TRANSWORLD SYSTEMS INC

2018-07-19

San Diego, CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2018-07-18

Hamburg, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I got a phone call saying I owed over {$400.00} in debt for back tolls which I do not owe and I do have XXXX XXXX It was a local call supposedly as same area code as mine. I couldnt understand what company she supposedly represented as I was disgusted and ended the call after saying not me. I then called back and got the name of the company. After some questions the explanation I got was there were so many with my name its likely not me. Their number is .... XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-07-18

Ft Lauderdale, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
Company Response: Closed with explanation

Timely Response

2018-07-18

Wales, WI

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2018-07-17

Quartzsite, AZ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. Washington, D.C. XXXX To : XXXX XXXX Senior Account Manager XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, Arizona Regarding Contract # XXXX : Cease & Desist Collection Harassment - Threats to Ruin Credit Breach of Contract as a result of dereliction of duty to perform as per contract agreement. Based on the facts herein, I am demanding an immediate cease and desist of the Transworld Systems Inc. Collection Process. I am demanding a complete refund of the original {$390.00} Policy Fee ; I am demanding reimbursement of {$140.00} for XXXX XXXX XXXX XXXX the second plumbers repair fees ; and I am demanding reimbursement of {$220.00} for costs from plumber # 3 who finally completed the proper repair the bathroom damage. You are on notice that I am hereby demanding full reimbursement to XXXX XXXX in the total amount of {$790.00} immediately due and payable upon receipt of this letter dated XX/XX/2018. The Fact are as follows : XX/XX/2018 a home warranty was issued to my client XXXX XXXX with an effective date of XX/XX/2018. XX/XX/2018 XXXX XXXX discovered a water leak bathroom. The wall and the floor around the shower and toilet was continuedly wet. XXXX XXXX called XXXX XXXX XXXX XXXX XXXX , XXXX to have it repaired as per the Warranty Agreement : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, XXXX sent XXXX XXXX XXXX and who misdiagnosed the leak and told XXXX XXXX that the water leak was not covered, that he would have to hire an outside plumber to install a new shower water spout and replace the aluminum shower door frame work before XXXX XXXX XXXX XXXX XXXX , XXXX would repair the water leak. This was insane and of course an obvious excuse made Mr. XXXX very angry after paying {$390.00} for the coverage and now being charged an additional {$50.00} service fee to be told he needed to hire a outside plumber and no repairs were made. XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, XXXX sent XXXX XXXX the service call bill for the {$50.00} service charge. XXXX mailed Check # XXXX to XXXX XXXX on XX/XX/2018. XXXX XXXX claims they never received the Check. XX/XX/2018 XXXX XXXX again called XXXX XXXX XXXX XXXX XXXX , XXXX attempting to get them to do the repairs as per the warranty. Again, he was told by XXXX XXXX he must first hire a plumbing contractor to replace his Shower water spout and the aluminum shower framework before they would agree to fix the water leak. Standard stall tactics used in 74 complaints. XX/XX/18, XXXX XXXX called XXXX XXXX XXXX, XXXX, the person that came out to inspect the water damage. He wanted the bathroom leaked repaired, his thinking was that he was a licensed plumber and I could pay him out of his own pocket to get the leak fixed. When I called him, he said that he could not fix the leak. And that I would get no help from XXXX XXXX XXXX XXXX , XXXX, but he gave me the number of another plumber named XXXX, he said XXXX could do the repairs and stop the water leak. XX/XX/2018 XXXX XXXX called XXXX and he came out the next day. XXXX looked at the damage and tried to give me an oral estimate of repair. He suggested an unethical solution, he said that we could charge my homeowners policy and get them to remodel my bathroom and all I would have to do is let his company talk to my insurance company and pay my insurance deductible. I did not want to do this. He said that he would give me a written estimate the next day, but He never followed thru with an estimate. I still had the water leak and the damage was continuing. At this point XXXX XXXX turned this over to XXXX XXXX the Realtor, in hopes he could get this problem resolve and get a refund of my premium from XXXX XXXX XXXX XXXX XXXX, XXXX and use these funds to hire a professional plumbing company to get the leak fixed. XX/XX/2018 XXXX XXXX researched XXXX XXXX XXXX XXXX XXXX , XXXX and it appears that this company has all the makings of a scam company after reading the 852 Complaints filed with the XXXX XXXX XXXX as well as hundreds of others listed online. Many of the complaints were the same exact problems XXXX was experiencing with XXXX XXXX XXXX XXXX XXXX , XXXX and decided he would cancel the contract. In his discussion with a woman at XXXX XXXX, he was informed in-order to cancel he must first pay the {$50.00} Service Fee plus a {$75.00} cancellation fee. While in the process of canceling the contract the person at XXXX XXXX XXXX XXXX, XXXX abruptly hung up on him before the process was complete. XX/XX/2018 XXXX XXXX received a Past Due Notice to pay the Service call for Work Order # XXXX. Now, not only is totally aggravated with the fact XXXX XXXX XXXX XXXX XXXX , XXXX refused to do any repairs he is now being harassed by XXXX XXXX for payment he thought he had already made. Meanwhile the water continues to leak and now 3 months of limited use of the bathroom and unable to use the Shower. XXXX had a growing concern as the water continued to leak he feared it would get into wall area making it prime environment for mold growth. XX/XX/2018 In desperation to regain full use of the bathroom unable to shower XXXX XXXX called XXXX XXXX XXXX XXXX and talked to XXXX XXXX, a licensed Plumber and made an appointment. XX/XX/2018 XXXX with XXXX XXXX XXXX XXXX arrived and correctly determined all the damage was caused by a broken toilet ring behind the toilet. In XXXX XXXX the toilets are mounted directly on the wall and this was the source of the hidden leak behind the wall. He told me it would cost {$140.00} to repair and replace the ring and XXXX had him repair the toilet. At that time, XXXX said there was quite a bit of leakage that had been going on for quite a while to do that much water damage to the wall, a cabinet, and the baseboard all around the toilet. If XXXX XXXX XXXX. had done a correctly inspected and properly diagnosed this back in XXXX the damage would have substantially less. I hold XXXX XXXX XXXX XXXX XXXX , XXXX 100 % responsible because they failed in their responsibility and just flat refused to resolve the issue. Instead the damage continued until I got the licensed plumber to do the repairs. At this point the leak was behind the wall and has been stopped, but the damage remains to the drywall and baseboard. I expect that the repair will cost several hundred dollars. XX/XX/2018 It was discovered that XXXX XXXX XXXX XXXX had not properly installed the toilet wall seal correctly and discovered it was still leaking. XXXX XXXX hired yet a third plumbing company to come out and repair the toilet wall seal again at a cost of {$220.00}. XX/XX/2018 XXXX XXXX having still to resolve the matter, XXXX XXXX sends a Demand Letter from their Collection Division demanding payment of the Service Call Fee of {$50.00}. This was the 1st threat to ruin XXXX XXXX credit. XX/XX/2018 XXXX XXXX received Transmittal from Transworld Systems Inc. Collection Agency demanding payment of now {$75.00} fee and threatening to file a Judgement against his credit. It is commonly known that a judgement from a collection company will cause horrendous and long-term damage to Mr. XXXX credit. XXXX XXXX is using this tactic of force and collusion with a collection company to demand payment for services they never rendered. This is a direct violation of ethical standards and a breach of the Home Warranty Contract. XXXX XXXX Signed on the day of XX/XX/2018
Company Response: Closed with explanation

