TRANSWORLD SYSTEMS INC

2017-07-09

Moore, OK

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-08

Tyrone, NM

Incorrect information on your report

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

Account information incorrect
Complaint: I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from Transworld and found out I owed about {$78.00} to XXXX. I paid Transworld I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called Transworld a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-07

Mem, TN

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

2017-07-07

Las Cruces, NM

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-07

Oak Ridge N, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-07-05

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2017-07-05

Fort Lauderdale, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I received a letter from the Transworld systems inc. collection agency for the amount of {$120.00}, for medication delivered to me at by address. I phoned XXXX XXXX at XXXX XXXX, They said the medication was delivered to XXXX XXXX at my address .They said the medication was ordered by a Physician not servicing my care and medication that I do not take or my private physician for over 20 yrs, has never ordered for me. Now they have put my name in collection.How can they order me medication that my primary physician did not prescribe, that is dangerous.
Company Response: Closed with explanation

Timely Response

2017-07-04

Wesley Chapel, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I am not the one the company is attempting to collect a debt from. I continuously receive automated phone calls that do not allow me the option to stop contact. These calls happen at least twice a week, usually always on a Monday and sometimes on either Thursdays or Fridays ; happening since I received this new phone number back in XXXX 2016. The person these companies are trying to collect a debt from is not me as the name they have stated on the recordings/voicemails. I have added my number to the Do Not Call registry but that has not affected these calls.
Company Response: Closed with explanation

Timely Response

2017-07-03

Lancaster, OH

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-07-03

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-01

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: I had student loans with XXXX. They were transferred to Transworld Systems. The original amount was XXXX XXXXXXXX. We agreed to a settlement of XXXX XXXX. I made every payment as agreed to with automatic deduction from my bank account. This started on XX/XX/XXXX. My final payment was made on XX/XX/XXXX. There was additional withdraws set up for my account. On XX/XX/XXXX, I spoke with XXXX ( A supervisor ) about that. At that my point my balance showed {$7300.00}. Accoprding to my settlement agreement, I owed {$2200.00}. XXXX agreed that according to records this was correct and we scheduled two final payments. XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$1000.00} and that would complete my obligation. I spoke with XXXX again on XX/XX/XXXX and she stated that the account was paid and a request to remove from my credit report would be made. I also requested a letter stating that I had paid the account and have received that and attached. <P/>The Collections were removed from my credit report on XX/XX/XXXX. <P/>On XX/XX/XXXX Transworld reported to XXXX that I have an open collections account for XXXX XXXX. I have tried and worked hard to bring my credit score and repair my credit. I was doing great. This crushed that. I was denied a loan and could n't figure out why. Then I checked and saw this. This is wrong.
Company Response: Closed with explanation

Timely Response

2017-06-30

Fargo, ND

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-06-30

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: transworld systems inc. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for XXXX XXXX XXXX XXXX XXXX XXXX.. creditors acct # XXXX transworld acct # XXXX
Company Response: Closed with explanation

Timely Response

2017-06-30

Atl, GA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2017-06-29

Coronado, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-29

Port Orange, FL

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-06-29

Glenmont, OH

Written notification about debt

Debt collection: Private student loan debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX and XXXX ) for the amount owed to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, Transworld Systems , Inc., was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at Transworld stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX and XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
Company Response: Closed with explanation

Timely Response

2017-06-29

Warrenton, VA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: On XX/XX/2012, I was seen by the XXXX XXXX XXXX XXXX. At that time I had XXXX XXXX XXXX, which was billed for the visit. I thought this debt had been paid but found out on the credit report that it is now past due. <P/>My Explanations of benefits from XXXX states that I owe XXXX XXXX XXXX XXXX XXXX after benefits are applied to the bill. They instead state that I owe them XXXX, which is the full amount of the bill. I disputed the amount of the debt with the debt collection agency, sent them a copy of the EOB from XXXX, and received a sheet of paper just simply stating that I owe XXXX. Even though on their online billing website it shows the credit for XXXX from XXXX. Further, the bill online states that nothing at this time is due. See attachements below.
Company Response: Closed with explanation

Timely Response

2017-06-29

Dublin, GA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-06-28

Kildeer, IL

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Company Response: Closed with explanation

Timely Response

2017-06-28

FL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: On XXXX / XXXX / 16 , I had a XXXX XXXX XXXX XXXX XXXX and was billed {$210.00} from XXXX XXXX XXXX XXXX . I have paid {$20.00} per month to pay down this debt which should now be a balance of {$140.00}. I received a notice from Transworld Systems Inc. Collection Agency on beha lf of XXXX XXXX XXXX XXXX for {$190.00}. Not only is this the wrong amount, a collection agency can damage my credit.
Company Response: Closed with explanation

Timely Response

2017-06-28

NY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I co-signed for my son 's private student loan i n XX/XX/XXXX . At the time I was told that after my son graduate 's from college which he did in XX/XX/XXXX . And after a few years of repaying the private student loan as long as it was never late and that it was on a monthly automatic deducted from his personal account I would be able to sign off as a co-signer. This has not happened and I am getting no where 's when I inquire about this matter.
Company Response: Closed with explanation

Timely Response

2017-06-28

Las Vegas, NV

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: Hello, received notice that Transworld Systems was attempted to collect a debt note they acquired for approx. {$75.00}. Contacted Transworld and advised them that according to XXXX XXXX in Nevada the balance was {$0.00} owed. Agree to pay the amount to resolve the issue and have the erroneous items removed from all consumer reporting agencies. Payment was made by phone by credit card and was promised a removal letter would be sent. <P/>On XX/XX/XXXX discovered item still be present on all three Consumer Credit agencies reports and contacted Transworld who confirmed the payment and a {$0.00} balance, as well as the file reflecting the the items would be removed as part of the terms. According to the female employee for Transworld their policy is now that they can not remove items form they are reporting in error ( which is not correct ) and that they could not remove the information as agreed in audio recordings and as noted in their file.
Company Response: Closed with explanation

Timely Response

2017-06-27

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/XXXXI notified XXXX utility company that my husband and I were surrendering our home to our mortgage company XXXX XXXX. We filed Chapter XXXX. We advised them our move out date was XX/XX/XXXX to shut off the electric as we would no longer be living there. We moved 2 hours away to XXXX XXXX XXXX XXXX, PA XXXX with my husband 's parents. We are still here. At no time did we ever receive another XXXX bill- we changed our address with the postal service and no mail came from XXXX . XX/XX/XXXX I received a collection letter from Transworld for XXXX bill for XXXX XXXX XXXX for almost {$900.00}. I called them. I called XXXX. I called the PA utility commission. I advised Transworld statute of limitations per PA utility is 4 years and XXXX advised account no longer exists. They are refusing to remove the collection from my credit reports
Company Response: Closed with explanation

Timely Response

2017-06-26

Cartersville, SC

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: Mislead by a fraudulent school to take out a high interest loan
Company Response: Closed with explanation

Timely Response