TRANSWORLD SYSTEMS INC

2018-12-05

Wilmington, DE

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Transworld Systems Inc. is reporting that I have two open accounts in collections ( medically related ) on my credit reports with XXXX, XXXX, and XXXX. Account # XXXX {$600.00}, and Account # XXXX {$490.00} are both being reporting as negative items by Transworld Systems Inc . I sent certified mail to Transworld Systems Inc. ( on XX/XX/2018, XX/XX/2018, and XX/XX/2018 ) to validate the alleged debts by providing me with proof that I am indeed the party they are asking to pay the debt. I specifically requested the date of the alleged medical services, the name of the patients, and proof that there is some contractual obligation which is binding on me to pay these debts. Additionally, I requested any agreement which grants them the authority to collect on these alleged debts ( i.e proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, Sec 13402. ) as I have never conducted business with Transworld Systems Inc. As of XX/XX/2018, Transworld Systems Inc. hasn't provided me with any viable evidence ( bearing my signature ) to verify the alleged debts, nor have they provided me with any contractual obligation which is binding on me to pay these alleged debts. Transworld Systems Inc. has not verified or validated the alleged debts. I have never conducted any business with Transworld Systems Inc. I do not owe Transworld Systems Inc. any debts and formally request that these erroneous items be immediately removed from all of my credit reports.
Company Response: Closed with explanation

Timely Response

2018-12-05

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This credit card, was fraudulently used on my behalf with in XXXX XXXX, Co. I have never resided or was XXXX in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. After my annual income tax wages were garnished to pay the delinquent amount. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. I sent a letter to XXXX XXXX XXXX to have them investigate. They did not acknowledge my 3 attempts. I have written letter on the following days : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
Company Response: Closed with explanation

Timely Response

2018-12-04

Chula Vista, CA

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2018-12-04

Lansing, MI

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-12-04

Cheverly, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: For several months I have been attempting to retrieve a refund from XXXX XXXX XXXX ( XXXX ) for {$100.00} as a result of the final payment on my account ( on XX/XX/2018 ) being greater than the balance at the time. In XXXX I was told that the refund would be sent to me in 45-60 business days. Then on XX/XX/XXXX, after 60 working days had passed, I was told that the refund would not be sent to me but would rather be sent to the financial institution that refinanced the loan. After contacting the financial institution that refinanced the loan, I informed XXXX that they never received such a refund and XXXX responded on XX/XX/XXXX saying that a request would be sent to an account specialist to obtain a reference number or any information regarding the refund. 46 calendar days ( 30 working days ) later I have yet to receive any information regarding the refund. On XX/XX/XXXX I called XXXX to once again inquire about the refund and was told that the check just happened to be mailed that day and that I would receive the check by mail at my home address in 1-3 weeks but " definitely '' by 3 weeks ( though I was told that there was no reference/confirmation number for the check being mailed ). After 3 weeks ( on XX/XX/XXXX ) the check had still not yet arrived. After sending another email on XX/XX/XXXX saying that I never received the check I was told that XXXX had " sent a follow up request to ( their ) Accounting Department '' and will let me know once they have an update. It has now been 133 calendar days ( 91 working days ) since the last payment was made on my XXXX account and the difference between the last payment and remaining balance has still not been returned to me.
Company Response: Closed with explanation

Timely Response

2018-12-04

Fithian, IL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX, the loan servicing my Perkin 's Loan, withdrew funds for two accounts from my checking account while my account was in deferment. I called to explain that their mistake is causing me to have a financial hardship, which is contrary to the purpose of deferments, and they stated it would take 45-60 days to return funds to my account. I found that to be completely unreasonable. I requested the assistance of a supervisor who then told me he could get it to accounting but it could take up to 3 weeks, even if it is expedited. I was not happy with that, nor do I find their practice to be feasible given the fact the mistake was on their part. I called a week later and they still have not reviewed my account. I feel someone needs to look into why they are not able to reverse payments when they make a mistake with in the standard 3-5 business days.
Company Response: Closed with explanation

Timely Response

2018-12-03

Altadena, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-11-30

Finksburg, MD

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: Transworld Systems continues to call us on a medical debt that the source hospital says does not exist. We have been demanding a validation of this debt for three years and have HAVE NOT received any validation yet the company continues to call us even while admitting to us that the account is in dispute. The process is always circular, the calls are non stop, and we cant get any validation or resolution regardless of what we do or say so we need intervention. Thanks.
Company Response: Closed with explanation

Timely Response

2018-11-29

Hudson, NC

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: This collection agency keeps calling all day long and later hours at nights too. I have told them that this is not my debt and to not back anymore in the future, but they still keep calling.
Company Response: Closed with explanation

Timely Response

2018-11-29

Bel Alton, MD

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I had XXXX XXXX XXXX. As a result of these medical bills and my inability to pay them ( while trying to prevent the spread of the XXXX ), I was unable to pay the portion not covered by my health insurance. This ultimately went into collections with TransWorld Systems , Inc. I was contacted by TransWorld Systems in XX/XX/XXXX/XX/XX/2018 and made financial arrangements to pay $ XXXX/month ( which has been paid as agreed through automatic debit ). I was told by the agent setting up the arrangement that as long as this was paid as agreed, there would be no further reports to the credit bureaus. All was fine until XX/XX/XXXX when I received a credit monitoring alert that TransWorld had sent my info as a negative to the credit reporting agencies. When I contacted TransWorld, not only were they rude and told me I should have paid my bills on time and it wouldnt have gone to collections, but they also gave me the run-around and said they did not report this and that I needed to contact the hospital ( XXXX Hospital Center ). After numerous run-arounds with both entities, I ultimately contacted TransWorld again and they said it was indeed them that had reported it. I asked why and why now because everything had been fine since XX/XX/XXXX/XX/XX/2018. They had no explanation. In addition, Id received a collection call from TransWorld on XX/XX/XXXX. I asked why was I receiving this call when arrangements were already made? After looking again at their records, they verified that arrangements were made but that the call was a clerical error and that I was fine and nothing further needed to be done on my part because my pre-arranged information/payment plan was in the system. As a consumer and someone dealing with a health issue, I have rights that this collections agency doesnt seem to care about. They have the upper-hand with consumers and this is wrong. I made arrangements and have been paying as I agreed but yet they still report me and ruin my credit that I have worked hard to build. I can not help that I had a health crisis. I could understand if I hadnt or havent been paying as agreed but I have and they dont care about me, all they care about is getting their money. As a resolution, I will pay my debt ( that isnt the issue at all ), I just want the negative impact removed from my credit. It is my understanding that the collections agency has the ability to do this. I was given the wrong information by them ( that if I paid it would not be negatively reported ) and I want them to live up to what they said. They keep deducting money out of my account ( XX/XX/XXXX was another payment ) but still report me. Is this legal that collection agencies can give you false information ( lie ) to get this debt paid? It would appear the answer to this is yes from my situation. Below is the account information for both TransWorld and XXXX Hospital Center. I am awaiting a letter from them stating the arrangements Id made and that Ive paid consistently and on-time since those arrangements were set up. I will send that upon receipt. TransWorld Systems Inc : Account # XXXX ( three files have been combined ) ; total debt {$1800.00} XXXX Hospital Center account numbers : XXXX XXXX XXXX Thank you for your help to bring consumers justice.
Company Response: Closed with explanation

Timely Response

2018-11-29

Windham, CT

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-11-28

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-11-28

Bolling Afb, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-11-28

Manchester Village, VT

Communication tactics

Debt collection: Medical debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2018-11-27

Milwaukee, WI

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-11-26

Dayton, OH

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-11-26

Bel Nor, MO

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-11-26

Fort Stockton, TX

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-11-26

Montevallo, AL

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

2018-11-25

Grand Junction, CO

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX XXXX under this company : XXXX XXXX XXXX, WI I have an award for serving with XXXX. Since XX/XX/2018, which is when the company changed websites, I've been trying to make payments with XXXX XXXX. I knew that my payments usually took a month to be deposited, so I waited. No payments have shown up. On my XXXX account, it says that it has been taken out and the trust officer opened my payment. I attempted contacting them via e-mail. They responded on XX/XX/2018. This was the response I received : Dear XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. The {$120.00} payment made through XXXX is not reflecting on your account. Do you have any proof of transaction or any documentation so we can conduct a payment research? If you have any questions, please contact our office at XXXX. Representatives are available during the week from XXXX XXXX to XXXX XXXX CST. Thank you! Description : Description : XXXX XXXX XXXX | Customer Service Representative XXXX XXXX XXXX, XXXX XXXX XXXX I responded with the following ( the same day he sent me the e-mail ) : I have attached the screenshot of the payment. I have made another payment on top of that one that I sent out yesterday. No action needs to be taken yet for that one but I wanted to give a heads up it is on its way. Thanks so much! XXXX XXXX ( Screenshot of this conversation and of my XXXX account is attached. )
Company Response: Closed with explanation

Timely Response

2018-11-24

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-11-22

Bayway, NJ

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Seized or attempted to seize your property
Complaint: XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XXXX of XXXX. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XXXX of XXXX. Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX as of yet.
Company Response: Closed with explanation

Timely Response

2018-11-20

Ashville, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-11-20

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-11-20

Tarzana, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Received a letter XX/XX/2018 from a debt collector on behalf I guess XXXX XXXX XXXX XXXX. I guess the debt collector is TransWorld Systems Inc. First time received about a debt costing {$330.00}. I have been reporting fraud to my bank services XXXX XXXX and XXXX XXXX about fraudulent claims. Unaware about XXXX services costing {$330.00}. This statement or charge, Im claiming is fraud or possible fraudulent claim as well.
Company Response: Closed with explanation

Timely Response