TRANSWORLD SYSTEMS INC

2018-02-24

Hollowayville, IL

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

2018-02-24

Manhattan, NY

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2018-02-23

Akron, OH

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

2018-02-22

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX, I received a call from TransWorld trying to attempt to collect a debt from me for a bill due to XXXX. I had no idea who these people are and called XXXX to confirm that my account is in good standing. On XX/XX/XXXX, I received a letter for the first time in the mail indicating that I owe XXXX {$180.00}. I proceeded to call XXXX to find out and after two rounds of transfers and a long hold, another representative got some info and indicated that I owe XXXX for a bill back in XX/XX/XXXX but was not able to give me any further details due to their new system. I was told someone will call me back the same day and give me more details. I have since to receive a call back from XXXX nor do I know what this debt is all about. I moved to California from XX/XX/XXXXand moved back to Maryland in XX/XX/XXXX. I also have a new XXXX account in my name about a year ago and they ran a credit check on my info. I am disputing this erroneous debt that they claimed to be unpaid in XX/XX/XXXX under my name when in fact I did not live in Maryland at that time.
Company Response: Closed with explanation

Timely Response

2018-02-22

Columbus, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Company called me 3 times in a row after hanging up on me the first time. This is harassment
Company Response: Closed with explanation

Timely Response

2018-02-22

Orlando, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-21

Boston, MA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: XXXX XXXX XXXX XXXX billed us {$310.00} and we paid it. There was a delay in paying in because XXXX XXXX XXXX XXXX made numerous errors on the original billing including billing us twice for the same thing. We spent many hours on the phone with them trying to fix their mistakes. We waited for them to correctly resubmit the insurance claim and not bill us twice for the same thing. Once these issues were resolved we promptly paid the {$310.00} bill on XX/XX/XXXX. I have a copy of the check that was cashed by them evidencing payment. However, XXXX XXXX XXXX XXXX still sent this to a collection agency, Transworld Systems Inc. These people are terrible. I promptly responded to their original notice from XX/XX/XXXX. They sent another notice on XX/XX/XXXX which I wrote a very detailed response explaining to them why I do NOT owe this money and I provided the evidence in the form of the cashed check. They sent me another letter dated XX/XX/XXXX still looking for the money. Now I have to waste more of my time and energy responding to them again. I do NOT owe this money and I will NOT pay it. I take my financial obligations very seriously. I pay all of my obligations on time every time. At this point, XXXX XXXX XXXX is harassing me and trying to extort money from me for something I already paid.
Company Response: Closed with explanation

Timely Response

2018-02-21

Written notification about debt

Debt collection: Private student loan debt

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

Timely Response

2018-02-21

Parlin, NJ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-02-21

Lakeland, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-21

GA

Written notification about debt

Debt collection: Private student loan debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX obtained lawyers to sue me about a student loan debt and they also turned my account over to Transworld Systems for collections. They are reporting to the credit bureaus monthly that the debt is delinquent and have never notified me of the debt. I obtained a lawyer for fight my lawsuit with XXXX XXXX but don't understand how they can sue me and use this collection agency to ruin my credit. I just received a letter from my attorney for a stay in my court case. But as of XX/XX/18 this collection agency has reported again that I'm delinquent and for an amount that I know is not correct. I asked my attorney to have them prove they owned this debt. I have never received anything from Transworld to dispute this debt. They have never contacted me.
Company Response: Closed with explanation

Timely Response

2018-02-20

Leesburg, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-20

FL

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Complaint: Called sister out of state looking for my phone number to collect.
Company Response: Closed with explanation

