TRANSWORLD SYSTEMS INC

2017-11-28

VA

Incorrect information on your report

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

Account status incorrect
Complaint: On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...
Company Response: Closed with explanation

Timely Response

2017-11-28

Hollywood, FL

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2017-11-28

Bowie, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-11-28

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-28

Clarkesville, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-27

Detroit, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-11-27

Corona, CA

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

2017-11-27

CT

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Complaint: In XX/XX/XXXX I had to hire an attorney to help me with a civil lawsuit for some very old private education loans because I was being sued for 8 separate private student loans originally taken out from XXXX XXXX between, XX/XX/XXXX and XX/XX/XXXX. My attorney worked on my case for over a year to prepare us for court, but though I knew I had never made ay payments and believed the loans to be too old to collect on, compounded with the fact that they had changed hands numerous times between the time I took the loans out from XXXX XXXX to the time the XXXX XXXX XXXX XXXX XXXX sued me, my lawyer decided I should settle with the collection agency and agree to pay the loans as well as the incredibly compounded interest. We never even went into a courtroom. No one ever produced any paperwork signifying they owned the loans, that the loans had not already been charged off by XXXX -- I had told my lawyer I had had to pay additional taxes one year because of charge off notifications. Decisions were made about my future and my children 's future in a little room where I was not invited in and I was handed a judgement in XX/XX/XXXX of graduating monthly payments to be made, seemingly, forever. I began making payments and by fall of XX/XX/XXXX, my payments were now going to yet another collection company by the name of XXXX XXXX XXXX. My bank denied the payments to XXXX XXXX XXXX at first because it was an unannounced and unfamiliar company seeking the funds from my account. I revised the payment methods with some hiccups due to their not being able to access the funds from my savings account -- where I was transferring part of my check from work every month to make the payments -- and eventually began making payments now to XXXX XXXX XXXX. I made payments to them from XX/XX/XXXX to XX/XX/XXXX at which point the payments were too much for me and thinking back to a closed-door conversation with a lawyer wherein he told me if it got to be too much I could declare a bankruptcy because the private student loans were now a in a judgment, I stopped making payments thinking that would be the route I would have to go in order to keep my head above water for my children and myself. In XX/XX/XXXX I met with a lawyer who told me I could not discharge the debt but since no one had been in touch about the payments to wait and see if they got in touch. As it happened, in XX/XX/XXXX a friend sent me the article in the XXXX about XXXX XXXX XXXX and the lawsuits against them because of lack of paperwork and trying to collect on loans that were too old. I sent that article to both my attorney from the lawsuit and to the attorney I had hoped would be able to help me discharge the judgement. I did not hear back from either one. On XX/XX/XXXX the offices of XXXX XXXX XXXX attempted to garnish my wages through the State of CT Superior Court in XXXX XXXX for this very same XXXX trust debt. I submitted a claim of exemption form with a description of the circumstances involved and attached on article outlining how XXXX and its affiliates are currently barred from collection actions due to the ongoing audit on their portfolio of XXXX, XXXX private student loans. I have subsequently been given a court date to provide evidence to support my claim that there was the possibility of illegality in the way in which I was sued for payment for outdated loans.
Company Response: Closed with explanation

Timely Response

2017-11-27

NJ

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX from XXXX XXXX XXXX calls repeatedly about a Dental bill, that I keep telling him that the amount owed is correct. He refuses to document the file and send the claim back tot he dentist. He calls atleast six ( 6 ) times per day. I spoke with XXXX gian today and explained that the amount owed can not be correct and that I would like a statement of account to review. He told me that I needed to listen to him and do what he says or he will not resolve my account.
Company Response: Closed with explanation

Timely Response

2017-11-26

Keyport, WA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-11-26

Milton, PA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-11-25

Glendale, CO

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: XXXX claimed that I owed them XXXX possibly XX/XX/XXXX. After retaining funds from two banks accounts, along with the payment made XX/XX/XXXX. This debt was paid in full ( and then some. ) I received a letter today from Transworld Systems Inc. stating that I have a collection account due to non-payment. This is false information as this debt has been paid in full ( on 3 various transactions, through XXXX, XXXX XXXX, and XXXX. ) I also have the letter from XXXX XXXX, at XXXX stating this debt has been PAID IN FULL.
Company Response: Closed with explanation

Timely Response

2017-11-25

IL

False statements or representation

Debt collection: Private student loan debt

Told you not to respond to a lawsuit they filed against you
Complaint: Back in 2015 XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring XXXX XXXX XXXX, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It wasn't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by XXXX XXXX XXXX on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since 2015. They have taken over $30k from me unlawfully. Also, XXXX XXXX XXXX has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact XXXX XXXX XXXX several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
Company Response: Closed with explanation

Timely Response

2017-11-24

Chatham, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-24

Campville, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2017-11-24

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-22

Harsens Is, MI

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-11-22

Lincoln, NE

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-11-21

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.
Company Response: Closed with explanation

Timely Response

2017-11-21

E Massapequa, NY

Written notification about debt

Debt collection: Federal student loan debt

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

Timely Response

2017-11-21

Port Richey, FL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-11-20

Pardeesville, PA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-11-20

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-11-20

Communication tactics

Debt collection: Medical debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2017-11-18

Harsens Is, MI

Written notification about debt

Debt collection: Medical debt

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

Timely Response