX XXXX XXXX XXXX XXXX XXXX for medical services on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX at XXXX ( business name ) Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , NV XXXX Phone # : XXXX. I paid my copay. My insurance company ( XXXX ) owes the remaining balance and is under a RECEIVERSHIP/Court order XXXX Judicial District Court of XXXX County, Nevada ( the " Receivership Court '' ), in case number XXXX, and pursuant to Nevada Revised Statutes chapter XXXX, entered its Permanent Injunction and Order Appointing Commissioner as Permanent Receiver of XXXX ( the " Permanent Receivership Order '' ) Per the court order XXXX can not bill consumers or patients, but have done so anyway and have ignored the court order. After explaining this several times by phone and email, on XXXX/XXXX/XXXX I received an email stating I was no longer in collection status from a XXXX XXXX XXXX. I continue to be billed and reported to collections. The last transmittal letter from Transworld Systems Inc. Collection Agency on behalf of their client XXXX XXXX XXXX XXXX is dated XXXX/XXXX/XXXX. My credit is being effected negatively and should n't be.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Ft Myers, FL

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Complaint: Hello, Currently, Transworld Collections sent a notice of SSI offset to an old address, however they had my current address, as I have received the current invoices. Because of this, they were able to convince the DOE that I did not respond, therefore DOE allowed the offset. Previously, I hired a student loan specialist, XXXX from XXXX, in XX/XX/XXXX. We spoke with Transworld on many occasions, to no avail. Additionally, explaining that I would be retiring on XX/XX/XXXX. They were uncooperative and gave us the runaround ( the complexities of which I will not go into here ). According to the info I have read on the DOE website, these people are suppose to work with student loans for rehab purposes. They were already receiving XXXX {$400.00}. per month and to rehab they insisted on an additional XXXX This was not affordable. I am retired now and on Social Security of $ XXXX month. Nor was it in compliance with - " The law has always said that borrowers only have to pay reasonable and affordable amounts. '' IE : New Rules for Loan Rehab-XX/XX/XXXX. They would not budge. A real mess that could have been avoided if they had adhered to the laws enacted by DOE. Then we sent XXXX pages of past efforts to rectify the situation to the Ombudsman 's office of DOE. No conflict of interest there ... Transworld was hired by the DOE. Also, I explained the predicament to a representative of the DOE-Ombudsman office, XXXX, she told us to call Transworld and renegotiate? My student loan specialist and I had done so in preceding months which we explained in the cover letter to the Ombudsman 's office when we sent the pages. At this point, I am hoping that your office will negotiate a minimal payoff or to rectify their use of false pretense to offset {$150.00} from my SSI. According to Social Security, collections agencies are entitled to 15 % of any monies from SSI over {$750.00}. per month, which would be {$39.00}. not {$150.00}. Please help me, I am running out of options ... as all the lawyers I have contacted will not take the case, saying that it is a matter for a negotiator. If I had the money I would sue DOE and Transworld. I have been honest and cooperative in the face of their manipulations and high-handedness ; however it is obvious that a more legal stance is necessary. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Hanceville, AL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Complaint: My private student loan ( through XXXX XXXX ) defaulted in XXXX 2014. I had lost my job in XXXX 2014, and I explained this to them. The loan was eventually bought by TransWorld Systems. I have a payment arrangement with TransWorld - {$100.00} a month is automatically deducted from my checking account. This arrangement has been ongoing for over a year. For the past month, I have received repeated calls from TransWorld - a XXXX XXXX. Sometimes he leaves a messages ; sometimes he breathes into the phone. I want this communication stopped. XXXX XXXX previously suggested I borrow the money to satisfy the debt to TransWorld. Numbers he has used are : XXXX ; XXXX ; XXXX ; XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Salinas, CA

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

2016-10-13

CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Both debts, ( XXXX XXXX hospital, XXXX XXXX XXXX ), occurred while I was unemployed and homeless. I was covered by XXXX. Also known as XXXX now. XXXX XXXX 's medical safety net program. In both cases I submitted my information at the hospitals.As required by XXXX. In both cases it was n't possible for me to return to XXXX. for treatment. In XXXX I passed out from XXXX, thus the ambulance. In XXXX XXXX I was a outpatient and treated for a XXXX. When in XXXX XXXX My car had broken down .So, at XXXX I did n't have any transportation to the closest XXXX hospital ( XXXX-XXXX miles away ). I was told that in situations like the one I was in. Reciprocal services are extended between the counties.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Inglewood, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Coral Gables, FL

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-10-12

Covington, GA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Philadelphia, PA

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Having problems with customer service
Complaint: I have been attempting to obtain a reduction in student loan payments. Currently, my wages and income tax refunds are under garnishment. On XXXX occasions the necessary paperwork has been submitted yet my responses have been in the form of letter advising me the XXXX has submitted my account for debt collection. On XXXX/XXXX/2016 I received a response to my latest request for a reduction. I immediately contacted the XXXX number ( Saturday hours were listed as XXXX ) at XXXX and received a recording the office was closed. On XXXX/XXXX/2016 I received another notice advising me the XXXX had placed my account in delinquency status with a collection agency ( Trans World Systems Inc ) and they were unable to contact me and I needed to contact them. I called and spoke with XXXX XXXX, who informed me the reason they send me this notice was due to their inability to get in contact with me and I needed to submit the same form I had submitted ( I have copies believe the credit agencies are UNFAIR in their practice and deliberately or callously delay repayment negotiations by constantly asking for the same information or in my case generating a debt collection notice when in fact the account is being repaid. The notice does not state a reason why all the paperwork was rejected or what was incorrect. The letter tells me to send all correspondence to the collection agency address. I submitted over 20 pages of documents and it is obvious they received something, what I find troubling with this situation is why I receive a debt collection notice rather than a professional acknowledgement of my documents as well as what items are further needed to process my request. It is time-consuming to gather all the documents required by XXXX for consideration of reduction. I am deeply troubled by the {$20.00}, XXXX in penalties assessed to my account and how no communication is mailed to me on a regular basis since my wages are garnished on a regular basis. Nor do I receive a balance statement. In the past I had to file numerous complaints against the collection agency for harassing calls at my workplace, cell phone and home phone. As I have stated to the agency in the past, I do not want phone calls, I want all communications in WRITING. That is not illegal or against the law to ask for this request. Yet when I submit information in writing, I am told they could not contact me and I need to call them. But when I call I am told I need to resubmit information previously submitted but with no explanation as to what if anything was incorrect. Not only do I seek a reduction in my monthly payments, but I am requesting to receive a monthly statement indicating how my monthly and yearly payments have been applied over the past two years as well as payments in the past. I feel the collection agency is being deceptive and assumes that customers are ignorant or afraid to question their questionable business practices.
Company Response: Closed with explanation

Disputed: No Timely Response