TRANSWORLD SYSTEMS INC

2019-04-18

Brooklyn, NY

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I received a notice from XXXX on XX/XX/XXXX indicating that I have an account in collections. When I checked my XXXX report, I saw an account in collection from Transworld System Inc/94 in the amount of {$230.00}. It says the recent balance was as of XX/XX/XXXX, and it said that it was opened in XX/XX/XXXX. The accouont number is XXXX. I never received a notice of this debt and was not given my right as a consumer to dispute this debt. It has now tarnished my credit. I want this removed from my credit report and I want a notice sent to me so that I can review the debt.
Company Response: Closed with explanation

Timely Response

2019-04-17

VA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been dealing with the company XXXX for a year and a half. In that time, I have had to contact them MULTIPLE TIMES as to the fact that 1 ) I never receive a bill and 2 ) the fact that they report me as being late to credit agencies when the bill is not even due. I made a report to this agency about this XX/XX/2019 and they lied to you saying that they had not reported me as being delinquent in my payments to the credit agency when in fact they had. Someone really needs to investigate this company.
Company Response: Closed with explanation

Timely Response

2019-04-17

South Florida, FL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: This company called me and indicated that if I paid them, they would remove the negative information from credit report. After reluctantly making the payment, the information remains and they have no even updated the balance. I've called and written numerous times, but have not received a response. Additionally, after reviewing the medical bills in question it appears that I paid much more than I originally owed. I have also started to receive collections related to this already paid debt. So, did this company have the authorization to even collect this debt?
Company Response: Closed with explanation

Timely Response

2019-04-16

Effingham, KS

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Transworld Systems Inc has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. InXX/XX/XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XX/XX/XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from Transworld Systems Inc contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from XXXX XXXX XXXX XXXX XXXX XXXX and it will take time, but I need to get this taken care of so I can move on.
Company Response: Closed with explanation

Timely Response

2019-04-16

Jacksonville, FL

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted you after you asked them to stop
Complaint: Trans World Systems keeps calling me to collect a debt that I never owed. I keep asking them to stop calling and they won't. They call from XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-16

Kansas City, MO

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2019-04-16

Leming, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, I got a phone call from Trans World Systems. They stated that I owed a debt to a medical doctor back dating back to XXXX. I had recently seen this same doctor on XX/XX/XXXX, and they said I dont have any pending balances. The associate with Trans World was very rude and was hesitant to get my card information to pay for the amount owed. I had told them I can pay the amount this coming Friday ( XX/XX/XXXX ) but that I would call in to give my card number and payment and that I didnt feel comfortable giving them my card number right now. And I also asked to validate this debt but the individual told me that supposedly since XXXX they have been trying to contact me, but I havent gotten calls nor correspondence from this collection agency. They were hesitant and they just hung up on me and said they were going to take notes. I then immediately called the doctors office from where supposedly the original debt is from. They said there is nothing on file and on the contrary, I have a {$40.00} credit on my account and no due balances are listed.
Company Response: Closed with explanation

Timely Response

2019-04-16

Euclid, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: TRANSWORLD REPEATLY TRIES TO COLLECT DEBT THATS NOT MINE EVEN WHEN THEY REMOVE THIS INACCURATE INFORMATION THEY GO RIGHT BACK AND REPORT AGAIN KNOWING THIS IS NOT MINE THEY DONT CARE JUST CONTINUE TO VOLATE FAIR AND ACCURATE REPORTING.
Company Response: Closed with explanation

