TRANSWORLD SYSTEMS INC

2017-11-07

Loganville, GA

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

Timely Response

2017-11-07

Hollywood, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-07

Sarasota, FL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-11-07

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 call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.
Company Response: Closed with explanation

Timely Response

2017-11-07

League City, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-11-07

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-11-07

Northdale, FL

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-11-06

Allenwood, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you
Company Response: Closed with explanation

Timely Response

2017-11-06

Bancroft Hall, MD

Incorrect information on your report

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

Account information incorrect
Complaint: THIS ACOUNT SHOWED UNDER MY XXXX AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.
Company Response: Closed with explanation

Timely Response

2017-11-06

Billerica, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I first sent a certified letter to XXXX on XX/XX/XXXX and I received no response. The second letter was sent on XX/XX/XXXX which instructed me to contact Transworld because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted Transworld in XX/XX/XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Company Response: Closed with explanation

Timely Response

2017-11-06

Est De Sabana, PR

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2017-11-05

Concord Twp, OH

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-11-03

Cheverly, MD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On or about Transworld Systems and XXXX XXXX XXXX are collecting on the same debt that I do not owe and have requested information on several occasions. I have never been provided with supporting information for the debt.
Company Response: Closed with explanation

Timely Response

2017-11-03

Clinton, IA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2017-11-02

OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Recently received a notice for garnishment on a judgement I was unaware of for XXXX XXXX XXXX XXXX XXXX. This garnishment notice is dated XX/XX/XXXX and proceeded on XX/XX/XXXX. After recieving the notice in XX/XX/XXXX for a judgement I was unaware of I contacted the Attorney whom filed and asked for more information. I have always been under the impression this loan was taken care of when I did a debt consolidation in XX/XX/XXXX in which was completed by XX/XX/XXXX with XXXX XXXX, Dept of Education. The attorney proceeded to tell me that the lender was XXXX XXXX XXXX, XXXX. After researching this further I have found that XXXX XXXX XXXX has been purchased by XXXX XXXX XXXX and now branded as XXXX XXXX. I spoke with a multiple departments and a supervisor and no one was able to locate any file using my social security number. I asked for this in writing and was denied. I then researched further while XXXX investigated further and found that CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits. In the Case XXXX Document 3-1 Filed XX/XX/XXXX I found that XXXX XXXX XXXX XXXX XXXX XXXX filed for a garnishment against me this same day. When speaking with the attorney they are refusing to give me any further information in reagards to this loan. In XX/XX/XXXX I filed Chapter XXXX BK after the sudden death of my husband and found XXXX XXXX as a creditor and I contacted them for more information and they stated they can not discuss my account and they would mail me documentation that could take several weeks. In further research I found A copy of the consent order entered against XXXX XXXX , XXXX XXXX Document 1 Filed XX/XX/XXXX. I have not received any documentation from XXXX or Transworld , Inc. and I am asking if this case that has been filed in my behalf would apply to me and my current situation. I have requested documentation and clarification of this judgement against me from multiple companies and several calls to the attorney that has filed against me ; I have not been able to receive a straight forward answer. When dealing with the attorney she has been rude and unhelpful in this matter and simply states I owe this and I am going to pay it. I am very concerned about this judgement due to the recent judgement placed against these companies. I appreciate any help I can receive at this time. In the past several years I have done everything I thought to make sure I am taking care of my obligations as a reasonable adult and single parent. I greatly appreciate your time and consideration.
Company Response: Closed with explanation

Timely Response

2017-11-02

Arvada, CO

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was paid
Complaint: I am being sued by XXXX XXXX XXXX XXXX XXXX for a debt that has been paid and is also now past the State of Colorado 's statute of limitations of 6 years. My " loan number '' XXXX is also involved in your suit against XXXX by CFPB. Your stipulation tells all lawsuits to stop any legal proceedings until all XXXX laons can be sorted out by an independent auditor.
Company Response: Closed with explanation

Timely Response

2017-11-02

Belle Haven, CT

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-11-01

Buena Park, CA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-01

Mount Airy, NC

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2017-11-01

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-31

Tampa, FL

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-10-31

GA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}
Company Response: Closed with explanation

Timely Response

2017-10-31

Arlington, MD

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-10-31

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Transworld has an item open on my credit report for XXXX XXXX for {$530.00}. I have already resolved the payment directly with XXXX XXXX. The account is now paid in full. I have the confirmation letter from XXXX showing it is paid in full but it still remains open on my credit report with Transworld. I would like Transworld to delete this from my credit report.
Company Response: Closed with explanation

Timely Response

2017-10-30

Atl, GA

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

Student loan: Private student loan

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

Timely Response