Timely Response

2018-02-20

GA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Invalid XXXX lawsuit Compliant : Please help me. ( Reference : Federal Consent Order Against XXXX, Case XXXX : XXXX : XXXX ) I was served with a Summons to answer a complaint within 30 days after service of the summons with a General Civil and Domestic Relations Case Filing in the State Court of XXXX County, State of XXXX. CFPB currently has an active Federal Consent Order where XXXX agreed to these and many more Enforcement terms : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. Stop filing false or improperly notarized legal documents : Under the terms of the proposed final judgment and the consent order, the companies are prohibited from filing false or misleading legal documents and are required to ensure all documents that require notarization are properly notarized. This complaint filed against me is for a private student loan that I had difficulty determining what my balances where and paying back on time. I tried to reconcile balances from the lender for which they never responded ( 8 ) eight years ago. I have no idea who owns the loan, I have no idea what my true balances are. They never responded to my many written requests. This complaint is invalid because the debt is outside the statute of limitations for the State of XXXX ( where the debt occurred ) and the State of XXXX ( my current residence for 4+ years now ). I have not made a payment in over ( 7 ) years. The debt collecting attorney has filed false documentation by providing a transaction history list of payments that I did not make from XXXX to XXXX in an effort to persuade the court that they have justification for filing a lawsuit and to give them a judgement for wage garnishment. This document is completely false. They could not possible provide a banking transaction document that proves that I have made payments. Also, there is no clear change of ownership title. I have no idea who actually has the right to collect on my XXXX XXXX private student loan. I don't know how an officer of the court, a licensed attorney can get away with filing fraudulent documentation to the court without being disbarred. I read the XXXX Consent Order with XXXX where these complaints were addressed and XXXX has agreed to STOP debt collections actions via lawsuits. However in this case they seem to be ignoring the Consent Order. I looked up the Loan Agreement numbers listed in the Consent Order. Listed in the debt collection attorney exhibit is a sale agreement with the number XXXX XXXXXXXX, which matches and would mean that the loan they have listed is covered under the Consent Order XXXX has agreed to. Can you contact the debt collection attorney and ask him to abide by the federal Consent Order and withdraw his complaint before XX/XX/XXXX? This is the date I would otherwise have to file a response to the complaint to the court to prevent an illegal wage garnishment. 1 ). My XXXX XXXX private student loan is outside the statute of limitations. 2 ). Documentation filed with the Summons is completely false. 3 ). I don't have a loan agreement with XXXX, I have no idea who has the right to collect on my private student loan. I don't have any documentation from the original lender stating this loan is to be paid to someone else. Can you contact the XXXX debt collection attorney and ask him to withdraw his false court claim and to abide by the your federal Consent Order? XXXX XXXX XXXX, XXXX. XXXX Bar No. : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2018-02-19

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I sent a letter to Transworld Systems Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the three credit bureaus that I am asking to be deleted.
Company Response: Closed with explanation

Timely Response

2018-02-18

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was involved in a car accident that was not my fault. The at fault party insurance paid my rental car bill I am being billed for no reason the insurance company paid all fees
Company Response: Closed with explanation

Timely Response

2018-02-18

Rolla, KS

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: Paid off the debt because it was affecting my credit score. But the company has refuse to remove the collection debt from my credit score. I have called them several times but they refuse to remove it from collection even tho I already paid them. The company is transworld systems inc. I paid the debt collection so my credit score would improve. But they refuse to remove the collection. And it's still affecting me allot.
Company Response: Closed with explanation

Timely Response

2018-02-18

Murrieta, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-02-17

Lancaster, PA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: The phone calls need to stop. First call : XX/XX/XXXX. I was working. Ignored. Second call : XX/XX/XXXX. I was working. Ignored. Third call : XX/XX/XXXX. I was working. At this point I was going to tell them to leave me alone. Fourth call : XX/XX/XXXX. I was working, but I told them to stop calling me especially during work hours. Fifth call : XX/XX/XXXX. At this point I told them if they called me again I was going to report them because I am on the donotcall list and I requested to be left alone. They called again twice today at XXXX XXXX. No response, I ignored them.
Company Response: Closed with explanation