Timely Response

2019-04-15

FL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Complaint: On XX/XX/2018, I applied for a mortgage with XXXX XXXX XXXX. At that time, I was informed that I had a collection account of an amount over {$30000.00}. I was working with my mortgage officer to see what we could figure out about this debt. We had contacted the company via the number listed on the credit report that was pulled by my mortgage company. I have been out of school for over 10 years and have never personally made any payments on this alleged debt. Upon further investigation, my concerns grew greater as I found that there were charged brought upon this company attempting to collect this debt along with the company they are representing as a third party collector. When we contacted this number, it took quite a few attempts to actually get someone on the phone. Once we were in contact with someone, I was informed that it was for an alleged private debt that I acquired when I was only XXXX years old. We asked to send validation and/or proof of what this debt was, including but not limited to ; a promissory note, any documentation to prove that this debt was mine, any payment history made along with what accounts they were withdrawn from. As of the date of this complaint and two calls with this company asking them to furnish me with any and all proof that they have that I own this debt ; I have yet to receive anything. This is unfair because it is prohibiting me to be able to purchase a new home. The is abusive because I have now suffered from a damaged collection account on my credit report. I feel that I've been patient enough in waiting for documentation that was requested months ago on multiple attempts. Yet alone being that the requested documents are from several companies listed in in a CFPB filing and ruling against them for what appear to be the same practices taking place against me.
Company Response: Closed with explanation

Timely Response

2019-04-15

Wonder Lake, IL

Written notification about debt

Debt collection: Private student loan debt

Didn't receive enough information to verify debt
Complaint: In Mid-XX/XX/2019, I received a letter from Transworld system Inc, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that Transworld was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through XXXX XXXX was going to be terminated or how XXXX XXXX was going to be notified of this settlement result. When I called Transworld Systems Inc for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through Transworld Systems Inc, and no one else. When I called XXXX XXXX, they insisted I needed to pay XXXX XXXX. I called both XXXX XXXX and Transworld Systems Inc multiple times, and verified that that all of my private loan that was being serviced through XXXX XXXX wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both XXXX XXXX and Transworld Systems Inc are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXXXXXX XXXX XXXX without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for Transworld Systems after multiple transfer of calls. Neither XXXX XXXX nor Transworld Systems is willing to look into my situation. Both XXXX XXXX and Transworld Systems are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. I have since learned that neither XXXX XXXX nor Transworld Systems Inc has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. XXXX XXXX XXXX XXXX seems to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I ask CFPB to look into this matter for me. Thank you so much! - XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-13

Salton City, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Daily calls for more than a week. Robocalls. No voicemail. Trying to collect a debt for someone other than myself. I have called to ask to be removed from their list, calls continue. Company name is Transworld Systems Inc.
Company Response: Closed with explanation

Timely Response

2019-04-12

Alexandria, VA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-04-12

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XX/XX/2019 and XX/XX/2019 I made payments to pay off my student loan with XXXX XXXX XXXX. The payments resulted in an overpayment of {$220.00}. Per the terms and conditions, the overpayment should have been returned within 60 days. After 60 days had passed and I had not received reimbursement, I contacted XXXX XXXX XXXX on Friday, XX/XX/19. The representative I spoke to said they would contact the accounting department and that I would receive an email and resolution within a week. More than a week passed and I had not received an email, resolution, or reimbursement so I called XXXX XXXX XXXX on XX/XX/19 to follow up. The representative again told me that they would be sending an email to their accounting department and I should expect an email and resolution within a week. On XX/XX/19 I still had not received reimbursement nor an email. I called XXXX XXXX XXXX and was told for a third time by a representative that they would be sending an email to the accounting department and I should expect an email and resolution within a week. At this point, I have no faith in XXXX XXXX XXXX ability to resolve and reimburse my overpayment.
Company Response: Closed with explanation

Timely Response

2019-04-11

Dunbar, PA

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: On XXXX I was contacted by a Male who said he was from transworld system about a debt. I told him that I spoke to a lady yesterday or the day before and advised to stop calling me and that they can verify this debt via mail to the address on file. I told him this several times and he continuously talked over me and basically was arguing with me about it. I continuously told him to stop calling me, send this in the mail, or I will file a complaint. I have no idea if this call is truly from who they say they are or if someone is trying obtain information.
Company Response: Closed with explanation

