TRANSWORLD SYSTEMS INC

2019-02-12

Lincoln, NE

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-11

Houston, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-02-11

Detroit, MI

Getting a loan

Student loan: Private student loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2019-02-11

Liverpool, TX

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I was balance billed for a medical bill and was told that all prices would be for in-network pricing. Date opened was XX/XX/XXXX and was reported on XX/XX/XXXX. I settled the price with the medical office and they still sent my information to collections. The name of the debt collection office is Transworld Systems.
Company Response: Closed with explanation

Timely Response

2019-02-08

Clarksville, MO

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX I had a XXXX at XXXX XXXX XXXX XXXX. I have been making payments on this account to XXXX directly. I currently owe {$150.00} from that date according to XXXX website. Today I was contacted by transworld systems to pay a balance from that date for that doctor of {$300.00}, which is the previous balance. They gave me a fake account number that doesnt remotely resemble any other XXXX account number Ive seen. They tried to say it was a different debt and then they tried to say it was a balance from XXXX. I look online at the XXXX portal and they say I owe {$150.00} from that day in question. I am livid because they are trying to extort money from me that I do not owe. I have asked them not to contact me again.
Company Response: Closed with explanation

Timely Response

2019-02-08

TX

Communication tactics

Debt collection: Medical debt

Used obscene, profane, or other abusive language
Complaint: I went to hospital on XX/XX/2017 and Never got treatment or advice and not even seen Doctor. I called Hospital and billing dept says we don't know about this bill for XXXX and told me I bill $ XXXX.I received letter from collection agency that I owed to hospital bill for doctor {$1000.00} I disputed to and spoke to XXXX and she did dispute as I told her. I called couple of months to collection agency the gentle men was very rude and he disrespect me. I dont know how the hospital or the collection agency charge me {$1000.00}. with out seeing doctor How they charge me doctor bill this looks fraud. No treatment not even any advice from hospital. Please solve my problem the collection agency reported to credit beauro and because of this fraud my credit score went down and showing negative on my credit report. Please solve my problem I will be appreciate.
Company Response: Closed with explanation

Timely Response

2019-02-08

Westfield Ctr, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract form of any accounts that you post on my credit report. I am requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed below the accounts that are still on my credit report that are not my accounts, and need to be removed promptly. Under FCRA unverifiable accounts must be removed. I have NEVER had any accounts opened at XXXX XXXX. This has lowered my Credit 17 Points and this is NOT my debt. This was not my bill and there was no proof given that it is. I have send multiple certified letters and this still remains on my credit. Please delete this off my account if you can not verify physical records, this is affecting my credit, Account XXXX XXXX XXXX XXXX Ohio Not my Account/Remove
Company Response: Closed with explanation

Timely Response

2019-02-07

Mc Farland, WI

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

2019-02-07

Blackbird, DE

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: The company, Transworld Systems. Also known as TSI continuously fail to properly validate a medical debt they say I owe. On XX/XX/2108, I requested a debt validation. They only sent me a print out of a bill, which included private medical information. They failed to send me a requested HIPPA release form with my signature on it authorizing XXXX XXXX to share my private medical information with them. Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit. They claim that the situation was resolved, but it wasn't. The debts are in the amount of {$1000.00}, {$500.00} and {$250.00}.
Company Response: Closed with explanation

Timely Response

2019-02-07

Friendship, NC

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
Company Response: Closed with explanation

Timely Response

2019-02-07

Palisades Park, NJ

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: I am a NJ XXXX account holder. Account # : XXXX My vehicle license plate number is : XXXX My account is current, and is enrolled in auto pay. For some reason my tag is not being read in NY, and I've accumulated 32 toll violations. I have no idea why my tag is not being read and why I keep getting violated and not recognized under NY XXXX tolls as a NJ XXXX client. Please refer all the outstanding tolls ( and subtract the violation amounts ) directly to my NJ XXXX account. I see no reason why I should be forced to having to pay toll violation fees in addition to actual toll value, as I am an XXXX account holder. If NY and NJ uses different XXXX facilities, they should be labeled accordingly and not be held under the same umbrella. Otherwise, I will be referring these toll violating methods to the Attorney General Office in each respective states, for predatory practices.
Company Response: Closed with explanation

Timely Response

2019-02-06

Mableton, GA

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

2019-02-06

Bohemia, NY

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
Company Response: Closed with explanation

Timely Response

2019-02-06

Rncho Domingz, CA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX, XXXX is charging for XXXX {$570.00} which are claiming that insurance didnt cover, XXXX never notify me the consumer when they did the XXXX how much I was going to pay, if insurance didnt cover costs, they send me a bill after the procedure.
Company Response: Closed with explanation

Timely Response

2019-02-06

NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX debt was paid in full to original creditor XX/XX/XXXX. I was told by original creditor debt would be removed within 30 days by TSI collection agency on two occasions by phone in XX/XX/XXXX and XX/XX/XXXX. Received collection notice debt paid in full with a XXXX balance from TSI transworld systems XX/XX/XXXX. Account is still reporting on all three credit reports after being told it would be removed in XX/XX/XXXX it is now XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-02-06

