TRANSWORLD SYSTEMS INC

2018-05-03

Mesa, AZ

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-05-03

Bloomingdale, 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

2018-05-03

Affton, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-05-03

Bowie, MD

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-05-02

Mt Pisgah, IN

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-05-01

GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I lived and went to school in Washington, DC from XX/XX/XXXX-XX/XX/XXXX. When I decided to leave DC I disconnected my XXXX ( XXXX ) account and paid off and verified the account was closed in person. I was made aware that account was closed and that I owed no money. That was over 5 years ago in XXXX ( closed the account ) and XXXX ( paid the last months balance ). I recently, mid-late XXXX, received notification from XXXX XXXX that I have a collection on my XXXX credit report, and my credit dropped in the 600s. It showed that it was XXXX and that the collection account was activated in XXXX XXXX, for a total of {$340.00}, an amount I never accumulated for an electric bill. I haven't received any notification from XXXX that I had a deliquent account or an outstanding balance in the past six years since closing the account, I also still haven't received anything from the collection agency, Transworld Systems, when the account was in collections with them. Fair debt collection practices states that they are to contact me within 30 days of the account opening. I've called and left messages with my address and phone number on numerous occasions : XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX. I wanted to get clarification as well as explain my experience and knowledge of the account. If necessary, to negotiate payment and work to get this removed completely from my account. I know for sure that I paid my balance and was told in person that the account was closed and resolved, so either the company continued an account without my knowledge and permission, or reopened it for that apartment again without my knowledge and permission. Representatives explained that the collection agency is located within the utility business, and while the XXXX representative would not give me details of the account she forwarded me to the collection department, which I continued to follow up with, to no avail over a month later.
Company Response: Closed with explanation

Timely Response

2018-05-01

Soquel, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I was out of state XX/XX/XXXX-XX/XX/XXXX, just returned on XX/XX/XXXX and noticed debt collection notice from debt collector TRANSWORLD SYSTEMS INC that I owe {$55.00} to Creditor XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. Debt collector claims on notice that " they have not received a response from me regarding my past due account. Previous attempts by our office requesting that my account be resolved have been unsuccessful. '' I have concerns on this notice. a. I have received no email/phone/mail communication either from XXXX or from Debt collector, so this is statement is FALSE that they could not get any response from me. I called XXXX but they kind of bypass my this question, when I asked for proof that they ever contacted me. b. Notice is incomplete. It just has an invoice number and thats all. It does not have any proof of attachment for additional details or invoice copy. c. Debt collector does not have complete info on what this debt is and claiming that I left something with XXXX in month of XX/XX/XXXX I don't recall of using XXXX in month of XX/XX/XXXX. I used XXXX in month of XX/XX/XXXXto ship my passports for XXXX consulate. Debt collector has no further information on it. I asked for copy of invoice that they are going to send over within 30 days ( hopefully soon ). Once I receive I will be able to understand what this amount is for? I don't recall. d. I called XXXX today at XXXX PST at XXXX and asked for further details. They claim that I mail something to myself in month of XX/XX/XXXX. I am sender and receiver of package both. This makes no sense to me. I don't use XXXX at all unless it is for documents sending to someone else. Why would I do that. XXXX has opened XXXX claim : XXXX today and hope to receive their reply in 1-2 business days. I am extremely upset by approach that XXXX used and/or their debt collector used and falsely claimed. Notice came off as threat to me demanding debt $ amount for which debt collector has no supporting claims/documents/calls/emails/mail proofs and is incomplete and falsely claimed that I was contacted. I am so on top of my payments always and check my mails twice a week to make sure I not miss any payments/dues etc. This is surprising, frustrating, adds anxiety, stress, disrupts people 's lives, not ethical and above all not correct way of doing business.
Company Response: Closed with explanation

Timely Response

2018-05-01

Cheyenne, WY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-05-01

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-30

Washington Green, CT

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: On XX/XX/2018 I received a letter from a debt collector called TRANSWORLD SYSTEMS INC.stating that i owed XXXX when I called a representative to find out what the bill was in regards to she stated that it was for apparently running 3 tolls that cost XXXX each. When asked why the bill was XXXX she stated it was for violation fees.I stated to the representative that this is the first letter that I have ever received otherwise the tolls would have been paid in full.
Company Response: Closed with explanation

Timely Response

2018-04-30

Staten Island, NY

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware statutory trust filed a civil court summons and complaint against me. The amount is for {$24000.00} I went to court XX/XX/XXXX and their outsourced attorney did not have any documentation that i owed XXXX nor that they bought the debt from any other lender. He only had the application or loan agreement for a different lender, XXXX XXXX i believe, for {$15000.00} or less. The attorney suggested I call XXXX and try to negotiate directly with them and another court date was set for XX/XX/XXXX. XXXX has not responded to any if my attempts to reach them. I understand they have a history of bringing lawsuits illegally against consumers, please advise what i can do to see if I am one of those situations. Thank you
Company Response: Closed with explanation

