TRANSWORLD SYSTEMS INC

2015-10-08

Chattanooga, TN

Communication tactics

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

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Redondo Beach, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-10-08

Garrison, MD

Communication tactics

Debt collection: Federal student loan

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Penn Yan, NY

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Howell, NJ

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Bremen, GA

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Nyc, NY

Communication tactics

Debt collection: Federal student loan

Called after sent written cease of comm
Complaint: University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Fort Lauderdale, FL

Communication tactics

Debt collection: I do not know

Called outside of 8am-9pm
Complaint: Trans world systems collection agency called my place of employment and asked for my name. They ask me if I was the person the were looking for and presented me with an unknown date of birth and social security number. When I told them that I was not that person, they ask for HR. I told them to stop calling.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Beaver Falls, PA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

CO

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Received a collections letter on XX/XX/XXXX from debt supposedly owed from XX/XX/XXXX. Never once have I received any outstanding charges notification prior to this letter. On top of that never once have I stepped into any one of the buildings of this company.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Three weeks ago I was contacted by XXXX c/o Transworld Systems , Inc. regarding a school loan debt. I informed them they had the wrong individual and gave them my information which did not match what they had for the debtor. Just this morning my employer notified me the company is trying to garnish my wages even though the social and address of the debtor does not match. They also gave my employer the other ladies social and personal information. I have been stressed out all morning this company has been harassing my employer and myself and they do not have the correct individual. They have asked my employer for my social and what I make etc. I filed a complaint with the Attorney Generals office who sent a letter to the company a few weeks ago and the company responded saying they had no clue who I was and has no collection acct. for me however, they sent my employer a letter stating that they needed to garnish XXXX % of my income.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-05

Elkhart, IN

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

2015-10-05

Cypress, TX

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

2015-10-04

Ocklawaha, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: The school was charged with fraudulent practices in obtaining student loans. The student loan amount was reduced. The company that held the student loan agreed to an income based repayment as the student did not have a job. The company that held the loan sold/transferred the loan to another company. The new company sent multiple statements to the borrower and the cosigner with differing amounts due, requesting remittance to names of companies, but with the same address. Both the borrower and the cosigner tried to reach the company by phone, but could not reach an agent. Both the borrower and the cosigner attempted to contact the company on-line but could not reach an agent and no response was given to emails. The cosigner sent payment for the amount agreed upon in the income based repayment agreement with copies of the agreement. The new company did not acknowledge, though the check was cashed. The new company sent multiple past due notices to the borrower and the cosigner. Both the borrower and the cosigner again attempted to reach the company by phone but could not reach an agent. The cosigner sent a certified letter on behalf of both the borrower and herself asking that the company make contact and communicate about this confusion. The return receipt came back showing that the letter was recieved by the company and signed by an agent of the company. Neither the borrower or the cosigner recieved phone call, email or letter in response. The company again sent past due notices to the cosigner and the borrower, this time with also with differing amounts compared to previous statements. The borrower and the cosigner informed the company in the certified letter that without clarification and communication from the company, no further monies would be sent.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-03

Las Vegas, NV

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

2015-10-03

DE

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Transworld has called my home XXXX times for my mother, despite being told she does not live with me. The calls occurred XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15. Today ( XXXX/XXXX/15 ) the call came in at XXXX this morning waking up my children. The number they call from is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Border Hill, NM

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-10-02

Chicago, IL

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

2015-10-01

Mem, TN

Taking/threatening an illegal action

Debt collection: Mortgage

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Little Turkey, IA

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

2015-09-30

9 Mile Point, LA

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

2015-09-30

Orlando, FL

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Canyon Lake, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

FL

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know. XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment. This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Decatur, GA

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