TRANSWORLD SYSTEMS INC

2019-05-03

Laurel, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-05-03

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-05-03

Bremen, GA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I recently noticed a collection account listed on my credit reports from Transworld for {$310.00}. I am not aware of where this collection came from and I am requesting debt validation. Please provide copies of a signed contract and copies of billing transactions to validate this debt
Company Response: Closed with explanation

Timely Response

2019-05-03

NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Debt was reported to Transworld system Inc in the amount of {$300.00}. Debt was paid in full however collection agency fails to report to credit bureau to have collection to be removed
Company Response: Closed with explanation

Timely Response

2019-05-02

Berthoud, CO

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been paying off my loan with XXXX XXXX XXXX consistently for year with no problem. Starting this year I updated my bank account information and all of a sudden all my payments have been failing. I have tried paying to my loan 6 times and they keep failing the payment. I have re-updated the correct bank account information multiple times and they still fail to accept the payment. I contacted my bank, who checked their system and they found 0 record of XXXX every trying to take the payment. I have confirmed the bank accepts ACH ( I have multiple other loans paying from the same bank account with NO problems ). The customer service with XXXX is HORRIBLE. I have called and e-mailed numerous times and I get some person outside the United States who knows nothing and they all come up with a new excuse and never actually help. I have gotten no return contact from someone who will actually fix this. Now they have started going after my credit for their error! I can not get anyone to help and all I want to do is pay my loan and restore my credit history, which should show 100 % payments and no derogatory marks. I am trying everything I can and this is all the fault of XXXX and their failed system.
Company Response: Closed with explanation

Timely Response

2019-05-02

Philadelphia, PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: Transunion is the only Bureau to fix this, XXXX and XXXX are unable to. I had a XXXX account from XX/XX/XXXX to XX/XX/XXXX, this was closed due to divorce and foreclosure. Since XX/XX/XXXX my debt has been sold twice and re-aged both times. The Current holder is Transworld Systems Inc located in XXXX XXXX, PA. They have my account listed as OPENED in XX/XX/XXXX. This is an illegal reporting under FCRA but with all of my complaints TSI said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.
Company Response: Closed with explanation

Timely Response

2019-05-02

Hazlehurst, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I noticed a collection on my credit report for a hospital bill that I never remembered receiving treatment it says from XX/XX/2014. I disputed this with the credit bureaus and they stated that it was my account and verified. Then they sent me a letter saying a bunch of medical procedures and drugs that the hospital gave me as well as an itemization of everything I allegedly had that was treated for. Noted, there are XXXX family members that have the same name as mine only difference is our middle initial. I never received ANYTHING from this company prior at my mailing address. I believe rights were also violated per HIPPA since they listed medications, and what the charges were. This debt has never been proven to be mine but any 3rd party collection shouldn't be sending me an alleged bill stating that I take XXXX which is a narcotic. I'm embarrassed that there is a document with my name on it with all these services and medications listed. I am seeking a lawyer to remedy the legal aspect.
Company Response: Closed with explanation

Timely Response

2019-05-01

Lakeland, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-05-01

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-05-01

Calumet Park, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-05-01

TX

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: XXXX XXXX and Transworld System are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. Transworld NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act. These entries from both companies should NOT be reflected at all. I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe XXXX nor do I owe Transworld. DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.
Company Response: Closed with explanation

Timely Response

2019-04-30

Southern Pnes, NC

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Employees from transworld systems called on the morning of XX/XX/2019, I asked them repeatedly to state their business which they refused to do and attempted to get me to identify myself. I told the employee to never call my phone again and I continue to recieve calls from transworld systems from the following phone numbers : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-29

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-04-26

Millville, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was informed by my credit card company my credit score changed. I checked my score snd it had dropped 90 points! A collection was posted to my credit reports I had no knowledge of. I immediately filed a dispute with XXXX XXXX and then called the collection agency ( Transworld Systems ). I told them I had no knowledge of the debt, and they had not ever contacted me. The alleged debt was from 1988 in Ohio ( Ive lived in California for over 17 years. TSI first told me to file an identity theft report with the police, I said that was ridiculous and asked for a supervisor. I filed a dispute with TSI and am totally repulsed by their slipshod, fabrications attempting to collect debt. I have no derogatory remarks on my reports for almost twenty years and will not yield to these devious tactics.
Company Response: Closed with explanation

