TRANSWORLD SYSTEMS INC
Consumer Complaints
There are over 4977 complaints on file for TRANSWORLD SYSTEMS INC. Dated between 2019-12-10 and 2014-12-12.
Complaints Page 14
2019-07-01
AL
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I purchased furniture for my daughter and grandson from the XXXX, AL location on XX/XX/XXXX. The store messed up the order THREE times and I had to receive a different ( less expensive bed. ) I finally received the correct shipment/merchandise and was told for my trouble they were reimbursing for the delivery fees. However, I never received a credit for the delivery fees and the invoices were never adjusted to reflect the merchandise that I received. I called repeatedly to customer service, went to the store twice and finally filed a dispute with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store disputed the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to dispute these new charges and was told I had to contact the store. I called customer service first who told me it was between me and the store so I went to the store a third time because I could not believe that the store could put additional charges on my store credit card without my authorization. I could not believe that it was so easy for them to pull my account and add charges and force me to pay for their error. On XXXX when I visited the store, I finally got resolution. I met with " XXXX '' who printed my invoices and saw where I was overcharged and never issued a refund for the delivery charges. He issued a credit of {$200.00} and {$59.00} to my Mastercard and {$110.00} to my XXXX store credit card. Reference Credit Memos XXXX and XXXX on XX/XX/XXXX. The disputed amounts on my Mastercard were reversed and the merchant received the {$360.00} and {$160.00}. NOW I received a collection notice dated XXXX ( three months after this has been resolved ) which was sent to the delivery address ( not my address ) for {$160.00}. I have attempted to call the number on the notice which is the corporate telephone number XXXX. Five phone calls and all I get is a recording. So here I am AGAIN with XXXX harassing and adding charges and strong-arming the customer to pay for services NOT rendered. And who will be punished? ME and my excellent credit rating. This is absurd that a company as big as XXXX operates in the manner and this needs to be looked into because there are others - just read XXXX Reviews.
Company Response: Closed with explanation
2019-07-01
North Hollywood, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: This complaint submission is in regards to a false credit report by TRANSWORLD SYSTEMS INC ( XXXX. XXXX XXXX XXXX, DE XXXX ). I have made attempts to rectify this matter with them directly, but they have now been unresponsive. I spoke with a few representatives by the names of XXXX XXXX, XXXX XXXX, & XXXX XXXX all who gave me different balance amounts. It took over an hour to find the alleged account belonging to me. When I spoke with Supervisor XXXX XXXX, she stated she would fax me all information regarding the alleged dept. I received a fax ; however, it was only for a settlement offer which I did not request. This led me to believe TRANSWORLD SYSTEMS INC is in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I have no obligations to which they failed to provide any evidence of. I called again and spoke with XXXX XXXX to retrieve a fax number to forward the Management Department a Debt Of Validation letter. I faxed her the documents on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after notifying them, I still haven't received a response. I respectfully asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$2100.00} ). I have never made any agreement with them or the original creditor to pay this alleged debt. I was also not properly notified of this false reported debt. I am requesting TRANSWORLD SYSTEMS INC to permanently remove my information from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, TRANSWORLD SYSTEMS INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not removed and updated immediately to all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ), I will be pursuing legal actions.
Company Response: Closed with explanation
2019-07-01
Federal Way, WA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Collection Company attempted to collect money from money I owe, which its been closed. The debts collection company is not the original debt collection company.
Company Response: Closed with explanation
2019-07-01
AK
Communication tactics
Debt collection: Private student loan debt
You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX keeps calling after I have asked her to stop. I told her to only call a certain number & then to stop calling all together. She has been calling without consent.
Company Response: Closed with explanation
2019-06-30
Baxter Estates, NY
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-06-30
Watkins, CO
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-29
Providence, RI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Hi, upon checking my credit files I saw I have a collection account with Transworld Systems Inc and it said the original creditor was XXXX XXXX, I reached out to all 3 credit bureaus ( certifiedd returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by the collection company and to reached Transworld Sysytems Inc if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents or bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with XXXX XXXX or this company, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file this is what I found, now I have to litigate this knowing I have never opened any type of utility service with them or any company before. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 3o days, nothing at all. I want this deleted from all my credit files please. attached is the letter that i sent them.
