TRANSWORLD SYSTEMS INC

2018-09-12

Jacksonville, FL

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

2018-09-12

Burns Township, MN

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-09-12

Moapa, NV

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: TRANSWORLD SYSTEMS has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. XXXX claim that have received validation from t he creditor and have kept this derogatory remark on my report despite my multiple letters to them as well. PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Both TRANSWORLD SYSTEMS & XXXX are in both violations of the 1996 Hippa Act, The law clearly states they must provided Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Proof that you are registered to transact business and/or collect in my state. Proof of your authorization by law for your collection of information. Evidence of whether this debt was assigned or sold to : TRANSWORLD SYSTEMS PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested. Any Evidence of Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding. ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM. Having Any Of My Medical Information Is A Violation Of Hippa Law. Legal Action Will Proceed. Collection Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records.
Company Response: Closed with explanation

Timely Response

2018-09-11

E Town, KY

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-09-11

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-09-11

Blackbird, DE

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: In XX/XX/XXXX, I started as a first-year XXXX XXXX. I attempted to get my loan deferred since I was enrolled XXXX. I called my loan servicer, XXXX XXXX XXXX, and asked them how to obtain a deference on the loans. They told me that in order to obtain a deference I needed to prove proof that I was enrolled in an educational program XXXX. I sent them, via email, an enrollment verification form, signed and sealed, from the school. After I sent them the form, I received an email confirmation that the form would be processed and that I would be contacted again via email once the information was processed. A month after sending the requested information, I received a letter stating that my loans were sent to collection for failure to pay. I immediately called the loan servicer and was told that there had been a glitch on their end and that they would work to fix the problem. A few weeks later my co-signer and I began to receive numerous calls and letters from a collection agency seeking payment on the student loans. I explained to the collection agency that I was a XXXX XXXX and that the loans should have been deferred back in XXXX. I again contacted the loan servicer who told me that they had no record of my previous phone call and that they were unsure as to why the loan had not been placed into deferment. It took an additional month for the company to correctly process the paperwork and place the loans into deferment. During that time I received harassing phone calls from the collection agency and various negative impacts on my credit score, dropping from XXXX to XXXX. On XX/XX/XXXX, in order to avoid the same situation from the previous year with the loan servicer, I sent the enrollment verification prior to the school year starting. In XX/XX/XXXX I received an email stating that the loans were 30 days past due. I called the loan servicer and was told that my account manager would look into the problem and email me back within a few days. Another few weeks passed with no contact from the service but during this time I began to receive phone calls informing me that the account was now 60 days past due. I called the servicer again to check the status of the deferment and again was told that someone would correct the problem and email me back. During this time the loans continued to accrue interest and late payments. At the end of XXXX, I called back again to check the status of the deferment after receiving a phone call from the servicer looking for payments on the loans. I told the agent that as a XXXX XXXX I qualified for a deferment and had applied for one at the end of XXXX and have yet to hear anything about whether it had been processed or if there were any issues with it. He informed me that he would mark my issue as urgent and have someone look into immediately and that I should expect an update phone call within a few days. On XX/XX/XXXX after two weeks with no email or phone call from the company, I called looking for information about the deferment and an explanation for the repeated issues I was having with the company. After speaking with the customer service representative, who could not help me, I was transferred over to a supervisor. I proceeded to explain the situation to him and how the entire process had been a nightmare and how the company was causing me a lot of economic and psychological stress. The supervisor explained to me that when I had sent in the enrollment verification in XXXX I had done so too early so they could not process the deferment request. I questioned him as to why I had not been told that three months ago when I called in reference to loans and obtaining deferment originally, he had no answer. He then personally promised that he would rectify the situation and the adverse effect on my credit score by the following Friday. That Friday I received no phone call from the company. That following Monday I called the company and again I was told that they would look into my issue and mark it as urgent. This is now the sixth time that I have had to call the company in regards to obtaining a deferment.
Company Response: Closed with explanation

