TRANSWORLD SYSTEMS INC

2019-09-10

Avon, PA

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

2019-09-10

Bohemia, NY

Communication tactics

Debt collection: Medical debt

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

Timely Response

2019-09-09

Louisville, KY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I pay all of my medical bills via XXXX XXXX and I paid the medical bills for my XXXX XXXX in full in XXXX of this year. I have reviewed all of the bills I receive in XXXX and all are paid in full. I have received an attempt to collect a debt of XXXX now from a debt collection agency. I have never received a bill for this amount, and have done nothing with this XXXX XXXX XXXX of XXXX since XXXX of this year -- and that debt was paid in full at the time of service. Attempts to request information both from the XXXX XXXX XXXX of XXXX and the debt collection agency have gone unanswered.
Company Response: Closed with explanation

Timely Response

2019-09-09

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Debt was paid there is no collection and yet it is being reported on credit file as a collection.
Company Response: Closed with explanation

Timely Response

2019-09-09

Bon Air, SC

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-09-09

Virginia Bch, VA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-09-08

Gr, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Hello, On XX/XX/2019 my XXXX XXXX credit card information was compromised and I was left with a fraudulent {$330.00} charge from XXXX on my account. I spoke with XXXX XXXX 's fraud team about the matter and they removed the charge from my account and issued me a new credit card. Today I received a letter in the mail from Transworld Systems Inc., a debt collection company. The letter claims that the fraudulent XXXX charge was never taken care of and that I now owe them {$380.00}. I am contacting you because I would like some assistance in settling this matter as quickly as possible before it affects my credit scorXXXX. I have physical proof from XXXX absolving me of any debt owed to XXXX or any related debt collection agencies. Thank you.
Company Response: Closed with explanation

Timely Response

2019-09-06

ME

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: 1. Previous to XX/XX/2019 reported the issue of the incorrect line item to all 3 credit bureaus and the credit bureaus reported that the line item was Resolved by Data Furnisher. 2. On XX/XX/2019 wrote to the Data Furnisher of the line item requesting validation of the debt. The Data Furnisher has a different address for each of the three credit bureaus. Having 3 different address appears to be an attempt to confuse the consumer and cause diversion. I sent a certified letter requiring a signature to all three addresses listed on the 3 credit bureau reports. 3. On XX/XX/2019 wrote to all three credit bureaus to address the concern again and provided the collection of documentation to include : previous letters sent and copies of the certified mail certificate requiring a signature ( one of the three was returned as undeliverable ). It has now been 120 days and I have not heard back from the Data Furnisher.
Company Response: Closed with explanation

Timely Response

2019-09-06

MI

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: RE : XXXX XXXX closed account # XXXX Transworld Systems Inc. account XXXX XXXX I need help resolving a difficult issue caused by XXXX XXXX systemic failure to correct billing errors. Now it is impacting my interest rates, insurance rates and ability to obtain financing. XXXX XXXX failed to correct initial billing error. XXXX XXXX failed to provide results of investigation ( their number XXXX ). XXXX XXXX failed to provide a hearing with a local Utility Hearing Officer. XXXX XXXX failed to communicate beyond final billing. XXXX XXXX failed to provide my correct address to the debt collection company. In summary XXXX XXXX failed to respond to all communications, oral and written, and now inflicting undue damage to my credit profile. From the day ( XX/XX/XXXX ) we set up a gas service account, we have maintained accurate records of all communication with XXXX XXXX. Since receiving the first bill we have had numerous lengthy telephone conversations and submitted written proof of the billing errors as well as a written request for a hearing with a Utility Hearing Officer with no response. We opened the natural gas account in XX/XX/XXXX to keep a vacant house from freezing and closed the account in XX/XX/XXXX and paid the final bill XX/XX/XXXX, less the amount ( {$330.00} ) in dispute. No follow-up bills or letters were received. This led us to believe they had corrected the account. But in mid XX/XX/XXXX, during a periodic check of my credit history, there was a new account! In the derogatory remarks section of my credit report, Transworld Systems IncXXXX XXXX now claimed a collection debt of {$330.00}. I immediately called Transworld Systems to dispute the claim. They claimed since I did not response to their XX/XX/XXXX letter within 30 days, my opportunity the dispute the claim expired. Apparently XXXX XXXX had not provided my address ( the same for over 16 years ) to the collections company and so no letter was delivered to me. On XX/XX/XXXX Transworld Systems Inc. sent a letter with sufficient account information such that a formal dispute letter was sent to them XX/XX/XXXX, with no response to date. I need your help to force XXXX XXXX to correct the billing error and XXXX to remove the collection derogatory remark from my credit record. And since the account has been closed for more than a year and the account is a write off. Without fixing this, it will negatively impact me for the next 5 years or more. Please let me know if you can force XXXX XXXX and Transworld Systems Inc.to fix this, and if so provide periodic progress reports. Thank you Sincerely XXXX XXXX XXXX Attachments, copies of 1 ) XX/XX/XXXX letter to Transworld Systems Inc 2 ) XX/XX/XXXX Transworld Systems Inc letter 3 ) XX/XX/XXXX telephone conversations with XXXX XXXX 4 ) XX/XX/XXXX letter to XXXX XXXX with final payment 5 ) XX/XX/XXXX bill payment 6 ) XX/XX/XXXX letter to XXXX XXXX with payment, photos of initial and XX/XX/XXXX meter readings, and XX/XX/XXXX telephone conversation notes. 7 ) XX/XX/XXXX ( XXXX XXXX ) photo of initial meter reading
Company Response: Closed with explanation