Company Response: Closed with explanation
2019-06-28
La Vernia, TX
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: I am filing a complaint against Transworld Systems Inc. ( TSI ) for violation of State and Federal debt collecting laws. TSI, a third-party debt collector that is collecting an alleged credit card debt on behalf of XXXX. TSI is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and the State of Texas Debt Collection laws under Title 5. Chapter 392. Specifically, FDCPA 15 U.S.C. 1692c 805. Communication in connection with debt collection and 806. Harassment or abuse, and Texas Finance Code Sec. 392.302.for using the telephone to harass me, and failing to abide by a cease and deist communication order. Additionally, TSI does not have a surety bond and has not filed a copy of the bond with the Office of the Secretary of State in the State of Texas and is in violation of State law by engaging in debt collection in Texas.
Note, in XX/XX/XXXX, I notified TSI in writing to cease and desist any communication with me, as well as my family and friends, in relation to the alleged debts owed. I advised that I did not want to be harassed repeatedly using the phone to annoy me by calling my home multiple times per day. The phone calls ceased altogether shortly thereafter. For some unknown reason, on XX/XX/XXXX, TSI resumed its harassing phone calls to my home, leaving voicemail messages with my personal information. The calls are originating from different local phone numbers with the prefix of ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX. I am attaching a screenshot of the voicemail log that I printed out from the XXXX XXXX XXXX ( home phone provider ) which contains a log with the phone numbers, dates, and times of the calls. The voicemail messages which have been preserved, state the following : This is an important message from Transworld Systems Incorporated a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX at XXXX XXXX XXXX XXXX. Again, that XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you. Transworld Systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ( screenshot of the transcribed voicemail is attached as well ) I have never revoked or withdrew my cease and deist notice. I have also not been in contact with TSI for some time now. Therefore, I am confused about why TSI has resumed contact, especially about this alleged debt that has been disputed multiple times over.
Company Response: Closed with explanation
2019-06-28
Chula Vista, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Transworld Systems, Inc. I reporting an invalid debt and illegally re-aging this debt on my credit report.
Company Response: Closed with explanation
2019-06-27
Washington, DC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-06-27
Sebring, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: This company avoids validating the debt correctly because is medical the just keep sending the medical bill and not showing you guy the answer which is a bill printout like always. I DEMAND FOR VALIDATION AND PROOF OF CLAIM so they can post the answer I will like Void My HIPAA Protection Law I would like the Company answer to be shared with you guys.
in response to a computer generated, unsigned letter dated received by Claimant from your offices. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to FDCPA ( VALIDATION OF DEBT ).
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with Title 28 U.S.C.? S 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
2. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules A complete payment history documented from original creditor. This requirement was established by the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, 7th Circuit Court, XX/XX/2004.
4. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
6. Provide verification from the stated creditor that you are authorized to act for them.
Disputing the Debt,
Company Response: Closed with explanation
2019-06-27
Memphis, TN
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I do not owe XXXX University or XXXX XXXX XXXX. Amounts shown on the statements I uploaded show {$300.00} payment made back to XXXX XXXX for {$1200.00}. And that I have a zero balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.
Company Response: Closed with explanation
2019-06-27
Falmouth, MA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have been getting a call daily, always around XXXX XXXX., from a company called XXXX according to caller ID. I XXXX it and it is a collection agency called XXXX XXXX. It is usually from ( XXXX ) XXXX, although they have used a couple difference numbers. The first time it rang I answered and a woman said something about a person whose name I did not recognize, although it sounded somewhat similar ( but not the same ) as one of my children. The woman wanted to speak to that person. I told her that I did n't know the person they were trying to contact and hung up. I do not answer the phone for them anymore even though they call daily. They do not leave a voice mail message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-26
Detroit, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: XX/XX/2019 I paid debt off I want it removed from my credit report as an owed debt
Company Response: Closed with explanation
2019-06-26
Lafayette Hl, PA
Threatened to contact someone or share information improperly
Debt collection: Federal student loan debt
Talked to a third-party about your debt
Complaint: I filed complaint XXXX, which was resolved and the company admitted that they will not attempt to sell me their loan consolidation service. They are not honoring that resolution and are now calling me from a different company named " XXXX XXXX XXXX '' or they sold my private information to another vendor. A woman named XXXX called from ( XXXX ) XXXX and spoke with my father giving him a reference number XXXX. She divulged my personal and private information to a person that is not authorized to speak on my behalf.
