TRANSWORLD SYSTEMS INC

2016-05-24

East Elmhurst, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Melrose Park, IL

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Medina, NY

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-05-24

Quartzsite, AZ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: XXXX charge appeared on my HSA showing XXXX/XXXX/16. This was paid via the HSA on XXXX/XXXX/16 and the check cleared on XXXX/XXXX/16. The minute clinic continued to send bills and I sent copies from the HSA showing it was paid yet they continue to dun me. Now they have sent it to collections. I shared the proof it was paid with them and they still continue to try and collect.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

IL

Disclosure verification of debt

Debt collection: Non-federal student loan

Right to dispute notice not received
Complaint: Transworld System Inc is the record keeper for XXXX which is a trust, not a lender like some reps at XXXX XXXX XXXX claim ( XXXX ). I need all of the negative marks removed due to misinformation that XXXX gives. There are multiple complaints against XXXX due to misinformation given, there are over a hundred online as of today. Per XXXX state law, XXXX ca n't force auto debit down my throat, I have told them several times that I will never do that with them. Also per XXXX is considered to be a XXXX debt buyer which means they have to adhere to FDCPA and FCRA. XXXX is a XXXX trust that sells debt into investment vehicles and has to prove whether or not they still have the loans. I have not received any proof of this which I asked for several times. Transworld has send some of the debt to a collection agency, but it is illegal to collect on a debt without showing me where it is currently per an attorney I spoke with. XXXX is a fraud they have received several XXXX and XXXX complaints against them which Transworld is aware of. My credit is trashed due to XXXX and their lies. Transworld outsources to other firms to do their work, the way their system is set up is so confusing. On my credit report, it shows that XXXX is a credit grantor which is a lie. XXXX is a trust and XXXX is a servicer. Per the FDCPA and FCRA, all of the information given to the credit bureaus must be accurate. I want all of the negatives plus the loans removed from my credit, I have told XXXX that I am not interested in doing auto debit with them. I even sent them a letter along with the forms saying to stop sending that information to me. I just found that XXXX of the loans was sent to a collections law form even though I was told by XXXX XXXX that he would hold the loans. Transworld is well aware of the complaints because they can go online to find them. My credit is ruined because of the way Transworld does business and they are in the business of confusing people, I can be sued over this debt even though XXXX refused to give me all of the required information, they only sent a promissory note but no information showing anything about XXXX. Also, whenever XXXX send out any letters it only states XXXX on the letterhead and XXXX XXXX XXXX for the name of the loan, again no mention of XXXX which is required for all paperwork. XXXX is a sham based on the complaints I read against them plus they use scare tactics such as wage garnishment, in order for any company to garnish my wages against me on a private loan ; they have an active judgement against me in the state XXXX. My federal loans were in current status, therefore the scare tactics are illegal.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Stkn, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-22

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Golden Isles, FL

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Arbutus, MD

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

2016-05-19

Baton Rouge, LA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Oxford, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I have already filed a complaint against younomics with CFPB where I have stated that I am disputing the loan amount and the interest charged. Complaint Number : XXXX. However, younomics ' agent/affiliate University Accounting Services went ahead and reported to the credit bureaus that I was behind payments. As a result my credit scores have fallen drastically adversely affecting my ability transfer credit card balances to 0 % APR cards and my ability to obtain new loans or advances. I spoke to someone from University Accounting Services yesterday, XXXX XXXX, 2016, to withdraw the reporting, to no avail. Instead they on their own, and without me requesting, have granted forebearance on my account from XXXX/XXXX/2016 to XXXX/XXXX/2016, but claiming that " during Forbearance, interest accrues and is capitalized at the end of the Forbearance period. '' Since I am disputing the debt itself and am complaining about the lack of response from younomics, younomics or its affiliate University Accounting Service should not adversely report to the credit bureaus and should withdraw the adverse reporting done so far.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

Beallwood, GA

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-18

Cortland, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Fred, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Roseville, CA

