TRANSWORLD SYSTEMS INC

2015-08-26

Finksburg, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Superstition Mtn, AZ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: Induced into a " gap '' loan known as " XXXX ''. This was in conjunction with a federal loan. Even though we have above average credit scores, we were shocked to find out that this was a 12 % loan. We have taken out several consumer loans and have received two to five percent funding on those. We paid monthly as we were waiting for the 40 % reduction to take effect. We found our loan was turned over to someone outside of the XXXX XXXX that started the XXXX for the XXXX loans. We believe they are selling these loans to other servicers without addressing the loan reduction. Our loan originated in late 2012, right in the middle of the XXXX rip off. We have sent a letter to the loan servicer requesting the reduction and put them on notice of our intent to suspend payments until the XXXX lawsuit is settled. Part of the lawsuit requests rescission of these bad loans. We will continue to pay on our federal loan as regards the education. Still not happy that even with a degree the income from this education reaches 60 % of the XXXX dollars necessary to achieve a middle class existence. So much for higher education.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Medina, NY

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: On XXXX XXXX, this collection agency contacted me via phone. They also skipped traced XXXX additional numbers to family. I called them on XXXX XXXX asking them to REMOVE my family numbers and made it clear that they had a good number for me and to stop contacting 3rd parties attempting to skip trace. I spoke to a women who barely spoke any english and I verified my identity with her and again told her to remove XXXX additional numbers from my account. She began to get very rude and said she removed them. Today, on XXXX XXXX some of those 3rd party numbers that were skipped traced even after a verified contact with me had been made and I ordered them to remove those other numbers. I contacted the company back today and asked them to remove those numbers again. The gentleman who answered the call was much more professional than the first women. He advised me the numbers had not been removed and he was removing them at that time. I again went through the verification process with them to confirm my identity and confirmed the numbers had been removed. Less than XXXX hours later I received a call again .... this time i spoke to another representative who stated again the skip traced number had not been removed ... and went through and removed the number again and went through the verification process again. At this time I advised the representative i was filing a complaint with the CFPB.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Clio, 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

2015-08-25

Paterson, NJ

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

2015-08-25

Poplar, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

AZ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-25

KS

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: The lawn service company " XXXX '' was discharged from servicing my property in fall of XX/XX/XXXX. The company continued to treat my lawn in spite of my denying and without my permission. I paid them XXXX payment with a clear note that I will not pay any future payments. XXXX continued to treat my lawn in XX/XX/XXXX and in XX/XX/XXXX without my permission. Now they want me to pay them the charges that I do not owe them. Now they have employed TRANSWORLD Systems to collect the debt. I need for you to inform the collection company to stop the mail to my address. Also, I want to ensure that this does not affect my credit score. Please, advise. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Cooper, NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Tuckasegee, NC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Baltimore, MD

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-08-24

WA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Stilwell, OK

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

2015-08-24

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: The collection agency has placed a judgement against me and on my credit report, the person owing the debt is not me. The collection agency has the wrong person, the person they need to contact my son. The collection agency should have done a more through background check and failed to realize their mistake.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-23

TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-21

Three Bridges, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-08-21

Bentley, MI

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Titusville, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

Rehoboth Bch, DE

Improper contact or sharing of info

Debt collection: Non-federal student loan

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

Flowery Br, GA

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

2015-08-20

Gowen, MI

False statements or representation

Debt collection: Non-federal student loan

Indicated shouldn't respond to lawsuit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

VA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-20

Columbia, SC

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: I took out federal and private loans while in school at XXXX University in XXXX XXXX SC ( XX/XX/XXXX-XX/XX/XXXX ) I consolidated and did a income based payment but this private student loan is in a total of about {$25000.00} which I took out with ACS. For the past 2 years I 've been managing my debt really well so I 'm always on top of what 's going on with my financials like whats in collections, trying to handle defaulted student loans one at a time and what I can and ca n't payoff because I 'm definitely not rich and the collection agency that I last spoke with a few months ago that my defaulted private student loan is with, wanted outrageous down payments and monthly payments. So today I checked my credit which I do about 2-3 times a month. Today I see my XXXX report went down XXXX points from 7 days ago when it was last updated. I checked to see what happened and it shows a collection company name TRANSWORLD SYSTEMS Inc claiming an unpaid educational debt of over {$35000.00}. It claims the debt first went delinquent XX/XX/XXXX. I have no knowledge of this debt or the amounts its claiming and I definitely did n't take out a student loan or any loan recently, especially for it to be delinquent as of XX/XX/XXXX. I researched the name of TRANSWORLD SYSTEMS Inc and got discouraged because everyone is saying it 's a scam. Please help me out, I have no idea what to do and I really want to put this private loan behind me. Working with collection agencies are nothing like working with the original lender like the US Dept of Ed. Attached is what I see when I check my credit. Again I have no idea what this debt that TRANSWORLD SYSTEMS Inc has on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Hesperia, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response