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: 3921785

Date Received: 2020-10-27

Issue: Written notification about debt

Subissue: Notification didn't disclose it was an attempt to collect a debt

Consumer Complaint: My electric service provider was XXXX XXXX for 25 years. Moved in XXXX, so closed my XXXX account in XX/XX/XXXX. XXXX would not allow me access to pay online, since my account was closed. Even though had been making online payments each month. XXXX advised me to go to an authorized payment center, and they only accept cash. Never used a payment center before. Went with cash and copy of my bill from XXXX, paid cash and got receipt. XX/XX/XXXX - 14 years later ... received letter from collection agency regarding the last payment to XXXX. Did chat sessions, to resolve, with XXXX today, and was told that my payment was applied to wrong account. How does the individual customer have control over what account they post payment too? All customer support at XXXX said was that this debt was sold, and I would have to talk to the " owners '' which is a collection agency.

Company Response:

State: TX

Zip: 75126

Submitted Via: Web

Date Sent: 2020-10-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3921618

Date Received: 2020-10-27

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have been served a notice by Transworld Systems, Inc that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of XXXX XXXX XXXX XXXX XXXX and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of TSI and XXXX XXXX XXXX to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.

Company Response:

State: TX

Zip: 768XX

Submitted Via: Web

Date Sent: 2020-10-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3917308

Date Received: 2020-10-25

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I am requesting the deletion of Transworld Systems, who is reporting for XXXX XXXX XXXX, from my XXXX Credit Report in the amount of {$4700.00}. I have disputed this account several times to no avail. They continue to report it as accurate even though I have sent proof of my identity, which included a copy of my social security card so they could compare the numbers and they still say it's accurate and it is NOT. Reporting inaccurate information to someone's credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ).

Company Response:

State: GA

Zip: 30144

Submitted Via: Web

Date Sent: 2020-10-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3912469

Date Received: 2020-10-21

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: TransWorld Debt Collecter. I spoke with them found out the debt was from XXXX XXXX, I physically went to my local XXXX XXXX asked about the bill for date given to Trans World XX/XX/2018. XXXX informed me I had NO service done on that date.And if I had XXXX would have paid it with my maximum owed of {$16.00}. I then called XXXX who informed me I had NO bills submitted in or around that date and the sum of {$570.00} is very high for ANY lab test done on me and my maximum bill would only be {$16.00}. I informed TransWorld of this and the 3 reporting Bureaus of this, but they still REDUCED my score 57 points and let stand TransWorlds claim without a physical bill from XXXX the original biller.

Company Response:

State: FL

Zip: 34689

Submitted Via: Web

Date Sent: 2020-10-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3911993

Date Received: 2020-10-22

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: I previously submitted a complaint against TRANSWORLD systems in regards to a collection they continue to report on my credit. They wrote me telling me that they previously replied prior to my first complaint, but I never received the letter they " claim '' they mailed to me. Only after submitting my complaint to the CFPB did I get them to respond. They suddenly sent me a print out of the debt they claim I owe, but they had 30 days to reply to the dispute letter I wrote them, and they never sent me the requested information. Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. Please be reminded of XXXX vs XXXX Law Firm - XXXX vs XXXX XXXX XXXX They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely. This is clear defamation and violation of my rights. I am giving them a final opportunity before I proceed to file a formal complaint with the GA State Attorney and to hand all of this evidence to my lawyer to proceed with a lawsuit in which I will be demanding {$1000.00} per violation if this account is not removed from my credit reports within the next 30 days.

Company Response:

State: GA

Zip: 30720

Submitted Via: Web

Date Sent: 2020-10-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3911970

Date Received: 2020-10-22

Issue: Took or threatened to take negative or legal action

Subissue: Threatened to sue you for very old debt

Consumer Complaint: I just received a bill from the XXXX XXXX XXXX represented by XXXX XXXX for the amount of {$23000.00}. Account # XXXX. It has been 13 years, this loan is from XXXX, and just now they send me this bill, and tell me that they are going to sued me in court. California Statue of Limitations is 4 years.Right? ( Cal.Civ.Proc.Code 312 et seq. ) I file Bankruptcy in XXXX, and this account from the XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report, I don't have any debt account with the XXXX XXXX XXXX or XXXX XXXX. If I own {$23000.00} it should appear in all my credit report agencies, correct? Why they don't report this debt to the Credit Agencies? By doing this they avoid getting bankruptcy?

Company Response:

State: CA

Zip: 92107

Submitted Via: Web

Date Sent: 2020-12-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3911871

Date Received: 2020-10-22

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: Transworld Systems Inc. Failed to provide information proving this debt was mine which is not. this debt is incorrectly there and should be removed immediately or I will take legal action if not removed from XXXX. All contact should be taken up to my attorney XXXX

Company Response:

State: NM

Zip: 87144

Submitted Via: Web

Date Sent: 2020-10-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3911228

Date Received: 2020-10-21

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: Not my account and unaware of it. Did not receive any mail to dispute account. Please provide method of verification, validation of debt and assignment of debt for this account. Please certified mailed delivered wit tracking number. TRANSWORLD SYSTEM INC # XXXX

Company Response:

State: OH

Zip: 44137

Submitted Via: Web

Date Sent: 2020-10-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3910768

Date Received: 2020-10-21

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: There are 2 fraudulent collection accounts on my credit ( XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.

Company Response:

State: NY

Zip: 11434

Submitted Via: Web

Date Sent: 2020-10-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3910594

Date Received: 2020-10-21

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: In XXXX, I was sued by XXXX XXXX XXXX ( XXXX ) for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX of XXXX XXXX, now XXXX XXXX XXXX XXXX. XX/XX/XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to XXXX were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of Virginia, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. One year later, I have still not received any written notification from XXXX or XXXX XXXX XXXX, which they also mentioned on the phone.

Company Response:

State: NC

Zip: 276XX

Submitted Via: Web

Date Sent: 2020-10-27

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.