Date Received: 2021-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a formal complaint against Transworld Systems Inc located in XXXX, MO. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XX/XX/XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXXand not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Transworld Systems is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however Transworld is adding over {$46.00} a month to the debt and putting that information on my credit report.
Company Response:
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report
Company Response:
State: FL
Zip: 34110
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: As a student beginning college in XXXX, I was approved for a student line of credit through XXXX XXXX XXXX XXXX with a co-borrower. The loan servicer for the account is University Accounting Services, LLC ( XXXX XXXX XXXX At the end of XX/XX/XXXX, two statements were posted one of which had the correct billing date ( XX/XX/XXXX ) and {$0.00} due with the cycle ending XX/XX/XXXX, while the other had a cycle ending XX/XX/XXXX ( total interest charged for 8 days despite the cycle length being 31 ) and a billing date of XX/XX/XXXX and {$690.00} due. My co-borrower called XXXX XXXX on XX/XX/XXXX and talked with the loan servicer on the phone. XXXX XXXX confirmed that the statement with the cycle ending XX/XX/XXXX was sent in error. My co-borrower also asked that the loan disclosure documents be made accessible on my account and was told they would be there in 3-5 business days. The only documents to become available online after 5 days were my past statements. To this day there are still no loan disclosure documents on my account. I became extremely concerned when my statement due to arrive in XX/XX/XXXX was not posted until XX/XX/XXXX and noticed the information on this statement was based on the error statement. After discussing with my mom, who works for a credit union, we were under the assumption that the error statement would have been removed and the new previous balance listed on the statement for XX/XX/XXXX would be the balance of {$100000.00}, which was listed as the new balance from the XX/XX/XXXX statement ( the one that was deemed to be correct by the loan servicer ). However, the balance listed is {$100000.00} that was stated on the error statement. I also noticed that the due date for payments had suddenly changed to the date of the 18th of the month and not the 10th. Since the statements are off, I am not sure if I am being over-charged in interest as that is what it looks like. After seeing the statement posted XX/XX/XXXX, I immediately sent a secure message through their website, which is their suggestion, informing them of my issues and requesting a full account audit from loan inception through the current statement period. I gave them 30 days and have not heard or seen anything. I also do not have a statement for XX/XX/XXXX ; not sure if that is considered an issue especially when my next payment would be around XX/XX/XXXX, but I currently have no idea how much I would owe. I realize it would be XXXX since I am in deferment, but if that was not the case I would be cutting it really close. I would also like to point out that when calling in to their number and giving my SSN and DOB to confirm my account, they are unable to recognize that I have an account. So, I am concerned. And being a recent graduate, I was not fully expecting to be dealing with something like this, which has caused an increase in my anxiety. It seems as if the loan servicer is ignoring me at this point.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a bill from XXXX XXXX XXXX XXXX for medical procedures in the amount of {$240.00} I paid the debt on XX/XX/XXXX and have a credit statement to prove it. Apparently it had been sent to debt collectors : Transworld Systems INC prior to that. Since then I have received multiple correspondence from them trying to get me to pay the debt. I called XXXX XXXX XXXX to confirm my account was paid in full on XX/XX/XXXX. On XX/XX/XXXX the billing department called and confirmed that my account was paid and that they would contact the debt collectors to tell them. On XX/XX/XXXX I received a debt collection notice for {$240.00} dated XX/XX/XXXX stating : " It has been our experience that much of the debt assigned for professional collection is resolved before it reaches this stage in the collection process. This matter, however, has not yet been resolved ''. I called XXXX XXXX and Transworld Systems INC to dispute the claim with no success yet. Again -- this debt is paid in full.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I shipped two envelopes from a local XXXX store. The total charge ( for two photo envelopes, each sent to different addresses ) came to a total of {$32.00}, per my credit card statement for the month of XXXX. I used a rather unique combination of my name and my partner 's name ( we do not share a last name ) to send the envelopes. On XX/XX/XXXX, I received a collection notice from Transworld Systems , Inc dated XX/XX/XXXX, addressed to the same unique combination of my & my partner 's names, stating that we owed a debt of {$1000.00} to XXXX, and that XXXX had turned the debt over to Transworld Systems. At no point prior to this had XXXX tried to notify me of any outstanding debts, nor was there any indication that there would be any further charges after I paid to ship the envelopes. I am sending a debt validation letter to Transworld Systems today, but I have read that they unlikely to remove the debt ( or will likely just send it back up to XXXX ) without me filing a CFPB complaint, as well. I will also attempt to file a police report later today.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter on XX/XX/21 from TransWorld Systems , Inc., claiming they were trying to collect a debt for {$1100.00} for XXXX XXXX XXXX XXXX XXXX. The letter was dated XX/XX/21. This is the first time I have ever heard of this debt, and I certainly do not owe XXXX any money. I have written a debt validation letter to TransWorld which I will mail on XX/XX/21. I plan on filing a police report in XXXX, PA, claiming fraud.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, this is in response to XXXX Please see the attached information regarding my emergency room debt with XXXX XXXX. As you can see, on XX/XX/XXXX, they were advised that I did not have insurance and a discount was applied. Please review to see why the amount you are providing me is showing the procedures without the applied discount. Please reach out to the hospital to verify the debt you purchased.
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/24 I paid my Infinite energy account of {$90.00} in full. After making payment I was informed that the paid in full letter could not and would not be provided to me any sooner than 3 business days and could not and would not be provided to me by any means other than mail or fax. I did not and have not received verification of the payment to date. I have called multiple times to speak with a supervisor and they never come to the phone to address my issue. I have called a total of three times today and each time I believe the supervisor refuses to speak to me. This proof is vital to my survival at this point because it is holding me up from getting a place to stay! I have expressed this with the company over and over again and all they keep telling me is they can't provide me with the proof of payment in full. They claim to expedite the request but I have not received any communication. The agents are giving me different time frames ranging from 1-10 business days. The supervisor was supposed to call me back, but hasn't I guess they do not care. I just want answers on when I should truly expect my proof. At this point, they are refusing to provide me with proof of my payment in full and I have a right to have that.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XX/XX/2020 I have received a letter by mail from Transworld Systems Inc also known as TSI. stating that the information I provided them is not in their system and to please send them by mail my account number, how much I owe, and my social security number. The amount I owe is XXXX but my information is not attached to this amount or any amount for that matter. To my understanding if I owe this company money. They should already have this information in their system. Therefore Im disputing this debt due to the lack of information that they have on me. They only have my name and address. Ever since I contacted the company in XXXX of 2020. I have yet to receive any type of bill from them that I owe them.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A