Timely Response

2019-09-06

Portland, OR

Incorrect information on your report

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

Account status incorrect
Complaint: In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, XXXX, ie younomics, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that XXXX agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and younomics needs to stop reaffirming a debt they agreed to discharge.
Company Response: Closed with explanation

Timely Response

2019-09-05

Coppell, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-09-04

San Antonio, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Hi. It looks like in XX/XX/2018, 2 accounts were open NCC BUSINESS SERVICES. 1 is for {$1000.00} and the other is for {$3000.00}. I have disputed with each Bureau multiple times and it hasnt been deleted from all. I have never received any sort of notification from this company about this debt.
Company Response: Closed with explanation

Timely Response

2019-09-03

San Juan, PR

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

2019-09-03

Memphis, TN

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX XXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT
Company Response: Closed with explanation

Timely Response

2019-08-31

Lk Buena Vis, FL

Improper use of your report

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

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

Timely Response

2019-08-31

Plattekill, NY

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: I received several bills from XXXX XXXX in XXXX. As the bills came in, it became confusing as to what was redundant and which was new. After paying several of their bills, I began getting correspondence from a collection agency ( XXXX XXXX of the city of XXXX, license # XXXX ), demanding payment of debt owed. As each demand arrived, I sent payment not sure if it was already paid or not. I began getting phone calls demanding payment as well. Today, I received my second notice of demand, asking for XXXX. No dollars, no cents. I ask them to stop sending me threatening letters and phone calls to no avail. Consumers should not be threatened with diminished credit for a debt that even the collector agrees is not owed. Thanks
Company Response: Closed with explanation

Timely Response

2019-08-31

DC

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I received a notification of my credit report dropping due to this debt. I had zero communication on this debt and who to contact to dispute it.
Company Response: Closed with explanation

Timely Response

2019-08-31

Fleming Island, FL

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-08-30

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I was notified that I had a negative report on CFPB. Don't know who or what the report is about.
Company Response: Closed with explanation

Timely Response

2019-08-30

Crafton, PA

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

2019-08-30

Bargaintown, NJ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-08-30

Audubon, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-08-28

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: On XX/XX/2018, my first payment on my Federal Perkin 's Loan was due. I had received no notifications via mail, email, or phone call from the creditor, XXXX University, to alert me that my payment was due. I missed payments for XXXX, XXXX, XXXX, and XXXX of 2018. I found out through my credit card company my credit score had decreased due to missed payments in XX/XX/2018. Upon further investigation, I found out from XXXX University 's bursar office that notices were being sent to an old address in XXXX, DE instead of my current address. As a student of XXXX University for 7 years, I had to update my address across all my accounts yearly. Therefore, I am certain that my address was up to date and that notices should have been sent to the updated address. If there was a mistake in addresses, other notices should have been sent to me in the forms of emails or phone calls in my opinion. At the time, I was content to pay the late fees and continue with my payment plan. Since then, I have had a spotless record of on-time payments. However, I now wish to refinance a car loan, but can not obtain decent offers due to my credit score. I reached out to XXXX University 's Credit and Collections department to discuss the situation and to have the late payments removed. After accepting financial responsibility for the missed payments and expressing my belief that my current credit score does not represent my creditworthiness and commitment to repaying my debts, I was told there was nothing they could do. Due to the fact that a late payment can affect your credit score for 7 years, I feel this is unfair. With that being said, I also feel the creditor is acting unreasonably as I was not notified about the loan payments being due, even though the creditor had multiple options to reach me. I have attached bank statements for the months of XXXX, XXXX, XXXX, and XXXX to provide evidence that I was not in a financial hardship and could pay the payment due. Please refer to the beginning and ending monthly balances. There is no other reason I was late on the payment except for not being notified.
Company Response: Closed with explanation

Timely Response

2019-08-28

Sarasota, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: XXXX called me in XXXX to collect a debt for the doc that XXXX my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The XXXX that administered my XXXX was paid everybody except XXXX was paid for the XXXX XXXX and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX for the XXXX of my son I then contacted my XXXX/XXXX ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked XXXX when and who sold my debt to them. XXXX gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called XXXX back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at XXXX and cancelled my payment arrangement with XXXX and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to XXXX and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop XXXX from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. XXXX calls me 10 times a day.
Company Response: Closed with explanation

Timely Response

2019-08-28

Okc, OK

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: Transworld System Inc. is reporting a medical collection in the amount of {$1800.00} opened XX/XX/XXXX and I have not had any medical bills for XXXX. I had a collection back in XX/XX/XXXX for a different amount. They do not report the date of last activity on either of these reports.
Company Response: Closed with explanation

Timely Response