TRANSWORLD SYSTEMS INC

2017-05-23

Buck Hill Falls, PA

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-05-22

Ivanhoe, VA

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

2017-05-21

Omaha, NE

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I WAS IN A CAR ACCIDENT ON X/XX/2016 IN WHICH ANOTHER PARTY WAS AT FAULT FOR, I HAD TO HAVE SEVERAL XXXX AS A RESULT ALL OF MY MEDICAL PROVIDER WERE FULLY AWARE THAT A 3RD P ARTY WAS RESPONSIBLE AND WAS PROVIDED WITH THE CLAIM NUMBER FOR BILLING AND A COPY OF THE POLICE REPORT FOR THE ACCIDENT. I AM BEING REPRESENTED BY XXXX XXXX XXXX IN XXXX NEBRASKA. I WAS CONTACTED BY XXXX XXXX XXXX TO DEMAND PAYMENT FOR FOR XXXX BILLS FOR XXXX FOR {$140.00} AND THE OTHER FOR {$120.00} EVEN THOUGH THEY HAD DOCUMENTATION FROM MY ATTORNEYS OFFICE THAT THIS WAS A 3RD PARTY BILLING THEY KEPT THREATENING TO TURN THE XXXX BILLS OVER TO COLLECTIONS SO I PAID BOTH BILLS IN FULL. A FEW WEEKS LATER I GOT AN ALERT FROM CREDIT MONITORING THAT A COLLECTION HAD BEEN ADDED TO MY CREDIT FILE BY A COLLECTION AGENCY CALLE D TRANSWORLD SY STEMS WHICH I PROPMTLY CONTACTED TO GET THEIR FAX NUMBER TO SEND THEM PROOF OF PAYMENT THE LADY I SPOKE TO REFUSED TO HEAR ME AT ALL AND BEGAN YELLING AT ME FOR PAYMENT, I ALSO CONTACTED XXXX XXXX XXXX TO FIND OUT WHY THESE ACCOUNTS WERE PLACED WITH COLLECTIONS DESPITE BEING PAID IN FULL EVEN THOUGH I WAS NOT THE RESPONSIBLE PARTY. AT FIRST I WAS TOLD THAT MY PAYMENT COULD NOT BE FOUND AND AFTER FAXING PROOF OF PAYMENT I WAS TOLD THAT THE SYSTEM HADNT UPDATED PAYMENT WHEN THE COLLECTION HAD GONE OUT. THIS CALLED MY CREDIT SCORE T O DROP BY OVER XXXX POINTS. I DESPUTED THESE COLLECTIONS WITH XXXX , XXXX AND XXXX ONLY XXXX REMOVED THESE COLLECTIONS FULLY THEY ARE STILL LISTED ON MY XXXX AND XXXX REPORTS, I AM VERY DISAPPOINTED BY XXXX XXXX XXXX FOR DEMANDING PAYMENT FROM ME DESPITE HAVING PROOF THAT ANOTHER PARTY WAS RESPONSIBLE AND HAVING A CLAIM NUMBER FOR BILLING, I FELT BULLIED INTO PAYING AND INSULTED WHEN I STILL TURNED OVER FOR COLLECTIONS AFTER PAYING THEN TREATED VERY HOSTILE BY TRANSWORLD SYSTEMS AS I ATTEMPTED TO PROVIDE THEM PROOF OF PAYMENT AND THAT THE COLLECTION WAS IN ERROR THEY REFUSED TO ACCEPT ANY INFORAMTION FROM ME AND LASTLY I AM DISAPPOINTED THAT DESPITE PAGES OF DOCUMENTATION THAT THE COLLECTION WAS IN ERROR AND I PAID THE BILL DESPITE NOT BEING RESPONSIBLE FOR THE BILLS ONLY TO HAVE THESE NEGATIVE ITEMS ON MY CREDIT FILE STILL FROM XXXX AND XXXX .
Company Response: Closed with explanation

Timely Response

2017-05-21

Atlanta, GA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.
Company Response: Closed with explanation

Timely Response

2017-05-20

Elmer, LA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I received an email from XXXX saying that a new negative debt had been posted to my XXXX Credit Report by TransWorld Systems INC. I checked with both the original debtor and the XXXX XXXX XXXX with whom I have already been working to pay this debt. Neither have ever heard of XXXX or has any affiliation with them. They posted XXXX ( XXXX ) d ifferent accounts on my report allegedly from the same debtor as well. This is also false according to the original debtor, XXXX XXXX XXXX XXXX in XXXX Texas.
Company Response: Closed with explanation