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

2016-05-18

Commerce, CA

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

2016-05-18

Vistas De Guaynabo, PR

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Don't agree with fees charged
Complaint: Yesterday I received the list with the rehabilitation checklist and I am going to return the information requested tonight. I am going to summit all the information requested because I am desperate and I want to find a way to finally end this nightmare, but that does not mean that this is a fair deal. For the last two years, with a big sacrifice, {$200.00} a month have been deducted form my check to pay my {$2100.00} student loan. In simple math {$200.00} X 24 month = {$4800.00} or more than twice the total amount of the loan. During those XXXX month, I never received any information from Transworld letting know the balance due or any information about my rights, you only collected the money and that was it. But I finally got tired of paying and decided to call and ask for information and after calling more that XXXX different phone numbers, ( I was transferred from one to another and to another ) I finally got in contact to a person called XXXX XXXX that informed me that if I wanted to put an end to this nightmare my only option was to continue paying the {$200.00} for 10 more months, plus a additional {$5.00} charge for 6 months and after that my loans was going to be pulled from " default '' and I was to be able to pay my principal. That means that {$4800.00} + {$2000.00} = {$6800.00} and then star paying the principal? How can a deal like this could be legal? I know that the collection Offices main business is to collect, but taking money away from a person with a {$12000.00} net salary a year? I am going to do my part of the deal, but I am letting you know in advance that I am going to look for legal help and I am going to start sending letter to the Congress, to the newspapers and even to Obama at the White House, to let them know how unfair people with students loans are crushed by the collection offices. Thanks XXXX XXXX XXXX account # XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-18

Bronx, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I filed a Identity Theft claim with this company XXXX XXXX XXXX when I found out that someone had forged my signature on a student loan. They replied that the owner of the loan was Transworld Systems Inc and that they had denied my claim. When I sent all the necessary paperwork to Transworld Systems Inc . They in turn replied that they do not make the decision on the IDentity Theft Claim. That the creditor XXXX XXXX XXXX are the ones who denied the claim. When I sent the information back to XXXX they in turn say its Trans world Systems Inc. Attached are all documents sent to both parties and their replies indicating that obviously no one wants to take the blame. The IDentity thft account has been sent to numerous collection agencies ( XXXX ) and when I speak with the agencies they all say that the original creditor is TSI Transworld Systems Inc. NO one is clearing my name from this account and I need resolution to this and quick! This ping pong has been going on since XX/XX/XXXX. I already put in other complaints against these companies with other government agencies like the Attorney Generals Office and FTC. Some how in writing to the companies and supplying all documentations isnt enough. On XXXX XXXX I had agreed to sign for a student loan for a friends daughter, with XXXX XXXX XXXX. Once there, they had spelled my name wrong and told me that they will send me corrected forms and that I will have to send them back with my initials. Needless to say I received the paperwork from XXXX XXXX on XX/XX/XXXX. Once Received I called XXXX XXXX XXXX at the number on the bottom of the letter and ask the representative how do I stop this process as I then realized that I did not want to proceed with the signing. The representative stated that the letter they sent me was self explanatory. If I did not return the forms signed and initials were indicated within the 30 days no further consideration will be given to the application. ( Letter attached ) so I did NOT return anything to them. I still have the original forms they sent me in XX/XX/XXXX IF you notice on the attached copies of the letters I have the LENDER COPY, BORROWERS COPY AND THE COSIGNERS COPY still in my possesion. I also have the Lender copy that XXXX XXXX XXXX sent me when I requested information on this Identity Theft. The Lenders copy has a date of XXXX/XXXX/XXXX with a forged signature. But for their conveience they seem to be only circulating to the the XXXX application I did on XXXX/XXXX/XXXX to the collections agencies and other parties involved so that they can try and collect on this so called debt .No XXXX seems to be able to find the forged signature application but yet they, american XXXX services were the people who sent it to me in the first place when I requested applications and other information used on this Identity Theft Account. It was only XX/XX/XXXX that I realized that this loan was out there. I am not XXXX to constantly pull my credit report for no reason but when I was refinancing my house, the broker told me that I had to explain the amount on this loan. Thats when I realized and immediately but in the IDentity Theft report with the FTC and file a police report and commenced with obtaining information used in the Theft Account with XXXX XXXX XXXX. Thats when XXXX immediately turned around and sent the account to a collection agencies. I told the collection agency everything they in turn sent it back to XXXX and then they turned around again and sent it to NCO then to XXXX XXXX, Now its with XXXX XXXX XXXX. They are a scam company and from what I am reading on the Database for the Attorney General in Pennsylvania there are alot of people complaining about these companies.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named " XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Mc Kinney, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-18

Fountainville, PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-17

Yonkers, NY

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

2016-05-17

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-17

Chatham, OH

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

2016-05-16

Longwood, FL

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response