TRANSWORLD SYSTEMS INC
Consumer Complaints
There are over 4977 complaints on file for TRANSWORLD SYSTEMS INC. Dated between 2019-12-10 and 2014-12-12.
Complaints Page 40
2018-08-19
Phila, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-18
Chicago, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I received a letter on XX/XX/18 from : Transworld Systems Inc XXXX XXXX XXXX XXXX, OH XXXX XXXX ( alternate address XXXX XXXX XXXX XXXX, DE XXXX XXXX ) Stating that I have a past due account in the amount of {$50.00} with original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The account # given is XXXX.
I have not done business with XXXX to my knowledge and never received any communication from XXXX prior to receipt of this notice from Transworld. This is obviously a false claim although I am unsure of the source.
XXXX XXXX
Company Response: Closed with explanation
2018-08-17
New Rochelle, NY
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-08-16
MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: On XX/XX/XXXX I had a medical bill due to XXXX hospital failing to get insurance information at the time services were rendered. Moved out of state and did not receive notification of bill. Hospital than sent to collections. In XXXX I disputed this bill with that collections agency and it was removed from credit report. In XXXX of XXXX this bill was than added back onto my credit report and negatively re aged by XXXX. Disputed again with them to which they have no success and do not plan to age the account to the original date.
Company Response: Closed with explanation
2018-08-16
Lb, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: this company " TRANSWORLD SYSTEMS '' keeps calling and leaving robot voice messages on my answering machine saying they are attempting to collect a debt TEL:XXXX CASE # XXXX, the debt is not my debt, but they call every other day harassing me.
Company Response: Closed with explanation
2018-08-16
TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the contract I signed with them. I asked for documented proof, such as a contract with signature, for the alleged debt that they state is mine. I have received no proof as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the State of Texas. I have not received that either. It's been almost 2 months.
Company Response: Closed with explanation
2018-08-16
Phila, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-08-14
Oxford, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2018 Transworld System , Inc RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX, XXXX
Company Response: Closed with explanation
2018-08-14
Sherman Oaks, CA
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Company Response: Closed with explanation
2018-08-14
Effingham, KS
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I had a membership contract with XXXX XXXXXXXX, and before signing up with the sales person, I had mentioned that I had just gotten out of XXXX XXXX from previous injuries, so if anything were to happen, if I could cancel my membership on the spot. He said as long as I have a doctors note, I can cancel right away it without any hidden fees.
I had gotten injured not too long ago from my work, which my doctor had written a note saying that I can no longer box anymore. I went to cancel my membership but they still insist on charging me for another 2 months, as the lady told me just come in and watch at least because you cant cancel your membership right away. They even have on record for the times Ive clocked in, and Ive only been there about 7 times since XXXX due to my injury. They wouldnt pause my membership either as they said I had to pay {$10.00} every week if I did so.
Ive even filed a dispute with my bank, and they sided with me after I told them what was going on. The bank had refund me for the months they had charged me, but XXXX XXXX add the disputed amounts back to my bills saying that I owed them back. I called the payment collectors ( the number that was given to me if I had any questions regarding the bill ) and told them my situation. They said if it had gotten disputed, then it shouldve been resolved already and that I wouldnt have to worry about any debt collections, and that my contract shouldve been taken care of.
Now, I had just received a letter from Transworld Systems Inc., an attempt to collect a debt from a debt collector. Im not sure what to do at this point because I feel like Im being scammed by XXXX XXXX
Company Response: Closed with explanation
2018-08-13
Blackbird, DE
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: The account from a collection called TSI transworld system placed an account on my report that does not belong to me..i explained it to the representative and the credit reporting companies but the are very rude and wont remove it.
Company Response: Closed with explanation
2018-08-13
Evanston, IL
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-08-12
Kansas City, MO
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-08-12
Lewisville, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-08-11
Belle Center, MO
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-08-11
Brooklyn, NY
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: In early XX/XX/2018, I tried to log into my XXXX account to make a payment for the previous month and current months. To my surprise, I was unable to make payments online, so I phone XXXX to find out what the issue was -- there was no payment option listed on the website. This call occurred on XX/XX/2018. Upon calling XXXX, I was informed that because the XXXX website was down due to the construction of a pending new site, I would be unable to make a payment of any sort until the site was back up -- I was told that I could not make neither a phone payment nor an online payment until about XXXX. At that point, I asked the representative to note this conversation in the file because I did not want to be penalized for late fee/interest when I was unable to make a payment due to the XXXX site malfunction. The representative assured me that I would not be penalized and that he would make note of our conversation in the file.
To my surprise, when I created an account on the new site in early XX/XX/XXXX, I saw that the balance was about {$85.00} more than what I should be paying. I then called XXXX, only to spend XXXX and a half hours on the phone with a representative, and then her supervisor, discussing the reason for the extra {$85.00} plus fee. The supervisor informed me that he thinks this {$85.00} amount was added because I had not made previous payments. I explained to him that I tried to cure this in early XXXX but I could not because of the website malfunction. I also informed him that I called in to speak with a representative, who assured me that I would not be charged any late fees/interests for the time that the site was down.
Next, I asked the supervisor to read me the note that the XXXX representative wrote, which was that I " attempted to make payments '' during the month of XXXX. Despite this note, the supervisor still tried to recalculate the numbers to match up to the additional {$85.00} that I was being charged. I explained to him that even if the late fee/interest should be {$85.00} based on time alone, I am not responsible for paying it because I tried to cure the late payment a month earlier.
