Date Received: 2019-04-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have called I have written letters for them to delete from my report
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2019-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company called me and indicated that if I paid them, they would remove the negative information from credit report. After reluctantly making the payment, the information remains and they have no even updated the balance. I've called and written numerous times, but have not received a response. Additionally, after reviewing the medical bills in question it appears that I paid much more than I originally owed. I have also started to receive collections related to this already paid debt. So, did this company have the authorization to even collect this debt?
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been dealing with the company XXXX for a year and a half. In that time, I have had to contact them MULTIPLE TIMES as to the fact that 1 ) I never receive a bill and 2 ) the fact that they report me as being late to credit agencies when the bill is not even due. I made a report to this agency about this XX/XX/2019 and they lied to you saying that they had not reported me as being delinquent in my payments to the credit agency when in fact they had. Someone really needs to investigate this company.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I got a phone call from Trans World Systems. They stated that I owed a debt to a medical doctor back dating back to XXXX. I had recently seen this same doctor on XX/XX/XXXX, and they said I dont have any pending balances. The associate with Trans World was very rude and was hesitant to get my card information to pay for the amount owed. I had told them I can pay the amount this coming Friday ( XX/XX/XXXX ) but that I would call in to give my card number and payment and that I didnt feel comfortable giving them my card number right now. And I also asked to validate this debt but the individual told me that supposedly since XXXX they have been trying to contact me, but I havent gotten calls nor correspondence from this collection agency. They were hesitant and they just hung up on me and said they were going to take notes. I then immediately called the doctors office from where supposedly the original debt is from. They said there is nothing on file and on the contrary, I have a {$40.00} credit on my account and no due balances are listed.
Company Response:
State: TX
Zip: 78046
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRANSWORLD REPEATLY TRIES TO COLLECT DEBT THATS NOT MINE EVEN WHEN THEY REMOVE THIS INACCURATE INFORMATION THEY GO RIGHT BACK AND REPORT AGAIN KNOWING THIS IS NOT MINE THEY DONT CARE JUST CONTINUE TO VOLATE FAIR AND ACCURATE REPORTING.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems Inc has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. InXX/XX/XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XX/XX/XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from Transworld Systems Inc contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from XXXX XXXX XXXX XXXX XXXX XXXX and it will take time, but I need to get this taken care of so I can move on.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Trans World Systems keeps calling me to collect a debt that I never owed. I keep asking them to stop calling and they won't. They call from XXXX.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018, I applied for a mortgage with XXXX XXXX XXXX. At that time, I was informed that I had a collection account of an amount over {$30000.00}. I was working with my mortgage officer to see what we could figure out about this debt. We had contacted the company via the number listed on the credit report that was pulled by my mortgage company. I have been out of school for over 10 years and have never personally made any payments on this alleged debt. Upon further investigation, my concerns grew greater as I found that there were charged brought upon this company attempting to collect this debt along with the company they are representing as a third party collector. When we contacted this number, it took quite a few attempts to actually get someone on the phone. Once we were in contact with someone, I was informed that it was for an alleged private debt that I acquired when I was only XXXX years old. We asked to send validation and/or proof of what this debt was, including but not limited to ; a promissory note, any documentation to prove that this debt was mine, any payment history made along with what accounts they were withdrawn from. As of the date of this complaint and two calls with this company asking them to furnish me with any and all proof that they have that I own this debt ; I have yet to receive anything. This is unfair because it is prohibiting me to be able to purchase a new home. The is abusive because I have now suffered from a damaged collection account on my credit report. I feel that I've been patient enough in waiting for documentation that was requested months ago on multiple attempts. Yet alone being that the requested documents are from several companies listed in in a CFPB filing and ruling against them for what appear to be the same practices taking place against me.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In Mid-XX/XX/2019, I received a letter from Transworld system Inc, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that Transworld was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through XXXX XXXX was going to be terminated or how XXXX XXXX was going to be notified of this settlement result. When I called Transworld Systems Inc for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through Transworld Systems Inc, and no one else. When I called XXXX XXXX, they insisted I needed to pay XXXX XXXX. I called both XXXX XXXX and Transworld Systems Inc multiple times, and verified that that all of my private loan that was being serviced through XXXX XXXX wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both XXXX XXXX and Transworld Systems Inc are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXXXXXX XXXX XXXX without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for Transworld Systems after multiple transfer of calls. Neither XXXX XXXX nor Transworld Systems is willing to look into my situation. Both XXXX XXXX and Transworld Systems are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. I have since learned that neither XXXX XXXX nor Transworld Systems Inc has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. XXXX XXXX XXXX XXXX seems to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I ask CFPB to look into this matter for me. Thank you so much! - XXXX XXXX
Company Response:
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Daily calls for more than a week. Robocalls. No voicemail. Trying to collect a debt for someone other than myself. I have called to ask to be removed from their list, calls continue. Company name is Transworld Systems Inc.
Company Response:
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2019-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A