TRANSWORLD SYSTEMS INC

2018-08-03

Bay Shore, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-02

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-02

Baltimore, MD

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-08-02

Gainesville, FL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-08-02

Worcester, MA

Written notification about debt

Debt collection: Auto debt

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

Timely Response

2018-08-02

CA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I was recently assigned the phone number ( XXXX ) XXXX and I am receiving recorded/automatic calls that are not intended for me. I have previously requested to have TSI ( Transworld Systems Inc. ) remove my phone number as I am not the person they are trying to contact. The recording says to call XXXX and ask for XXXX XXXX XXXX. The ID CODE / Reference # for the call is XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-02

FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Someone used my information at the hospital. They were told this. Police reports were filed as well as a FTC report.
Company Response: Closed with explanation

Timely Response

2018-08-01

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-01

Washington Green, CT

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Complaint: I am having an issue with XXXX ( XXXX XXXX XXXX ) over the handling of my Federal Perkins Loans. I have two loan amounts totaling {$5500.00} and another for {$4000.00}. In late XX/XX/XXXX I received notice from XXXX that the loan amount for {$5500.00} would start accruing interest and the first payment would need to be {$170.00} in XX/XX/XXXX. The loan payments would only be done quarterly. I started paying the loan in XX/XX/XXXX with no issue. A notice was sent to my family member at a former address of mine including information about the {$4000.00} loan in early XX/XX/XXXX and included information that the loan would start accruing interest in XX/XX/XXXX with a first payment date in XX/XX/XXXX for an amount of {$120.00}. XXXX claims that before any billing cycle, customers should expect to receive a statement in the mail or electronic correspondence 20 days prior to the billing date. I only received statements electronically regarding my XX/XX/XXXX payment for {$170.00} for my {$5500.00} loan. In XX/XX/XXXX, XXXX began sending me emails saying they would soon be moving their information and billing processes to a new website in XX/XX/XXXX. I received no other information from XXXX regarding the payment status of my {$4000.00} loan and continued to only make auto payments on the {$5500.00} which was due on XX/XX/XXXX. In mid XX/XX/XXXX, I received a statement from XXXX in the mail saying that I hadn't paid an amount of {$120.00} from the {$4000.00} loan that was supposed to be due on XX/XX/XXXX. I immediately went onto the XXXX website and noticed I had a balance due on the {$4000.00} loan for XX/XX/XXXX, but I wasn't sent prior notice before the bill date that the amount was due. I paid the amount of {$120.00}, payment was processed on the old XXXX website on XX/XX/XXXX and the payment came out of my bank account on XX/XX/XXXX officially. From XX/XX/XXXX XXXX was migrating their information for their old website to their new website. During the week of XX/XX/XXXX I began receiving credit alert updates that I had a delinquent account on my student loans and my credit score dropped nearly 50 points. I filed a formal complain with XXXX XXXX on XX/XX/XXXX after noticing that XXXX claimed I hadn't paid an amount of {$130.00} for the month of XX/XX/XXXX and the account was still past due. The only amount XXXX had informed me to pay was {$120.00} from the statement they sent me after XX/XX/XXXX. I called XXXX for the first time on XX/XX/XXXX to get information on the issue, on their website at the time my {$4000.00} loan claimed I owed over {$250.00} in payments for the month of XX/XX/XXXX and XX/XX/XXXX. I spoke to a representative and they told me they were still experiencing issues with their website and to call back later in the week to confirm any inaccuracies on the website regarding payment status would be corrected. XXXX new website doesn't include any prior statements or documents for my account over the past 8 months. There is no way of looking into old statements, even the ones that were sent to me prior to XX/XX/XXXX regarding my {$5500.00} loan. I called XXXX on XX/XX/XXXX since the website said I owed a balance of {$130.00} for the month of XX/XX/XXXX with a past due amount from XX/XX/XXXX of {$8.00}. I still hadn't received any word on why my credit report was still being impacted with an inaccurate amount that I owed ( {$130.00} ) and I was given any information on where the {$8.00} amount from XX/XX/XXXX had came from. The representative I spoke with said the only way to rectify the balance and clean my credit report was to file for forbearance on the amount of {$8.00}. I called XXXX again on XX/XX/XXXX to see if I could speak with a supervisor regarding the inaccuracy on their website saying I still owed a past amount due. Another representative told me about the forbearance option and said they would forward me to a supervisor. No one responded to request however, and I still haven't received an update from XXXX. The loan amount for the {$4000.00} loan was {$120.00} and XXXX is no saying I still owe {$8.00} to them but this money comes from a XX/XX/XXXX balance. On XXXX website the payment breakdown of my XX/XX/XXXX payment shows an {$8.00} fee which added together with the principal and interest equals an amount of {$120.00}. This other {$8.00} fee that is now added onto my payment amount for XX/XX/XXXX doesn't have any correspondence or notice to claim where it coming from. My credit report claims that this {$4000.00} monthly payment is supposed to be {$130.00} and that isn't what XXXX has even sent me a statement for. XXXX is impacting my credit report by claiming a delinquent account for an amount that isn't accurate for what they asked to paid monthly on the {$4000.00} loan. XXXX website also doesn't include any prior information regarding my loans ( statements, documents, etc ) which makes it impossible to find a paper trail for their claims that I still have an outstanding balance on a loan from XX/XX/XXXX. This is inaccurate since this loan didn't start taking payments till XX/XX/XXXX, and even then XXXX didn't communicate with me through email correspondence or through the mail that the {$4000.00} loan would be taking payment 20 days prior to the due date. My credit report also shows no delinquency for the month of XX/XX/XXXX on the {$4000.00} loan for any amount, so I am confused to why I would suddenly have an outstanding balance of {$8.00} from XX/XX/XXXX. XXXX has been unresponsive and unwilling to send me any documents, statements, or other correspondence over the alleged {$8.00} past due balance from XX/XX/XXXX on the {$4000.00}.
Company Response: Closed with explanation

