TRANSWORLD SYSTEMS INC

2016-05-05

Memphis, TN

Improper contact or sharing of info

Debt collection: Medical

Contacted me after I asked not to
Complaint: This is a collections attempt for a $ XXXX balance with XXXX XXXX XXXX XXXX XXXX . The balance was paid on XXXX XXXX, 2016 to the doctor 's office directly for the full balance. I received phone calls between then and XXXX XXXX, 2016. I called in and informed the company that the debt had been paid. I asked them per the Fair Debt Collections Practices Act, to cease further communications on the debt. I continued to receive phone calls and then received a letter today on XXXX XXXX, 2016 about the debt. I called in and spoke with a collections supervisor, XXXX XXXX, about the continued collection attempts after my cease and desist. I informed her that if there were any additional collection efforts on this bill, I would be consulting with an attorney. I appreciate collections efforts within the scope of the law, however, collecting on a debt that has already been paid is illegal.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

San Antonio, TX

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Manhattan, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Baederwood, PA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Dunnellon, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-02

MI

Taking/threatening an illegal action

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

Sued w/o proper notification of suit
Complaint: I XXXX from XX/XX/XXXX - XX/XX/XXXX. 23 years ago, as a XXXX XXXX in XXXX and XXXX, I opened an account with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). After paying the balance in full in XX/XX/XXXX, I closed the account and made no additional purchases. I eventually left the XXXX in XX/XX/XXXX and subsequently took up residences in XXXX, XXXX, XXXX and now XXXX. I bought my current home in XX/XX/XXXX. When applying for this mortgage, my credit report had a clear record, without any delinquencies. On XX/XX/XXXX, I received a certified letter from XXXX 's collection agency Transworld Systems Inc. ( TSI ) that provided notice of a wage garnishment to be applied due to outstanding debt to the federal government of more than {$2000.00}. I had no previous knowledge of these charges and began to investigate. After many phone calls, emails, letters and reviews of credit report information, I was able to ascertain that sometime in XX/XX/XXXX, XXXX allowed this 20-year closed/dormant account to be re-activated and permitted someone to charge over {$2000.00} using my temporary XXXX address from XX/XX/XXXX. The following timeline and facts apply : On XXXX XXXX XXXX, I received a certified letter from XXXX/Transworld Systems Inc. ( TSI ), that advised me of a Notice of Intent to initiate administrative wage garnishment proceedings. The action stemmed from an apparent XXXX debt. ( ATTACHED ) On XX/XX/XXXX, I called XXXX and collected as much information as they would tell me. From this call I learned the charges occurred in XX/XX/XXXX against an account that had been closed/dormant for 20 years. XXXX advised the issue was now being handled by their collection agency, TSI. On this same day, I emailed a request to XX/XX/XXXX/TS requesting a fraud investigation into this matter. On XXXX XXXX XXXX, I received a letter from TSI acknowledging my fraud allegation and requesting additional information from me to support my claim, to include a police report, XXXX forms of ID, XXXX copies of signatures, and affidavit of forgery. On XXXX XXXX XXXX, I received an email from TSI indicating Proof of Debt was requested from XXXX. This TSI email stated " The garnishment order will remain on hold to afford you time to review all documents provided. '' ( ATTACHED ) On XXXX XXXX XXXX, I received the XXXX Proof of Debt. This information was limited to partial account statements but failed to indicate what products were ordered, when they were ordered and where they were delivered. On XXXX XXXX XXXX, I provided the requested information to TSI, to include the affidavit of forgery, sample signatures, police report, identification copies and proof of residency location over the last 20 years. On XXXX XXXX XXXX, I received a letter from yourself, XXXX XXXX XXXX, Risk Supervisor for XXXX, indicating receipt of my dispute and notification the case was assigned to an investigator. On XXXX XXXX XXXX, I received a notice from the Department of Treasury, Bureau of the Fiscal Service, that {$2200.00} was withheld from my federal tax refund due to this disputed XXXX debt. This letter indicated the involved agency ( XXXX ) previously sent notice to me indicating the intent to collect the debt to include intercepting federal payments, including tax refunds. The original certified letter received from AAFES/TSI made no mention of this and only addressed wage garnishment. Federal law under the Treasury Offset Program includes a Due Process prerequisite that requires a 60-day notice is provided to the debtor of the intent to offset as well as the opportunity to dispute the debt. I was n't provided notice of intent to offset. The notice I was provided did n't allow for due process and the 60-day requirement. And the dispute was acknowledged by XXXX and TSI yet the offset still occurred ( ATTACHED ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-30

Needham, MA

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

2016-04-29

Winton, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Rialto, 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

2016-04-28

Baldwinsville, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Albany, CA

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

2016-04-28

Walnut Shade, MO

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Chino Hills, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Charlott Hall, 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

2016-04-28

Bronx, NY

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

2016-04-28

Temperanceville, VA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: 8 years ago, I cancelled my XXXX service as I no longer had a house phone to connect the service to. Now 8 years later they are saying that It was cancelled due to non payment for some months. I never received any communication on this until now * years later. I have had several loans since then and it never showed on my credit reports. I think they botched up their records and are trying to recoup stuff that is not owed. ALl I got in response was scripte answers. I called them on XXXX/XXXX/2016. I called XXXX XXXX and the collection agency Transworld Systems , Inc XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

IL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: Transworld Systems Inc claim they are the record keepers for XXXX but per XXXX state law, they are a trust not a lender like XXXX XXXX XXXX claim. In order for any servicer or collection agency to collect on this, they will need to show the dates of delinquency, how much is owed, when the loan was sold, proof that XXXX still owns the loan because is a known fact that XXXX sells debts into investment vehicles which means the loan could be anywhere. XXXX must have all of the correct documentation before anyone could collect on it per XXXX law. This is showing as 180 days past due but I have never received actual where my loan is, a promissory note is not enough information since debts are bought and sold all of the time. I spoke with a consumer rights attorney XXXX and they XXXX say the same thing, that the servicer and the collection agency must have proof they are suppose to collect on the loans. XXXX is a XXXX trust, not a lender or guarantor. I was also notified that XXXX used XXXX XXXX to finance which means they are not a lender because they are not a bank or credit union. It is illegal to collect on this debt without the proper documentation. I want the loans completely removed from my credit report because what XXXX must have possession of the loan to collect on it which is hard to prove since they sell loans as investment vehicles to shareholders.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Alexandria, VA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-27

Beloit, WI

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

2016-04-27

Chickasha, OK

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

2016-04-27

Lakewood, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-27

Council, NC

Disclosure verification of debt

Debt collection: Federal student loan

Not disclosed as an attempt to collect
Complaint: Best describes for my issue is all the above. The collection agency Never sent a bill, notice of the debt, and no collection letters. I was notified with legal papers to garnish my wages. That 's how I learned the debt was with a collection agency. The US dept of education garnish my XX/XX/XXXX & XX/XX/XXXX federal tax refund. I have n't received a bill since that was done. I got a letter from the US Dept of education advising my refund was taken. That letter is from XXXX XXXX. Now 6 months later I 've received from a collection agency a garnishment letter ; no communication received prior to this garnishment letter dated XXXX/XXXX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-26

Stkn, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-26

Nashville, TN

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response