Timely Response

2018-04-29

Oxford, GA

Communication tactics

Debt collection: Private student loan debt

Used obscene, profane, or other abusive language
Complaint: XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) contacted me on behalf of XXXX a private student loan. I asked for loan documentation amount, loan guarantor written correspondence address and current payment proof. This was due to the fact that my loan was moved to a collection agency while making payments as agreed an the amount agreed between XXXX and myself. I was denied information and told that XXXX was hired to collect he funds and my only option was to pay them. They had no information regarding my loans and failed to produce any legitimate information from XXXX. The payment options given were to get a second mortgage on my home, cash out my retirement account, defer other payments to pay them a lump sum, ask a family member or a friend for the lump sum, if I had friends. I was called a liar, yelled at and accused of not wanted to pay the debt, although XXXX produced no information from XXXX and the account numbers printed on the original documents were not any account numbers that I had. As a result, I asked XXXX to stop calling me because I did not agree with the yelling and constant phone calls but I was told that I couldn't tell them to stop calling and that they were going to do what they were hired to do and if I didn't pay them, they would garnish my wages and military pay. XX/XX/XXXX I blocked their number to stop the calls but still didn't receive any documentation in the mail to validate the debt. In retaliation to me blocking their number, XXXX XXXX called several public numbers for XXXX XXXX XXXX XXXX asking if I worked in the office. She posed as a worker from XXXX XXXX asking if XXXX XXXX had ordered a shower rod to be delivered to the base. As this was strange for me to do such a thing, my superiors called me and informed me that someone was calling around base asking for me, requesting numbers and email to contact me regarding my shower rod. When the person they spoke with refused to give them my information, they were asked to, tell me to call XXXX, XXXX. XX/XX/XXXX XXXX XXXX continued to call XXXX XXXX XXXX XXXX seeking information about me and I was informed that she called everyday, multiple times a day. Although, she was informed that I was not in the office and everyone refused to give out my personal information. When I arrived at the base later that month, I received all the messages and contacted the XXXX XXXX number and asked to speak to XXXX XXXX . I spoke to XXXX XXXX instead who denied my number being in their system and could not provide any information but did confirm that XXXX XXXX was an employee there but would not allow me to leave a message since she couldn't find anything on me in her system. A few days later XXXX XXXX at ext XXXX called my father at XXXX to locate me and or a payment. My father asked what was the bill in reference too and XXXX stated that I should know who I owe and needed to contact them before the end of the day. Due to the strange interaction, my father did not give out my information and asked her to mail out whatever, she needed to contact me about. However, once again nothing was mailed out regarding the debt. My father was then contacted by XXXX nearly every hour of the day for over 2 weeks Monday thru Saturday. He was told to cash in his retirement savings to pay off the loan and be at risk for other legal actions that would prevent him from having options later. As a result, he asked them to stop calling him and they refused, so he just stopped answering the phone. I called and tried to speak to XXXX XXXX once again but was told that anyone could help me if I wanted to make a payment and I was given their address if I wanted to request additional information on the debt but they were not sending out anything extra than the letters I have already received. I was information that the letters they mailed out had a mailing address for payments and that was all I needed to move forward with the collection.
Company Response: Closed with explanation

Timely Response

2018-04-29

Fresno, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To whom it may concern : XXXX XXXX has attempted to collect a debt from me that is not my responsibility. They have utilized 3 collections agencies over the past 4 years to harass me. I have disputed each attempt with evidence, and then the case is pawned off on another agency. I have attached a copy of my written dispute. In short, I was charged for electricity I did not use. I was living in another state at the time.
Company Response: Closed with explanation

Timely Response

2018-04-28

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-04-28

Henrico, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-28

Clarksville, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}. The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile. The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.
Company Response: Closed with explanation

Timely Response

2018-04-27

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-27

Unity Plaza, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I was in a car accident with an enterprise rental car late XX/XX/XXXX. I have a {$500.00} deductible. I was told I have until XX/XX/XXXX to pay it ( 90days ) from the accident. I paid it onXX/XX/XXXX at the east XXXX XXXX branch with their agent with my card that was on file. I have been getting mail saying my balance was forwarded to collections and getting constant calls. I called the east XXXX branch and they said I have to call claims so I did. They said east XXXX reported it to collections in XX/XX/XXXX since they did not have the funds. If they have a system issues that's on their end. I already paid the balance before it was due months ago. They said they would look into ot further and has not gotten back to me and now I am receiving another piece of mail saying it is going to be sent to collections of not paid in 10 days.
Company Response: Closed with explanation

Timely Response

2018-04-27

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-26

IN

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Received letter from XXXX XXXX collecting for XXXX XXXX XXXX. I requested validation of this loan ( see attached ) and they sent me another collection letter. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-04-26

Glendale, AZ

Communication tactics

Debt collection: Medical debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2018-04-26

Springfield, MO

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: TSI ( Transworld Systems Inc ) has repeatedly contacted my business number for months looking for someone else. They have the wrong number. We've repeatedly informed them via voice they have the wrong number. We sent them an official cease-and-desist letter on XX/XX/2017. They still continue to call us.
Company Response: Closed with explanation

Timely Response

2018-04-26

Ironbound, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-26

Coalinga, 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

2018-04-26

Monterey, IN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Transworld Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response