TRANSWORLD SYSTEMS INC

2016-07-05

Santa Ysabel, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-05

Phila, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-01

El Lago, TX

Disclosure verification of debt

Debt collection: Medical

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-01

Concord, CA

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-07-01

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-01

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Marrero, LA

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

2016-06-29

Dearborn, MI

Improper contact or sharing of info

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

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Wilm, NC

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Danville, VA

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

2016-06-28

N Palm Beach, FL

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Metairie, LA

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

2016-06-28

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Situational brief : XXXX assigned to my husband and myself was confirmed both by the insurance agency XXXX XXXX and the XXXX office to be covered under the plan we had. The PCP was under the XXXX XXXX XXXX, which reportedly handles all billing correspondence between the XXXX and XXXX. -- - What happened : A routine wellness visit and related services were rendered by the doctor, which are fully covered with copay by the insurance plan, to which we paid the copay. The services should have been fully covered and paid out by XXXX to XXXX and the XXXX as a result. However, when the services were billed to XXXX by XXXX 's billing staff on behalf of the XXXX, an incorrect Tax ID was denoted for our XXXX. This was a clerical issue on their part which they have admitted to and apologized for multiple times. Since an incorrect Tax ID was used XXXX denied the covered services as a result. Even though XXXX XXXX was made aware that this was due to the incorrect Tax ID being used, the case was automatically forwarded to their collections department. When XXXX XXXX and XXXX XXXX were both informed of this oversight, Billing assured me that it had been redacted from Collections, however Collections was indifferent. -- - What I 've done to attempt to resolve this : Well over half a year has passed since this began, and all the while I 've been corresponding with the three parties to get this clerical issue sorted out. I have been assured by all three parties that this is of no fault of my own, and that there is absolutely nothing I can do on my end to amend their error ( as the XXXX Tax ID can not be disclosed to me, nor do I have any authority to amend the paperwork with this correct information ). I was assured by XXXX Billing Director XXXX every time we spoke that this would not be sent to collections, that no action was needed by my part, and that I can disregard notices being sent automatically regarding the " amount due '' as they were working with XXXX to sort this out. He explained that he was sending my case to their " specialist that handles cases dealing with XXXX '' and that it would be taken care of and would not hit my credit report. I had since been checking in with XXXX and XXXX periodically and been repeatedly told the same. One month ago I received a notice that my case was being sent to a collections agency if I did not send a Notice Of Appeal to inform XXXX and XXXX of any error. On XXXX XXXX I used certified mail to send this notice. XXXX has yet to confirm receipt. Just recently XXXX confirmed receipt and denied to pay out because the incorrect Tax ID is still being sent, and that I may request the information they have, and send it with a complaint to Illinois Department of Insurance ( I am waiting the 30 days to receive this info to do so ). Yesterday I received a letter from XXXX collection agency Transworld Systems INC. indicating that this has indeed been sent to collections and that it will be reported to all credit bureaus unless I pay the full amount due. -- - Info : The XXXX representative that assured me that this would not happen is the Billing Director XXXX. His direct line is XXXX. The main billing number for XXXX and/or the XXXX is XXXX. The PCP in question is XXXX XXXX XXXX, the direct number of the office wherein service was provided to us is XXXX ( she nolonger practices at this office, as the case is half a year old and she reportedly left due to numerous other instances of the same happening to other patients ' accounts, preventing her from receiving her payments ). The number for XXXX 's collections agency, Transworld Systems INC, which is wrongfully accusing me and holding my credit score hostage is : XXXX The number of XXXX XXXX is : XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Gretna, LA

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

2016-06-27

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Greenwood, CA

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Complaint: XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. Neither of the XXXX other major credit reporting agencies noted the account as delinquent. The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Houston, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I submitted a complaint on XXXX/XXXX/15 about transworld systems reporting a erroneous collection account on my credit. Per federal and state laws the burden falls on the debt collection agency to validate the debt and if they can not then the account must be removed. Based on the response from transworld systems they are unable to very that I owe a debt and requires more information. I have already supplied name, address, date of birth, and social when filling out the complaint as well as list the masked account number that was visible on my report. How can this be proper reporting when they basically wrote back saying they do n't know who I am. See previous complaint below. XXXX/XXXX/15 Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

Atlanta, GA

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Ewa Beach, HI

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Jackson, GA

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

2016-06-23

Lake Placid, FL

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

2016-06-23

Zachary, LA

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Montevallo, AL

Communication tactics

Debt collection: Federal student loan

Frequent or repeated calls
Complaint: I called Transworld Systems Inc and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Palos Verdes Estates, CA

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

2016-06-23

IL

Getting a loan

Student loan: Non-federal student loan

Qualify for a better loan than offered
Complaint: Transworld is a record keeper for XXXX loans but I asked on XXXX/XXXX/16 and XXXX/XXXX/16 for proof of debt but I never received it and now Transworld will send this debt to a law firm. It is illegal to do this because I have asked several times for proof of debt, the only item I ever received was a promissary note with XXXX XXXX XXXX on it. No mention of XXXX or Transworld, I want all of the XXXX loans forgiven due to the company violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I need this company investigated because XXXX will keep trying to sue on this debt even though they do not have proof that they own the debt, they offered to settle the debt for XXXX % which is not something I will do.
Company Response: Closed with explanation

Disputed: Yes Timely Response