TRANSWORLD SYSTEMS INC

2018-04-21

DE

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I received a notice about a debt I supposedly owe to a company named TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX XXXX. I believe that I do not owe the debt they are claiming that I owe. The letter they sent me is very vague and they are saying that I owe {$43.00} which is a very payable amount. I can't imagine that I or anyone would allow such a small bill to go to collections. That seems crazy to me. When I searched online for information about TRANSWORLD I saw some lawsuits and scam reports that have me highly skeptical and I wonder if this is really a phishing scheme for a group that is trying to steal my identity. Lastly, there are three different addresses on the letter for them. One listed above, one where I am supposed to send my payment TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX and yet a different address for where this bill was supposedly sent from, also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE.
Company Response: Closed with explanation

Timely Response

2018-04-21

Snellville, GA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted you after you asked them to stop
Company Response: Closed with explanation

Timely Response

2018-04-20

Bowie, MD

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-04-20

Everett, WA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-04-20

IA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: Received phone a phone call last week from Trans World Incorporated regarding a debt. Informed them at that time that I was on medical leave with no income, would make a payment when able. Received a phone call XXXX from trans world on line XXXX at XXXX and was hung up on. Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected. Return the phone call, am identified and disconnected. Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date. The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today. I did offer to send blood. I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt. I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”. I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word. I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader. I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact. She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks. I was not offered a post dated payment option. I was not offered a payment plan. I was only offered / demanded payment in full today.
Company Response: Closed with explanation

Timely Response

2018-04-20

Avalon, PA

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2018-04-19

Houston, TX

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-04-19

Portland, OR

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie. I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.
Company Response: Closed with explanation

Timely Response

2018-04-19

Carol City, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2018-04-19

Silver Spring, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-18

Flor, MO

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-04-18

San Gabriel, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have requested to have an unfamiliar debt verified. I did not receive any validiation, i.e. signature, contract, copy of ID. on XX/XX/18 I mailed a certified request of validation. I received a letter from them and they just verified my name and " total balance due ''
Company Response: Closed with explanation

Timely Response

2018-04-18

MN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ). I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX. On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX. I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone. This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.
Company Response: Closed with explanation

Timely Response

2018-04-18

Oxford, GA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Re : Erroneously Classified Defaulted Perkin Student Loans I would like to report suspicious activity and/or an alleged scam on behalf of XXXX College at XXXX XXXX located in XXXX XXXX Massachusetts. I am applying to graduate school and to my surprise I discovered through a FAFSA email on XX/XX/XXXX that I am ineligible for federal student aid because I have student loans in default. According to the XXXX XXXX, I have two Perkins Loans in default, as last reported on XX/XX/XXXX. Loan 1 is for the amount of {$2000.00}, disbursed on XX/XX/XXXX Loan 2 is for the amount of {$1500.00}, disbursed on XX/XX/XXXX. These loans were acquired while I attended XXXX College at XXXX XXXX at the age of XXXX. I am questioning the practices that were employed on my behalf, when I was an underage non-traditional XXXX XXXX. I am unaware that these loans were not included in the forbearance/deferment programs my federal loans are under. To date, Ive never received any repayment communications from XXXX College at XXXX XXXX and/or their associated loan servicers. XXXX College at XXXX XXXX Financial Aid department has had consistent staff turnover, and the Financial Aid Director has changed each school year. I have never seen or signed my financial aid paperwork in-person at the schools office or been given any copies of digitally signed documents. In addition, my financial aid package fluctuated each semester, covering a different portion of my tuition and fees, with unclear processes to continue my enrollment. I am unable to locate these loans in order to petition the default status and make subsequent appropriate repayment arrangements. These loans servicer, according to Federal Student Aid, is XXXX College at XXXX XXXX and the listed phone number to contact is XXXX Therefore, I contacted the XXXX College at XXXX XXXX Financial Aid office onXX/XX/XXXX. I was referred to XXXX XXXX to resolve my problem. I followed up with the number I was provided with. I then discovered, XXXX XXXX is no longer a company and these loans were transferred to XXXX XXXX. Next, XXXX XXXX informed me that my account has been transferred to Transworld Systems Inc. According to Transworld Systems Inc, my account is inactive. I am now in jeopardy of a wrongful lawsuit or wage garnishment from a debt collector/ loan servicer to no fault of my own.
Company Response: Closed with explanation

Timely Response

2018-04-18

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Got a pre recorded message from Transworld Systems Inc on the XX/XX/XXXX. This is not the first time they have called. I called number back and was told i do not have a file with them. I have asked them numerous times to put me on their do not call list to no avail
Company Response: Closed with explanation

Timely Response

2018-04-17

NJ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have attempted to satisfy my past due toll amounts with the XXXX ( XXXX XXXX XXXX ). While in communication with them, they informed me, Transworld Systems Inc was handling the collections. XXXX, stated they can not process the payment. I proceeded to contact, Transworld Inc. At that time they informed me my balance totaled {$1300.00}. Of that amount {$170.00} was the " actual '' toll amount and {$1200.00} were " Processing '' fees. As our discussion continued i asked Transworld if they " owned '' the debt. They informed me they do NOT own the debt and are just a collection agency.
Company Response: Closed with explanation

Timely Response

2018-04-17

NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Date:XX/XX/2018 Amount : {$100.00} Debt Collector : Transworld System Inc Creditor : XXXX XXXX XXXX XXXX They mailed a letter saying that I missed a toll or so they said because they had my address incorrect in there system. I never received the mail. They then send another notice which I received and called them. They admitted they had the wrong address in the system. They however did not take off the {$100.00} penalty. These actions are unlawful and demeaning. I called several times and everyone I spoke to is so rude and does not want to help me out even tho I have an XXXX XXXX in good standing and never had an account issue. Please help me. Thank you
Company Response: Closed with explanation

Timely Response

2018-04-17

Montclair, NJ

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-04-17

Detroit, MI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-04-17

Hamburg, MN

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-04-16

Hampton, VA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-16

NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Health Insurance Claim submitted on XX/XX/XXXXfor XXXX XXXX. Insurance received 2 claims for that day, both under billing for XXXX 1st ) Amount paid was {$91.00} 2nd ) Amount paid was {$50.00}. Total paid was {$140.00}. No CoPay charges. Collection agency claims creditor ( XXXX XXXX - XXXX XXXX ) submitted claim for {$71.00} and my Insurance paid {$61.00} and the {$10.00} difference was a CoPay. Insurance has no record of any claims for that creditor, and I had no copay deductible for that period. This claim is fraudulent or incorrect by the creditor.
Company Response: Closed with explanation

Timely Response

2018-04-16

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-15

Arlington, VA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I received a phone call from a male asking me for my date of birth to confirm a debt a I owed. I told him I do not give out personal information like that to a random person I don't know over the phone. He then stated he was from transworld systems collecting for a {$380.00} debt for XXXX XXXX hospital. I relayed to him that I've paid all bills I've ever owed. He said the outstanding invoice did not include an apartment number and an incomplete mailing address for me, which is why I never received the bill. I gave him the correct address to mail me the bill and any correspondence related to what he claimed I owed. As of XX/XX/XXXX, I still have not received anything in the mail. Upon obtaining a copy of my credit report, I saw that transworld negatively marked it up multiple times prior to XX/XX/XXXX. I went to their website to try to contact them or call, but the website contains no phone numbers or means of contacting them to request again the information they are trying to bill me for.
Company Response: Closed with explanation

Timely Response

2018-04-15

Penn Yan, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response