TRANSWORLD SYSTEMS INC

2015-06-02

Ocklawaha, FL

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-06-02

Carol Stream, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Herndon, VA

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

New Bedford, MA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

TN

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Please see the attached correspondence. I am the Federal Fiduciary of VA benefits for XXXX XXXX XXXX. He is currently under the care XXXX Prior to his approval for XXXX, he incurred XXXX expenses at that facility for which I am personally being harassed by Transworld Sytems Inc. for payment of that debt. I am not his legal guardian, nor liable in any way for his debts. I merely receive the VA benefits and dispurse them in accordance with the law for his care.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Philadelphia, PA

Communication tactics

Debt collection: Federal student loan

Threatened to take legal action
Complaint: On XXXX XXXX XXXX threatened to garnish my wages when I offered a {$5.00} payment outside of the rehab program I had been deceived by XXXX XXXX XXXX into accepting ( though I never signed their papers ) In XXXX XXXX, I agreed in principle XXXX, who convinced me by saying they would backdate it to start a year ago ( since I had already been making the $ XXXX/month payments, saying that I could 've even done it at $ XXXX/month with my income and expenses. However, each time they sent the paperwork it never showed the backdate, so I never signed it or returned it. Another problem with the XXXX is they were no longer willing to set up my payments with my pay schedule from work, but insisted on the same day each month. He initially placed it too early in month, but did later say fixed it till end of month, but they would n't accept future payments when I attempted to make them. Going back to XXXX XXXX, XXXX, when I got on phone with XXXX XXXX, it was my XXXX call in to the number XXXX provided back in XXXX. Now, XXXX told me that it was n't the correct department, hence my issues getting through earlier. On top of that, like I wrote earlier, he threatened garnishment on me. This is the XXXX time they threatened garnishment outsuide of their company policies and DOE regulations. I am trying to make payments, but this company continues to harass me and cause me undue mental anguish in trying to resolve these accounts. ( A little background here, these loans were less than half their current balance when I was in hardship deferral after college and was arrested in XXXX, sent to prison in XXXX. I feel that they are unjustly higher based on circumstances outside my control as no one advised me I had to renew the deferral annually and I did n't get mail until XXXX in prison when they were already in default. )
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-01

Santa Ysabel, CA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: received notice from collection agency with no information of original account or product. Called them, put on hold then sent to message center but their mail box was full and was disconnected. Amount is only {$5.00} so seems like fraud -- too small amount to worry about so pay it may be desired response.?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Imperial Bch, 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

2015-06-01

FL

Disclosure verification of debt

Debt collection: Medical

Not disclosed as an attempt to collect
Complaint: I received a letter from a Collection agency, TRANSWORLD SYSTEMS INC., on XX/XX/XXXX for a bill of {$19.00}. When I called the credit agency I was not given any information as to how to contact XXXX who sent this bill to a collection agency. Apprarantly it is for rental of my XXXX equipment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complaint is that I have never received a bill from XXXX for this bill yet they forwarded it to a collection agency. If they could give my address to the credit agency they could have contacted me at some point during all these months. If they tried to mail me the bill I have never received XXXX. I always pay my bills so I resent them ruininng my good credit because they failed to send me a bill. Apparently this is the difference in what my insurance company at the time XXXX did not pay. Had I been sent a bill I would have promptly paid it. If you check my credit you will see I have paid much larger bills than this XXXX and always paid on time. I will pay the bill but I would like for XXXX to be aware of my complaint and if they say they have tried to send my a bill I would like to see proof of that. I would appreciate any help you can give me in this matter, I am sure I am not the only person this has happenned to. Sincere XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-31

Washington, DC

Communication tactics

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

Used obscene/profane/abusive language
Complaint: I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report. Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ). The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ). XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ). XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ). I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box. *Please note that I believe the improper communication tactic is grounded in making false statements.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Rome, OR

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-05-29

Fred, VA

Communication tactics

Debt collection: I do not know

Called outside of 8am-9pm
Complaint: TRANSWORLD SYSTEMS in XXXX DELAWARE KEEPS CALLING ABOUT A DEBT FOR SOMEBODY WITH THE SAME NAME AS MYSELF. I HAVE GOTTEN XXXX CALLS IN THE LAST XXXX WEEKS. THEY ASK FOR MY SSN and b-date which I will not give them. They will not stop calling.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Lewisville, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: The servicer of my private student loans is not applying my payments correctly causing my loans to default
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-28

Boston, MA

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Peabody, 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

2015-05-28

Ogden, UT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: debt is not valid see attached.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Ocklawaha, FL

Disclosure verification of debt

Debt collection: Non-federal student loan

Right to dispute notice not received
Complaint: Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Broadway, WA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Carver, MA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Lexington, KY

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Golden Isles, FL

Disclosure verification of debt

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2015-05-27

Oxford, GA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ) for their improper debt collection tactics. The alledged debt amount of {$2100.00} stems from a procedure I had done on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from debt collector Transworld System INC - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ). I contacted Transworld on XX/XX/XXXX and this is when I found out who XXXX was ( currently XXXX is out of business ). On XX/XX/XXXX I contacted Transworld again and their representative, XXXX XXXX XXXX a call with my insurance provider XXXX XXXX XXXX. At that time XXXX of XXXX XXXX stated to XXXX XXXX that they had no record of XXXX ever filing a claim. XXXX XXXX was also informed that contractually XXXX was required to submit a claim for payment. When asked by XXXX of XXXX XXXX for XXXX XXXX to provide an itemized bill and a contact number for XXXX she was not willing to provide that information. We concluded the call with XXXX XXXX stating she would contact XXXX to see if they would submit a claim, and verify they had my correct insurance information. My issue with XXXX is for failing to follow the proper procedure for collecting on this claim and for sending my information directly to a debt collector. My issue with Transworld is for attempting to collect on a debt without providing me with an itemization of the bill. I am aware I am responsible for my percentage of the covered and allowable charges set forth in the terms of my plan coverage. Needless to say XXXX will not be getting {$2100.00} from me. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Austin, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

La Grange, KY

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Flushing, 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