TRANSWORLD SYSTEMS INC

2018-06-10

Arlington, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-08

Tampa Palms, FL

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

2018-06-08

Trenton, NJ

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: This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
Company Response: Closed with explanation

Timely Response

2018-06-08

Ft Lauderdale, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Company Response: Closed with explanation

Timely Response

2018-06-08

Brentwood, TN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: This company Transworld Systems Inc continues to call me and my little brother, too. They claim I have a debt, and I have asked them to provide documentation showing the debt. Yet, they continue to call and harass me and my little brother, and even admitted to using an automated dialer.
Company Response: Closed with explanation

Timely Response

2018-06-08

Carver, MA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans. Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ). Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped. Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.
Company Response: Closed with explanation

Timely Response

2018-06-06

Garrett Park, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.
Company Response: Closed with explanation

Timely Response

2018-06-06

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-06-06

Saddle Brook, NJ

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

2018-06-06

Las Cruces, NM

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-06-05

Clementon, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-06-05

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-06-05

TX

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Complaint: I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
Company Response: Closed with explanation

Timely Response

2018-06-05

Irving, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-06-05

Sioux Falls, SD

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-06-05

Rockwell, NC

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: My student loan servicer is XXXX XXXX XXXX XXXX. After one of my loans was reduced because of the XXXX college lawsuit I was able to pay it off. I logged in today XX/XX/18 to XXXX XXXX XXXX website where all my loan information is, to see the balance and also make a payment on my second loan belonging to XXXX XXXX XXXX XXXX. I could no longer see any account information about the loan, no loan balance at all. I called XXXX XXXX XXXX automated system to hear my loan details, the system couldnt tell me my balance either. Its as if my loan just disappeared. I called XXXX XXXX XXXX to ask why I couldnt obtain any information about my loan from XXXX XXXX XXXX XXXX, they told me that the loan holder blocked all online access to the loan information, however they told me that that could still take my payment over the phone. I dont see how its right that a company can take payment for a loan that I have but I cant see the balance of.
Company Response: Closed with explanation

Timely Response

2018-06-04

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-06-04

Matoaca, VA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-03

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I sent a letter of concern as told by collection Agency by email and fax. I attached my proof of residence with lease and dates as proof that I did not reside in area ( different states ... .I lived in Texas the bill was for Washington DC ). I was told that they would contact utility company to handle situation. I expressed that this matter was urgent because I'm applying for a major purchase and this adversely affecting my score. The agency said they would resolve the situation and they never did. Supervisor said she would resolve issue and contact her the next day because she would expedite the situation. I've called back every day the past week and I keep getting the run around and stall tactics, and nobody has called me back or responded at all.
Company Response: Closed with explanation

Timely Response

2018-06-03

Bolling Afb, DC

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-06-02

GA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of Transworld added two file to my credit report. So I initially disputed it in XX/XX/2018 as fraudulent due to the fact that I have NEVER had a signed contract and/or account with this company. To no avail they have done nothing, but continue to report invalidated information to all of my credit bureaus. I have sent them letters asking them to provide such information and they have not done anything. This is fraudulent and illegal to have on my credit file.
Company Response: Closed with explanation

Timely Response

2018-06-02

Beach Park, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: They are reporting an unvalidated debt on my credit report and I sent them a letter on XX/XX/XXXX requesting validation of this debt. They have not sent me anything to meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have requested the following -- all of which they have refused to supply : " What the money you say I owed 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 : 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 : '' They responded to me on XX/XX/XXXX saying to contact the credit bureaus which I have several times and they tell me it's verified but will not supply proof of this verification. They tell me to contact the company and then the company tells me to contact the credit bureaus -- we are just going in circles at this point and yet no one has supplied me any validation of this debt.
Company Response: Closed with explanation

Timely Response

2018-06-01

Columbia, SC

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-06-01

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-06-01

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I sent this company a debt validation letter asking them to validate that this account is mine with a signature of mine promising to pay this debt.. I have not received that from them so they cant validate that it was me who opened this account. I am a victim of identity theft and this needs to stop.
Company Response: Closed with explanation

Timely Response