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 69
2018-01-18
Shulerville, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On Tuesday XX/XX/XXXX I received the first phone message from Trans World Systems Inc., ( these are calls to my home number, that I do not answer, allowing calls to go to voicemail. ). The message was from XXXX XXXX at XXXX. I returned the call, XXXX XXXX was not available, they asked for my phone number and was told that I do not have an account with them. They must have dialed the wrong number. After receiving a call on XX/XX/XXXX I spoke with XXXX XXXX XXXX explaining that this is not my debt, please do not call again. I was told that my number would be removed. On Wednesday XX/XX/XXXX. I was called twice at XXXX XXXX and XXXX. I returned the call, explained previous conversations, and was told they were calling for a XXXX XXXX. I again said that there was no XXXX XXXX living here and to please remove my number. This same conversation was repeated again on Thursday XX/XX/XXXX.at XXXX XXXX, Saturday XX/XX/XXXX. at XXXX XXXX., Sunday XX/XX/XXXX. at XXXX XXXX., Monday XX/XX/XXXX.at XXXX XXXX. On Monday XX/XX/XXXX at XXXX XXXX.I again asked to have my number removed from their calling list. I was then given the names of two other people on their call list. I repeated to please remove my number and also asked for an alternate number to call if I received more calls.I then called XXXX at XXXX XXXX. and was assured that my number would be removed and I would not receive any more calls after 24 hours. Tuesday XX/XX/XXXX I received a message to call them giving me a ID code number of XXXX.Again calling on Wednesday XX/XX/XXXX. at XXXX XXXX. and this morning at about XXXX XXXX, I just deleted the message without bothering to return the call. At XXXX XXXX.I received another message .Every time that I call them and ask to speak to XXXX XXXX XXXX which is who I am supposed to talk to, they say he is unavailable. I explain that perhaps XXXX XXXX is not getting the message that he needs to stop calling me. I am not returning their calls, it is pointless to keep going through the same song and dance on a daily, sometimes several times daily with them. This is total harassment considering that we have had this same conversation so many times and have repeatedly requested they remove my number and stop calling me. Trans World Systems Inc.
XXXX. XXXX XXXX XXXX DE XXXX XXXX.
Company Response: Closed with explanation
2018-01-17
Denver, CO
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I came to CFBP regarding this very matter in XXXX. Now CFPB has initiated this ...
" CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} Million and Stop Suing for Invalid or Unverified Debts XX/XX/XXXX '' I understand that the CFBP could not assist at the time for whatever reason in XXXX referencing case number : # XXXX. When I came to CFPB asking for the assistance. After I did my research I found that I never even knew XXXX XXXX XXXX XXXX XXXX. and that I had never had any dealing with them at all. I am requesting that CFBP add XXXX XXXX XXXX to the above referenced publication on the CFPB website.
Company Response: Closed with explanation
2018-01-17
Cedar Mill, OR
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-01-17
Centennial, CO
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.
Company Response: Closed with explanation
2018-01-17
Brentwood, NC
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Company Response: Closed with explanation
2018-01-17
La Marque, TX
Communication tactics
Debt collection: Private student loan debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-01-17
Knoxville, AR
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-16
Lester, WV
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: I have received 16 calls in 3 weeks attempting to collect a debt for someone who does not live at my home. I have told the caller to stop calling but they continue. The calls come from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are very rude. I can not help them but they persist.
Company Response: Closed with explanation
2018-01-16
Daniels, MD
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-16
Oceanside, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-01-16
Harvester, MO
Communication tactics
Debt collection: Medical debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2018-01-15
Sylvania Township, OH
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Over the past 3 years I have experienced life changing events that have caused me to have difficulty to make my student loan payments in a timely manor. I have been through a very costly divorce and custody battle with my ex-husband after 10 years of marriage. I had contacted XXXX the servicer of my XXXX XXXX XXXX loans on multiple occasions requesting help with my student loan payments. There were no options available to me other than to pay the payments set. In XX/XX/XXXX I was unable to make the payments. The accounts serviced by XXXX for XXXX XXXX XXXX defaulted after 120 days of non-payment. I was able to locate that my loans were in default status with a collections company called XXXX, XXXX XXXX XXXX. In XX/XX/ I made a {$2300.00} payment to XXXX XXXX XXXX over the 5 loan origination 's to bring them current. I requested a reasonable payment plan and for my loans to come out of default status if I brought them current on the past due payments. I had brought the past due amounts current in XX/XX/XXXXand I was willing to resume payments. The collections agency XXXX XXXX XXXX on behalf of XXXX XXXX XXXX refused to work with me. They continue to threaten me that the entire balance due of {$36000.00} is due immediately. They threaten me with wage garnishment and that these loans will stay on my credit report until the full amount is paid. I have paid XXXX XXXX XXXX for almost 9 years. The payments have been consistent. This company is being unfair, unrealistic and abusive. It is not practical for me to come up with {$36000.00} when I have been struggling to make my minimum monthly payments. I have investigated that many companies will bring an account out of default and negative credit reporting when the account is brought current. This company is refusing. They threaten to ruin my life and my financial stability for many years to come. Even though I have made an evident effort to reconcile my debts. When I called XXXX & XXXX the first week in XXXX to make a payment. The representative refused my payment and told me to just mail it in. This makes it appear as if my payments were even more sparse. I know they are able to accept payments by phone because they took my payment of {$2300.00} by phone. I assume since the payment was much smaller in scale. It was not worth the representatives time. I am absolutely disgusted. I have been a good payer of my debt to this company for 9 years. Now my life and my children 's life will be ruined for ten plus years because they refuse to work with me.
