TRANSWORLD SYSTEMS INC

2015-05-07

Glendale, AZ

Communication tactics

Debt collection: Medical

Threatened to take legal action
Complaint: I have received no contact with anyone regarding a bill that I owe. I just received a letter in the mail from Transworld Systems Inc, stating that I owe them money. They advised if I do not contact them within 30 days after receiving this notice, they will assume the debt is valid. I have tried to contact them by phone and have been unsuccessful. The voice mail that I was connected to stated that it is full and I ca n't leave a message. How can a company just give you 30 day to prove the debt is n't your when you do n't even know what it 's for in the XXXX place? Is this company a fraud?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Jacksonville, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}. In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

KS

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Debt collection company will not provide verification in writing.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Ext Mans San German, PR

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

2015-05-06

Springfield, MO

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Complaint: I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-06

Oxford, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I went to XXXX at XXXX University and I applied with a private loan to XXXX for XXXX to pay for school expenses. This was in XXXX I have never once received any documents from XXXX or any other company stating that my loans were being sold to anyone else. I graduated from XXXX University in XXXX, and started XXXX XXXX in XXXX in all this time I still had not heard anything I 'm thinking that my loans are with XXXX XXXX and XXXX only. So in XXXX I was served with some papers at my Mom 's old house that I had n't stayed at in years. So I ended up getting a court date in XXXX XXXX with a Law firm by the name of XXXX I have never heard of them. Stated that they were representing XXXX XXXX XXXX XXXX XXXX I still have no clue who these people are. So I went to court in XXXX Ga and I explained I wanted to see paperwork because at the time I had no clue who was the lender and the judge told them to provide me with proper documentation. They never did I filed chapter XXXX bankrupt in XXXX of XXXX and I 'm full aware that student loans can not be discharged in BK and that 's not what I wanted. So in XXXX of XXXX my mother was XXXX and I had not worked from XXXX XXXX XXXX of XXXX with no pay. I get my third paycheck of the year and saw a Writ of Garnishment on it I was so confused. So I filed a adverse with the courts and had to go to court in XXXX XXXX Ga today and the attorney office that was represented was the same which is XXXX which again they did n't seem to care and which I understand. The attorney that showed up today showed me which loan it was for which was XXXX in the amount of {$5000.00} which now they are claiming I 'm owing almost {$10000.00}. I just checked my paycheck voucher and they have taken XXXX so far from these pass few pay checks my last pay check on the XXXX was for {$570.00} I can no longer live like this I 'm going to be homeless soon and these people do not care. I told the attorney I will pay them {$200.00} a month but almost {$600.00} is ridiculous so what do I tell XXXX-My car company-insurance-rent and other utility companies? XXXX XXXX do not pay me nothing but {$29000.00} a year I 'm barely making it. So I 'm filing an complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX- If I 'm evicted what do I suppose to do nothing live on the streets of XXXX. This is suppose to be America education is preached and taught, but when we have to go through things like this you lose all hope as a citizen who pay their taxes.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-05

Alexandria, VA

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

2015-05-05

Superstition Mtn, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Eastmont, WA

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-05-05

Reeds, MO

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I was billed {$270.00} by XXXX XXXX XXXX which I paid by my check No XXXX dated XXXX XXXX, 2015. My check cleared my bank account on XXXX XXXX, 2015. I subsequently received a debt collection notice dated XXXX XXXX, 2015 from Transworld Systems Inc., Collection Agency, XXXX XXXX XXXX, XXXX, PA XXXX, correspondence to be sent to XXXX, DE. I have since received further collection notices dated XXXX XXXX, 2015 and XXXX XXXX, 2015, despite the fact I advised the collection agency on XXXX XXXX, 2015 that I dispute the debt because it has been paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

FL

Communication tactics

Debt collection: Medical

Threatened to take legal action
Complaint: I received a notice from Transworld Systems Inc. that threatens to report me to all national credit bureaus. It also gave me a phone number to call, which I called XXXX times. Each time I called I was placed on hold for several minutes and then the phone would just hang up. This is a very rude and deplorable way to conduct their business.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-04