Timely Response

2018-09-10

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-10

PA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Complaint: Several months ago, I was deluged with phone calls from a company called XXXX as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified XXXX as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from XXXX representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
Company Response: Closed with explanation

Timely Response

2018-09-10

Hampton, VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and Transworld Systems Inc. Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for XXXX XXXX. I refused, I don't own them anything the bill The Transworld System Inc. treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the XXXX XXXX XXXX XXXX XXXX. U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-09-10

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Dear : Consumer Financial Protection Bureau. I receive a collection letter from Transworld Systems Inc. for XXXX XXXX this is a phantom bill, malice and retaliation from XXXX because they couldnt get the fraud money that they demand, and its a wrongful collection. I paid my bill in timely manner and paid as agreed. XXXX using consumer credit report and collection agency to hold me as hostage for extortion and ransom for their greed and profits. There are two items that XXXX present to XXXX for their defending that I dont have or know anything about it. The statement XXXX send to XXXX is what XXXX created after I filed a complaint against them for fraud for profits. 1- I did not have any record of statement or debit amount withdraw or credit in the amount of {$79.00} from XX/XX/XXXX to XX/XX/XXXX. There is no record within my XXXX checking account or credit card account for the payment of {$79.00}. In addition to, in XXXX/XX/XX/XXXX XXXX claimed to give me a credit for {$140.00} is false, because, that same amount was adding back onto the following bill. XXXX can create any billing statement to send to XXXX and your office, I can only present to you what I got from them and my bank. 2- The amount of {$140.00} check # XXXX was paid and clear and was never return or cancel, and XXXX letter confirm its date XX/XX/XXXX, and prior to that too. In addition to, I send to Ms. XXXX my XXXX bank statement as she requested more than one, still no billing correction or justify the amount above, is was paid and paid. ( Attach copies document and letters ). You could check with my XXXXXXXX XXXX and XXXX XXXX for my paying bill habit, for almost a decade I have no late charge or insufficient fund in all my accounts. I paid my bill in timely manner and paid as agreed, and I dont want to be a victim of this type of fraud and retaliation from XXXX because of greed. This collection isnt necessary, I has requested many times for the correct billing statement of {$240.00} minus {$140.00} but all I get was ignored, denied, and silence. I have no problem paying my bill when XXXX sent me the correct billing statement I will send them the remain payment. No collection needed. Thank you for your understanding. Sincerely, XXXX XXXX PS : Attach are copy/paste from my XXXX account paid in full, and more in hard copy. XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX {$160.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX??? {$280.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXX Check CHECK # XXXX ( view ) {$140.00} XX/XX/XXXX XX/XX/XXXX Sale XXXX XXXX {$140.00}
Company Response: Closed with explanation

Timely Response

2018-09-10

Phoenix, AZ

False statements or representation

Debt collection: Medical debt

Impersonated attorney, law enforcement, or government official
Complaint: My information has been sold to a third company which turns out to be a fraud law office " XXXX XXXX XXXX XXXX " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.
Company Response: Closed with explanation

