TRANSWORLD SYSTEMS INC

2016-01-20

Jackson, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Oregon, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: This company tried to force me to agree to pay $ XXXX. to avoid collections. I told them I could only afford $ XXXX. They would not accept this, so I told them I would send what I could afford. I also informed them that if they were n't willing to work with me, they would get even less if they sent me to collections. I then came into extra money, so ended up sending them {$120.00} over two months ( almost double what they demanded ). They still sent me to collection!!!!! They said it was because I did n't have a formal agreement - which I was n't willing to do because I did n't know that I could meet the required amount each month.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

West Duluth, MN

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

2016-01-19

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Cont'd attempts collect debt not owed

Debt collection: Federal student loan

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Harsens Is, MI

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

San Francisco, CA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: " XXXX '' at Transworld Systems Collection Agency called from phone number XXXX. She has been calling on the weekends. The number she just called ( XXXX ) XXXX, is my work number. I answered and told her that this is my work number. She said " Well, I 've been calling your cellphone and no answer so I 'm calling this number. Can you verify the last XXXX of your social? ". I told her again that this is my work number and I ca n't talk about my debt in the office and asked her to call my cellphone as we spoke. She said " I ca n't call it - you can call me at ( XXXX ) XXXX and ask for XXXX ''. I called her and she had a very nasty attitude and said my last payment bounced for non-sufficient funds. I told her I do n't have the money so I do n't know what else to do. She said I can either pay " voluntarily or involuntarily '' and they have verified my employment so she will garnish my wages since I ca n't pay my bill. Please note that I have never provided my work phone number nor, did I provide my employer information. The debt they are trying to collect is my son 's emergency room bill from last year BEFORE I started to work for this employer. I believe she might have searched for my information online and used what she had found ( possibly XXXX ) to contact me. I am afraid that she will continue calling my employer even though I never provided this contact information to them and they have researched alternatives to contact me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-18

Washington, DC

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

2016-01-18

Providence, RI

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

2016-01-17

Fridley, MN

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-01-17

Ocklawaha, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: The school is XXXX, a XXXX XXXX, in XXXX XXXX FL. XXXX XXXX was the lender, but they have relinquished the loan. A company called UAS is sending collection notices for the loan, but would not honor the income based payment arrangement with XXXX. When called, the company instructed us to go to the website. The website instructed us ( The borrower and the co-signer ) to email. After numerous attempts to call and e-mail with no response, we sent in the payment that was negotiated with XXXX. We then recieved late payment notices. We made more attempts to call and e-mail with no response. We sent a certified letter to UAS, which was also not answered. We filed a complaint here, on this website. A man from UAS called on XXXX/XXXX/XXXX in response to the complaint, but refused to identify himself. He said that we had to send XXXX checks to the same address, XXXX remitted to XXXX Student Funding and XXXX remitted to XXXX XXXX XXXX XXXX explaining that UAS is just a third party collector. The co-signer explained that neither of these financial institutions had contacted either the borrower or the cosigner to introduce themselves as the holders of the loan. She explained that without FDIC numbers and the location of their home offices with something in writing showing they were the legitimate holders of the loan, there was no way we would send any more money. The man said he would arrange for these to be sent. UAS then began calling the borrower and the co-signer daily, but when the phone was answered, no one was on the line. On XXXX/XXXX/XXXX, the co-signer called UAS and talked to XXXX XXXX and repeated the nature of the conversation on the XXXX. She instructed the co-signer to call XXXX directly to obtain the information, giving the phone number ( XXXX ) XXXX and saying the company is now called XXXX. The co-signer called and left a voice mail. On XXXX/XXXX/XXXX, XXXX from UAS called the co-signer, but when the co-signer asked her why she was calling, XXXX apologized and hung up with no furtehr explanation for the call. On XXXX/XXXX/XXXX, XXXX from XXXX XXXX XXXX XXXX called the co-signer and said he was returning the voice mail she had left. The co-signer explained that she had called XXXX and asked who was XXXX XXXX. XXXX said they are the same company. He did not tell her why the company was using XXXX names. He then told her that she was not listed on the loan, and he could not discuss it with her, only with the borrower. The co-signer told XXXX that she most certainly is the co-signer and she distinctly remembers signing the loans, but XXXX would not discuss it further with her. After this, the co-signer started to recieve phone calls from a caller with a foreign name on the caller ID - it appeared to be XXXX script, not XXXX alphabet, but it was the same as the UAS calls, no one on the line when answered. The borrower, who had been recieving daily calls with no one on the line began recieving multiple calls from UAS per day, always with no one on the line. Returning the call always results in no answer. Both the borrower and the Co-signer recieve multiple billing statements per week from UAS, and still have not recieved any proof of debt or proof of legitamacy of the financial institutions for which they claim to be collecting. In the period from XXXX XXXX, XXXX to XXXX XXXX, XXXX, the borrower has recieved XXXX collection letters, and the co-signer has recieved XXXX collection letters ( even though XXXX told her she is not the co-signer ).
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

