TRANSWORLD SYSTEMS INC

2019-02-20

North Las Vegas, NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!
Company Response: Closed with explanation

Timely Response

2019-02-20

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-20

PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have call from XX/XX/2019 and XX/XX/2019 that were made by transworld system Inc trying to collect a debt that is not for me but for the previous owner of my phone number. I have told them that he doesnt own this phone number any more but they are still calling me.
Company Response: Closed with explanation

Timely Response

2019-02-19

Mboro, TN

Written notification about debt

Debt collection: Private student loan debt

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

Timely Response

2019-02-19

Bedford, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: requested validation on basis of violation through cfbp and on XX/XX/, 2019 received packet that contained someone else information and accounts. Therefore I'm positive my confidential information was sent to someone else. My initial complaint Detailed and implied my concerns of HIPPA violation. To send wrong information and someone else at that is the icing on the cake. The 30 day window has passed for validation.
Company Response: Closed with explanation

Timely Response

2019-02-19

Medford, OR

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-02-18

Tarzana, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018, I rented a car from XXXX XXXX XXXX XXXX at XXXX airport, Florida. The man that worked with me didn't mention or offer toll road charge prior to my rental. It was my first time being in the state of Florida so I didn't know anything about toll road. Nothing in the paperwork that I signed that state about the toll fee charge. I received the car and drove out and got on the way to where I wanted to go. I saw a XXXX sticker on the inside of the windshield on the driver 's side. I just thought that it was good to use since nothing was mentioned during the paperwork. I drove the car for the total of 3 days. I returned it on XX/XX/2018. At that time, they didn't even mention or ask anything about the toll charge. Until 2-3 weeks later, I received mails stating that I have to pay the toll fees, which I had no clue that I need to pay for. XXXX XXXX XXXX XXXX charged my bank account by the amount they claimed that I owned them. My bank thought it was a fraud because I live in California and the payment was charge outside California, so they void my credit card as fraud, and is was the reason that XXXX XXXX XXXX XXXX is trying to reach me through XXXX XXXX XXXX to collect the money as debt. As a customer, I need to know what fee XXXX XXXX XXXX XXXX will charge me other than the car rental fee. I will not pay anything until I have the answer from XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-17

Lakeland, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-16

Carpolis, PA

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2019-02-15

Patterson, MD

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I filed a complaint and the company did not reply to the two accounts I am disputing. for account numbers XXXX there are two different TSI account numbers XXXX the amount is {$260.00} and for XXXX the amount is {$730.00}. The bill that I have from TSI is for {$970.00} and it appears my insurance paid part of the bill. My Co-Pay should have only been {$100.00}. The amounts they are trying to collect is incorrect. On my credit report under TSI the only bill thewy are showing is {$730.00} which is another incorrect amount.
Company Response: Closed with explanation

Timely Response

2019-02-15

Lynn, MA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-02-15

Frisco, TX

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-02-15

Stevenson, MD

Problem with a credit reporting company's investigation into an existing problem

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have made several attempts to have the following information removed from my my XXXX and XXXX reports ( due to the age, paid off status ) : Transworld systems # XXXX ( medical- XXXX XXXX XXXX XXXX bill ) reported to collections ( on XX/XX/2014 ) account by calling XXXX. I spoke with a representative who denied numerous times that they, 1. had the account and 2. reported it to the credit bureaus. I specifically asked numerous times ( on a recorded call ) to have the item removed and WHY I was making said request, to all request she kept trying to only " give me a letter saying it was paid in full. '' I AM well aware it was paid in FULL, I expressed that to her over and over. I again stated my request to have it removed due to age, per the credit reporting laws ( " The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history '' ) She again pretended to not understand my request. I then told her I would be making a complaint through this agency for a remedy of item removal. I asked to speak with a supervisor, none were willing to come to the phone! I am asking CFPB to assist me in having this item removed from my credit report due to age/history.
Company Response: Closed with explanation

Timely Response

2019-02-15

Garrett Park, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Hi, Back when I was a student in college in XXXX of XXXX, I had a sick day at work, and my manager demanded that i go to the doctor to get a doctors note for missing work that day. My job was at the XXXX XXXX XXXX and was considered a " work study '' position offered for students who needed to work 20+ hours a week because they were low income students and also had the opportunity to do school work and focus on studies at the same time. I went to the doctor paid my co-pay and that was it. I got my note, paid my dues and was on my way to not being fired for being sick. Unfortunately 2 years later I have a collection on my credit report from XXXX XXXX. As soon as i figure this out I pay my debt through the debt collection agency. I had gotten no notice and was completely unaware that there was even a {$160.00} bill attached to my name for this doctor 's visit. If i knew I had to pay that much money for this I would have never went to the doctor. I feel like i was taken advantage of as a young student by a XXXX. Now i have a collection on my credit report for {$160.00} that i did pay back in full, in early XXXX and it is still till this day negatively impacting my credit score and report. I just truly feel that I am not the only person this happens to, and it feels completely unfair and out of my control that this happened to me and is negatively impacting my life.
Company Response: Closed with explanation