Timely Response

2017-05-19

San Diego, CA

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

2017-05-19

Queens, NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: From XXXX XXXX XXXX at XXXX XXXX XXXX XXXX last called XXXX XXXX XXXX says it 's an attempt to collect a debt and I should call her back. Has phoned about 5 times. I am not aware of any outstanding debt except my credit balance. XXXX XXXX XXXX company, this is an attempt to collect a debt and any information obtained will be used for that purpose please return the call to XXXX XXXX XXXX at XXXX XXXX again. That 's XXXX XXXX XXXX at XXXX . Thank you. Trans world systems incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose when calling please refer to your ID code XXXX XXXX XXXX XXXX . Thank you. PLAY MESSAGE YOUR ACCOUNT HELP CENTER HELP FORUM To edit your email preferences for voicemail, go to the Email notification settings in your account. XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-18

VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have received repeated calls from Transworld systems Inc. This is been going on for over six m onths. I have called them several times and found that they are attempting to collect a debt from my husband 's ex wife. I have repeatedly told them that I do not know where she is and that I am not her. The calls have not stopped. Their phone number is XXXX .
Company Response: Closed with explanation

Timely Response

2017-05-18

Arsenal, PA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Thank you in advance for reviewing my complaint against Younomics, the loan service provider for this private student loan I acquired in XX/XX/XXXX. This case is an example of deceptive lending -- specifically through a now defunct student loan originator ( " XXXX XXXX XXXX '' ). Younomics was made the second or third service provider for this loan, and the whole process has been questionable. Normally, I would contact the company to discuss this issue, but I elected not to for the following reasons. First, they are going to tell me that they are simply the loan servicer and had nothing to do with the original terms of the loan. They are correct -- but that origination company has gone defunct. When I called XXXX XXXX ( the second loan servicer ) they told me that they are unable to tell me who " owns the loan '' but that they inherited it. In XX/XX/XXXX, Younomics contacted me electronically and introduced the company as my new " loan servicer. '' Second, their website is extremely minimal. The " contact us '' button only gives a XXXX XXXX mailing address in XXXX XXXX XXXX, and a generic E-mail : " XXXX '' Mail Younomics XXXX XXXX XXXX XXXX XXXX NY XXXX Email Support : XXXX I am not comfortable E-mailing such a company that has a XXXX XXXX and a generic E-mail with such sensitive information. This sort of unprofessional and sketchy company contact page emphasizes my point that this loan was predatory, not backed by a real bank, and exists only to profit off of the needy. For background, I took the loan when I was facing the decision of having to leave my undergraduate institution because both me and my parents ( XXXX ) were not able to financially support my studies. I searched online, applied through legitimate banks, and was not able to get a loan on my own since I had no credit. My parents were not able to co-sign for me, either, as they were maxed out with Parent Plus loa ns for my older sister ( who attended another University ) and did not have sufficient credit. I came across one of these aggressive loan companies that prey on needy undergraduates by providing to them the small amount of money they may need at high interest rates. Years later, the Department of Education under President Obama would implement rules and standards that would prevent predatory lending habits -- which happened to me. The loan for {$6900.00} was disbursed onXX/XX/XXXX. With the aggressive 10.5 % interest rate, my balance is currently {$13000.00}. I have paid a total of {$7300.00} on this loan, which is over the original principle balance. I graduated from XXXX in XX/XX/XXXX, from the University XXXX XXXX with my XXXX in XX/XX/XXXX, and finally the University XXXX XXXXXXXX with my XXXX XXXX XXXX degree in XX/XX/XXXX. I took this loan out of necessity at XXXX years old. I have made monthly payments in excess of over {$200.00}, and after consulting with a Financial Advisor, I have come to the realization that there is no way with my current salary ( since I work in a XXXX XXXX XXXX XXXX ) that I will be paying this loan off for an additional 15 years. I am trying to buy a house, put money towards my retirement, pay more federal student loans, and live, but this never ceasing deceptive loan simply wo n't disappear.
Company Response: Closed with explanation

Timely Response

2017-05-18

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Transworld Systems is tryi ng to collect a debt that was included in bankruptcy. The debt is fro m 2013. They a re t he 3rd co mpany to purchase the debt and refuse to take it off. It has already been removed by XXXX other companies that purchased the debt not owed for {$530.00}. I have filed a dispute with all XXXX reporting agencies. I have also contacted the company directly. They have re-aged the debt multiple times, making it appear to be recent and keep re-reporting. They refuse to follow the law. I have never even received anything by mail or otherwise from them.
Company Response: Closed with explanation