Timely Response

2018-07-17

San Antonio, TX

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: This loan was originated from XXXX XXXX College in XX/XX/XXXX. The school was shut down by the Board of Education on XX/XX/XXXX. With no notice, heads up. Just Abruptly shut down. All other loans were discharged. Why not this one. Total : XXXX as of XX/XX/XXXX @ XXXX
Company Response: Closed with explanation

Timely Response

2018-07-17

Newport News, VA

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-07-17

Flushing, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-07-17

Norcross, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-07-17

Nashville, TN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-07-17

Jacksonville, FL

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2018-07-16

South Florida, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XX/XX/2018 RE : XXXX XXXX Dear Transworld Systems Inc., and XXXX XXXX, I received an invoice from Transworld Sytems Inc. stating I owed XXXX XXXX money in the amount of {$400.00}. TRAnsworld File # XXXX. Transworld has three telephone numbers and three different addresses on their collection bill. When I called trans world and tried to get XXXX XXXX on the line with them in a thruway they hung up. I accused them of fraudulent billing practices. I called XXXX XXXX and they said this was a fraudulent collection and XXXX XXXX sent me a XXXX balance of XXXX owed. XXXX XXXX opened a case # XXXX and a XXXX # XXXX for this billing from Transworld Systems. I am reporting this to the Government Authorities of unlawful collection. XXXX XXXX will not be in my complaint as they were very helpful in the fact of informing me they did not have any balance owed by me and they sent me a XXXX balance and stated I never owed them anything that they never sent anything for collections. Please be advised TRansWorld Systems you are being reported for unlawful collection practices. Sincerely, XXXX XXXX Attached in this correspondence is a XXXX XXXX XXXX balance statement and the TRansworld Systems Collection Bill File # XXXX Transworld Telephone # XXXX they wanted me to send the payment to XXXX. XXXX XXXX, XXXX, DE XXXX. XXXX XXXX XXXX, Case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.
Company Response: Closed with explanation

Timely Response

2018-07-16

Oxford, GA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I cosigned for a private student loan for my wife, who was my girlfriend at the time. They have sent court documents to my former residence. They have not tried or attempted to contact her. The law firm representing the loan company will not come to the phone or call my wife back. The loan was originated in 2008.
Company Response: Closed with explanation

Timely Response

2018-07-15

Overbrook Hills, PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-07-14

Juniper Hills, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.
Company Response: Closed with explanation

Timely Response

2018-07-14

Ft Belvoir, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX. On average we get 1-3 calls a week. We owe no debts other than loans through XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-07-14

SC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I received a phone call from XXXX XXXX with XXXX XXXX stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. Prior to this being transferred to XXXX XXXX I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from XXXX XXXX states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.
Company Response: Closed with explanation

Timely Response

2018-07-14

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues. Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ). This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues. I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-07-14

Sierra Madre, CA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was paid
Complaint: Hello CFPB, I hope you can help me. After closing my case in XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) XXXX XXXX XXXX a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.
Company Response: Closed with explanation

Timely Response

2018-07-13

Lewisville, TX

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

2018-07-13

Glen Allen, VA

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Contacted your employer
Company Response: Closed with explanation

Timely Response

2018-07-13

Troy, 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

Timely Response

2018-07-12

Avondale, MD

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

2018-07-12

Covington, 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

2018-07-12

Fair Lawn, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response