Timely Response

2019-04-25

Lenzburg, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-25

IN

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't get other flexible options for repaying your loan
Complaint: On XXXX I get a bill saying I owe XXXX dollars for my Perkins loans. They are a new servicer for my university. I contacted them via phone and message asking for IDR plans. Here is what I wrote : Hello. I can not afford these payments now because I am unemployed. I live in XXXX XXXX Indiana where jobs are slim to none. Unless, I work at some fast food joint. I thought I applied for that income based repayment plan and it was explained to me that that was all I have to do and my federal loan payments will be reduced. However, I have this big bill from you. Can you please help me out? I broke my phone and don't have enough money to get a new one so can you please contact me via this portal or email? Thank you, XXXX XXXX There was no option for it and they told me it was only forbearance. All my other servicers gave me IDR plans and these are government loans so it should be available. on XXXX I received this message back : Dear XXXX, Thank you for contacting XXXX XXXX XXXX. As of today we are still finalizing with your lender what are the benefits avaible for this loan program, for the meantime may we advised you to download benefit form, in your portal, refer to benefit links< benefit forms. You may apply for Economic hardship, Unemployment deferment or General Forbearance, once complete you may send it to XXXX If we can be of further assistance, please call our office at XXXX. Sincerely, Borrower Relations XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- - I didn't want forbearance because I wanted to have payments count towards the number of years I was paying on time to have some of my student loans absolved after 10 years. I wrote them back : Wait. I'm confused, I don't want to be in forbearance. I thought income based repayment plans were like as if I was making payments but my payments are just low to XXXX dollars per month based on my income. I have XXXX income so I can not pay. Can you just enter in the IBR plan? I also just recertified it just in case that helps.I can send you my last tax documents. Can you tell me what I need to do to enter the income based repayment plan? NOT forbearance? I got the answer back : Hi XXXX XXXX, We apologize however XXXX doesn't offer income-based repayment. What we offer are Economic Hardship and Unemployment deferment which postpones payment on your loan or Forbearance which also postpones payment however interest will continue to accrue. If we can be of further assistance, please call our office at XXXX. Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX . So I called them at that number and they refused to understand and put me into an IDR. I don't need to have a doubled bill while I raise children just because interest accrues. This isn't right and no other loan servicer that I have forces these options on me. The agent spoke with a supervisor and then I was told to send the form from studentloans.gov to XXXX. All I got in return was this : Dear XXXX, Thank you for contacting XXXX XXXX XXXX. We had informed you what are the options we had for deferment. If you want to apply for an IDR or IBR, you may apply for a consolidation. Most federal loans can be consolidated into the Federal Direct program that allows for IBR. You may visit the web site https : //studentaid.ed.govXXXX. There may be loan companies that provide consolidation of private loans and offer something similar to IBR. But please take note that consolidation is not for everyone, not everyone qualifies, and consolidation can mean the loss of some benefits from the original loan program. If we can be of further assistance, please call our office at XXXX. Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX . I have no clue why they are telling me about private loans consolidation, and why I have to consolidate to apply for IDR or IBR. No other loan servicer has this issue and this company is trying to get me to do something that will ruin me even further. I need them to do this correctly and understand what they are saying. They seem to get it wrong each time I call them.
Company Response: Closed with explanation

Timely Response

2019-04-24

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-04-23

Boston, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Thanks for the opportunity to file a complaint. Debt collectors have contacted me for at least 20 years about a XXXX XXXX 's various debts. I am disgusted. I am sending the letter below to this company. Honestly, I fear letting these people know my real name. Why do you ask at the end of this complaint if I am the account holder or debt owner? I am neither. That is the problem. Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear debt collector, Re Transworld systems account number XXXX I am not XXXX XXXX. I have never been XXXX XXXX. It is not a derivative of my name. I have no children and do not have any relatives by that name. No one by that name has ever lived at this address. Fact. Even better, I have been a XXXX XXXX customer most of my adult life and definitely the past 26 years. XXXX XXXX knows who I am and knows that I do not owe them a dime and never have. If I owed that money at my address I would not have heat and lights and you know it. Attaching someone elses first name to my last name and address is filthy. You can threaten that unless I spend the time I have in life on someone elses debt that it then becomes a valid debt for you to pursue? Why dont you pursue the right person? But you never know right? One day, maybe soon, I will be so old and infirm that I just might pay someone elses debt and you will get a commission. Maybe I will die and someone will pay XXXX debt to settle the estate and you will get your commission. Debt collector, try harder to find the right person. Remove my contact information ( address ) from your file. Do not contact me again. If you have reported this debt to my credit file using my address, remove it. I will be filing a complaint with the federal consumer protection bureau. I am sick to death of collectors coming to me for someone elses debt. I am not signing with my name because I believe you will then update your records with it. Look up your own account number. You have the wrong person.
Company Response: Closed with explanation

Timely Response

2019-04-23

Staten Island, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX / XXXX XXXX XXXX XXXX said i owed this amount and it was paid in full and this was not my account as i never lived at XXXX XXXX XXXX. They sold it to transworld system inc and it is still on my credit report this account shoukd not be on my credit report as it is paid in full and not my account please delete immediately as this is not my account thank you.
Company Response: Closed with explanation

Timely Response

2019-04-20

Wilson, CT

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-19

Patterson, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Complaint: The debt was discharged in chapter XXXX Bankruptcy in 2014. I have tried calling collection agency, phone number is not valid, I have called the client that the collection agency is collecting for, they have stated I have no account in their collection or open.
Company Response: Closed with explanation

Timely Response

2019-04-19

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received notice from XXXX XXXX that a debt collection had been added to my account, thereby substantially impairing my credit. I dispute this debt ; I paid my bills regularly for the almost 20 years that I lived in Ohio. This is apparently a claim that I owe {$69.00} to a utility company, XXXX XXXX XXXX I have not been a customer of this company for almost two years, and received no written claim or verification. I want this removed from my credit account immediately. This feels like a scam created to coerce money from me by ruining my credit rating.
Company Response: Closed with explanation

Timely Response

2019-04-18

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-04-18

Lewisville, TX

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: I have called I have written letters for them to delete from my report
Company Response: Closed with explanation

Timely Response

2019-04-18

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.
Company Response: Closed with explanation

Timely Response