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 55
2018-04-26
GA
Communication tactics
Debt collection: Medical debt
You told them to stop contacting you, but they keep trying
Complaint: From XX/XX/2017 to present, I have told XXXX XXXX XXXX and TSI that I did not owe this debt and I wasn't paying this debt. The services provided by XXXX XXXX XXXX XXXX XXXX XXXX and its doctors was sub standard to say the least. I will not go in to detail because this is a private family matter. Do you pay for service you weren't satisfied with? Neither do I. Please stop any and all communications with me.
Company Response: Closed with explanation
2018-04-25
ME
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: On XX/XX/2018 we contacted XXXX 's XXXX about a past due bill. They directed us to Transworld System. We called and asked what was the amount we needed to pay to pay this account in full. We were told to pay {$660.00} to pay this account in full, that they could waive a {$100.00} off. We gave our credit card info and paid the amount. Not more than 10 minutes later, the representative called us back and stated that she did not have the authority to waive the {$100.00} and our account was NOT paid in full and we needed to pay it. I asked to speak to a supervisor and was put in touch with XXXX XXXX collections supervisor. I stated that I thought it was illegal to tell us the account was paid in full and then to call back and demand more money. When I threatened to file a complaint she said that the money would be waived. Now I find that she did not waive the XXXX and that our credit bureau account reflects that we failed to pay in full. When I called on XX/XX/XXXX looking for the letter that was promised, I was told the account was paid in full and the letter was on it's way. Today, I checked our credit and find that they lied and we still owe the {$100.00}!
Company Response: Closed with explanation
2018-04-25
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-04-25
Wesley Chapel, FL
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-04-25
Moreno Valley, CA
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-04-25
Phoneton, OH
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2018-04-25
Newark, NJ
False statements or representation
Debt collection: Credit card debt
Impersonated attorney, law enforcement, or government official
Complaint: I recently filed a CFPB complaint against XXXX XXXX and TransWorld for their abusive and unfair Debt Collections practices. Both cases were closed and I have new evidence that Tranworld is abusive and they are violateing the law. Attached will be the response from XXXX XXXX. They responded by attaching all paperwork pertaining to how my SSI Check is being garnished and it also shows as of XX/XX/XXXX my balance was {$2100.00}.
The paperwork that TransWorld sent shows a balance of {$2500.00}. This clearly shows the discrepancy in the amount owed. TransWorld called me approximately XX/XX/XXXX to collect on this debt when I refused to give them more money they added more collection fees. It drastically dropped my credit score ( 66 points ) and I'm in the home buying process. I would ask that this matter be referred to the FTC for further review. TransWorld is impersonating as a government official because my SSI checks are being garnished and I feel like the company is treating this debt like government debt when this is a store credit card debt.
Company Response: Closed with explanation
2018-04-25
Acton, CA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2018-04-25
Topeka, KS
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.
I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX service in question. I asked that those details be sent to me.
I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX stating a balance was owed.
I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.
Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers.
Company Response: Closed with explanation
2018-04-25
Gore Springs, MS
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2018-04-24
Indianapolis, IN
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX XXXX, sent a letter which was received on XX/XX/18, being the first communication with the company claiming it was collecting on claimed debt, on behalf of Indiana University. They claim a total debt of {$5200.00}, which I plan to fully dispute. As of Today, XX/XX/2018, I have not received a written notice containing information of a 30 day period to write the collector back for validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 809, ( a ) Notice of debt ; contents, Subsections 3 through 5. The initial communication letter did not contain the proper notice either. I have not taken any action as of writing this complaint.
Company Response: Closed with explanation
2018-04-24
FL
Struggling to repay your loan
Student loan: Federal student loan servicing
Can't get other flexible options for repaying your loan
Complaint: I attended the school and couldn't afford to keep going I dropped out of the school before the next semestar began and did the exit review in their financial aid office to not allow more money to be taken out for a loan. But, they took out the money anyway for the next semester and they are now not even contacting me to get this resolved. I have called them over five times and every time i called they were in a meeting which was their excuse. I even went to the school office and they did nothing either saying the same answer the person i need to speak to is in a meeting or on lunch etc. They sent this over to a collection agency even though they told me that I wouldn't get charged for the next semester. This is fraud and further ruining my credit.