Timely Response

2019-02-14

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I received an alert from my XXXX XXXX app about a medical bill in collections ( date of service XX/XX/XXXX ) with XXXX XXXX XXXX MD account : XXXX. I contacted my insurance ( XXXX XXXX XXXX ) because I know I was covered on the date of service. XXXX explained to me because XXXX XXXX XXXX wasnt my PCP it wasnt paid. I initiated a dispute with the respective credit bureaus and the debt collector. I also contacted XXXX. On XX/XX/XXXX I received a call from XXXX with XXXX asking me to grant permission to Transworld so they can further discuss my dispute. XXXX also alerted me that it is a NJ state law that I should not be billed due to the coverage plan I was under. I granted permission for the two parties to speak. XXXX spoke with Ms.XXXX from Transworld explaining to her I was covered by Horizon, I shouldnt be billed as per NJ state law. Ms.XXXX stated she would update the file and adjust it accordingly. I still havent reached a resolution and today is XX/XX/XXXX. Debt Collector : Transworld Systems INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Doctor Office/Creditor : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response: Closed with explanation

Timely Response

2019-02-14

Phoenix, AZ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX XXXX with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/2019, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. It has been over 21 since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Company Response: Closed with explanation

Timely Response

2019-02-14

TX

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: My two loans recently came out of forbearance. I made the first payment without incident and on time. The second month, I made the payments online using the same process, on XX/XX/XXXX. The payment cleared my account on the same date. As of today, XX/XX/XXXX, the payments are still showing as " Pending '' in the lender 's online portal. I've sent emails to the lender, who indicated they would " keep an eye on this ''. I then contacted the lender by telephone, who insisted that I needed to send them proof from my bank that the payment had cleared. Now I'm on the telephone, and I've been told by XXXX XXXX, the manager, that the technical team needs to look at this, and that it'll take until tomorrow. The payment will be late effective XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-14

Austin, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: Hi. I have a student loan ( XXXX ) that was recently transferred from XXXX to XXXX XXXX XXXX last year. I send my payments to them through XXXX Bill Pay ( electronic transfer ). I pay {$70.00} a month. On XX/XX/XXXX I received my paper statement in the mail that said I had not made a XXXX payment. I immediately contacted the company, as in fact, I had made the payment on XX/XX/XXXX through XXXX Bill Pay. After several calls and being bounced around by multiple people who claimed there was nothing they could do if it was not showing on my account ( and a representative who hung up on me ), I finally spoke with someone who said they could submit a ticket to accounting for review. I told them to place my account on hold while they investigated so I would not have to make payments in the interim. As you can imagine, I did not want to send money to a company who lost my money. At this time I also emailed them the Proof of Payment from my bank. I am attaching the proof of payment and complete email string of this communication. After not hearing back from the company, I called to follow up on XX/XX/XXXX. They told me there was no update and it was still under review. I again stated that I wanted everything noted on my file and that I did not want to be sent to collections/credit bureaus for a payment I had made. I then repeated that the understanding I have is that I will not be making payments until this is resolved. I also asked them to verify that the collection paper letter I had received was not meaning I was being sent to collections/credit bureaus. The woman told me they were unable to stop the paper letter, but I had nothing to worry about with credit bureaus/collections. On XX/XX/XXXX I was alerted that there was activity on my credit report by a monitoring service I have. I saw that it was from XXXX. I sent them an email immediately. They responded that it was still in review ( on attached email ). Today, XX/XX/XXXX I contacted them and XXXX again to find out what I can do about this. I need help. I made my payment on time. I made a subsequent payment of XXXX amounts due today because I can't keep holding on sending them payments and ruining my credit. This is unacceptable. I need help. I desperately need you to help me so this company does not mismanage my money and then destroy my credit that I've worked so hard to get. Please. Please. Please.
Company Response: Closed with explanation

Timely Response

2019-02-14

Chicago, IL

Incorrect information on your report

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

Account status incorrect
Complaint: I keep disputing a debt collection listed on my XXXX report. It shows that Trans World Systems collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included TWS. This account should be listed as included in bankruptcy and not a collection account. XXXX and XXXX both removed this account from my credit report. The only one that will not is XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-13

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

2019-02-13

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-13

OH

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I knew I fell behind on payments with XXXX XXXX XXXX ( XXXX ) and was having a hard time paying my monthly bill. In XXXX I spoke with someone at XXXX and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to XXXX. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with XXXX and asked if they could get my account out of default because I made a good faith payment. XXXX said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with XXXX. XXXX said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted XXXX again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and XXXX said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. OnXX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to XXXX. When I got back on the XXXX website my account once again said I owed {$0.00}. When I called XXXX and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from XXXX. I started getting phone calls from a collection agency in late XXXX Trans World Incorporated stating I owed the balance due on my loan ( {$51000.00} ). When I once again called XXXX they said my loan defaulted and that they no longer have the loan and that I would have to contact Trans World Incorporated.
Company Response: Closed with explanation

Timely Response

2019-02-13

Charlotte, NC

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

2019-02-12

Houston, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Company calls, usually from XXXX XXXX every day. Robocall tells me to call back, I call back, but they say I am not in their system, and I have to wait on hold to speak with a manger to be put on their do not call list. Every time, they tell me I will be added to a list, or taken off the list, but their robocaller continues the harassment. They still can not find any record of my number, and call every day.
Company Response: Closed with explanation

Timely Response

2019-02-12

Hiram, GA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response