TRANSWORLD SYSTEMS INC

2015-10-16

Moscow, ID

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Discovery Bay, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I work at a XXXX, when presented with an opportunity to further my education and advance in my department in 2006 I enrolled in a XXXX college in XXXX XXXX, CA to do so. I applied for what I understood to be a Federal Loan via the internet in order to support my self, wife and ( at the time ) XXXX children. While in the program I would not be able to work as many hours in order to attend school and would have XXXX to perform. Unable to finish the program due to a medical condition with XXXX I was forced to return to my previous position and lacking the ability to repay the loan properly. My family has since after a very long and hard decision filed personal bankruptcy two years ago attempting to make a fresh start and going back to what we thought was ground zero. We now find ourselves below zero with the current garnishment from XXXX XXXX XXXX XXXX. I was first made aware of the garnishment as I received papers from my HR department notifying me of the garnishment. The papers were never received by myself at my place of residence nor was I personally contacted by XXXX XXXX XXXX XXXX and XXXX in an attempt to negotiate with us. The impending garnishment on my check will in fact force us to move as my income pays our rent for myself, wife and now XXXX children. Only any additional money my wife makes puts food on the table, gas and utilities etc. We consider ourselves responsible people and arrived at the decision of our personal bankruptcy very arduously and after a great prayer and consideration. Only after discovering the loan with XXXX XXXX XXXX XXXX was NOT Federal and that there is seeming absolutely no recourse as a consumer we are simply at a loss. I feel we will be in indentured servitude for the unforeseeable future as we have explored any number avenues with no foreseeable avenue for a solution. My mother lives locally and is reaching an age where she will need care limiting our options of moving to a less expensive area of the county, in addition I am reluctant to leave my current employment as it has excellent medical benefits and my children as well as my wife have immediate medical needs which our plan covers completely. My child is enrolled in resource at her school with a XXXX and i am reluctant to changer her environment as well thinking of her future. If I were to loose medical it would be disastrous. I am simply at a loss and need help. I am not one to evade responability but feel not all of the lending practices exercised here were forthcoming and upfront or conducted properly. I ask for your scrutiny in this situation as I have already sought legal help which again was fruitless. Thank you for your time and consideration.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Jefferson, WV

Disclosure verification of debt

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2015-10-15

Carmel, CA

Disclosure verification of debt

Debt collection: Medical

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Jefferson, WV

Disclosure verification of debt

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2015-10-15

Powder Spgs, GA

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

2015-10-15

Greenwood, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: This is a follow-up to a previous complaint against UASXXXX. They asked you for 45 days to investigate, but they have turned the account over to a collection agency and ruined my daughter 's credit and mine as co-signer. She graduated XXXX, 2015. She has a 6 month grace period. She is not working.She has no income. I have no income. We are destitute. Life really has no meaning.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-15

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I moved from XXXX XX/XX/XXXX to XXXX. I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX. I had all of my services turned off at my old residence in Alabama after moving XX/XX/XXXX. XX/XX/XXXX, I was contacted by a debt collection agency Transworld Systems , Inc. stating they purchased debt from XXXX XXXX XXXX in the amount of {$160.00} that was dated from XX/XX/XXXX until XX/XX/XXXX. I explained that I did not live there during that time, as I moved to XXXX. They were rude and continued to harass me stating that this is my debt and I was obligated to pay. They began to call my cell phone incessantly and then found my home phone number and began to do the same. When I continued to insist that I did not owe the debt, they stated if I could prove I did not owe it, they would stop harassing me. So, I sent them proof that I had services in XXXX in the form of a letter from XXXX noting when I started service in XXXX and when that service ended, i.e. XX/XX/XXXX until XX/XX/XXXX. I thought that would stop the harassment, but it has not. They are now sending me letters stating that I needed to settle a debt I do not owe. The letter indicates that they are monitoring my credit to see when an inquiry is made. The letter uses intimidation tactics and states, " We hope that you are now in a better position to pay the above account ( s ). ". I do n't owe money to XXXX XXXX XXXX or Transworld, and I am not obligated to pay for services I did not receive. They are invading my privacy and utilizing my personal identifying information unlawfully by monitoring my credit actions and possibly lowering my credit worthiness by suggesting I am severely delinquent for a debt I do not owe. Your assistance in this matter is greatly appreciated. Please see the attached documentation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-15

