TRANSWORLD SYSTEMS INC
Consumer Complaints
There are over 4977 complaints on file for TRANSWORLD SYSTEMS INC. Dated between 2019-12-10 and 2014-12-12.
Complaints Page 17
2019-05-31
Chester, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-05-31
Nashville, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: A physician at XXXX XXXX tried to bill and code my insurance for being out of network. The matter was addressed numerous times and aggressively disputed. The collection agency for the physician and I can only assume the XXXX uses a collection agency that seems to have many names and per an employee, they represent hundreds of physicans and/or hospitals. The collection agency goes by so many names I can't keep up with them. The name that is falsely reporting on my credit report shows : Transworld Systems Inc. Acct # XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX, XXXX. This matter is compounded because they apologized for putting this matter in collections because it should not have been a debt and charged to begin with because I NEVER gave them consent and they never gave me notice of ANY out of network doctor appearing for a pre-op class. I received a letter of a XXXX balance. They removed it. I also have a document where they stated back in XX/XX/XXXX and I quote : " According to our files, we have not reported account XXXX XXXX to a credit bureau. '' XXXX XXXX advises it was not there in XX/XX/XXXX, this year and now it appears out of no where. So, to me once again, they have acted improperly, illegally, deceptively, and in bad faith and causing me harm by wrongfully reporting this account as a collection on my credit file. Transworld Systems has taken repeated actions that should scare and deeply concern any consumer. On Thursday, XX/XX/XXXX, I called this company and spoke with XXXX. He is a " is patient liaison manager ''. It does not appear from a message he left following our phone conversation that they intend to fix this again and not sneak another derrogatory comment in my credit file regarding something that wasn't a valid debt to begin with and one they said they had not done and one they cleared to a XXXX balance due to a mistake of their own. XXXX 's number is His number is XXXX XXXX.
Company Response: Closed with explanation
2019-05-31
Columbus, OH
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-05-30
Surprise, AZ
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2019-05-30
Tuckasegee, NC
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Sounds like a boiler room operation, call all three of our cell phone # 's never leave message, only can hear lots of talking in background on messages. They repeat calls all day and night.
Company Response: Closed with explanation
2019-05-30
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I had a military star credit card with XXXX while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this.
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with XXXX comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the XXXX. I have read multiple complaints about XXXX taking far more money than owed by veterans.
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the US XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.
Company Response: Closed with explanation
2019-05-30
Newnan, GA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: Looked at XXXX credit report and seen that I had a collection from Transworld System Inc in the amount of {$1500.00}. I immediately wrote XXXX XXXX on XX/XX/2019. In the letter I asked for the debt to be validated by showing the original signed contract within 30 days. To this day no response for above mentioned company. This collection should be on my credit report and should be deleted. I do however will be reaching out to Attorney General 's office and seeking litigation since Transworld System Inc hasn't responded in the 30 days given.
Company Response: Closed with explanation
2019-05-29
Cleveland, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-29
Sandy Hook, CT
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I contacted XXXX XXXX XXXX to negotiate a lower interest rate on my student load after it had recently gone up again. They told me that they were only the servicer of the loan and that I must contact XXXX XXXX XXXX, who they said owned the loan, to speak about interest rates. I called XXXX XXXX XXXX and gave them my full name & SS # and they could not locate me in their files. Now I am wondering who I am paying and why my interest rate went up if nobody owns this loan.
Company Response: Closed with explanation
2019-05-28
Effingham, KS
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I looked on my account in the end on XX/XX/XXXX when I got a email stating my score changed. I went on and found Transworld Systems ( TSI ) had put a supposed debt collection on my XXXX report. It stated the account was opened in XX/XX/XXXX although it didn't show on my report until XX/XX/XXXX. It shows it is some kind of medical debt although I have insurance and haven't been without insurance since I was a child. I also did not visit the doctor in XXXX other than an urgent care. The debt total is {$1000.00}. I find this interesting because some time ago my husband had a medical bill go into collection with them totaling {$1000.00}. Which was open on false pretenses. The bill was paid through charity care and should never have gone into collection in the first place. We also got some kind of letter from TSI. It was unclear what the name was as it had a XXXX and our last name, but didn't make up a full name. We just assumed they were trying again to get my husband to pay so we sent a letter with his info on XX/XX/XXXX through certified mail. The certified postcard was signed and sent on XX/XX/XXXX. We didn't even consider me as I hadn't been to the doctor and the debt total was the same as what they tried to collect from my husband. After it showed up on my report I sent a letter also on XX/XX/XXXX through certified mail also. The certified postcard was signed and sent on XX/XX/XXXX. The only thing I can come up with is TSI is trying to get their money they paid to purchase the debt, which we do not owe them and never did. We thought this was resolved after it was removed off my husbands report. But it shows now on mine. We contacted them and asked them to remove the debt but they have not sent anything back in response. It has now been 2 months and it is still on my report! I am also curious how did they get my information?! Please help us!
Company Response: Closed with explanation
2019-05-28
Lakeland, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-28
Itasca, IL
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I graduated from trade school in the recession with a trade as a XXXX for the XXXX XXXX. As you know when the recession happened auto dealers were going out of business left and right. I spent the better part of five pluse years between jobs and unemployment. This put me behind on my student loans. Now I read about XXXX and there dealings with you and all types of other articles about there ways of handling there borrowers. This concerns me as I have received several different phone calls from several different collections agencies and I dont rightfully know whom to trust in regards to setting up payments based upon what i have read. I need your guidance as to what my options are based upon your knowledge of XXXX.
Company Response: Closed with explanation
2019-05-28
OH
Written notification about debt
Debt collection: Private student loan debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/2014 a judgement was made against me in the XXXX County Court of Common Pleas. The Collection Agency involved is XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount stated in the original Order was for {$23000.00} and is currently stated on a wage garnishment Order as being {$26000.00}. I felt it was strange that a wage garnishment would take effect five years after it went through a court system. I looked into XXXX XXXX XXXX XXXX XXXX XXXX and found that the CFPB had proposed it's own Consent Judgement against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently, my wages are being garnished at 25 % and with the garnishment being decided three years prior to the CFPBs own opinion, I would like for the matter to be looked into by an outside source.
Company Response: Closed with explanation
2019-05-28
Allentown, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I PULL UP MY CREDIT REPORT LAST WEEK I NOTICE I HAD 3 FRAUDULANT ACCOUNT ON MY REPORT. I WAS VITICM OF IDENTIY THEIF LAST YEAR I FILE A POLICE REPORT. THE ACOUNT ARE XXXX XXXX, TSI XXXX, AND XXXX XXXX.
Company Response: Closed with explanation
2019-05-25
Randolph, MN
Getting a loan
Student loan: Private student loan
Fraudulent loan
Complaint: In XX/XX/XXXX I was attending school at XXXX Community College in XXXX, MN. I was having a financially tough year so I asked a co-signor to help me take out a private loan while I was attending school. I received the loan in the spring of XX/XX/XXXX in the amount of {$20000.00}, initially from XXXX XXXX XXXX, and then sold to XXXX XXXX XXXX XXXX XXXX. Later that year I had to drop out of school due to a medical condition and I struggled the next few years to keep up on payments after my loan came out of deferment.
Over the course of a few years we were harassed by TransWorld collections and a couple other collection agencies as they changed hands. They demanded that we pay {$2500.00} down and $ XXXX monthly payments. I was a single mother of XXXX children at that time and made barely minimum wage and couldn't even afford to make ends meet regardless of this loan, so they began harassing my co-signor. We were unable to compromise with the company as they refused to take anything less than what was stated above even though we offered to pay what we could.
In XX/XX/XXXX we were served with paperwork that we were being sued. Not being experienced with this or financially able to hire an attorney, we had no clue what we were facing at court and just showed up. We lost and were socked with a judgment in the amount of {$36000.00}. Over the past 5 years we have been paying on the loan faithfully and have gotten the loan amount down to {$34000.00} and some change. I felt at that we would never get out from under this loan and they judgment meant we would never be able to own property until that loan was paid off. I wanted to get some answers as to how a loan almost doubled in the course of 5 years and what our options were to take care of this as quickly as possible. It just didn't feel right.
The summons that is currently on file with the courts states that we owed {$29000.00} in principal amount and over {$6000.00} in interest. I have asked the collection agency that we make our payments to if I could see the Master Promissory Note or original loan documents and they sent me a copy of the judgment. I called back and said that is not what I asked for and they state that they do not have either the MPN or original loan documents and didn't know who to ask.
Next I called around and was told to ask the school I was attending if they could find that information. I called XXXX and they said the only loan information they had for me was Federal loans and not for that time period. I called XXXX ( where we make our payments ) and asked them what school they had on file for that loan and they stated is was made out of XXXX XXXX College. The only time I attended XXXX was in XX/XX/XXXX to get my XXXX licensure. I called the school anyway and they said they never certified a loan for me in that year, and for that matter they never would have certified a $ XXXX loan for a years schooling, and even today their max loan amount for yearly tuition is $ XXXX.
I was then given the tip to try the courthouse and they may have original loan paperwork on file. I went to the district courthouse where the judgement was filed and began the process of looking through the file.
The first thing I saw was an Affidavit of Lost Summons and Complaint. The file states that the Summons and Complaint that was served on myself and my co-signor was lost and the Plaintiff 's staff had exhausted their search for the original paperwork. There was also supposed to be a copy of the original loan documents as exhibit A which is also missing.
I have been advised that XXXX is under scrutiny for these same practices that I described above in my case, and that all student loans made under XXXX XXXX XXXX and XXXX during a certain time period are to be audited for accuracy. Knowing this company is under a class action lawsuit for faulty and missing paperwork I would like my file reviewed as well. I believe the collection practices of this company were such as to not give us the opportunity to pay and force us into lawsuit and ultimately judgement. The pretenses of this loan were made in ill faith and I believe were predatory in nature.
Company Response: Closed with explanation
2019-05-24
Glendale, CO
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: when my daughter was in medical school, she took out loans to keep her family afloat. i cosigned the loans. and i would do it again if she needed it. she is doing what she wanted. i have been attempting to get a settlement on the loans so i can move on with my life. they have placed judgments/liens on my home. i have been trying since XXXX to get a response. NOTHING. where is the customer service?
Company Response: Closed with explanation
2019-05-23
Arsenal, PA
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I received a service from XXXX XXXX XXXX in XXXX, PA. XXXX billed my insurance company and there was a {$130.00} charge payable by me. XXXX sent the bill to the incorrect address and I was not aware of the debt until the bill was sent to collections and I was called by : Transworld Systems Inc. Systems Inc , XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX Acct # : XXXX Upon learning of the debt I immediately paid XXXX for the charges owed. As a result of XXXX XXXX flawed billing a collection was opened and reported to the credit agencies.
Company Response: Closed with explanation
2019-05-23
Tampa, FL
Took or threatened to take negative or legal action
Debt collection: Private student loan debt
Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation
2019-05-23
Columbus, OH
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-05-23
Derwood, MD
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: My Power has been disconnected since XX/XX/XXXX and I owed a balance of {$1600.00}. I have been displaced from my home since then. I have a XXXX XXXX on my account with XXXX since XXXX. That is a provision set up for people who use life saving breathing apparatuses that run on electricity. The rent is still being paid at my home, even though my children are sleeping on the floor at their sister 's house in XXXX, XXXX & I am at a friends in XXXX. I went to get assistance from XXXX County on XX/XX/XXXX to restore services as I had to wait for a full calendar year to pass since the last date of assistance. I have black mold in my home and I am trying to move. I have filed a lawsuit against my current landlord for damages that occurred since XXXX, XXXX from the mold. With that, the agency is willing to pay the {$1600.00} so that I may move out and get my kids back home. Due to the nature of the housing program I am in, I can not be provided with documentation to move out until my Power is restored. XXXX added a balance that they claim I owed from XXXX to bring the total amount owed for the restoration of service to {$6900.00} and some change. Which renders the agency in the county incapable of helping me restore my service. I called them on XX/XX/XXXX to ask them why my balance had increased 434 %, the rep. in the credit department wouldn't tell me why my balance went up, he made me call the collection agency that they forwarded my account to which is XXXX, in XXXX, VA. Their rep. XXXX XXXX reviewed my account and could not find any information or invoicing connected to that balance. She advised that I had two accounts and two balances in XXXX 's system. She could see where they added the balance in XXXX and then stated that she believed they were double charging me and advised that I call back and ask for more information on the {$5000.00} balance. She did so on a recorded line, so there is proof of her statement. She told me to call XXXX. I called back to the credit department at XXXX, I spoke to Mr. XXXX, he looked up my account and told me that the balance was from an old address in XXXX. He could not find any further information on the balance, as there is no supporting information. Essentially, they have no records in regard to the balance, only that it appears unpaid. My issue is that I apply with the Office of Energy Assistance just about every year as I am pretty poor. In that, they offer what is called an arrearage payment every 7 years as that is how the arrearage payments work. I applied for that arrearage back then, which made me have to wait until 7 years passed to get it again. I also received that arrearage last year..which is around 7 years later. My contention is that they DID indeed receive that payment, but kept poor records surrounding my account. I asked Mr. XXXX do they typically allow someone to move and start an entirely new account with such a balance, as I explained that it had in fact been taken care of. before I received a new account. While he stated that it is not unheard of to still allow an account to be opened, it's atypical to see it done when a customer has such a large balance. I explained to him that in my opinion, that is poor business practice. I spoke to my ex-husband about it and he said they did the same thing to him and then disconnected his service for an old account they found and made him pay to restore service. He was pretty upset that XXXX is allowed to basically run an audit and tack a balance on someones account so many years later and force them to pay to have power. You can not live in this tri-state area and not have XXXX as your power company unless you live in XXXX. So essentially, my ability to live and thrive as well as my kids is being held ransom for a 7-year-old ghost balance that they have no information on. From what I understand, any debt on your credit report must be removed after 7 years how is this a legal practice for XXXX. It seems that they know that 7 years have passed and if I am such a bad customer per their words, why not make me pay in XXXX when they gave me a new account? Why wait until now? Why allow someone who owes you {$5000.00} to open another account in the same company? I want the balance removed, so that I may pay the {$1600.00} and go home. My children have been sleeping on the floor at their sisters for almost a year now to due us not having power & not being able to move from the mold. As soon as I get some help, they add a HUGE balance because they know I have to have power to live here, so someone will pay it. I also want it removed from my credit report as they appear to have no data on that account number to even know if it has been paid or not. Thank you for hearing my story.