Company Response: Closed with explanation
2018-04-24
Cheverly, MD
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: Transworld Systems has placed a collection on my report in the amount of {$300.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. This is the THIRD time they have done this and I am taking legal action. I do not have any knowledge of this alleged debt nor have I ever received services from Transworld Systems. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
Company Response: Closed with explanation
2018-04-24
Burlingame, CA
Communication tactics
Debt collection: Credit card debt
Used obscene, profane, or other abusive language
Complaint: I have a XXXX XXXX card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from XXXX XXXX and not from tsi. Tsi tells me its like XXXX-XXXX more then the statement says when I try to pay them. I called tsi again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number TSI and hung up. Here is the number XXXX
Company Response: Closed with explanation
2018-04-24
Sandy Hook, CT
Threatened to contact someone or share information improperly
Debt collection: Medical debt
Contacted you after you asked them to stop
Company Response: Closed with explanation
2018-04-24
Clayton, MO
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: This loan was sent to a company called XXXX XXXXXXXX XXXX XXXX XXXX for payment handling in approximately late XXXX or the beginning of XXXX. At that time, my automatic payment option was discontinued without any notice to me.
I received a bill from the company in XX/XX/XXXX, and paid this amount in full. On XX/XX/XXXX, I received a Notice of Past Due Account advising that my student loan payment had not been received and that I owed them {$53.00}.
When I called the company, I spoke with an employee named XXXX XXXX. He advised he had looked at the records and confirmed it was their error and I owed them nothing.
However, by the time I reached the office, I had an email from him indicating that I owed {$55.00}. I was not provided with any documentation showing why I supposedly owed {$55.00}.
When questioned further, he sent over statements from XXXX and XXXX that I had never received. The XXXX statement he sent indicated that I owed {$53.00}, not {$53.00} and not {$55.00}.
Further, the XXXX statement I had received at my house showed I owed XXXX cents. When I called the company upon receipt of that invoice, they advised this was in error and would be taken care of.
I have now been told twice that the bill was sent to me in error and I owe nothing.
In the alternative, I have been told that I owe : XXXX cents {$53.00} {$53.00} {$55.00} All except the XXXX cents took place within the last twenty-four hours.
I have complained to the company and asked for documentation. I have been told ( yet again ) that they've made a mistake, but I have received no documents supporting their most recent claim that I owe {$55.00}.
Company Response: Closed with explanation
2018-04-23
Manhattan, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Company Response: Closed with explanation
2018-04-23
Charlotte, NC
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-04-23
Euclid, OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: I paid this debt as soon as I received a bill from the medical provider. I paid it in full on XX/XX/XXXX. The statement was dated for XX/XX/XXXX. I then received a letter from the collection agency, Transworld Systems Inc., dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I sent them a letter with a copy of my payment after I called them more than 15 times and no one ever answered. The recording would tell me the person at extension ( then give a very long extension number ) was unavailable. Please leave a message. Then the recording would say the mailbox is full and can't accept any more messages. Then I received another notice dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I tried calling again and it was the same thing. I tried their website and the only option is to pay the debt, no way to dispute it. They gave me a registration number that also does not work for anything other than paying.
Company Response: Closed with explanation
2018-04-23
Seattle, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: In XX/XX/XXXX I took out a Private Student Loan with XXXX that is now being serviced by XXXX XXXX XXXX, XXXX ( XXXX ). After graduating and beginning to pay my student loans, my credit score dropped considerably. I viewed an in depth XXXX report recently that revealed this student loan is being reported by XXXX to the credit bureaus as a revolving line of credit instead of an installment line of credit as a student loan should be. XXXX is reporting the " current balance '' and " beginning balance '', which results in a 93 % credit utilization score on my report as if this is an open/revolving credit account that I can still draw funds from, which like all student loans I can not and have not been able to since graduating college. They are also reporting the loan terms as " revolving '' according to XXXX. The $ XXXX loan balance is lumping in with my credit card balance of revolving/ '' bad debt '', raising my total utilization percentage, and lowering my overall credit score. I wrote the following complaint to XXXX on XX/XX/XXXX : " Good afternoon, I am writing in regards to my XXXX student loan. I am contacting you because this loan is being reporting incorrectly to the credit agencies as a line of credit instead of a student loan. This is damaging my credit score due to the fact that it is being reported with an open/current balance and a " credit limit '', which appears to be the original loan amount, which is resulting in a Credit Utilization rating of 93 % as if this was a credit card or a revolving credit account that I could still draw funds from, which it is not. I can see that XXXX is reporting in the comments section " Credit line no longer available - in repayment phase ''. I do not understand how XXXX can be reporting this as a line of credit if in fact XXXX is aware there is no credit line available at this time, and is in fact reporting this information, although only as a comment. I would therefore like someone in your credit department to contact me as soon as possible to rectify this, as it has been damaging my credit score for a great length of time now due to the fact that this $ XXXX student loan is being lumped in with credit/revolving debt and driving up both my total revolving debt balance and my total utilization percentage. I would prefer to correspond via email and can be reached at XXXX. If that is not possible, I can be reached by phone at xxx-xxx-xxxx. Thank you, xxxxx '' I received the following reply on XX/XX/XXXX : " Dear xxxxx, Thank you for contacting XXXX XXXX XXXX.