PA

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

2016-01-16

Philadelphia, PA

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Complaint: They have for communication skills XXXX XXXX claims they put me in a loan rehabilitation program for XXXX dollars a month for nine months I have mailed the paper back three times and they claim they have never gotten it so now I have a put my loans into default with a they 're debt collecting agency Threatening me on how they are going to get their money obviously someone is not doing their job because every time I mailed the paperback they do n't get the paper so something is wrong here they also claim they can not postpone my payments so they gave me the option of a loan rehabilitation program
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Lancaster, PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Complaint: The U.S. Department of Education issued XXXX XXXX a XXXX-Total, Permanent XXXX- which clearly means that I do not have to pay back my student loans. I was served XXXX XXXX, with a Civil Suit by XXXX XXXX XXXX XXXX XXXX XXXX. I have sent them copy of my XXXX several times in XXXX. I have filed a response with the XXXX of XXXX XXXX of XXXX County Pennsylvania. I asked the court to dismiss and cease this civil case. We did file bankruptcy in XXXX. The statute of limitation in PA is four years. There were no payment made on these loans since XXXX. President Obama signed an executive order last XXXX XXXX to expedite these XXXX proceedings to stop these collecting activities for XXXX students. My main concern is how does XXXX XXXX think they can interpret federal law to their collection procedures of student loans? XXXX XXXX, and XXXX have issued me notices that the loans are forgiven. My compliant is clearly this : XXXX XXXX needs to adhere to federal laws pertaining to credit and collections practices as set forth by the United States Congress in regards to student college loans.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Lafayette Hl, PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Complaint: A debt collector, Transworld Systems sent me 6 letters in one day stating my wages would be garnished for my student loans and they had contacted my employer for information. The creditor listed on the debt collection noticed does not own my loans. All of My loans were consolidated in 2014 and are not in default. I confirmed this fact via XXXX and the Department of education. My loans are not in default and the creditor they claim to be collecting from, XXXX, has n't owned my loans in 2 years. They were paid in full by the consolidation. In addition to the 6 letters, they have called my home phone at all hours of the day. I also received a call on my private cell phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Penn, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I received XXXX letters in the mail today from Transworld Systems Inc saying I owed debt on a student loan through XXXX. I have the confirmation from XXXX that all loans were paid in 2013. After doing some research online, I 've found that I 'm not the only one who has received issues from this company. The need to be stopped from harrassing innocent people. It also says on the letter that they have contacted my place of employment which is truly unacceptable!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

MS

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Complaint: I have received continuous calls from '' Transworld ''. They will not tell me WHY they are calling. They only want verification of my personal info. I 've asked them not to call unless they tell me who they are and why they are calling.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Philadelphia, PA

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Complaint: I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Yeagertown, PA

Communication tactics

Debt collection: Federal student loan

Threatened to take legal action
Complaint: Threatened wage garnishment for a loan that is not in default.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Fort Pierce, FL

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: This is a situation that pertains to breach of contract services.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Bellaire, TX

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: I received an outstanding balance notice from XXXX in XXXX Texas after XXXX. Unknown to me, while I was still in the process of contacting my insurance to resolve the debt, it was transferred to transworld systems collection agency I 'm XXXX Texas. I began suspecting that this was the case after receiving numerous rude and vague phone calls from transworld employees who refused to identify their intent or tell me how they obtained my information. After several failed attempts to contact XXXX, I resorted to google to see if there were people like me with the same issue. That was when I discovered that transworld was probably calling as a result of that outstanding balance. My problem is that I have endured several months of harassment by Transworld collection agency, and even when I called them today XXXX/XXXX/2016 to inquire as to why I was not sent a bill in the mail, I was rudely told by their employee XXXX that XXXX letters were sent to me. I never received even one correspondence from Transworld. Neither did I receive any notification from XXXX stating that my account had been transferred to this collection agency. I request that they either show proof of the XXXX notification mails that they supposedly sent to me, or they be held accountable for their shady business practices and preying on vulnerable upstanding citizens.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Charlotte, NC

Can't repay my loan

Student loan: Non-federal student loan

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

Disputed: Yes Timely Response

2016-01-12

Krakow, WI

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

2016-01-12

Bedford, TX

Getting a loan

Student loan: Non-federal student loan

Can't qualify for a loan
Complaint: I attended XXXX College in XXXX, VA. They promised students the world. The program was so unorganized and the tuition ended up being thousands upon thousands higher than originally quoted. No one in the FA department could ever explain the fees. During class they would pull you out to discuss overdue bills. The program closed down within 3 years. I was forced to not only max out my federal loans but had to take out additional private loans through their affiliate company.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Woodbury, PA

Communication tactics

Debt collection: Medical

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response