TRANSWORLD SYSTEMS INC

2016-03-31

Country Lakes, FL

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Milpitas, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: I was made aware of the suit between the CFPB and XXXX XXXX, specifically regarding the high interest XXXX loans. I was forced to take out one of these private loans or have to drop out of school in XXXX XXXX. I was originally quoted 6.8 % but ended up not getting approved for whatever reason and landed 14.9 %. I was never notified of the suit until I found out on my own recently. I graduated in XX/XX/XXXX but my transcripts and diploma were withheld until XX/XX/XXXX. My loan was sold to University Accounting Service in XX/XX/XXXX. I am not sure how or why. I have had issues with them from the beginning. Their site is very sketchy, they have added a new " convenience fee '' so that I can continue to pay with my debit card. The fee will be waived if I give them my bank account information! I am not comfortable with this. Last month they sent me XXXX statements to pay. It seems like it is always something new. With the high interest, I will never be able to pay this loan off. I recently asked them for proof that they did in fact have my loan and all they could send me where the transfer papers. Which I have. The XXXX address does n't match and they could not provide me with anything else. When I called them asking questions abou the XXXX % decrease that should have been received due to the law suit they were annoyed. They said I did not qualify. I asked about a possible forbearance until my attorney could get to the bottom of this and they said they could no longer speak to me and if I had infact been speaking to an attorney about this matter that all communications and requests for my original loan documents would have to be from the attorney. I am stunned. I do n't know what to do, what my options are and received no answers regarding the decrease in my loan. Now they refuse to talk to me period and I will have to continue paying them or risk credit issues? I am sick to my stomach and have no idea where to go from here. Please help!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Federal Way, WA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: {$25.00} debt incurred on XX/XX/XXXX. Debt thought to be resolved with XXXX XXXX after speaking with billing department they were going to re-bill insurance as insurance company had not paid bill correctly. Instead bill was sent to collections XX/XX/XXXX. Spoke with insurance, they paid bill in full and debt was removed from collections XX/XX/XXXX. Bill sent to collections by XXXX XXXX again XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Madison, FL

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

New Market, AL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Lanham, MD

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

NM

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: On XXXX XXXX, 2016 at XXXX XXXX, I received a call from ( XXXX ) XXXX. The caller was female and stated she was with Transworld Systems and asked me to verify my identity ( last XXXX of my social and/or birth date ) before she could disclose why she was calling. I told her that seemed fishy and I would not give any identifying information without knowing why they were calling. She refused to give more information and said they would contact me by mail. I conducted a reverse lookup on the phone number and it returned to an individual located in XXXX, TX, not any company. Today, XXXX XXXX, 2016 I got a call from ( XXXX ) XXXX. I have had repeated calls from this number and no one ever answers on the other end. I had a call from this number on XXXX XXXX at XXXX, on XXXX XXXX at XXXX, and today at XXXX. I chose to call the number back to ask to be removed from their call list. The person answered as " Transworld Systems '' and asked who I was. I gave only my first name and told them I wanted my number removed from their list. She asked if I was ( my first and last name ) and I said yes, then she said they had been trying to reach me. I told her that I had already spoken to someone and they refused to tell me why they were calling. I also told her that I have no outstanding debts and that there was no other reason for them to be contacting me. I asked to speak with a supervisor to be removed from their call list. She never offered to transfer me to a supervisor, but confirmed my telephone number and said I had been removed from their call list. When I looked up this phone number, it did not come back to a company, but showed up on a list of possible scams.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-29

Madison, WI

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans, instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either " call the credit bureau '' or " that 's not my department, call this number. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-27

San Francisco, 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

2016-03-25

Thousand Oaks, CA

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-03-25

Washington, DC

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-24

Greenwood, WA

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

2016-03-24

Wickes, AR

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

2016-03-24

Woodmoor, CO

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

2016-03-24

Portland, OR

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-24

Clarkston, MI

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

2016-03-23

Center Moreland, PA

Disclosure verification of debt

Debt collection: Auto

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

Disputed: No Timely Response

2016-03-23

OH

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: Medical bill in a payment arrangement. Was sent incorrectly to collections by original creditor. Called & let them know I was in a payment arrangement & it was mistakenly sent to collections. Original creditor corrected on XXXX/XXXX/XXXX, report was sent to collection agency XXXX/XXXX/XXXX & I received another letter on XXXX/XXXX/XXXX. I called the collection agency XXXX/XXXX/XXXX & they said I still had an active account in collections.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-23

Coram, NY

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I noticed this debt for {$860.00} and will like more information on the debt to resolve the problem and remove from my credit report
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-22

Nashville, TN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: A private student loan of mine has gone into default due to lack of wages. The former owner of the debt XXXX XXXX XXXX apparently sold the debt to Transworld Systems. The account was immediately put on my credit and into collections. I did not get a notice that my debt was being sold ( which is required by law ) and Transworld Systems has made no attempt to contact me to prove ownership, correct balance or to even state they have taken over the debt. I would like an investigation to be conducted into the practices of these XXXX companies.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

AL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: My family and I had been going to a dentist for several years, always paying the balance of what our insurance did n't. On our last visit, our child had a XXXX put in. I live almost an hour away and was told that it was really precautionary measure to avoid XXXX and she would not charge because of it being so small. Well, it came out 2 weeks later, and also this dentist had been constantly XXXX which caused me to XXXX and cause XXXX. Finally, I became accustomed to it. I decided to find another dentist for our family because the XXXX would come out after a year and she would recharge us to fix them. The new dentist office called our old dentist to get our records and they were told that they did n't know us. Finally, they sent them. I started getting text bills and ugly phone calls saying we owed {$130.00}, at this time, we had n't received a paper bill, just text messages started coming, and are being harassed by collection agency They are stating that we owe {$130.00} XXXX on XXXX/XXXX/XXXX. The phone calls are coming after XXXX. I wrote a check for {$27.00} for XXXX that day which I was told was all I owed. Now I see we were charged XXXX. The collection agency said tonight that we owe XXXX. I took my dentist bills out and when I look at our insurance acct, it states I should only owe {$61.00} and it was filed so much later than the cleaning and it all happened on the same day yet no bill. I did n't know what to do and I did not want to pay the {$130.00} because two weeks later, filling had come out. I notified our insurance company and they stated they had received a bill for this filling in the amount of {$170.00}. They paid {$47.00} and our dental plan gave us a {$66.00} discount for being in network. We did owe {$61.00} since she decided to charge for this XXXX work which she did n't let me know about until she turned me over to collection. Insurance paid on XXXX/XXXX/XXXX and they cashed XXXX/XXXX/XXXX, remember this all took place on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I took a check to this dentist. She said she would stop the calls, well today is XXXX/XXXX/XXXX, husband still getting calls on his job. Bill is paid. What do I do? All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Allingtown, CT

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

2016-03-18

N Hollywood, CA

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response