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 48
2018-06-19
Bayway, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: On XX/XX/18 I received a misunderstanding a report of {$92000.00} by a debt collectors of " Transworld Systems Inc for XXXX merchant company which I called denied it.I find out if I contact you, you can help understand that situation.
Company Response: Closed with explanation
2018-06-19
Plymouth, FL
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: XXXX XXXXXXXX XXXX, XXXX, the loan servicer for XXXX XXXX, received my loan payoff via wire to their bank on XX/XX/XXXX. The payoff amount was given to me on XX/XX/XXXX by a different representative. The online activity statement shows the payment posted to my account effective XX/XX/XXXX.Their call center representative and supervisor said they posted the payment effective XX/XX/XXXX and therefore charged me 2 extra days of interest ( XXXX and XXXX ). They attempted to rectify this by offering to adjust for one day. I communicated that was unacceptable. Then the supervisor offered to take the full adjustment for approvals, but that wasn't certain. I'm concerned they are post dating loan payments and unwitting students and parents are over charged.
Company Response: Closed with explanation
2018-06-19
Indianapolis, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with Indiana University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXXXXXX, XXXX ( XXXX ).
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX.
2. ) XXXX has not marked the account on my credit report as " Disputed '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX.
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
Company Response: Closed with explanation
2018-06-19
Greenwood, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: No information is provided unless I release me social security which I am not as I owe or do not have ANY outstanding debts. I am in very good standing with all my accounts.
Company Response: Closed with explanation
2018-06-19
Allentown, PA
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt was paid
Complaint: This company handles Perkins Loans for XXXX University. I have not been a student for over 4 years and I had all my student loans forgiven through XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX, I reached out to XXXX and gave them all the information regarding the XXXX approval and had a conference call with XXXX, XXXX and myself to have this taken care of then. Then, in XX/XX/XXXX of this year, I see that this loan was reported on my credit report in XX/XX/XXXX of this year. I called XXXX University and found out that XXXX is in charge of the Perkins Loans. After confirming with XXXX and XXXX that this reporting on my credit report was from a XXXX XXXX that was to be forgiven by XXXX over 2 years ago, I was asked by UAS to send over the approval letter again to show that I was approved. I sent them this documentation, along with the original email with them in XX/XX/XXXX. I was told by XXXX that this should have never been reported on my credit report and they would request that it be removed immediately on XX/XX/XXXX. After several emails and talking with experian, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to XXXX, every time I dispute this, they correct information instead of just accepting the dispute. I have several emails from XXXX saying that this account is handled by XXXX and from XXXX saying that this should have never been reported to the credit agencies.
Company Response: Closed with explanation
2018-06-18
FL
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I was a student and was not given the opportunity to a fair payment plan. At the time I was forced to have my parents wages garnished even though they were a co-signer and never once gave me a payment plan. I was currently in school full time. I was told the only option I had was to have my parents wages garnished even thought it was my loan and I was working and wanted my wages garnished because the payment I could afford. I never even received any communication that they were my true lender. I was not provided any documentation that this company truly owned my loan. To this day I go on their website and its nothing but a portal to make a payment. My parent was forced into signing wage garnish documents and all contact was harassment via telephone. The documents wer the XXXX XXXX XXXX XXXX XXXX XXXX a Delaware statutory trust.
Company Response: Closed with explanation
2018-06-16
Copper Canyon, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2018-06-16
Camden, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-06-15
Euclid, OH
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: This complaint is being filed against XXXX XXXX & XXXX debt who represent the creditor XXXX XXXX XXXX XXXX XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX & XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX & XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX XXXX XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX XXXX XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
Company Response: Closed with explanation
2018-06-15
Baltimore, MD
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-06-14
Washington, DC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Repeated annoying calls from Transworld Sytems Inc, stating this is an attempt to collect a debt I do not owe.
Company Response: Closed with explanation
2018-06-14
Alexandria, VA
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '.
-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
Company Response: Closed with explanation
2018-06-14
Cheverly, MD
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Complaint: Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.