Timely Response

2018-02-17

Bloomington, MN

Incorrect information on your report

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

Account status incorrect
Complaint: My account with TransWorld inc for ( purchasing power ) is Paid in full. Not sure why this is the 3rd complaint I am filing in this credit reporting agency. But I am now requesting this gets further filed with fraud department. I no longer want to proceed with keep filing complaints at this time, they are constantly reporting inaccurate information on report, which is effecting my name. Please refer to 2 complaint filed on this same agency-TransWorld inc. I have paid in full my account. 1st payment on XX/XX/XXXX of {$620.00}, 2nd payment for remainder balance {$300.00}. Today my credit report shows a NEW report again from this agency, not surprising at all? Because they have been making fraud statements on my report, first report there was nothing reported to my credit report, sent a complaint with an attachment showing it was on my XXXX report. Now that is paid I show a NEW collection has been added to my report on XX/XX/XXXX. How is this possible when you got paid in full and sent a letter stating I paid in full. PLEASE VIEW ATTACHMENT AGAIN where this is now on my XXXX! If this is resolved accordingly with all 3 complaints I will move forward with an attorney, because consumers has rights to fair reporting. Thanks. ( Please do not delete complaint ) sent on : XX/XX/XXXX @ XXXX
Company Response: Closed with explanation

Timely Response

2018-02-16

Houston, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-02-16

Elkton, MD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-02-16

MN

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: XX/XX/XXXX For the last several months I have received a daily recorded phone call from a company called XXXX XXXX XXXX XXXX XXXX. The message states this is XXXX XXXX XXXX and you need to call XXXX and reference ID number XXXX. Ive ignored it over and over and over knowing that I had no debt to be collected and assuming it was a scam. Finally after being woke myself on a day off and having the grandchildren woke up when visiting I decided to call it back and see if I could get it stopped. On XX/XX/XXXX I called them back. They refused to let me talk to a XXXX XXXX XXXX and XXXX insisted she could take care of the matter. I gave the ID number and they were looking for somebody named XXXX. I informed them there was not and have never been anybody named XXXX at this number and to please stop calling. They told me they would remove our number. Again this morning they called leaving the same recorded message more than 24 hours after I ask them to remove our number. I called them back and got a gentleman that I couldnt understand and again ask for XXXX and was told that he doesnt talk to people. He only leaves messages but they would let me talk to a supervisor. I got somebody that told me her name was XXXX XXXX. She told me that she would remove our number and it would take 24 hours ( same story I got more than 24 hours ago ) and that if they called again I could call XXXX. I informed her I was filing a complaint against them because I had already ask them to remove my number and told her I was turning them in as a scam company since they had nobody there named XXXX XXXX XXXX. She tells me they do have that person but he only leaves messages. To repeat and be clear the message we get it recorded and not a personal message. She then just talked over me telling me a scripted message about them removing the number in 24 hours when it has already been more than 24 hours since I ask them to remove my number. They call from one of 3 numbers : XXXX XXXX XXXX The follow is the dates and times I have that they have called dating back to XX/XX/XXXX. Unfortunately I had deleted anything further back than that. XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I looked them up online and it appears their mailing info would be as follows. Transworld Systems XXXX XXXX XXXX XXXX XXXX, DE XXXX
Company Response: Closed with explanation

Timely Response

2018-02-15

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: The original creditor is " XXXX XXXX XXXX '' and I have contacted them via telephone and was told that they had billed a different source responsible for my services than the usual one and that they would correct the billing to the one they usually billed.I was told that they would notify " TransWorld Systems Inc '' to Cease and Desist immediately.TransWorld Systems has reported this account to the CRA 's as a COLLECTION ACCOUNT to my credit files in the amount of {$1700.00} which has had a damaging effect to my credit record with the ( 3 ) reporting agencies.
Company Response: Closed with explanation

Timely Response

2018-02-15

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Complaint: I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to XXXX XXXX XXXX XXXX for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
Company Response: Closed with explanation

Timely Response