Tampa Palms, FL

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Complaint: I took out 4 student loans while attending the XXXX XXXX XXXX between XXXX. These loans were originally service through XXXX XXXX XXXX. I took out 2 loans XX/XX/XXXX and XX/XX/XXXX in which I defaulted on both. As of XX/XX/XXXX those two loans were no longer serviced through XXXX and when then sent to Transworld system. I was contacted by Transworld system around this time regarding my loans and was told that they were a debt collection company who would be now collecting payments for my loans. They stated that my loans were through XXXX XXXX XXXX and that it was important that I paid to avoid being sued. They also stated that interest would still be collected on my loan even though they were in collections. I stated to them that if they are in collections then there shouldn't be any interest and I was told by the representative that even though the private loans are in collection they are still subject to collect interest. I said okay and agreed to a XXXX monthly payment. When unable to make these payments I was threatened to be sued and taken to court. After looking at my loans carefully I see that my original lender was XXXX XXXX XXXX on my 2 loans that XXXX XXXX XXXX had. I realized that XXXX XXXX XXXX bought my loans from XXXX XXXX XXXX. I also see that XXXX XXXX XXXX has made headlines regarding falsifying documents and taking people to court with not the proper documentation. I also see that they have to pay back XXXX XXXX dollars and that they have to go through 800,000 student loan files and make sure that they have the proper documentation. I'm one of those students who would like to make sure that they have the correct documentation on me and that they were not collecting payments from me after the statute of limitations. Because I have been subject to their harassment of being sued and taken to court and this can be proven because when ever they would call in the representative would state that the call was being recorded. I would like proof that my loans originated from XXXX XXXX XXXX and were not bought. Because I have proof that they originated from XXXX XXXX XXXX. I also want proof that they collected debt from me within the statue of limitations for Michigan because at the time that is where I was living. I would also like proof from the pre-recorded calls that I was threatened to be sued for any nonpayments and breaking my agreement. I will also like to know why I'm now paying money to XXXX XXXX XXXX another debt collection company that has threatened to sue me once on behalf of XXXX XXXX XXXX. After seeing how XXXX XXXX XXXX has made headlines again I have now decided to seek legal counseling regarding what I have gone through with this company. I want what is right for me and I know that XXXX XXXX XXXX has violated many laws against me as well as others
Company Response: Closed with explanation

Timely Response

2019-02-05

Chicago, IL

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

2019-02-05

Galena, OH

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: In XX/XX/XXXX, I had an emergency medical in XXXX XXXX NV - away from home. I was treated in ER and was hospitalized. Numerous bills resulted from hospital, ambulance company, other doctors that treated me. I requested payment plans with most of them. I received an invoice from XXXX XXXX XXXX, XXXX mid XXXX. I entered into a payment plan with them for {$25.00} per month XX/XX/XXXX. I did not realize the would not deduct the {$25.00} per month automatically like the other arrangements I had made. On XX/XX/XXXX, I received one letter from Transworld Systems Inc a collections agency letting me know they were trying to collect a debt from XXXX XXXX XXXX. I checked my file for all of my medical bills from my XX/XX/XXXX hospitalization and had no such bills from that name. I received two calls in XXXX one on XX/XX/XXXX and another on XX/XX/XXXX, both made to my cell number and from an off shore collections agency from XXXX with a very thick accent saying he was trying to collection a debt from XXXX XXXX XXXX. He asked me to verify by SSN and date of birth both times and I refused since it was an off shore company and call and I could barely understand the caller I told him I was not comfortable verifying my DOB or SSN over the phone and on both calls asked for a letter to be sent to my home address so I could verify the debt. I got no such letter. On XX/XX/XXXX I got an alert that a derogatory account was added to my credit bureau impacting my credit rating and score. I called the number on the notice through the credit alert and I called it about a dozen times, it would connect me to a voice mail that was full. So, I was able to finally connect with Transworld Systems on XX/XX/XXXX. They said they would go back to the doctor billing office and explain the confusion with the different names of the billing and the collections notice and basically said there was nothing that could be done. As of today, I have paid the collections agency in full for {$250.00}. Now, I want to dispute the collections practices. There was an error on my part when I set up the payment plan in XXXX for {$25.00} a month. I thought they would take the money out every month and they didn't and since it was not paid they sent to collections. The name on the Collections notice was for XXXX XXXX XXXX but the name on the actual invoice from the Doctor that I made the payment plan with was XXXX XXXX XXXX, XXXX. I did not know that the collections agency debt was for XXXX because the collections notice said it was for XXXX. When the collections agency called me on XX/XX/XXXX and XX/XX/XXXX I would not verify my info and I asked for a letter via mail to verify the debt. Neither call resulted in a letter and therefore they did not allow me to verify the debt. Transworld Systerms Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Spoke with XXXX XXXX I spoke with Tranworld approx. 7-8 times to resolve this.
Company Response: Closed with explanation

Timely Response

2019-02-05

Crowley Lake, CA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Today I got a call from a debt collector TSI. The rep said it was on a recorded line despite me not giving consent and I asked what it is in regards to she told me and I asked to only correspond by mail with no more phone calls. She then asked me how I would like to take care of the matter and I said when I get the paperwork I will have a look at it. She said well the paperwork takes 7 to 10 days to get to you I need to know how youre going to take care of it before then and I said this is the 2nd time Im asking you to only correspond by mail. This is total harassment! She laughed and said youve been in collections for almost a year Im asking how you plan on paying for it I said this is the 3rd time Im asking to correspond only by mail. She said I know you are aware of this bill and I want to know how much youre going to pay today. I said this is now the 4th time Ive asked to end this call and correspond by mail only. She said youre in collections you owe {$1000.00} and I need to set up the payment today and I said for the 5th time i am asking to only correspond by mail on this matter She laughed again and said well we arent going anywhere I will end this call now and will call you again
Company Response: Closed with explanation

Timely Response

2019-02-02

Covington, GA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-02-02

Patterson, MD

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I requested information of the debt. The amounts shown on the information sent are different from what is being reported on my credit report. It also appears that my insurance company paid part of the two debts and with the new laws it should be removed from my credit report
Company Response: Closed with explanation

Timely Response

2019-01-31

Maclean, VA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-01-31

Bedford, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully
Company Response: Closed with explanation

Timely Response

2019-01-31

Gates, NY

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

2019-01-30

Written notification about debt

Debt collection: Other debt

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

Timely Response