Timely Response

2018-09-10

FL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I attended the University of XXXX Florida from XX/XX/XXXX-XX/XX/XXXX. During that time, I had a small loan. I previously paid my loan payments to a company called XXXX. XXXX is now being called XXXX. My payments are due on the XX/XX/XXXX of each month. Each month I log onto XXXX 's website and make my payment. On XX/XX/2018, I logged onto XXXX 's website and made my XX/XX/2018 payment. I received a confirmation email from XXXX with the following confirmation number : XXXX. On XX/XX/2018, I noticed the payment had not drafted from my bank account so I attempted to login to the website. The website no longer recognized my logins, nor did it recognize my SSN any longer. I attempted to call Conduent during the business hours stated on their website, which are listed as M-F XXXX XXXX until XXXX XXXX EST. Although I called during normal business hours ( XXXX XXXX EST ), I was unable to reach a representative. The phone message said the company 's business hours are only until XXXX XXXX EST despite what the published hours indicate. On XX/XX/2018, I called the company. I received a message advising me I was being transferred to a representative each time I entered my SSN into the phone system to access my account, but upon being transferred I would receive a message that the number I was transferred to was no longer in service. I finally decided to call the collections department, which was the only number that seemed to work. I spoke with XXXX in Collections at XXXX. XXXX stated she was unable to find my loan and transferred me to another department. I then spoke with XXXX. XXXX stated she was only able to find a loan for an old paid in full account. XXXX transferred me back to XXXX. XXXX conducted research and again stated that she could not locate any records regarding my loan. I read her the confirmation email I received, and she confirmed it came from them but noted there were no records of the loan in their system. XXXX then transferred me to XXXX. XXXX informed me that my loan was transferred on XX/XX/2018 to a company called XXXX. According to XXXX, I would need to call XXXX for information on my loan. I asked XXXX about the payment that I made prior to the transfer, which was received by XXXX based on the email. XXXX said XXXX would not have processed the payment since the loan was transferring. I never received ANY notification from XXXX that they were rejecting/not processing my payment. I called XXXX after speaking with XXXX. I spoke with XXXX at XXXX. XXXX confirmed that my loan transferred to their company, however he said that they have no way of seeing anything about the loan or accepting any payments because I am not in their system yet. I repeatedly asked who and how I was supposed to pay given that Conduent no longer holds my loan and UAS doesn't have me in their system yet. XXXX said I will not be able to make a payment until XX/XX/2018 or later because I will not be in their system until sometime after that date. I asked how to get a payment to them now, noting I am now late on my payment because they did not apply the payment sent to XXXX. XXXX said the only way to make a payment is to mail a check, but he noted it would not be applied because there isn't an account to apply it to. I asked how they would know what account to apply the check to if I don't even have an account yet and I'm not in the system. XXXX stated to just " put your name '' on the check. At this time, I paid my student loan timely yet I am now in default because neither lender can and/or will process the payment. It is unacceptable that XXXX did not notify me that it was rejecting the payment after it received the payment. It is unacceptable that XXXX has my loan but does not have me in their system so I can not make a payment to them until weeks AFTER my payment due date. It is unacceptable that I am now in default due to this situation.
Company Response: Closed with explanation

Timely Response

2018-09-09

Discovery Bay, CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I started receiving harassing calls from this number about 6 months ago. When I finally decided to try and talk to the person on the phone they told me I had a debt in collection is excess of {$500.00}. I have medical insurance and have not had any major medical costs so that number seemed unlikely even if I had missed a bill. After arguing with the person on the phone for about 20 minutes, they said there had been a mistake on my account and they were billing me twice, so my debt was actually only half of the original amount so if Id like to pay now that would be great. My radar went way up- scam? I asked for more information on the origin of the debt and the information they gave me was useless- I couldnt get enough information to call the doctors office and confirm that I had indeed missed the payment. The next time the callled I asked for a paper document itemizing the debt. They sent me a letter with no real information on it- original debt? Interest charged? Creditor name? On the letter they gave me a website I could go to and pay my debt. When I try to log in, given the log in information that gave me, it says that my account could not be located. So now, Im sure I am accruing more interest because I will not give my cc over the phone and I can not log in to the portal provided. I still can to figure out the doctors office that it is coming from either.
Company Response: Closed with explanation

Timely Response

2018-09-08

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-08

Gary, IN

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present? I have proof of payments, so my balance should be much lower. I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
Company Response: Closed with explanation

Timely Response

2018-09-07

E Saint Louis, IL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was result of identity theft
Complaint: The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.
Company Response: Closed with explanation

Timely Response

2018-09-07

Gloucester City, NJ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: They are calling for the previous owner of the phone number. I do not know who he is and the debit is not mine. I've been asking them to stop calling for TWO YEARS and they robocall me EVERY SINGLE day M-F. This number now belongs to a business, not a person. Transworld Systems Incorporated calling from : XXXX XXXX XXXX XXXX asking for a return call to XXXX with a reference number of XXXX
Company Response: Closed with explanation