Company Response: Closed with explanation
2018-06-13
Chester, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-06-13
Colts Neck, NJ
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: I get almost daily calls from Transworld Systems. I have no debt. I feel it is just a scam and I will not have anything to do with them.
Company Response: Closed with explanation
2018-06-13
Chula Vista, CA
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Today I received a call from Transworld, a company that collects debt for XXXX XXXX XXXX. I received that call at XXXX XXXX. Transworld admitted they pursue debts for XXXX and XXXX XXXX XXXX. They stated they could not take me to court but expected me to pay the debt. I told them the debt was discharged in bankruptcy court and was 13 years old. He continued to dispute the debt with me and I continued to say it was discharged in bankruptcy court. Transworld admitted they did not own the debt but were pursing it for XXXX XXXX XXXX.
Company Response: Closed with explanation
2018-06-12
Tubac, AZ
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.
Company Response: Closed with explanation
2018-06-12
Columbia, SC
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
2018-06-12
Wesley Chapel, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: Debt was result of auto accident XX/XX/2016. Physician consistently failed to bill insurance regardless of information I provided. Bill was given to Transworld whom I communicated with on several occasions. I do not believe they communicated with physician, I communicated with physicians office, yet health insurance was never billed. Physicians office finally billed health insurance, but they failed to file the claim within the allotted amount of years, and was told my portion of payment is {$0.00}. Physician sent an invoice showing that I owe XXXX. Yet, Transworld communicated to me it was a charge off. I provided documents showing that it wasn't and told them that nowhere on the invoice does it show that it was a charge off. Physicians invoice shows I owe {$0.00}. Transworld has been claiming it is in dispute for more than 30 days. Transworld has done nothing to repair incorrect reporting. They haven't even reported it as a " Charge Off, '' even though it is not a charge off. They have done nothing and it has been on my report inaccurately for over a year I am attaching the documents they have received on more than one occasion.
Company Response: Closed with explanation
2018-06-12
NJ
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: I was a member of the XXXX XXXX XXXX XXXX at XXXX starting in XX/XX/2017 but when I began suffering chronic XXXX XXXX from the XXXX XXXX diagnosed after my enrollment I contacted XXXX XXXX in person requesting refund for the unused 11 1-Hr PT Sessions for {$740.00} explaining that the PT is not suitable for me. I followed-up in person and by email on the refund request writing to the Membership Manager, the PT Manager ( XXXX XXXX ) and the General Manager ( XXXX XXXX ) several times over the next few week weeks. But to no avail at which point I requested my bank to process the refund for services not used by me. As a retaliation I was sent a letter from a Collection Agency on behalf of XXXX XXXX XXXX XXXX at XXXX claiming that I owe {$1600.00} which I paid in advance & in full. There is no contract that stipulates they will not refund for unused sessions especially for health reasons which is all I wanted.
XXXX XXXX XXXX XXXX at XXXX is a unit of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Telephone : XXXX
Company Response: Closed with explanation
2018-06-11
Gloucester City, NJ
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: On XX/XX/XXXX our contract with XXXX, XXXX ended and went on to a month-to-month. In XX/XX/XXXX we installed XXXX Floodlights front and back. On XX/XX/XXXX I spoke to XXXX and cancelled our service. He connected me to a sales person who stated that if I would start a year contract they would be able to keep our payment at {$34.00} instead of the new monthly payment of {$53.00}. I declined the offer. On XX/XX/XXXX I received an E-Mail entitled " Your XXXX Services Have Been Cancelled ''. In the body of the E-Mail it stated " You will receive a final statement within 30 days of the service discontinuance effective date. '' For safety I placed a STOP Payment on my bank account on XX/XX/XXXX for {$34.00}. On XX/XX/XXXX I received an E-Mail from XXXX stating {$53.00} was due by XX/XX/XXXX. On XX/XX/XXXX XXXX removed {$53.00} from my bank account. When I found out what happened I filed a dispute with my bank and XXXX returned the monies to my account on XX/XX/XXXX. On XX/XX/XXXX the bank placed a STOP ALL on my account. According to XXXX 'S Alarm Records, on XX/XX/XXXX they did a test at XXXX XXXX and it came back OA-Out of Service. On XX/XX/XXXX I removed and disconnected all their equipment. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ft. Washington, XXXX XXXX XXXX advising me that this account was put in collection. I immediately called and spoke to XXXX and verbally gave her all the information and she stated that she would file a dispute and to call back in a couple of weeks. On XX/XX/XXXX I called and talked to XXXX and she stated they had not heard anything. On XX/XX/XXXX I called and spoke to XXXX and she stated that the dispute had been resolved and a letter was sent to me. On XX/XX/XXXX I received the letter from XXXX XXXX XXXX XXXX showing the {$53.00} as still due along with a copy of the bill effective XX/XX/XXXX to XX/XX/XXXX and a copy of an E-Mail dated XX/XX/XXXX stating that the automatic payment was declined. I called and spoke to XXXX and he said that he would put it in dispute for another 30 days.