Company Response: Closed with explanation
2019-06-26
Chicago, IL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-06-25
MS
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XX/XX/XXXX, after personally tracking my student loans down because as I was informed, they were sold to several different companies. In that time, the loans either went into default or into collections. At any rate, after several attempts in talking with Transworld system who I was repeated told had my loans although they could not locate them for at least 2 months of which I continually inquired about them.
Finally in XX/XX/XXXX, someone was able to locate the loans and I responsibly set concurring payments on my student loan account with the collection agency, Transworld system. From XX/XX/XXXX, I have made consecutive payments through automatic drafts, and in that time up until this date XX/XX/XXXX, this account continues to show delinquent on my credit report. When I was first turned down for a loan, I called Transworld to inquire about the credit reporting and a representative faxed me correspondence showing that I was not delinquent, which was accepted by the lender however, it has never been updated on my credit report.
Just recently, I contacted Transworld to inquire about the reporting and was informed that even though my payments are secured, the reporting will show delinquent until the loan is paid off. I was told in the past by the representative that furnished my the correspondence to send to the lender that because my credit agreement is being satisfied, she did not understand why it was being reported delinquent.
This is indeed by question as well. Is there not a way to show that the terms of my agreement are being met? Can someone please assist me in resolving this matter?.
I have attached the correspondence that details my agreement and will supply any other necessary documentation to show these payments are drafted automatically from the account listed on the agreement.
Company Response: Closed with explanation
2019-06-25
Barnes, IL
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-06-25
FL
Written notification about debt
Debt collection: Medical debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: Getting sick was the worst mistake that I ever made in my life.The medical bills are outrageous and un-affordable, The company continually takes my life away from me and penalize me for being sick. I am a single mom who pay check is completely gone due to the fact that I cant afford to live and I definitely cant afford to be sick.I don't even have gas in my car for work what am I suppose to do at this point .Help please.
Company Response: Closed with explanation
2019-06-24
Tampa, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-06-24
Drummond Island, MI
False statements or representation
Debt collection: Private student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-06-24
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: ThisbillwasduetoacarAccidentXX/XX/2018XXXX
Company Response: Closed with explanation
2019-06-24
Euclid, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-06-23
Burbank, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: i am responding to this on a different complaint again but same issue.
From previously closed complain : Company 's Response XXXX XXXX XXXX " The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX ) received your correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your student loan which was previously serviced by XXXX XXXX XXXX ( XXXX ). The XXXX performed a review of your Continuing Education Loan ( CELN ) held by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Specifically, we reviewed the loans financial activity and credit reporting. In your inquiry, you expressed concerns about the unfavorable credit reporting that occurred on the loan. Because the loan had been current prior to the cosigners bankruptcy filing, you requested for the charge-off to be removed from your credit report. As you may already know, the cosigner on the loan filed for bankruptcy on XX/XX/XXXX. As a result, the XXXX defaulted in accordance with the terms of the Credit Agreement. At the direction of XXXX, the loan transferred from XXXX XXXX XXXX to XXXX collection manager, Transworld Systems , Inc. ( TSI ), effective XX/XX/XXXX. This information was submitted to the consumer reporting agencies. XXXX received and investigated your credit reporting complaint. XXXX investigation included the review of all relevant account history and documentation, including any information you provided. Based on this review, XXXX determined the information reported is accurate. Therefore, no adjustments will be made to the credit report. No further action is planned by the Office of Consumer Advocacy at this time. If you require any information on the status of the loan after its default, please call the collection manager, TSI, directly at XXXX ( telephone number ). For additional questions regarding your loan prior to its default, please feel free to contact XXXX directly at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX., ET. '' Ill be short and to the point. This account is a charge off supposedly XXXX owns it and TSI is currently in possession of my account. Id like to be provied proof and documents that XXXX actually owns this debt and that i even owe them. Provide the transfer paperwork and verify this debt showing the transition from XXXX XXXX XXXX and when it was a XXXX loan back in XXXX. If this account cant be verified and proven that XXXX legally owns this please remove and delete from all 3 credit bureaus.
Its been over 4 years since it was charged off and there is no other collections or accounts after XXXX charged it off. I believe this is an unverified debt and is noncollectable. As you can see i was current since XXXX has advised to Default and practice unfair practices I will be expecting proof of ownership and legal right to collect and if this cant be resolved here i will resort to legal action.
Company Response: Closed with explanation
2019-06-22
Baltimore, MD
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation