TRANSWORLD SYSTEMS INC

2015-08-04

Ocean City, MD

Improper contact or sharing of info

Debt collection: Federal student loan

Contacted me after I asked not to
Complaint: Transworld systems had been calling repeatedly using cell phone exchanges to prevent " Transworld '' on a caller ID. They never left a message. On XX/XX/XXXX at XXXX I answered XXXX of those calls ; they have actually used XXXX numbers. The woman on the other end asked for my son, did I know where he lived and where he worked. Thinking it was a friend of his, I told her he lived in XXXX XXXX, MD. Then I asked for her name but she said she did n't have to tell me that. Then I asked who she represented and she again said she did n't have to tell me ; I hung. Since that day, Transworld has called every weekday without leaving a message. Nine dayslater, on XXXX XXXX they began leaving a message saying who they were and " the official debt collectors disclosure '' about the purpose of their call ; they never did did before. About the third week in XXXX Transworld garnished my son 's paycheck {$75.00}. As my son is XXXX, he gave them permission for me to talk to them on his behalf. XXXX XXXX, XXXX XXXX XXXX at XXXX immediately launched into her tirade of agressive intimidation, which included telling me not to interrupt when I attempted to ask a question, repeatedly telling me that both I and my son were lying, and continually making demands regarding my compliance, in the process repeating herself over and over again. It was a classic " breakdown-the-subject '', one-sided barrage of intimidation designed to frighten me into submission. Her berating went on from XXXX XXXX until XXXX ; a full hour and a half! My son submitted the signed " XXXX '' forms she sent him and is supposed to get his loan payment reduced to 1 % of his income. His takehome pay, after deductions, which include a company health plan, is {$XXXX}. There is also Transworld 's collection fee of {$3200.00} which I assume they will want him to pay. My son got a XXXX year degree using many loan programs including XXXX, XXXX and XXXX. Because of his XXXX he received XXXX years of XXXX paid for by the county and the state that cost {$100000.00}. In his XXXX he also became XXXX ... and XXXX ; he was an XXXX years. He started his XXXX and worked as a XXXX during that period, but never made very much ... barely enough to support himself. XX/XX/XXXX he entered a XXXX and has been XXXX for seven months. He has had a job since XX/XX/XXXX and has received XXXX pay increases and numerous promotions ; he is now the XXXX. I think XXXX XXXX and Transworld have violated laws regarding debt collection. Thank you for this opportunity to submit a complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Salinas, CA

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-08-03

Accord, MA

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

2015-08-03

Mt Pisgah, IN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Benbrook, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Cumming, GA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-03

Bayway, NJ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Complaint: Just received information about the lawsuit filed against XXXX to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via XXXX XXXX when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. XXXX services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least XXXX times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. And now, since the lawsuit against XXXX XXXX has been taken up XXXX XXXX XXXX has since transfered it 's loan accounts, or at least mine to University XXXX XXXX, XXXX. I have been out of school since 2013 and paying back my loan since then, now having made payments to XXXX different companies and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-02

Saint Louis, MO

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

2015-08-01

City Of Sunrise, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-01

Mustang, OK

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Noblesville, IN

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

2015-07-30

Lee, MA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: A " letter from XXXX named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me in early XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in XXXX XXXX Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from Transworld Systems Inc. for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX XXXX offers self-opposing facts, untruthful information & no useful service.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-29

Gr, MI

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: A collection agency sent me a letter on behalf of XXXX XXXX commpany for a past due utility account which I never had. Transworld Systems Inc. is the collection agency. They advised me the past due bill is for a property in XXXX, MI which I never owned. I have never lived in or owned property in XXXX, MI.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

N Brunswick, NJ

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: Credit company TSI ( Transworld Systems Inc. ) called trying to collect debt owed to XXXX XXXX XXXX. I did not recall the doctor or time frame right off the bat. Was informed the credit company would investigate and get more information from XXXX XXXX. A week later I receive a bill that stated {$4200.00} and then noticed that the bill was suppose to be {$3400.00}. Not only was he over charging me but also noticed with the paperwork that I received from TSI was my Medical Record Chart that explained my procedure, my past medical history, and background information as in my health. I learned stuff about my procedure that I did not even know about. Not only is this against my HIPPA rights but XXXX XXXX also over charged me. I know now what the bill is for due to receiving all my information in the mail. I have no issue paying my bill but I do have a issue with my information being sent around without my consent. At that time frame I was unemployed with no health coverage and ran out of time to apply for Charity care. For proof I would of believed a bill would of been sent to TSI not my medical chart. My medical information was faxed to TSI, and was shared wit TSI and then mailed to me. And the envelope had a tear upon arrival. I have filed a report with the Department of Health and Human Services as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

San Antonio, 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

2015-07-27

Ext Mans San German, PR

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

2015-07-27

Hawthorne, CA

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

2015-07-27

Bel Nor, MO

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

IN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am receiving a collection notice from XXXX for XXXX XXXX in the amount of {$30.00} for medication that was sent in the mail. As I have explained to XXXX since XXXX 2014, I have never been prescribed this medication, have never seen this doctor prescribing it, nor have I ever been diagnosed with this condition used for the medication. They continue to try and collect this debt from me, ruining my credit illegally. They have no documentation to show me regarding this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

Warren, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-26

Alta, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-26

Baltimore, MD

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-25

Cambridge, KY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Hemet, CA

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

2015-07-24

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response