TRANSWORLD SYSTEMS INC

2019-09-19

Cheshire, OR

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: Over the last few years I have received countless calls ( 100? frequency has been increasing this year ) to collect debt from " XXXX XXXX. '' I am not XXXX XXXX. The only XXXX XXXX I know was from high school in the XXXX. I learned last week that XXXX XXXX 's debt is associated, at least in part, with medical service or equipment. I learned this by calling the number XXXX and found out it is XXXX XXXX. I was informed my phone number would be removed from XXXX XXXX 's record. The next day Transworld called again and when I complained, told me it could take 24 hours for the database to catch up. Well, this morning I got another call for XXXX XXXX from a company that would not identify itself. I found out debt collectors do not have to honor a do-not-call registry. [ insert swearing here ]. So I'm filing a complaint.
Company Response: Closed with explanation

Timely Response

2019-09-19

MI

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Complaint: Prior to XXXX XXXX I had payment arrangements in place. The payments were taken from same credit card after XX/XX/2019, BEFORE XX/XX/2019, TSI did not have permission to contact me by phone because I stated it would cause problems with my XXXX. But because I was having communication issues and had a problem with my credit card before I respectfully told TSI about my concerns, my XXXX, and wanting to have a good line of communication to prevent any misunderstandings ; I gave them permission to please contact me to reinsure security of my account. But I asked them to respect, understand, note, my XXXX issue and please contact me after XXXX hour. On or around XX/XX/2019 TSI tried taking payment from the credit card on file. I had made a mistake and forgot to put payment on my account that week. I had a two court appearances on XX/XX/2019 and XX/XX/2019. For some reason the stress related to my case causes me to become ill after. However I forgot and didnt pay. I realized the mispayment the following week around XX/XX/2019. On or around XX/XX/2019 at about XXXX ( I was intending to call after XXXX when I thought they were open. In the past I usually contact them to confirm payment and discuss my account they did not have permission prior to then to contact me by phone ). The Agent was rude, would not identify herself, disrespectful at XXXX XXXX. The Agent misrepresented my Delinquency. Misrepresented and said I had not paid in months. At this time I should have been 8 days behind. After getting misrepresented information, and a negative agent I responded by telling her I have to confirm my last payment date. Because I knew I did use an alternative account once. I checked my records and confirmed I made a payment in XX/XX/XXXX and the only payment missed was XX/XX/XXXXand returned a call to TRANSWORLD SYSTEM Inc. I talked about the the payment confusion. The negative agent, and my XXXX and asked to speak with a manager. After several phone attempts I spoke to a better Agent or manager, told them of my issue and was able to set up a payment to be taken out on XX/XX/2019. However, for some odd reason my credit card information was incorrect. I have used the same credit card information several times before. By coincidence after complaining about my experience, they werent able to take payment. After checking with XXXX XXXX the reason was because the wrong expiration date was given. TSI enters this information. On XX/XX/2019, after noticing the payment had not been drafted I contacted TSI to find out why. Their response was that they werent able to collect payment, and they are now proceeding with garnishment. I then verified with them and my bank why the mishap happened. TSI refused to take any responsibility of what is going on. I also asked TSI to please verify the Debt. I have not received TRUE VERIFICATION. TSI has mislead, misrepresented my payment history several times. TSI has misrepresented the actual Origin of the Debt terms. TSI was abusive, mean, untrustworthy, after I allowed them to contact me for the first time by phone on or around XX/XX/2019 and after. I believe they were offended by my complaint. Have retaliated against me by pursing garnishment and would like to know why my Credit Card Information was in correct on XX/XX/2019. TSI did not give me other options to pay to protect my identity. Did not fully brief me about proceeding to garnishment if the payment didnt post properly by XX/XX/2019. On XXXX XXXX I made a courtesy call to find out what happened. At that time I was threatened and told I exhausted my options, and its nothing I can do. I believe I am a victim of FDCA, they are violating their use of authority. I am a FRAUD VICTIM. My credit card has been compromised and changed more than 4 times this year. I have extended FRAUD ALERTS on my account. I do not fully know if my FRAUD ALERTS, are causing issues with them collecting payments. If its the Automated System, or a disgruntled employee. However the money was on the account prior to XX/XX/2019 and still there on XX/XX/2019. I verified the reason why the transaction failed with TSI and XXXX XXXX on a 3way call. There was no resolution : 1.TSI is in violation of FDCA 2 . TSI are using abusive Communication Tactics. 3.TSI are making False and misrepresented information 4. TSI Isnt being truly forthcoming concerning the Debt, and collection of the Debt 5. I have not received proper VALIDATION OF DEBT I have attached a copy of my Fraud and IdentityTheft and Two past payments taken from same account that was attempted on XX/XX/2019
Company Response: Closed with explanation