Jacksonville, FL

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

2015-10-15

Brooklyn, NY

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-10-14

Holiday Hills, IL

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Kenhorst, PA

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

2015-10-14

Severn, MD

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: Yes Timely Response

2015-10-14

Orion Twp, 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

2015-10-14

Plymouth, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Brooklyn, NY

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

2015-10-13

Barrett Parkway, GA

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

2015-10-13

Camp Springs, MD

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

2015-10-12

New Orleans, LA

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

2015-10-12

Cold Spring, MA

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

2015-10-12

Taft, OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: XX/XX/XXXX I was supposed to be put into a program to help bring my XXXX XXXX account. The company is Transworld Systems Inc . I began these payments of {$5.00} per month every month until XX/XX/XXXX. I did n't receive any communication from them advising that I broken my payment arrangement until they began garnishing my wages XX/XX/XXXX at which I contacted them and spoke with a representative by the name of XXXX who stated that she could put me back into my agreement and that the payment that I made at the beginning of XXXX for XXXX had to be made within the month of XXXX because it was going to be last payment. She went over my financials and put me back into the rehabiliation program but stated that I had to make XXXX consecutive payments, sign the agreement to send it back. She backdated all of the payments so I already the XXXX consecutive payments but that I had to sign the affordable agreement before the client would be able to suspend the garnishment. I got that agreement on on or about XXXX and not only signed it but I faxed it and mailed it to Transworld Systems Inc . I called them several times to make sure that the paperwork was received and each representative that I spoke gave me a different response. I spoke with a supervisor by the name of XXXX when I made the XX/XX/XXXX and she assured me that everything was good and that all needed to do was make sure that I sent the agreement back to them to send over to their client. I made a payment on XXXX in the amount of {$5.00}. I got an email on XX/XX/XXXX stating that I did n't make my payment for XXXX. I called and spoke with a representative from Transworld Systems and she stated that she could see that I had made the payment and that I did n't have another payment due until XXXX. On Monday I called to see if they had sent the agreement to their client to have my garnishment suspended and I was told that a supervisor was going to do that and that they would call me if there was a problem. On XX/XX/XXXX, I called and spoke with someone else who advised that she was going to have her supervisor expedite the request over the their client. I called on XXXX to check the status of their clients response to the garnishment suspension, I spoke with a representative by the name of XXXX XXXX who informed that I had broken the agreement which was news to me considering I had spoke with a reprentative on Monday and Wednesday of the previous week and the neither XXXX of them had informed me of this. She also stated that they had to re-enroll back into the program and that I would need to sign another agreement, and that they were going to contact their client about getting the garnishment suspended again. This company is very unorganized and no one seems to know what is going on with my account but they are garnishing my wages while I 'm making payments. This is very frustrating and causing my bills to get further behind. I am a single mother of XXXX and due to the stress of having to deal with a company that apparently does n't notate their system very well I 'm being punished and their client is being given incorrect information in regards to my account. I really need to help in clearing up this account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-12

Abilene, TX

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Complaint: I have received phone calls from a person who would not identify themselves saying they were with a company called Trans World Systems. All they would disclose was that this was about a personal business matter. I asked them three times what it was in reference to and they said they would disclose that later on. I responded if you do not disclose what this is about then I will hang up, they would not so I hung up. The phone calls came on XXXX/XXXX/2015 at XXXX two days after I had XXXX which impeded my recovery. The other call came on XXXX/XXXX/2015 at XXXX. This company has an address of XXXX XXXX XXXX in XXXX, TX XXXX. The number that they call from is XXXX is not even a registered number. The XXXX that is given to them XXXX is registered to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The other number XXXX is actually registered to the company.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-12

Las Vegas, NV

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-10

Long Beach, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have now received XXXX letters from the Transworld Systems INC located at XXXX XXXX XXXX. XXXX, PA XXXX regarding something that I paid off 20 days ago. I am annoyed and frustrated that I am continuing to receive these letters even though I have confirmation from the company, XXXX, that I have paid off everything and that my remaining balance is XXXX. Please help me to resolve this issue. As a tax-paying citizen of the United States, I do not enjoy being harassed by companies that are preventing me from experiencing the freedom and liberty as a law-abiding citizen.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

La Vernia, TX

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response