We are correctly reporting the loan as a revolving line of credit for education purposes. It is not considered an installment loan. We have requested a status letter be Emailed to you that will list : both loan ID number & number for the Line of Credit, as this is what other lenders see ; Original date of loan, original balance, current balance, amount/date of last payment and next required payment date.
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST.
Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX XXXX '' I then received the Status Letter on XX/XX/XXXX from XXXX XXXX ( information below ) that stated the following : " This letter is in reference to the Line of Credit or Private Loan through XXXX. At your request, XXXX XXXX XXXX is providing the following information on the account. '' <my account number, loan date, original loan amount, interest rate, repayment schedule, current balance, last payment date, next payment date were all included in a table here> " This loan is in repayment status. The loan # xxxx and the line of credit # xxxx are one in the same.
If you have any additional questions, please contact us at XXXX.
Sincerely, Client Relations Department XXXX XXXX XXXX, XXXX '' XXXX XXXX Administrative Support Representative XXXX XXXX XXXX XXXX, XXXX XXXX Wi XXXX XXXX I have attached the " Status Letter '' mentioned above from XXXX received on XX/XX/XXXX as well as my " XXXX report '' from XX/XX/XXXX which includes a few pages to show how the XXXX loan is being reported as well as another private student loan for comparison.
Company Response: Closed with explanation
2018-04-23
FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally.
Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change.
I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion.
Since this was not my fault, it is not fair that my personal credit scores are being harmed.
Company Response: Closed with explanation
2018-04-23
Oxford, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: THey have now called me 6 times. i have reported a complaint now 4 times on this company. at this point i am hiring a lawyer.
Company Response: Closed with explanation
2018-04-23
Olathe, KS
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: I received a credit alert dropping adding this account to collections. I was never notified of this bill being sent to collections. I had been in contact with the original creditor back in XX/XX/2017. I was advised due to self pay that I could be offered a discount for services. I was sent some paperwork and that paperwork was then sent back to the XXXX XXXX.
I was never sent a bill for the amount in question nor was I notified that it was in delinquent status. I feel it is extremely unfair to have been billed to my credit report rather than giving me the opportunity to pay the debt. I have reached out to the collection company and have not got any help of prof of debt. I spoke with a supervisor by the name of XXXX XXXX. She refused to help me resolve the issue. Trans world only resolution is to pay the total amount due. The collection company that has added this derogatory debt is very rude and unruly, and unprofessional. I have tried to work with the collection company and I am not able to get resolution. I was told that it will continue to ruin my credit report ; even though I have not been notified.
Company Response: Closed with explanation
2018-04-23
Brockton, MA
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
2018-04-21
Bedford, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: IN REGARDS TO : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I REQUESTED THAT THE COMPANY DO A DEBT VERIFICATION AND VALIDATION AFTER I SEEN THIS REPORTING ON MY CREDIT FILE. I NOYFIED THE COMPANY THROUGH LETTER CERITFIED ON XXXX XXXX RECEVIED BY AGENT XXXX XXXX.I EXPRESSED IN THE DEBT VALIDATION LETTER AND DEBT VERIFICATION THAT I AM VICTIM OF IDENTITY THEFT AND THIS ACCOUNT THAT THEIR CONTINUING TO TRY TO COLLECT ON IS CLEARLY NOT MINES, AND CEASE AND DESIST REPORTING IT TO THE CREDIT BUREAUS.
MY REQUEST AND DOCUMENTATION OF THE ADDRESS THEY ARE REPORTING WITH THE ACCOUNT I HAVE NEVER LIVED AT WHICH MAKES NO SENSE I'VE HAD SEVERAL ITEMS IM FIGHTING ALONG WITH THEM FROM THIS SAME ADDRESS. IT HAS CLEARLY GONE UPON DEAF EARS. TRANSWORLD SYSYTEMS HAS YET TO PROVIDE ME WITH A ORIGINAL CONTRACT OF SOME SORT THAT HAS MY ORIGINAL SIGNATURE AND DO NOT PROVIDE ME WITH A BOLIER POINT BILLING STATEMENT OF CHARGES. ONCE AGAIN I'M SO UPSET ABOUT THIS AND IT'S APPARENT THAT WHEN YOU ARE A TRUE VICTIM OF IDENTITY THEFT AND YOUR IDENTITY HAS BEEN STOLEN NO ONE SEEMS TO CARE. THESE THEIVES WILL GO AS FAR AS TO PAY THE BILLS TO LIVE AS YOU.
Company Response: Closed with explanation