Company Response: Closed with explanation
2018-06-11
DC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I first found out that I was in collections at the end of XX/XX/XXXX/beginning of XX/XX/XXXX when I checked my FICO credit score through XXXX, with whom I have a credit card. Without realizing that they get their credit information from XXXX, I first contacted XXXX to get my report and dispute the charge. ( This has never happened to me before. ) I found out from them that I was in collections for a {$240.00} bill from XXXX, with whom I had a utilities account from about XX/XX/XXXX until I closed the account in XX/XX/XXXX. The XXXX representative told me the account was dated in XX/XX/XXXX ( I no longer lived at that apartment and my account had long been closed by then ) and went into collections via Transworld Systems as of XX/XX/XXXX.
I have NOT received a bill or a phone call from either XXXX or Transworld Systems. Not one. Transworld Systems did not attempt to collect on the debt between XX/XX/XXXX and the time I contacted them in XX/XX/XXXX. Not even since I disputed with Transworld. I've received not one piece of paper in the mail even though they have my current address, even though I was promised updates by mail from Transworld. I will again stress : I did not find out that I was in collections by receiving a call from Transworld ; I found out by checking my credit score through XXXX. XXXX had my phone number until it changed late last year and my previous address ( where I had a XXXX account ) had my updated address to which they could forward my mail. I received nothing in the years since I closed my account. Nothing. Naturally, proving a negative is difficult ; that is, I'm having a bit of trouble proving I didn't receive anything.
Nonetheless, I provided XXXX a copy of my lease to show that I no longer lived there to dispute the charge and they successfully removed it from my credit report in mid-to-late XX/XX/XXXX. I had also contacted Transworld Systems, the collections agency, and they contacted XXXX on my behalf to request validation of the debt. According to the representative, they received a document on XX/XX/XXXX that, by her description, was illegible. ( For humor 's sake : a straight up XXXX XXXX move. ) To be clear, she laughed and said she couldn't tell what it was, let alone whether or not it was " supposed to be a validation of debt. '' She apologized and said this wasn't acceptable and would get on it right away. That was 2-2.5 weeks ago.
Since then, I contacted both XXXX and XXXX, the latter of which verified the account with Transworld ( not with XXXX ) and won't remove it from my report ( to my added detriment, it also won't show as in dispute ). I'm assuming XXXX will report the same later this week, the end of their 30-day time-frame. I have called Transworld just about every week and they tell me they've followed up with XXXX, but have not received anything. After almost two months of damaging my credit without proof, I'm over it. I haven't been able to get in contact with XXXX, XXXX ( having sold the debt ) has no reason to get in contact with me nor, by my understanding, would they benefit from me being right. As a young person with plenty of other ( student ) debt to worry about, I would really like my credit score not to be held hostage by a utility company. I appreciate your help in this matter. Thank you.
