TRANSWORLD SYSTEMS INC

2015-04-01

TX

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. I find it very unethical of this company to let so much interest add back up to such a high amount. This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Los Angeles, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

Lexington, KY

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

2015-03-31

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

WI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

San Francisco, CA

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Clermont, FL

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Sun City, AZ

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2015-03-28

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-28

IL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: Transworld now owns this debt but I never received any notice from anyone saying the ownership has changed. I have tried to contact XXXX XXXX but he never returned my calls which he is suppose to do. XXXX XXXX XXXX is a horrible servicer because they are constantly giving misinformation. I made a payment on XXXX/XXXX/XXXX which was XXXX which XXXX XXXX claims was a regular weekday but and their office was closed and the system allowed me to make a payment on that day, I also made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX which was made on a weekend which XXXX claims you ca n't do. I was credit reported on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, now I made a payment on XXXX but it did not post until XXXX/XXXX/XXXX because they were closed on Friday, the day after XXXX which they reported to my credit even though the payment was there, the supervisor advised because the payment was made on the XXXX it will be updated, a payment on XXXX/XXXX/XXXX was posted but the payment was made on XXXX/XXXX/XXXX which was a Saturday but XXXX claims you ca n't make a payment on weekends which I have on numerous times, I also made a payment on XXXX/XXXX/XXXX therefore the credit reporting needs to be removed. This is illegal due to the FCRA because XXXX XXXX XXXX claims their system " credit reported '' me. I can take legal action against Transworld and XXXX XXXX XXXX for illegal FCRA. XXXX needs a set standard as to when credit will be reported because I was told it was based on when the payment was made, since they removed the credit reporting for XXXX and XXXX they should remove it for XXXX since they can see the payment was made. Like I advised before, I made a payment on XXXX/XXXX/XXXX which was XXXX and the payment did not post until XXXX/XXXX/XXXX ( which is not my fault ) and I also made a payment on a Saturday which was XXXX/XXXX/XXXX and it did not until XXXX/XXXX/XXXX, the supervisor removed it because she states they go by the date the payment was made. Clearly XXXX XXXX does not know what she is talking about and clearly needs to look the calendar for XXXX because they removed credit reporting for the same issue but not willing to remove it now. I could lose my job over this and then I will have take legal action against you due to XXXX because you now own this debt. All of the negative credit reporting should be removed, I already spoke with a FCRA attorney and he advised me that XXXX can legally remove XXXX 's credit reporting because the payment was made on the XXXX which they acknowledged and every time I ask for your company 's information, they are unwilling to give it to me which I should have by law since your company is receiving my money every month. XXXX also makes it difficult to make complaints because they do not take any responsibility for anything, the only reason why any credit reporting was removed was because I complained about it. I want all the negative reporting removed so I can get the private loans with another provider which I ca n't do unless the credit reporting is removed, private lenders are credit based so I would need a good credit score to get a favorable rate. Once I am able to get the private loans with another provider, you will be able to get your money because I ca n't continue to deal with this situation with XXXX and I ca n't afford to lose my job over this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-28

GA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services. My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans. Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-27

Washington, DC

Communication tactics

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

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

CT

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full. They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Itasca, IL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: XXXX is XXXX XXXX XXXX XXXX that tried to double dip with XXXX XXXX by issuing XXXX bills in the same amount. I spoke to them several times regarding Insurance and " NO PATIENT RESPONSABILITY '' and several months later I find collection attempts listed on my credit reports from TRANSWORLD SYSTEMS INC Collections in the amount of {$970.00} directly affecting my Credit Reports and Score. I call again and find that the accounts were recalled and deleted by the XXXX and the information removed in their systems. The recall did not reach TRANSWORLD SYSTEMS INC Collections and negitive information was placed on my credit report BEFORE the information was verified ( PRIOR TO RUINING MY NAME ). This is proof that this collections agentcy failed to validate a debt and is in violation of the FDCA. Validation is done before listing it on the XXXX credit reporting sites. This directly affected my interest rates and caused a denial of credit. My name has been smeared by TRANSWORLD SYS INC since they acted first and ask questions after the fact. If TRANSWORLD SYSTEMS had followed federal law the information would never have appeared on my credit reports. I want all ALL negitive information for ANY accounts removed from my credit reports since they do not validate debts before the ruin lives.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-27

Millcreek, UT

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-26

Hermitage, TN

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-26

Cane Creek, AR

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Potomac, MD

Communication tactics

Debt collection: I do not know

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

New Orleans, LA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX. The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up. I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO! It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Encino, CA

Disclosure verification of debt

Debt collection: Federal student loan

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

Disputed: No Timely Response

2015-03-24

Metairie, LA

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

2015-03-24

Bartlett, IL

Improper contact or sharing of info

Debt collection: I do not know

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

Disputed: No Timely Response

2015-03-21

Smyrna, GA

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

2015-03-20

Fred, TX

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

2015-03-20

Houston, TX

False statements or representation

Debt collection: I do not know

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response