Timely Response

2019-09-19

Grand Prairie, TX

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-09-19

Spring, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Trans World Services has been calling me for 4 years to collect a debt by a person that previously had my phone number. I tell them every time that they have the wrong number and they continue to call me. I am getting phone calls with an increasing frequency.
Company Response: Closed with explanation

Timely Response

2019-09-19

Albuquerque, NM

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I send a letter on XXXX o f which they received XXXX asking for my medical release forms in which I authorize third parties to have my medical information release with my signature on it included. I had given them 15 days to send them back to me or cease and desist from pursuing the alleged debts also erase all negative remarks from all XXXX credit bureaus. today is XXXX had not receive nothing not even a letter of acknowledgement, no negative remarks on credit report remove or Hippa medical relese forms of which by law they must provide upon request - >. I will upload the letter I send via certified mail with return receipt thx
Company Response: Closed with explanation

Timely Response

2019-09-19

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-18

Queens, NY

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/XXXX at XXXX ; XXXX XXXX a guy called me telling me he is from Transworld System to collect a debt from XXXX XXXX. I was asked for personal information. I did not disclose because I do not know who this person is or if XXXX XXXX actually hired them. The guy started to get hostile and informed me that without my personal identification - he can not disclose any information even basic ones such as which location of XXXX. I asked him for XXXX contact number so I can call and verify - he refused to give me and got more rude and hostile and said " I don't care - do whatever you want to do. '' He demanded information accusing me of have getting billing mail from XXXX XXXX. I advised I moved addresses this year. He did ask but demanded my home address. Once again I have declined because I do not know who he is and if indeed XXXX reached out to them and not familiar with nature of call. Right after within 5 minutes I kept getting the same call at work. This is form of bullying and harassment. I have every right not to disclose personal information such as date of birth and social security number.
Company Response: Closed with explanation

Timely Response

2019-09-18

Urbandale, IA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: On XX/XX/XXXX I notice in my billing that the Variable interest rate did not drop with the most recent fed rate drop. I reached out the the service providor asking about the loan inerest rate. Twice I was told within 10 minutes of my submission that they just service loan and was not able to help with inetrest rates. I am not asking them to drop the rate but I do expect them to inquire to the lender who is issuing the loan to verify the information they are charging. They don't care if you are over charged because they are going to make their money ethier way.
Company Response: Closed with explanation

Timely Response

2019-09-17

PA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: When I checked my credit report on XXXX XXXX, it showed that I had 2 derogatory remarks from unpaid medical bills totaling less than {$400.00}. I learned my debt from XXXX was sold to Trans World Systems. The 2 unpaid bills were from XX/XX/XXXX and XX/XX/XXXX. I called TransWorld in XX/XX/XXXX, and asked about the debt I owed they said I have no outstanding debt with them. I told them my credit report shows otherwise. Then went in to say I had nine ... wait no, five accounts, wait ... I think theres just three? ... I was a little unsettled about the fact that they were so unsure about the debt accounts and amount owed I asked them to send me verification of the debt. They said I would receive it in the mail in 10-14 business days. I never received anything in the mail. On XX/XX/XXXX I called TransWorld again, this time I was prepared to just pay any debt just to get it off my report. Only, once again, they couldnt tell me how much I owed and what accounts were mine. I asked they just send me something in the mail that says if you pay $ $ $ then, we will take these marks off of your credit report ... they countered with if you pay $ $ $ then well send something that says well take it off of your credit report. How do I know what I owe?! They dont even know what I owe! They said they would send me verification in 10-14 business days. I said you told me that last time and I never received anything ... they told me they had no record of me ever calling. This didnt surprise me. Good thing I didnt pay them money in a promise Id receive something in the mail saying it was off my credit, because it seems they never send mail at all. Its now been over a month since I spoke to them on the phone ... I still have yet to receive anything in the mail.
Company Response: Closed with explanation

Timely Response

2019-09-17

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I signed up with XXXX XXXX to check out their Lawn care service and pre-paid in full for One year of service upfront. At the end of the one year of service, I decided to not renew. I had numerous calls from various people in XXXX XXXX asking if I wished to renew their service. I communicated that I was not interested in renewing their service. After a few days I got a letter from them stating that I owe {$170.00} for services rendered this year and if it is not paid, it would be sent to collections. Please note that I had explicitly signed up and pre-paid up front for only 1 year of service. Thinking that this was a mistake, I called them back about it and they said that nobody informed them that I did not want to continue their service and so I owe them this amount. I responded again that I was not interested in renewing their service for another year, and also let them know that I am not paying the {$170.00} because I did not authorize or even request additional service. XXXX XXXX decided to send this " debt '' of {$170.00} to transworld systems for collections anyways.
Company Response: Closed with explanation

Timely Response

2019-09-17

Midwest City, OK

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

2019-09-16

PA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I got a copy of my XXXX credit report XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.
Company Response: Closed with explanation

Timely Response

2019-09-15

Northside, NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: The XXXX Hospital didn't use my insurance or tell me I had over {$7000.00} due in hospital bills from a trip I took around XXXX. Here are a list of collections that they have submitted : 1. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$3600.00} ; Date : XX/XX/XXXX 2. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2100.00} ; Date : XX/XX/XXXX 3. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2300.00} Date : XX/XX/XXXX 4. Current Creditor : XXXX XXXX ; Original Creditor : XXXX XXXX XXXX Amount : {$2100.00} Date : XX/XX/XXXX ( I have never heard of the original creditor ) I went to the hospital when I got a XXXX around this time and I supplied them with my XXXX insurance. The only contact I had was an agent who called me and told me I had a balance of {$50.00}, which I paid that day. I disputed all but the XXXX XXXX XXXX because I just noticed it and I have no idea what that even is. They never gave me the opportunity to discuss what the charges were or to tell me why they didn't charge anything to my insurance. Also, I don't know why there are three separate charges from XXXX XXXX Hospital. This has destroyed my credit and made my life very difficult in getting loans and getting a home. I have had a very hard time trying to repair my credit due to these claims. They should contact customers and make sure that they charge to insurance. They also shouldn't tell you that your balance is paid off and then sent a large amount to collections which they can't explain.
Company Response: Closed with explanation

Timely Response

2019-09-15

Okc, OK

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Contacted you after you asked them to stop
Complaint: THERE SHOULD NOT BE ANY DEBIT. XXXX XXXX 'S HOSPITAL VERIFIED MY COVERAGE BEFORE i ENTERED THE HOSPITAL ... KEPT VERYFYING IT ON A WEEKLY BASIS TILL I WAS ADMITTED .... THEN THEY CANCELLED THE ORIGINAL DATE ... THEY MOVED IT TO A DATE WHERE MY OLD INSURANCE WITH XXXX XXXX. I TALKED TO ADMITTANCE TOLD THEM MY DATE WAS BEFOR AND THEY KEPT CHANGING IT. SHE SAID EVERYTHING WILL BE FINE. LEGAL ACTION IS BEING PREPARED TO BE FILED AGAINST THE HOSPITAL THEIR BILLING DEPARTMENT AND THE 3RD PARTY COLLECTION AGENCY. UNDER THE FDCPA THEY Are to notify me in writing to this date no one has. they did call other family members threatened to sue me etc ....
Company Response: Closed with explanation

Timely Response

2019-09-14

Saint Clair, MO

Problem with a company's investigation into an existing issue

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

Problem with personal statement of dispute
Complaint: To Whom it my Concern, I was out of town last XX/XX/2018 and my daughter had been moving out of the house and into a condo with her boyfriend, she was picking up the last of her stuff over the weekend when she hit my rental that was parked in the driveway, she had done an address when she moved out weeks prior, but had not taken full effect, anyways her insurance did not pay for the damages on the rental, my insurance company, but there's still an outstanding bill of {$1500.00} and some, I refuse to pay because I did do the damages, she admitted to her insurance company that she did the damages but they won't pay, I ended up with the hit against me and my insurance cancelled me shortly after that and now it's on my credit report for not paying, why should I take the hit for one and 2 why should I have to pay it and why is the insurance company not taking responsibility and why is it on my credit report.
Company Response: Closed with explanation