To make matters worse, there was a big cultural difference between the representatives and myself, which made this whole process very frustrating. To further explain this, the first representative continued to read me a script that was very insensitive and did not address my nuanced question. This continued until I told her that her answer was a terrible one and that she would be offended and/or upset if she were in my shoes and someone were to give her that same answershe did not disagree with this. I then requested a supervisor, who was more apologetic than the first representative, but who still was trying to justify the {$85.00} additional payment. At one point, the supervisor said to me, that while there is a note that indicates that I tried to make a payment in XXXX, the system does not indicate proof that I attempted to make a payment. I then explained to him that the system was down in XXXX, which resulted in my calling in to speak to a representative because I could not make a payment. I told him that there would be no transaction attempt documented on the website because there was not even a " make a payment '' button to begin such an attempt.
This sort of customer service is degrading. XXXX is now trying to charge daily interest rate/fees ( re late payments ), without having done so in the past, and they are expecting customers to do so without having been given notice of their new practice. They are also expecting customers to make such payments despite their system being disabled in XX/XX/2018. This is unacceptable and abusive. XXXX knows that borrowers do not want their credit negatively affected, so borrowers will pay the extra fees just to avoid a bad credit rating. Something needs to be done to rectify this malicious practice.
Surprisingly, the new site still malfunctions. For example, I tried to make a payment on the same day that I called in to report that my balance was incorrect ( XX/XX/2018 ). I was under the impression that I entered my bank information correctly and that the payment went through ; however, three days later ( on a Friday ), I received an email indicating that the payment was reversed because of the bank info. I then logged into my account to put in my bank information again, only to repeatedly get a prompting that indicated that the bank info that I was currently entering was already on file. This is an XXXX error. My entered bank info is correct. I used the same bank info that I had previously used on the old site. Their practices need to be fixed asap.
Company Response: Closed with explanation
2018-08-10
N San Juan, CA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Daily phone calls beginning in XX/XX/XXXX.
Mutiple phone calls a day starting in XX/XX/XXXX.
Receiving phone calls from the following numbers : XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX I eventually had to place 5 numbers on a 90 day block due to the increased frequency of calls each day. One number will also call, and a few hours later I will receive a call from a different number.
Company Response: Closed with explanation
2018-08-10
Grand View, ID
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2018-08-10
Euclid, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I run a small business and i signed for a merchant services for a period of 4yrs and we completed 4 yrs and i was on month to month for a period of 8 months. A representative from the company visited and said that he will give us new updated machine. ( i had already owned both the machines ). He switched one machine only, he said I own the other machine and signed a new lease.
He said this is a new lease and the old lease is terminated.
when i checked the monthly statements, the merchant services were taking ( withdrawing ) 2 different amounts. old lease amount of {$64.00} and new lease amount of {$130.00}. I called the company and the customer service people were very rude and was not helpful, they insisted that I have to pay both.
I had about 4 to 5 calls and I did not get any help. They did not even connect me to the manager or supervisor, when i requested them. I disconnected the machines and switched the company.
Later they requested the machines to be sent and i did send the machines.
I requested them to settle the issue with a suitable amount, they asked for {$6900.00}, which is beyond my reach.
Later i got a letter from a collection company for {$3900.00}. I replied this company and they stopped all the communication.
Now I have a call from another collection company called XXXX XXXX XXXX XXXX, a person named XXXX XXXX LEFT a message to be called back.
I request you to help me in this regard.
My business is very small and my income is also limited.
Company Response: Closed with explanation
2018-08-10
Fort Pierce, FL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: XXXX XXXX and XXXX got a judgement against me and I wasn't even invited to the hearing. Then they garnished my wages in XXXX. I was shocked and called them. They said I owed for a student loan and there was nothing I could do. So they garnished my wages for a while and then I got laid off. Then I got a job working for the XXXX via XXXX through XXXX XXXX XXXX and I didn't want my wages garnished again, and I was scared and ignorant and called them to do a payment plan of XXXX a month. Paid that for over a year. Then I realized that I could do an excemption as I was heal of household. Called XXXX XXXX XXXX and told them that I was going to file that, and that I was not authorizing them to take payments out of my bank account anymore. They said fine, but we'll get you when your daughter turns XXXX. I also asked them to provide me who the loan was originally from. They refused to do so. Then I got a notice from XXXX XXXX XXXX XXXX XXXX showing the loan interest I had paid for XXXX. Put the two together and realized that XXXX XXXX XXXX bought the loan from XXXX XXXX. I know of no loan that I ever had from XXXX XXXX.
Now the my daughter has turned XXXX, they are calling me again. I am starting a new job soon working for the government through a contracter. They are obtaining a Secret Security Clearance for me, and I'm scared that the fact that XXXX XXXX XXXX garnished my wages once, and may again with my new job, that I may not be able to get the Sec. Clearance, and then I will lose my job. Please HELP!
Company Response: Closed with explanation
2018-08-10
Ft Lauderdale, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: XX/XX/2017 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine.
As a previous victim of ID Theft on XX/XX/2017 I contacted the company reporting the account in writing and delivered by certified mail requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you.
I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.
I have received no response from Transworld System. It has been over ( 7 ) months from the date of my dispute which is over the 30 days time frame making this company out of compliance. Under advise, I wish to informed Transworld System that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Company Response: Closed with explanation
2018-08-09
Heber Springs, AR
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2018-08-09
Ridgewood, NJ
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-08-09
Washington, DC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2018-08-09
Dayton, OH
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