Winston Salem, NC

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with XXXX XXXX XXXX. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have surgery last year. He had a total of XXXX surgeries in XXXX months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-03

Ball, LA

Getting a loan

Student loan: Non-federal student loan

Can't qualify for a loan
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

Anderson Township, OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-01

New Britain, CT

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-01

Orchard Mines, IL

Improper contact or sharing of info

Debt collection: Non-federal student loan

Contacted me instead of my attorney
Complaint: Starting XX/XX/XXXX I filed Chapter XXXX bankruptcy for reasons of too many bills and not enough money coming in. In the bankruptcy was my private student loan through XXXX XXXX XXXX XXXX By the bankruptcy laws of XX/XX/XXXX, the loan can not be discharged through the process anymore. On the other hand, the loan is suspended for the duration of the bankruptcy agreement which means I do not have to pay any money towards the student loan with no consequences. After my bankruptcy is discharged, the repayment of the loan is started again. Now I was discharged XX/XX/XXXX. In late XXXX I was contacted by a company called Transworld Systems Inc . The company is a debt collection agency representing XXXX XXXX XXXX. First they did n't offer to prove that the loan is mine and if the amount that they claim that I owe is even correct. We did though come to an agreement for me to pay XXXX dollars every other Friday, which means in a years time I would be one month ahead of scheduled payments. On XXXX/XXXX/XXXX I made the first full payment of XXXX dollars. Two weeks later on XXXX/XXXX/XXXX the XXXX dollars every other week started. I made every payment that they wanted me to make with no issues. On XXXX/XXXX/XXXX was the last payment that they would take from me. Approximately a week later a company called XXXX XXXX XXXX XXXX Contacts me, wanting me to start voluntarily start paying on my XXXX XXXX XXXX XXXX. I told them that I am already repaying my loan with another company ( Transworld Systems Inc XXXX. After they contacted me, I turned around and contacted Transworld system. They told me everything is fine and im still on schedule to keep making scheduled payments every other week. After that was all said and done I did n't think anything of the situation. Three weeks and went by and it was XXXX/XXXX/XXXX. I checked my account to see if the payment of XXXX dollars has been withdrew from my account. It turns out that the payment was not taken from me. I look closer and find that two weeks before this time on XXXX/XXXX/XXXX that the payment was n't accepted then either. I contact Transworld systems to find out why the payment was n't received. They tell me that the account has been closed and I have to call this particular number. I call the number which is for the national collegiate trust people. XXXX now tells me that I have to contact XXXX XXXX XXXX Law firm. I contacted them and now they wanted me to pay more a month that was already agreed upon with the other XXXX XXXX. I told them that I could n't afford the payment of XXXX dollars a month. It was already hard enough to pay XXXX dollars a month as it was. Through all of this not once have I received any kind of paper work or any information of why the account has changed hands especially since there was an original agreement with the original company to repay the loan at XXXX every other week until paid in full at 4 % interest. I do n't even know if XXXX XXXX XXXX or Transworld system inc is even a reputable company but they are expecting me to give them a lot of money without prove of any kind that the amount is correct or not and if it even is my loan. I also have obtained a lawyer to handle all of my issues with this debt collection. They have not once responded to his request for information. They do on the other hand keep contacting me instead of him which I know is a violation of my rights. Since this has started with the changing of people they have put a collections on my credit report in which it is causing me financial ruin especially since the reason of bankruptcy is to get back on track with my finances and my credit report. As of right now Im back where I started 6 years ago. My agreement of repayment has been changed unlawfully without my knowledge. They also want a higher settlement when I owe less money
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Baltimore, MD

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

Three Bridges, NJ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-30

China Lake, 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

2015-04-30

Plymouth, FL

False statements or representation

Debt collection: Medical

Indicated committed crime not paying
Complaint: XXXX has been paid. XXXX ( XXXX ) payments of {$440.00} were paid in XXXX 2015. My current balance is XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Pinellas Park, FL

Taking/threatening an illegal action

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

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

Disputed: No Timely Response

2015-04-29

Dunnellon, FL

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-29

Erie, PA

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