Company Response: Closed with explanation
2019-05-22
Bethel Heights, AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-05-22
DE
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I have made this dispute with XXXX on several occasion. This last occasion I submitted indisputable proof. Every 30 business days or so since the start of the new year I have disputed 3 accounts with XXXX all three are with the same company for medical bills. The debt collection agency is TSI/ XXXX also known as Transworld Systems and the account numbers are as follows XXXX, XXXX, & XXXX. My last dispute on XX/XX/2019 which was received on XX/XX/2019 by XXXX and was verified by a Manager at XXXX by the name of XXXX employee number XXXX, this dispute letter simply addressed the fact that the account was showing as a charge off and also was showing a past due balance which it can not show a past due if the account is charged off. It also didnt show a DOS or DOLA date, further violating my consumer rights. The open date was also showing an incorrect date for the account and with all of these things I asked them to delete the misreported account from my credit file. I also sent in a copy of checks that I wrote to the collection agency and the stipulation of cashing those checks which was to remove the accounts from my credit report and consider them paid and satisfied. They cashed those checks and did not have those files removed, they did not even update the payments that I sent back in XXXX or try to deduct that from the balances shown after they cashed the checks. The information has been updated every month for the same amount as before they cashed each check. I called XXXX on XX/XX/2019 I spoke with two agents explaining all this and they refused to help me so I asked for a supervisor I got XXXX employee number XXXX who also refused to help me after 30 minutes of being on the phone so I asked to speak to a manager. Thats when I spoke to XXXX employee number XXXX and I asked him what the course of action is when a customer disputes an account for accuracy and provides proof what does the investigation by XXXX intel? His response like all the other XXXX robot agents is that they only initiate the investigation they dont report information or change it, so they present what the consumer says to the agency that has reported the item and then whatever the response is by that company they go with that and close the dispute. I explained how that was a clear violation of my rights given the proof I had presented, plus that fact that they didnt even update the amounts of the checks they cashed to reflect on the balance. XXXX and XXXX ruled in my favor so how is it given the same information XXXX just goes with whatever Transworld/TSI has to say when I clearly proved them to be reporting false information. After and hour and ten minutes on the phone getting nowhere, the conversation ended with the manager blatantly telling me that they will not change anything until TSI updates the information and that TSI doesnt have to prove any of what they are reporting. Its baffling to me that XXXX even opens a dispute at all given that they dont investigate. Something needs to be done.
Company Response: Closed with explanation
2019-05-21
Redding, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-05-21
Cocoa, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: In XXXX of XXXX, I was reviewing my credit report when I noticed a collection account was added. It was for {$90.00} from Transworld Systems collecting for XXXX XXXX Hospital. I was surprised because I didn't even know that I owed any money.
In XXXX of XXXX I was taken to XXXX XXXX Hospital by ambulance because of XXXX. I tried to refuse medical service but the police and paramedics insisted that I be taken to the hospital. Once I arrived to hospital, I again refused service and I left on my own. I did not have medical insurance and I did not want to incur any medical bills.
I never gave XXXX XXXX Hospital my name or any of my information, nor did I ever receive a bill from them. I also never received a bill from Transworld Systems. I had no idea I owed any money and because I refused medical service, I did not expect to owe any money.
On XX/XX/XXXX, shortly after I became aware of the debt on my credit report, I called Transworld Systems to resolve the debt. I explained to the customer service agent that I never received a bill and wasn't aware that I owed anything. I told her that I could make the payment but I asked that the collection account be removed from my report. She said that it would not be removed but only updated to show that it was paid.
The customer service agent told me that bill had be sent to XXXX XXXX XXXX XXXX, XXXX, IL. Which is my old address. I've come the conclusion that XXXX Hospital must have gotten my information from the police officer or the police report. My ID at the time was outdated and did not have my current address. Again, I did not give XXXX Hospital any information, so my best assumption is they obtained the wrong information from my outdated ID.
I told the customer service agent that I did not think it was fair that I should have a negative mark for a debt that I was completely unaware of. She again told me the best should could do was update it as paid and suggested that I contact a credit specialist. I wasn't satisfied with that resolution so I ended the call and did not make the payment.
I later decided my best action would be to make the payment and file a complaint with the cfpb. On XX/XX/XXXX I made the full payment of {$90.00} to Transworld Systems.
Company Response: Closed with explanation
2019-05-20
Humble, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation