TRANSWORLD SYSTEMS INC

2017-10-23

Phila, PA

Improper use of your report

Student loan: Federal student loan servicing

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-10-23

Buckingham, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-23

Onizuka Afb, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This company frequently calls me, using different telephone numbers. The latest one from XXXX was on XXXX XXXX, XXXX at XXXX XXXX, local time. I identified the numbers as belonging to XXXX XXXX in XXXX, California. The company fails to leave a message. I want to know who they represent, what is owed, and, preferably, written correspondence.
Company Response: Closed with explanation

Timely Response

2017-10-23

Three Bridges, NJ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Earlier this year I discovered that my electric energy supplier had been switched without my knowledge or consent. I immediately contacted my desired supplier and my supplier was switched back at the conclusion of the next billing cycle. Shortly thereafter, I received a bill from XXXX XXXX ( " XXXX '' ) for {$99.00} representing an early termination fee. I contacted them, told them I never approved a change and asked them to cancel the invoice. They refused and referred the invoice to Transworld Systems , Inc. ( " TWI '' ) for collection. I advised TWI of all above facts. On XX/XX/17, TWI supplied me with what they referred to as material they received from XXXX. Such material consisted solely of a copy of XXXX 's invoice. This hardly supports their contention that a contractual agreement existed. By letter dated XX/XX/17, TWI also asserts their right to charge accrued interest and " other charges as provided in your agreement with the original creditor or otherwise provided by state law '' This appalls and frustrates me since there is not nor ever was a contract.
Company Response: Closed with explanation

Timely Response

2017-10-23

NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, md ) had rented a music instrument to my son for which the full amount for a 1 year rental was paid. The instrument was returned at the end of the school year but the company claimed they did not receive the instrument and kept charging the rental every month. Communicated to them via email and phone but kept sending new invoices every month adding to the previous amount. They then reported to a debt collection agency and placed it on my credit file. I reported the complaint through XXXX and XXXX too.
Company Response: Closed with explanation

Timely Response

2017-10-22

Glen Easton, WV

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I have a past due balance with the XXXX XXXX XXXX which is now in collection. I was never given the opportunity to set up a payment arrangement. They set up a payment for me that was very high. I couldnt afford it. They have since taken my tax return, which isnt reflected in my balance. They never acknowledged that they took it. They are now threatening to garnish my wages. I sent a previous complaint against them and they sent me a letter stating I could file a hardship with them and possibly get a payment arrangement. They said they need my last few months of banking statements as well as mortgage payment information. I dont believe a collection agency should ask for that information. I merely want to set up a payment arrangement. I dont think they need to have my bank account info and statements.
Company Response: Closed with explanation

Timely Response

2017-10-21

Dayton, OH

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-10-21

Kimberlin Heights, TN

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-10-20

Bel Alton, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-20

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-20

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-20

Glen Cove, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-19

Camp Pendleton, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-18

Clinton, MT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-18

Chicago, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-18

FL

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I have contacted on multiple occasions I have a settlement for XXXX with XXXX, XXXX and XXXX. Transworld is trying to collect on the same debt but for XXXX they are reporting on me yet they do not have my account in their office. It 's with XXXX XXXX and XXXX when ever I call they say it 's not their problem call XXXX XXXX and XXXX and that their not reporting on me which they defiantly are.Transworld refuses to speak to me or solve the problem I have done multiple disputes and gotten no where.they are reporting to XXXX and refuse to fix it and I am tired of getting the run around by it 's not my fault talk to someone else.
Company Response: Closed with explanation