Timely Response

2019-09-14

Stantonville, TN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-13

Wilmington, DE

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-13

West Newfield, ME

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

NV

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I was told by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I had been over paid when I was working for the XXXX XXXX as a civilian employee. I requested time cards and pay statements from XXXX on five separate occasions over a two year period and all they would send me was the pay periods that I was over paid, not enough data to determine if I was actually over paid. I noticed back in XXXX of 2019 that the treasury has started taking money out of my pay check. About two weeks after this started I received a phone call from Trans World collection company and they informed me that they were a third collecting a debt for the department of treasury. The representative told me that I owed the treasury a little over {$5800.00} and I told them the original debt {$4500.00} she explained the additional amount was late charges. I explained to her that I have never even received the requested information to determine if this was actually an over payment or a time card error. She told me if I settled the debt within two weeks I would only have to pay {$4600.00}. I told her that I had already had {$1200.00} Taken out of my check. She said she can not see the money that had already come out of my check so I would have to pay the full {$4600.00} and I would get the over payment back form the treasury. Five months have gone by and numerous calls to XXXX and the treasury and still have not received my money .I have asked Trans World six times for a compromise letter stating what was agreed to in the settlement and still have not received this. I did record on audio the conversation with Trans World so if needed I can provide .representative from XXXX actually had the nerve to tell me that I should get my {$1200.00} back from Trans World . As far as I know if the government contracts with a third party they are responsible for the actions of their contractor Not me
Company Response: Closed with explanation

Timely Response

2019-09-12

Five Points, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Transworld Systems is reporting that I have an unpaid balance of {$1500.00} owed to a company called XXXX XXXX. I have spoken to this collection agency, and explained to them that I have NEVER done business with that company before. In fact, neither I, nor anyone in my family, even plays a musical instrument. When I spoke to their reps, they told me I should contest the account at XXXX, XXXX, and XXXX XXXX if I felt the debt was inaccurate. They said that if it was not mine, it would be deleted. Well, I contested the debt, but Transworld told the credit bureaus that it was legitimate, and it is still on my credit report. I have since requested that Transworld provides some kind of proof that this debt actually belongs to me, but so far, those requests have been ignored.
Company Response: Closed with explanation

Timely Response

2019-09-11

Tyrone, NM

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX has sent a debt to the collection company TransWorld System. I was a former employee and had the email sent to me to deliver to my landlord. Which the original statement is sent in their name not mine. I had provide the mailing address to XXXX XXXX to mail the invoice to the landlord. The own has a bad feeling about me as I walked out as an employee without notice. This is not my debt.
Company Response: Closed with explanation

Timely Response

2019-09-11

Jupiter, FL

Incorrect information on your report

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

Account information incorrect
Complaint: Ncc business XXXX florida put unauthorized charges on my credit report listing it as a collections account. I disputed the charge and they wrote me explaining, I needed to sign a notarized affidavit w painting this was an unauthorized charge. I did that and also provided a copy of my driver 's license via snail mail. Yet, this company has never responded back or removed the debt off my credit report
Company Response: Closed with explanation

Timely Response

2019-09-11

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-09-10

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I received a letter in the mail from NCC Business Services for a debt that is not mine for XXXX Apartments. I currently still reside in XXXX apartments and have never been made aware of any debts owed. Upon further research, I also found that NCC Business Services has no license to collect debts in Florida, and no business registration. XXXX apartments relinquished ownership of the debt when they " sold '' to to XXXXCC Business Services. According to Federal law, as soon as an account is sold and transferred, the original creditor can not collect on the debt as their rights to the debt has no validity.
Company Response: Closed with explanation

Timely Response

2019-09-10

Little Rock, AR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: NCC Business Srvcs is attempting to collect a debt that I have no knowledge about the original creditor nor the collection agency will/have validated this debt with me which is a violation of FCDPA section 809. Secondly the statute of limitations in Arkansas which I reside has expired for the original creditor or collection agency to collect.
Company Response: Closed with explanation

Timely Response