Timely Response

2018-09-07

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-09-07

Gretna, LA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: In XXXX or XXXX I was given the option to settle the loan for XXXX which I started to make payments toward and I thought this debt was fulfilled. During this process the lawyer was very at one point he tried to recant on the settlement.
Company Response: Closed with explanation

Timely Response

2018-09-07

Fort Worth, TX

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.
Company Response: Closed with explanation

Timely Response

2018-09-06

N Chesterfld, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-09-06

Augusta, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: My husband and I were seen and treated separately on XX/XX/2018, at XXXX. We each paid a {$50.00} co-pay. We were told that our insurance was accepted. We later received bills stating that {$65.00}, was left remaining on our bills. The total bill for our visit was {$110.00} each. When I received the statement, I called XXXX and explained that we were told our Insurance was accepted there. She said it is accepted, but that is not a guarantee that our insurance will pay. I asked her if they would reduce the bill to a self-pay amount. She said no. I intended to contact my insurance company to dispute. However, it was put off. On the evening of XX/XX/XXXX, I received a letter, dated Saturday, XX/XX/XXXX, stating if full payment of the overdue amount is not received by the due date, ( there was not a due date on the letter ), we will have no alternative but to turn your account over for collection. I paid both of our bills in full on XX/XX/2018. On XX/XX/XXXX, I also received an email with my statement attached that stated the account will be referred to collections within 10 business days if payment is not received. I have been contacted by Transworld Systems, Incorporated. They claimed that my husband and I owe them {$97.00} each. I explained to them that I had paid the bill in full on XX/XX/2018. They now say I owe {$32.00}. XXXX paid the {$65.00} to Transworld on each of our accounts on XX/XX/XXXX 7, 2018. I have explained that the bill was paid prior to it being turned over to collections. They have acknowledged that it was turned over on XX/XX/2018, but they insist that XXXX says we owe the fee for collections, regardless that it was paid prior to it being turned over to their office.
Company Response: Closed with explanation

Timely Response

2018-09-05

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-05

Bloomington, MN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I checked my credit and XX/XX/2018 and show was a collections under Transworld System INC XXXX, I never get any notification from this debt ever, I called and they claim account was for XXXX XXXX a bill I never know I owe, a contract claim an expense, I immediately paid explain since I never get any notification they offer remove from my credit, but still show. I mailed a letter requesting a remove but never answered
Company Response: Closed with explanation

Timely Response

2018-09-05

Carmel, CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: Hello Sir, Mam! I will be so much thankful if you can help me to solve this problem with XXXX XXXX. Starting on XX/XX/XXXX ; I started inform them that if there is any changing in copayment for my medication not to send it anymore, but they ignore my messages and on XXXX they sent me a medication with higher copayments, and directly even not opened it I delivered it back to them. So they still asking me to pay the credit of {$120.00}, below you can see my messages to them : 1 ) XX/XX/XXXX Good Morning Please be informed that if there is any changing in co-payment so I dont need it So dont send any medication without my approval Regards XXXX XXXX 2 ) Hello customer service Please be informed that the medication sent to me on XX/XX/XXXX ( XXXX XXXX XXXX ) was sent back as unopened to the sender in XXXX XXXX in IL I receive it So please cancel the co-payment of a {$120.00} Thank you Respectfully XXXX, XXXX 3 ) Good Day Please be informed that I refused to receive the medication which was sent by your dealer and it was delivered back to them directly so I am not going to pay for a medication that I didn't receive it Appreciate your business Thank you Respectfully XXXX XXXX JXX/XX/XXXX 4 ) Good Day customer service First of all I would like to thank you for your good service, then, concerning the amount of XXXX that I have to pay for none received medication. If you want me to do so send me again the medication XXXX XXXX XXXX. 90 Tab then I am ready to pay that amount PS. Please notice how many times I contacted the customer service asking them not to send the medication if there are any changes in co-payments. But they Ignore my messages and they sent it. Directly I sent it back not opened as I received it So please find a solution to this case Warm regards XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response