Timely Response

2017-10-18

Granada Hills, CA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2017-10-18

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Back in XXXX of this year, I placed an order from a company in XXXX XXXX XXXX XXXX ), for some make-up items. Unbeknownst to me, the company shipped the order in way where I was to be charged for freight, even though their website guaranteed a fixed cost for shipping and delivery to the XXXX within XXXX business days. They used XXXXXXXX, and they also included a wrong telephone number to contact me. Apparently, XXXX tried to reach me numerous times but, since they had a wrong phone number, they could n't. When days were going by and I still had not received the order I contacted the company via email. They were very unprofessional and after much back and forth, they provided the airbill number to the package and I was able to contact XXXX to retrieve it. They delivered it to my house, and never told me I would be billed extra for accepting the package ( which would have given me the option to refuse it XXXX. About a month later I received a bill for over {$120.00} from XXXX for freight charges ( more than double the total cost of the order ). I called and explained to them the circumstances, especially that the merchant had been deceitful and was now no longer responding to me, but to no avail. I know they are required to tell me about any extra charges for picking up a package but they never did. Since I order from abroad all the time and this has NEVER happened to me, I had no reason to think otherwise. Since then, they have referred me to a collection agency, threatening my credit and are also now charging interest ( see attached copies ). I have filed a protest ( also attached ) with the XXXX Customs and XXXX XXXX ( as suggested by XXXX themselves ), as well as an amendment and sent it to them, but everything seems to be falling on deaf ears. Please, can you help?
Company Response: Closed with explanation

Timely Response

2017-10-18

Pico Rivera, CA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2017-10-17

Carver, MA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Complaint: Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XX/XX/XXXX. I now have a pre-trial conference scheduled forXX/XX/XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2. XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 3. It is unclear if the name listed under the lender, XXXX XXXX XXXX, XXXX. Is an authorized signer. Most companies have a delegation of authority in place. 4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 5. XXXX XXXX XXXX was acquired by XXXX XXXX in XX/XX/XXXX but did not change their name until XX/XX/XXXX. It is unclear whether XXXX XXXX sold the debt or paid it off when they purchased XXXX XXXX XXXX. 6. XXXX XXXX is unable to confirm the business transaction between XXXX XXXX XXXX and XXXX. When I read the XXXX XXXX XXXXXXXX XXXX about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XX/XX/XXXX. You finally did a review and filed a complaint against this entity in XX/XX/XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
Company Response: Closed with explanation

Timely Response

2017-10-17

Brandon, FL

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-10-16

Glen Easton, WV

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: The XXXX XXXX XXXX is threatening to garnish wages. They already took my tax return but never let us know that they did it. I am still not seeing it as a reduction in what I owe them. It was most {$3000.00}. My debt has been sent to XXXX XXXX XXXX. Instead of trying to work with me on coming up with a payment I could live with, they are threatening garnishment. They also have huge interest charges every month so it is impossible to pay the debt off. I feel that the only way to get away from this company, is to file bankruptcy. The military star is ruining peoples lives. They are abusing the system. The government needs to look at their debt collection tactics.
Company Response: Closed with explanation

Timely Response

2017-10-16

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: On XXXX/XXXX/XXXX I received a collection notice that I owed {$210.00} to a dentist. On XXXX/XXXX/XXXX I called the dentist 's office and inquired about this, they know nothing about this collection company and they said my account is paid in full.
Company Response: Closed with explanation

Timely Response

2017-10-16

MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I got a letter from Transworld Systems Inc located in XXXX XXXX, OH dated XXXX XXXX, XXXX for a medical balance of {$21.00}. The letter was not even addressed correctly. When I call them they refuse to give me the debt information first time. I called the second time and then I was given the original debt information. I told them I have not ever used their services. When I called the original debtor, I was told by them they do not use their services at all. Then they could not find anything in their system. Their website is not working properly. They claiming this to be from XXXX of XXXX.
Company Response: Closed with explanation

Timely Response

2017-10-16

NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau to see if a collection can be rectified. I have tried to request a full accounting of the {$2500.00} XXXX XXXX states is owed to them. I requested that I receive an account summary of my payment history, especially the first date in which a payment was at lease 30-days late. Now I have two collections for the same account posted on my credit bureaus, which is unfair and a violation of the Fair Credit Reporting Act as well as an abusive collection practice according to the Fair Debt Collection Practices Act. Therefore, I request a full accounting summary, not necessarily copies of previous invoices. I believe that at least one of these collections should be deleted as it shows a double negative hit on my credit report, creating duplicity.
Company Response: Closed with explanation

Timely Response