Timely Response

2019-04-11

Sylvania Township, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I recieved a bill from Transworld Systems for a bill that I am not responsible for. XXXX XXXX XXXX sent my account to collections when I had insurance coverage, I had two insurance companies that cover their services that they did not bill. Now this collection agency is sending me Bill 's because their client did not bill my insurance.
Company Response: Closed with explanation

Timely Response

2019-04-11

N Hollywood, CA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-04-10

Gallatin, TN

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-04-10

Garland, TX

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-04-09

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: On XX/XX/XXXX, I filed a complaint about Transworld Systems Inc attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a zero statement. Here is the problem. Transworld Systems Inc provided CFPB a different letter than they presented to me. They deleted the fourth paragraph from the letter that was sent to CFPB. See attachment. The statement that was provided by Transworld Systems Inc has a XXXX balance. But, the letter to CFPB states a balance. This collection was reported to my XXXX credit report in error, and XXXX has refused to delete the collection. Based on the provided statement from XXXXD XXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, contractual insurance allowance, and allowance provided by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-09

Tarzana, CA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Today at XXXX I spoke with TSI. On the call I asked them not to record my call ( which I also asked them in writing before the call not to record ). At XXXX I received another call from TSI POST revocation of consent to be contacted. I have told this company SEVERAL times verbally and in writing via USPS Certfieid mail to STOP CALLING ME and to COMMUNICATE BY MAIL ONLY, they don't listen and they break the law under the fair debt collections practices act as well. Further, they did not give a mini mirranda. I have attached all proof including prior CFPB complaints. I want this harassment to stop and I want them to CONTACT MY REPRESENTATIVE TOMORROW XXXX XXXX XXXX XXXX. THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-09

Bohemia, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I refinanced my student loan through XXXX and they paid the full amount on XX/XX/XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX. The amount that was paid was XXXX, XXXX. XXXX dollars and had two different overpayments, one of XXXX and second XXXX. For the past 4 months, I am trying to get the refund of my overpayment return but I been getting no help regarding the information. In XXXX and XXXX, I called twice a week but no help. In XXXX I was able to get in touch with the supervisor and asked for information and she stated she will get back to be in 48 hours and had her phone number, I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and left messages and no answer or return of my call. On XXXX I learn that supervisor no longer works there and no one listens to the message or were able to locate my XXXX dollars. On that date, I also spoke with a new supervisor who also stated that he will go through proper channels to get my over-payment returned in 48 hours. I called back on XXXX, no update.
Company Response: Closed with explanation

Timely Response

2019-04-08

Wallington, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-08

New Orleans, LA

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-08

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Medical bill paid on XX/XX/XXXX, {$240.00} dollars owed to XXXX XXXX, XXXX and XXXX XXXX, XXXX, OK XXXX, USA. Debt was incurred out of Medical Services provided on XXXX XX/XX/XXXX and insurance company refused to pay it since they said I had moved from Oklahoma to XXXX and insurance did not cover overseas medical insurance charges. XXXX XXXX failed to notify me to my email address since they had the wrong email address and since I had moved overseas, address and all had changed. I did not get any notification of this debt until XX/XX/XXXX and I went ahead and paid it off by phone with my Credit Card -- NO ISSUES. But, XXXX still went ahead and reported me to a Debt Collection Agency : TRANS WORLD SYSTES, debt collection agency. THEY have been harassment me daily, calling my overseas telephone number non-stop using a ROBOT-CALLING system daily phone calls that are mid-night here in XXXX due to XXXX hours TIME DIFFERENCES. Number they call me from : XXXX, I have contacted their representatives time and time again without much success. They always assure me that it will STOP it never does. POC that company is XXXX XXXX XXXX XXXX ... .it is totally inappropriate to be continued harassment me like that even though I already paid of the DEBT.
Company Response: Closed with explanation

Timely Response

2019-04-08

Ormond Beach, FL

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response