Timely Response

2018-08-01

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: This Collection agency ( Transworld Systems Inc/TSI ) is relentless and very unethical. TSI provided a very old ( " 2005 '' ) copy of a loan that was signed and date before I filed Bankruptcy and they are relying on a paragraph ( Section 12 ) of the old document instead of adhering to the Court Ordered/Discharged Bankruptcy document that was provided to them. The old 2005 Loan agreement is MOOT after it has been included in the Bankruptcy and discharged. As stated to Ms. XXXX XXXX of TSI " If a consumer can prove hardship while filing Bankruptcy ; Private Loans that are included in the Bankruptcy can be discharged and XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX ( XXXX ) were both included in the Bankruptcy and Discharged one of the loans were even a " ChargeOff ''. However, they have an Attorney by the name of Mr. XXXX XXXX who is a " Personal Injury '' Attorney handling the XXXX XXXX XXXX ( XXXX ) loans. Because of the very shady business practices of TSI and constant violation ( s ) of the Federal Consumer Laws and the Bankruptcy Federal Court order, this agency, investor of the loan ( s ), etc. needs to be investigated, that is obviously audit, and sued. I do believe that I am not the only consumer that is being bullied by their antics.
Company Response: Closed with explanation

Timely Response

2018-08-01

Appleton, ID

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-07-31

Portland, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have received 2 notices from Transworld Systems Inc. for debt collection in behalf of XXXX XXXX XXXX in the amount of {$270.00}. I have never done any business with XXXX XXXX XXXX, nor have I ever received a bill from them. I have written TSI that this debt is not mine, but they continue to send notices. I would like them to cease and desist.
Company Response: Closed with explanation

Timely Response

2018-07-31

Hinsdale, IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This company has been calling me for the past XXXX months. I've tried to get them to stop but they continue to leave me messages. This is an office phone number and they do not seem to understand that I am not the person they are looking for.
Company Response: Closed with explanation

Timely Response

2018-07-31

Washington Green, CT

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
Complaint: I have been disputing a bill from XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX. The dispute keeps coming back as a valid bill. I went to XXXX XXXX XXXX hospital back in XXXX and was treated for a XXXX XXXX. I was not having a XXXX XXXX I told the physician on duty that I believe I pulled a XXXX in XXXX XXXX. They held me there for 12 hrs and treated me for a XXXX XXXX. But when was released I was given a prescription for XXXX XXXX that was never noted in the hospital notes. I disputed this bill with XXXX XXXX XXXX and they did drop their portion of the bill. I have been in dispute since XX/XX/XXXX with XXXX XXXX XXXX XXXX which is now in a debt collector 's hands Transworld Systems. I contacted Transworld today and the bill is for {$1400.00}. They said the best they could do is settle for a {$1000.00}. I do not feel I should have to pay this because XXXX XXXX 's agreed to drop their portion. I've been trying to get this removed from my credit reports. It keeps going in and out of dispute and Transworld said they could not help me. I am XXXX. My wife does not work so she can take care of me. I feel I'm being taken advantage of the system. All I want is this removed from all 3 of my credit reports. I am ready to get an attorney so I know what my rights are. I have had enough. I spent over 1 and a half hours on the phone today with Transworld XX/XX/XXXX and got no where. I need to know what my rights are.
Company Response: Closed with explanation