Company Response: Closed with explanation
2018-01-14
San Antonio, TX
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2018-01-13
Windsor Castle, PA
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-01-12
Las Vegas, NV
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-12
Indianapolis, IN
Attempts to collect debt not owed
Debt collection: Private student loan debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I can provide any documentation/specific information needed for these cases, please just let me know what you need. I have 7 binders full of paperwork ... too much information to include here.
The facts : 7 separate cases filed against me, under the following variations of XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX *Current alleged total of all loans is over {$190000.00} and continues to accrue interest. This is more than double the original amount.
Our situation : In XX/XX/XXXX-XX/XX/XXXX, I took out loans to help pay for living expenses during college. In XX/XX/XXXX, after our family business went under, we had to declare bankruptcy. Our no asset Chapter XXXX was discharged in XX/XX/XXXX, but that did not help with the loans as they were classified as private student loans. We have continued a slow but steady income increase since that time ( currently up to $ XXXX/year as a family of XXXX ), but due to life circumstances ( cars breaking down, household repairs, medical issues ) we just barely squeak by with month to month finances. We have already cut back on all extras. If we are faced with a garnishment or bank levy ( which is seemingly more likelyas we have multiple judgements against us from these loans ), it would destroy our ability to squeak by.
Our issue : As I said, inXX/XX/XXXX-XX/XX/XXXX I took out loans to help pay for living expenses during college. These loans were advertised as alternative education loans, which could be used to pay for living expenses, past tuition, and study abroad programs. They were not certified through the school, but instead required me to simply send in a copy of my schedule for that semester. They mailed a check directly to me, in my name. It never went through the school or financial aid office. Im stating all of this because from the research Ive done, these loans do not qualify as true education loans per the bankruptcy code. Therefore, beyond the issues with credibility of their documents in the cases against me, I believe these loans should have been discharged in our XX/XX/XXXX bankruptcy and this whole mess never should have wasted the courts and our time. I can point to exact portions of the bankruptcy code to support this claim, if neededplease just ask.
In XX/XX/XXXX, XXXX XXXX XXXX ( from here on XXXX ) filed suit against me, combining 2 loans into one lawsuit under the plaintiff XXXX XXXX XXXX XXXX XXXX XXXX-I. I answered, and filed pro-se as I could not afford a lawyer and every lawyer I talked to at the time wasnt interested in pursuing the case. After 2 years of back and forth with XXXX within the courts, I lost after representing myself at the bench trial. Their proof of chain of assignment was a self-produced document which they claimed ( through a shady affidavit from XXXX XXXX XXXX ) was a redacted Schedule 2. Dates on this document make it impossible for it to be what they claim ( A create date of XX/XX/XXXX, when the pool supplement XXXX claims it is a part of is dated XX/XX/XXXX, for example ). I questioned the document at trial, and even asked the affiant under oath if she had ever worked for the original creditor on the promissory note provided in the complaint ( XXXX XXXX ) and she admitted that she had not. Still, I lost. I attempted to appeal, but the judge did not approve in forma pauperis status, and I could not afford the filing fees to continueso it was dismissed. I am not employed, ( I have XXXX children and childcare would negate any salary I would make ) so they can not garnish my wagesbut my husband is employed and I live in fear that they will levy our bank account.
This is just one case. There are 6 more ( all of which are against both myself and my husband, as he was a cosigner ). 4 of them we have fought pro-se in the courts through to bench trial, with the same result. 1 of them ended in a summary judgement in favor of the Plaintiff because we were never served with any paperwork until we received the order granting summary judgement in XX/XX/XXXX. 1 case is still active, with the last activity being our response to Plaintiffs discovery and our own request for discovery ( which was never answeredand never has been in any of these cases ) in XX/XX/XXXX. All of them have failed to produce an actual copy of the schedule 2 listing my loan as one of the pool involved. There are various forms of computer generated documents that they claim are this schedule 2, but none of them state that they are the schedule 2, nor are they verified or certified by someone other than an affiant from XXXX XXXX XXXXXXXX, and they all have glaring issues regarding credibility.
I am hoping there is something the CFPB can do to help us. Or guide us. We dont have thousands of dollars to spend on a lawyer, but it is obvious that the courts do not take pro-se defendants seriously. My mental health can not continue to fight this when the outcome is always going to be in favor of the big company that can spend money on lawyers. Please help.
Company Response: Closed with explanation
2018-01-12
Portland, OR
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2018-01-12
San Jacinto, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I received a collection letter from Transworld Systems and a treath for wage garnishment for something I dont have a record that I owe money. I have no idea who they are at why am I being harassed by these company?
Company Response: Closed with explanation
2018-01-12
Tampa, FL
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2018-01-12
Franklin D Roosevelt, NY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-01-11
San Gabriel, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Trans world systems. This company has been calling for over 2 years and overtime I have asked to remove me they state that it will take 24 hours and call me right back the same day and the day after. They call every day even after i called for a week straight to request to be taken off and they say the same thing. They are calling asking for a person we do n't know.
Company Response: Closed with explanation
2018-01-11
San Francisco, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-01-11
Arbutus, MD
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2018-01-11
Laurel, MD
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-01-10
Spfld, MA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation