TRANSWORLD SYSTEMS INC

2019-10-14

Rochdale, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-14

OH

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XX/XX/2019, my bank sent University Accounting Services the payment due on XX/XX/2019. Documentation indicates it was received by UAS on XX/XX/2019. UAS sent a report to the credit bureaus indicating that I had missed my XXXX payment. My credit score dropped 140 points. I contacted UAS by internal website messaging and by phone. I also submitted a dispute form to XXXX XXXX regarding this issue. The customer service agent at UAS insists that the payment received on XX/XX/XXXX was payment due on XX/XX/XXXX. I told her that this was incorrect. I have documentation from my bank showing all payments were sent two weeks ahead of the due dates to insure proper time for application. She has sent my account to an accounting specialist.
Company Response: Closed with explanation

Timely Response

2019-10-13

Hinkley, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Closed with explanation

Timely Response

2019-10-13

Detroit, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: TRANSWORLD SYSTEMS INC is falsely reporting an unverifiable utility bill on my credit report and is detrimental to my life since XX/XX/2019. I have enough bills to cover and I can not afford to have anything hurting my score now. This is causing an increase in interest percentage and a decreased chance of being accepted with different companies. I have contacted the main creditor many times and have disputed many times but the issue remains unsolved.
Company Response: Closed with explanation

Timely Response

2019-10-13

Beyersville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Company Response: Closed with explanation

Timely Response

2019-10-12

Atl, GA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Closed with explanation

Timely Response

2019-10-12

Finksburg, MD

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-10-11

Nyc, NY

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Transworld Systems contact my cell # on XX/XX/19, XX/XX/19 ( two times each ) XX/XX/19 again asking for someone other than me ( that I do not know ). I asked them to please stop calling. they were recording this conversation so that should have been the end of it. today XX/XX/19 they called again XXXX in the XXXX ( outrageous ) disregarding previous requests to stop contacting me - they have the wrong number. Now they are harassing me. I do not have any debt. I do not know the person they keep asking for. Thank you!
Company Response: Closed with explanation

Timely Response

2019-10-11

NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I asked for a bill showing what I owe when I saw a medical debt for {$770.00} on my credit report. The bill i received dated for XX/XX/2019 shows it has a {$0.00} balance with nothing due.
Company Response: Closed with explanation

Timely Response

2019-10-11

Cucamonga, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-11

Henderson, NV

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-10-10

Boulevard, NY

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Boulevard, NY

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Franklin Lks, NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: XX/XX/XXXX XXXX Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with XXXX XXXX. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a XXXX XXXX XXXX injury. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted XXXX XXXX advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from XXXX XXXX telling me that they had turned the matter over to a collection company by the name of Nationwide Credit. Since then I have received threatening correspondence from Nationwide. Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies. According to the CCPA of 1968 as well as the Americans with Disabilities Act and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of XXXX XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by XXXX XXXX and Nationwide Credit. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Grassy, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In or around XX/XX/2015 I had an auto accident due to the fault of another driver. My vehicle was a complete total loss. The party at fault insurance company booked a rental for me at XXXX XXXX XXXX XXXX. However, after several days into the auto rental XXXX XXXX XXXX XXXX told me to return the auto in which I did. The other party 's insurance company that was responsible for the billing did not cover the amount due as stated to me. I was not responsible for the booking of this rental. XXXX XXXX XXXX XXXX has attempted to collect debts from me that I was not responsible for. I have explained in calls and letters many times it is not my responsibility. XXXX then retained a collection agency and I have also sent letters and faxes about this debt. I ultimately have had no choice but to file with the CFPB with my complaint. They have reported to this account to the credit bureaus causing irreversible damage to my credit scores, interest rates an inflicted financial losses due to erroneous reporting information.
Company Response: Closed with explanation

Timely Response

2019-10-09

SC

Struggling to repay your loan

Student loan: Federal student loan servicing

Can't temporarily delay making payments
Complaint: Good morning, UAS is the account holder for my XXXX Perkins loans. The total of the original loan is {$2100.00}. The total balance now is {$2300.00}, and the amount due is {$410.00}. I contacted them to try and extend my forbearance and was told that I would have to make a {$300.00} payment before I could apply for any other benefits. All of my federal student loans except these are on an Administrative Forbearance because I have filed a Borrower 's Defense application. This is because XXXX lost in a lawsuit with the FTC for deceptive marketing practices. I was a student that received a check because of it. I informed UAS about my status and on top of that I can't afford those payments. Please help.
Company Response: Closed with explanation

Timely Response

2019-10-09

N Hollywood, CA

Took or threatened to take negative or legal action

Debt collection: Medical debt

Collected or attempted to collect exempt funds
Company Response: Closed with explanation

Timely Response

2019-10-07

South Florida, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: First off this debt was previously disputed and removed from my report, then purchased by Transworld System which by the way is not licensed in the state of Florida to collect debt requesting investigation
Company Response: Closed with explanation

Timely Response

2019-10-07

Stevenson, MD

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Company Response: Closed with explanation

Timely Response

2019-10-07

Interchange Square, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-10-07

Interchange Square, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-06

Thompsons Station, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: There is currently a debt collection placed on my credit bureau from Transworld system Inc. They claim that I owe {$7100.00} to XXXX XXXX. I claim that this indebtedness started from an apartment building I owned over 10-years ago. XXXX XXXX was given instructions to turn off all utilities after I closed up the building. XXXX XXXX is posting a collection from over 10-years ago, and XXXX XXXX has gone past the legal timeline where they could file a lawsuit against me personally. Since I now live in the state of Tennessee, that is beyond any common sense scenario. Accordingly, I demand copies of all invoices pertaining to the attached XXXX XXXX account ( s ), and I will prove that XXXX XXXX has passed its legal collection timeline, and Transworld System Inc. no longer has right to report this collection on any credit bureau. My address is attached to mail my requested invoices.
Company Response: Closed with explanation

Timely Response

2019-10-04

Alexandria, VA

Incorrect information on your report

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

Account information incorrect
Complaint: Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to UAS via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. ALL of my student loans are through Navient, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-04

Belford, NJ

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-10-04

Talleyville, DE

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