Timely Response

2018-07-30

Bee Spring, KY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-30

Nyc, NY

Written notification about debt

Debt collection: Private student loan debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I submitted a debt verification letter to TSI in response to their collections credit reporting of private student loans owned by XXXX. This letter asked for full verification of debt including but not limited to documents showing chain of custody and TSI 's right to collect on the debt. TSI replied back with a packet postmarked XX/XX/XXXX with information showing a loan/request credit agreement -signature page, note disclosure statement and loan payment history for loans taken out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TSI provided no information showing they had the legal right to collect on the debt by providing chain of custody paperwork showing transfer of custody from the original creditor XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) to XXXX XXXX XXXX, and from XXXX to XXXX XXXX XXXX. The CFPB settlement with TSI specifically states that TSI " Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. ''
Company Response: Closed with explanation

Timely Response

2018-07-30

Oxford, GA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Complaint: I was not aware of this student loan company I only had loans with the department of education and XXXX and XXXX and have never heard from this company in XX/XX/XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX XXXX that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XX/XX/XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX and XXXX. They garnished my wages in XX/XX/XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XXXX of XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XX/XX/XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.
Company Response: Closed with explanation

Timely Response

2018-07-30

Los Indios, TX

Written notification about debt

Debt collection: Private student loan debt

Didn't receive enough information to verify debt
Complaint: I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
Company Response: Closed with explanation

Timely Response

2018-07-30

Cave Spring, KY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-07-28

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I recived a debit warning from Transworld Systens informing I own a debit to XXXX XXXX XXXX XXXX - Second, amont US {$1700.00}. I never rented a car in this company, they spell my last nome wrong. There wans't another informations as a invoice, date, or anyelse infomation that could make this debit real. I saw a lot of reviews about this colector company send fake bills. I'm not a american resident, I'm a tourist who come twice a year to spend vacations. The attempt to collect a debit was mail to my vacation home. I'm attached the attempt collect debit. I dont know what to do. I apreciate some instrution about what to do. Regards XXXX
Company Response: Closed with explanation

Timely Response

2018-07-28

Philadelphia, PA

Incorrect information on your report

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

Information belongs to someone else
Complaint: A derogatory report is shown on my report. I filed a dispute through XXXX and received notice of investigation 's results. Transworld System Inc. verified this account as mine and that result is completely false. Transworld represents XXXX rent a car which asserts I opened an account on XX/XX/2016 and owe {$510.00}
Company Response: Closed with explanation

Timely Response

2018-07-27

Dania, FL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-07-27

Rehoboth Bch, DE

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-07-27

Daniels, MD

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

2018-07-27

Wallington, NJ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Called into Transworld Systems Inc and Spoke to a woman agent on XX/XX/XXXX @ XXXX for 5mins and 20 seconds because I received a letter stating that I owe {$730.00} in unpaid toll on license plate number XXXX. I gave her my account # listed on the document. She said this debt was from XXXX. I explained to her that that is impossible because I just received a letter stating that I owe a balance of {$350.00} almost a month ago.Then she stated i actually owe a total of {$2300.00} from XXXX XXXX in unpaid toll from 1 year ago starting from last XX/XX/XXXX to now. I told her that was impossible. I asked her what was the license plate numbers she read of XXXX and XXXX. Now I'm assuming that {$1500.00} is unpaid tolls for XXXX. I stated again that is impossible. I am confused is this from XXXX or XX/XX/XXXX. She said both. I asked her Can you please give me the total amount due on plate number XXXX. She said she could not provide me with that. I asked her could she send me photos with dates and times and shots of the plates, she said she could not. Go on the website and find the information, which I was unable to do so because the violation number was inaccurate for the XXXX plate and it would not come up without the violation information. I stated to her, you do know we are on a recorded line and I am asking you for a total to make a payment and you are denying me and referring me to a website. I do not feel comfortable or confident that the information provided from that company is correct. Please help me. I am not working now and I do not want to be ripped off giving the little money I have now. I just want clear concise information.
Company Response: Closed with explanation

Timely Response