Timely Response

2017-05-17

W Des Moines, IA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-05-17

VT

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I had a lot of debt prior to my student loans and I was trying to get that under control so that I was able to pay back my student loans when the deferment period was over. I was scammed by a lawyer company that promised to help reduce and eliminate credit card debt to avoid bankruptcy. I lost over {$7000.00} in the process. I canceled my account with them and they only returned {$780.00} to me and did not help me handle my debt. I ended up filing bankruptcy in XXXX . Well ti me was coming where I had to deal with my student loans both private and federal. The private len der XXXX sent my d ebt to a debt collector XXXX and XXXX . This debt collector contacted me and wanted me to pay {$2000.00} per month to clear the debt. I told them I could not pay that much. They proceeded to send me court papers to initiate wage garnishment. I made several attempts to go to the court and ask for lower payments. I was unable to talk to and person in the courtroom. I attempted to get a lawyer to help me with this situation and I could not find an attorney that would even touch the case. Garnishments started in XX/XX/XXXX and continued til XX/XX/XXXX , where the payments being taken out of my paycheck were being returned to me because XXXX filed bankruptcy. I believe I go t 6 of t he payments made, returned to me. The garnishment finally stopped around XX/XX/XXXX . No other mention of the garnishment was made until XX/XX/XXXX where the garnishments were reinstated and money again was being taken out of my paychecks. At this point, the garnishments put me back into poverty. I lived in subsidized housing and was barely making ends meet just to pay my rent. I to ok two more jobs to help me pay my rent. I even canceled my landline and my cable to help reduce my monthly expenses. I already use coupons and recycle to save money. Well, since I lived in subsidized housing, there were income limits to follow. In XX/XX/XXXX , I received a letter from my housing management that HUD was going to have residents that earned more than the income limits, move out. Even though I was above the income limits, I was being garnished so much that I would not be able to afford to live outside of subsidized housing. I was having a hard tim e paying for rent as it was. I had depleted most of my 401K account j ust to get by and be able to buy food. I did n't even qualify for free food because I made too much money. Now I not only owe on the student loans, but now owe the IRS more than {$24000.00} ( XX/XX/XXXX ) and roughly {$7000.00} ( XX/XX/XXXX ) because of the money I have taken out prior to me turning XXXX . I have had to move back in with my mother and take a job that only pays $ XXXX /hour. This hourly wage, according to HR, is recommended for the 30 years of experience that I have in XXXX . At this point, I do n't know how I am even going to get started with regards to paying back these loans.
Company Response: Closed with explanation

Timely Response

2017-05-17

MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I previously learned of this debt after obtaining my credit report. I have had medical assistance for the last 10 years or so. I also have never visited XXXX XXXX which is listed as the orginal creditor regarding this debt. I sent this company a letter asking them to provide me with the documenation they have that makes them believe this debt belongs to me. Th e 1st letter was ignored so I was advised to sent a 2nd letter certified ( please see attachment ) that letter un fortunately was ignored as well.
Company Response: Closed with explanation

Timely Response

2017-05-17

NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2017-05-17

Bear Creek Township, 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

2017-05-16

Murray, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XXXX I rented a car from the XXXX at the XXXX XXXX , IA airport. I signed for all of the collision damage, personal effects, supplemental liability insurance. That night while parked the car was side-swiped with some paint damage. When I took it back to XXXX , they saw on my receipt that I had the insurance and waived me along. Months later I started receiving calls about collecting a debt for that. I faxed the receipt that showed my signature in the insurance box and thought that was done. Now, just within the last few months I have been receiving calls and letters from the TSI d ebt collection agency demanding XXXX . I have kept the XXXX receipt all these years, thank goodness, and sent images via email to them . Thusfar I hav e not heard a response. I am very upset about this situation and would like to know what I can do. Thank you. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-16

Ridgewood, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-16

Joppa, MD

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-05-16

Coronado, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-16

Spencer, MA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-15

Ft Trumbull, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Transworld Systems claims I owe o n account ending XXXX , formerly with XXXX XXXX . The charges on this account are fraud, it was paid off at one poi nt, a family member then used the card for several online purchases. Prior to account being charged off, sent to Transworld Systems, I wa s paying on account in the amount of XXXX a month. Despite the fraud activity, I was attempting to make payments. Once it was charged off, auto-pay was stopped. I refuse to continue to make payments for fraudulent charges
Company Response: Closed with explanation

Timely Response

2017-05-15

Patterson, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-15

Kings Ferry, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Transworld systems is a debt collecting agency that was used to collect a debt I have already paid. I owed a specific amount to XXXX XXXX for an over draft in my bank account that I was unaware of. I was never contacted or sent any information on this by the bank or the debt collector. I walked into the bank one day found out about the over charge and paid it in full. I was told the rest would be taken care if by the Branch Manager and it would n't even show up on my credit because I had paid the debt in full. It 's been two years, I 've contacted the bank who tells me to contact the debt collector and then they tell me that I have to pay the owed amount they have reported and then contact the bank. This has been affecting my credit for two years.
Company Response: Closed with explanation

Timely Response

2017-05-14

Stevenson, MD

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-13

Mill Creek, IN

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I went to XXXX for school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called XXXX stating i owed them payments never signed up with them apparently XXXX owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by XXXX they couldnt lower the payment since XXXX wont agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a MPN for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through XXXX and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing
Company Response: Closed with explanation

Timely Response