TRANSWORLD SYSTEMS INC


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"Products" offered by TRANSWORLD SYSTEMS INC with at least one, but usually more complaints:

Bank account or service - Checking account
Checking or savings account - Checking account
Consumer Loan - Installment loan
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Mortgage - Conventional home mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Credit repair
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 7931260

Date Received: 2023-11-30

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: A dispute was sent to the creditor. TRANSWORLD SYSTEMS ( XXXX XXXX ) Pursuant to 18usc 8, I owe no debt, this company is violating my consumer right to privacy persuant to 15 usc 1681 b2 company has also no permission to report anything using my info pursuant to 15 usc 16814. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company Response:

State: NY

Zip: 14224

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7930678

Date Received: 2023-11-30

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: They have never contacted me, in violation of the fcra and fdcpa. I disputed via the credit bureaus and ask for validation in writing pursuant to us code subsection XXXX et seq. They did not respond, in additional violations of the fcra and fdcpa. They continue to harm my credit whilst ignoring all relevant federal laws. They pretend to operate with impunity. I know they have my address as they bought it from XXXX long ago. Yet I still never received anything from them whatsoever. not verbally nor in writing.

Company Response:

State: TX

Zip: 76227

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7930213

Date Received: 2023-11-30

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Transworld systems inc a debt collector is reporting inaccurately a debt i am not contracted with on my XXXX credit report : XXXX show closed but is reported in collection. I have even sent letter certified mail with return receipt to XXXX and TSI to dispute the erroneous collection, they clearly do not do their part to protect and verify our information properly and violate my rights! I have NOT given them written permission to put anything on my consumer report. i never contracted with TSI, they haven't provided me with any proof of chain of assignment, chain of title, ANYTHING but a computer letter that I contested. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and Anxiety to me and my family!

Company Response:

State: TN

Zip: 38119

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7927003

Date Received: 2023-12-01

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: XXXX will not delete this fraud account. The sent the company my information and then kept this fraud account on my credit report. I have disputed this 90 days ago. XXXX has broken the law 15 USC {$1600.00} b by providing my information to company that has reported fraud on my account. Then On the page of the attached letter they said " We sent the company your information ''. I sent the fraud dispute request to validation the debt ( fraud ) not for them to send my information to them. Now they sent the attached letter with and affidavit to validate a fraud account. I have Attached XXXX bill proving I have a current account the account from the fraud company doe not match.

Company Response:

State: CA

Zip: 92656

Submitted Via: Web

Date Sent: 2023-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7926934

Date Received: 2023-12-01

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: False debt collection, for XXXX XXXX. I do not live in Texas and have not been to Texas for over a decade. The debt is false due to identity theft

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: WY

Zip: 825XX

Submitted Via: Web

Date Sent: 2023-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7917202

Date Received: 2023-11-29

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: On XXXX XXXX Transworld responded to my request to confirm I owed them a debt with a letter stating that the referenced account XXXX was placed in a restrictive status to prevent further collection activity. I know that according to 15 USC 1692j ( a ) that it is unlawful to design or compile and furnish any forms creating false belief that I owe Transworld Systems Inc. I have granted this company many chances to resolve this matter. Yet this account is still on my consumer report. The document clearly does not provide evidence of indebtedness to this organization. Any attempt to collect this alleged debt can be considered fraud because I do not even know how or why they are contacting me and reporting this horrendous information on my consumer report. Every letter I have submitted has tracking information attached to it so I know that my disputes are being received. Therefore I will not accept an excuse to why this matter is not already resolved.

Company Response:

State: SC

Zip: 29209

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7915908

Date Received: 2023-11-29

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: XXXX made a mistake many years ago not finding equipment I returned. It went to collections. I fought it and won. I never owed any of this. It came off credit & was resolved. Now Transworld opened a collection on me & are affecting my score & calling me non stop. Emailing, etc. I dont even owe this & they cant just decide I have a new debt open that was from like 5 or so years ago & was resolved that I dont owe.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 08879

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7915630

Date Received: 2023-11-29

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: The XXXX XXXX didn't reply to my request. On my credit report it shows a debt collection which I don't own.

Company Response:

State: CA

Zip: 92020

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7913863

Date Received: 2023-11-29

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: started in XXXX. I spoke to XXXX XXXX about buying some books so I can train cdl students. I was asked a million questions about me and where I worked and lived. I told them everything truthfully. I went forward on purchasing books, we agreed on a price, I gave them my cc information and then I got a statement from my credit card which did not match what my emails said I would be charged and it was a lot over the amount. I disputed it with my cc company and won. they told me to not contact this company about this it was handled. I heard from a guy in their office later. he said he would send me to collections. he obviously couldn't, now he is harassing my workplace saying that they owe the bill for the books. they made up a collections paper with he city of XXXX XXXX as the debtor. I never said I was purchasing for the city, I never told them it had anything to do with my place of employment. this is a very unethical business. I wrote them a cease and desist letter with the help of a friend that is an attorney and was told to immediately contact you about this and file a complaint. thats what I am doing.

Company Response:

State: FL

Zip: 33040

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7913720

Date Received: 2023-11-29

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: Subject : Dispute of Transworld Systems Inc Dear Sir/Madam, I am writing to dispute the collection activities conducted by Transworld Systems Inc. regarding an alleged debt. My name is XXXX XXXX, and I would like to formally express my concerns regarding the handling of this matter. On XX/XX/2023, I received a call from Transworld Systems Inc. for the first and, as I insist, last time. During the call, I requested that all future communication be conducted through written correspondence, specifically via mail. Despite clearly stating my preferred method of communication, Transworld Systems Inc. failed to honor my request and instead proceeded to report my information to the credit reporting agencies. I wish to emphasize that I have not received any written notices or correspondence from Transworld Systems Inc. regarding this alleged debt. As such, I have been denied the opportunity to verify the validity of the debt, as well as the chance to address any potential errors or discrepancies. Given the circumstances, I hereby dispute the collection activities conducted by Transworld Systems Inc. and request that you conduct a thorough investigation into this matter. I kindly ask that you provide me with the following information : 1. Detailed documentation regarding the alleged debt, including the original creditor, the account number, and the outstanding balance. 2. Verification of the accuracy and legitimacy of the debt, including proof of any contracts or agreements that demonstrate my obligation to pay. 3. Confirmation that Transworld Systems Inc. has complied with all relevant laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ), in their collection efforts. It is imperative that the credit reporting agencies take immediate action to ensure the accuracy and fairness of the information contained in my credit report. I request that you place a temporary hold on any negative reporting related to this disputed account until a thorough investigation has been completed. I look forward to a prompt resolution of this dispute, as well as the removal of any inaccurate or unjust information from my credit report. I trust that you will handle this matter with the utmost professionalism and integrity. Thank you for your attention to this matter. Yours sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company Response:

State: MD

Zip: 20774

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.