Company Response: Closed with explanation
2018-06-11
Bueche, LA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I took out a private student loan through XXXXXXXX XXXX in XX/XX/XXXX for {$30000.00}. I was told that I was required to have a coborrower despite trying to get the loan without one. Neither my husband and I were employed at the time as he had just lost his job and I was attending school full time in addition to raising our child. We were desperate, young and naive. I joined the XXXX a few months after I took out the loan in order to provide a stable financial income and health insurance for my family. After a lot of headaches, I finally got the company to honor the Soldiers and Sailors Credit Relief Act to lower the interest accruements while I was overseas. When I got out of the XXXX, I continued my education to finish my XXXX degree. I was intending to go to school to be a XXXX XXXX. In this time, the loan had been transferred to another company. I found out in XX/XX/XXXX, just a few months after graduating college that I would not be able to attend XXXX school because I had a XXXX XXXX XXXXXXXX and was going XXXX. I was no longer able to drive or work. My husband and I continued to make payments despite me not bringing in any income. About a year after receiving my diagnosis, I was considered to be a 100 % service connected XXXX veteran and my federal student loans were dismissed. At this point I had paid over {$11000.00} on this original loan only to find out that it had not dropped in balance by even a cent. I reached out to the company only to be told that even paying {$530.00} every month would not decrease the balance for quite a while. I informed them of my diagnosis and that I could not work seeing if we could lower the payments. They not only refused but began harassing myself, my husband, my in-laws and my father. I would inform them every time that I was doing my best but could not afford to pay over {$500.00} a month. The calls continued sometimes several times a day. The loan was transferred twice after that and each time my husband and I would tell them that we could make small payments monthly. ( None of these companies had any record of us paying the previous {$11000.00} either. ) They refused to take them stating that the amount we could pay ( between $ 50- {$100.00} ) was not sufficient enough to make a difference. My husband, in that time, had begun college so that he could have a career and provide better financially since I could not. He has told them several times that we have every intention of paying the loan but can not do so at this time seeing as neither one of us has an income other than my XXXX and the small amount he gets from his GI Bill. We have begged, pleaded and cried over the harassment and rudeness. We are out of options. The loan appears to have been transferred back to XXXX XXXX XXXX and of course the calls continue. They have threatened to take us to court which we have told them to do so because at that point they could no longer continue charging interest ; however, they have only continued to harass us and increase the balance by charging interest. We have every intention to pay our loan ; however, our priorities are a roof over our familys head and food to eat. I do not ask for anyones sympathy in going XXXX, but I do expect respect not only as a veteran, a XXXX woman but as a human being. I take full responsibility for being nave enough to take out a large loan when I was younger, but I can not fathom the indecency of these people. Our credit is no longer good, and we could not even take advantage of a veterans home program to decrease our interest rate on our mortgagee ( which would result in lower monthly notes and more we could afford to pay on the loan ) because of this loan. They refuse to work with us. I dont know what else to do and am pleading for some help and guidance in this situation.
Company Response: Closed with explanation
2018-06-11
Pinellas Park, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I received a letter from Transworld Systems Inc with an address in XXXX XXXX XXXX and in XXXX XXXX stating that they are collecting a debt from XXXX XXXX XXXX. I contacted XXXX and the representative verified that I owe no money and that they do their own collections in-house. I checked online for other complaints against Transworld and read of many other folks who they are also trying to collect monies from for nonexistent debts. I believe that this company knows that I do not owe any money and are trying to defraud me. Will you please try to stop this criminal activity. Thank you.
Company Response: Closed with explanation
2018-06-10
Warren, RI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: on XX/XX/2018, an amount of {$330.00} appeared on my credit report on XXXX XXXX. I recently just submitted a complaint. It was in regards to XXXX XXXX and debt that was owed by a family member that knows my information and put the collection on me.We also have the same name its my dad. I live with my mom and the bill is in her name, I'm XXXX years old. The creditor is XXXX XXXX I believe but has been reported by " Transworld systems '' but shows on my XXXX XXXX. I need help to removing this please.
Company Response: Closed with explanation