Date Received: 2018-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THey have now called me 6 times. i have reported a complaint now 4 times on this company. at this point i am hiring a lawyer.
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally. Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change. I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion. Since this was not my fault, it is not fair that my personal credit scores are being harmed.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX I took out a Private Student Loan with XXXX that is now being serviced by XXXX XXXX XXXX, XXXX ( XXXX ). After graduating and beginning to pay my student loans, my credit score dropped considerably. I viewed an in depth XXXX report recently that revealed this student loan is being reported by XXXX to the credit bureaus as a revolving line of credit instead of an installment line of credit as a student loan should be. XXXX is reporting the " current balance '' and " beginning balance '', which results in a 93 % credit utilization score on my report as if this is an open/revolving credit account that I can still draw funds from, which like all student loans I can not and have not been able to since graduating college. They are also reporting the loan terms as " revolving '' according to XXXX. The $ XXXX loan balance is lumping in with my credit card balance of revolving/ '' bad debt '', raising my total utilization percentage, and lowering my overall credit score. I wrote the following complaint to XXXX on XX/XX/XXXX : " Good afternoon, I am writing in regards to my XXXX student loan. I am contacting you because this loan is being reporting incorrectly to the credit agencies as a line of credit instead of a student loan. This is damaging my credit score due to the fact that it is being reported with an open/current balance and a " credit limit '', which appears to be the original loan amount, which is resulting in a Credit Utilization rating of 93 % as if this was a credit card or a revolving credit account that I could still draw funds from, which it is not. I can see that XXXX is reporting in the comments section " Credit line no longer available - in repayment phase ''. I do not understand how XXXX can be reporting this as a line of credit if in fact XXXX is aware there is no credit line available at this time, and is in fact reporting this information, although only as a comment. I would therefore like someone in your credit department to contact me as soon as possible to rectify this, as it has been damaging my credit score for a great length of time now due to the fact that this $ XXXX student loan is being lumped in with credit/revolving debt and driving up both my total revolving debt balance and my total utilization percentage. I would prefer to correspond via email and can be reached at XXXX. If that is not possible, I can be reached by phone at xxx-xxx-xxxx. Thank you, xxxxx '' I received the following reply on XX/XX/XXXX : " Dear xxxxx, Thank you for contacting XXXX XXXX XXXX.
We are correctly reporting the loan as a revolving line of credit for education purposes. It is not considered an installment loan. We have requested a status letter be Emailed to you that will list : both loan ID number & number for the Line of Credit, as this is what other lenders see ; Original date of loan, original balance, current balance, amount/date of last payment and next required payment date.
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST.
Sincerely, Borrower Relations XXXX XXXX XXXX XXXX XXXX XXXX '' I then received the Status Letter on XX/XX/XXXX from XXXX XXXX ( information below ) that stated the following : " This letter is in reference to the Line of Credit or Private Loan through XXXX. At your request, XXXX XXXX XXXX is providing the following information on the account. ''
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a notice about a debt I supposedly owe to a company named TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX XXXX. I believe that I do not owe the debt they are claiming that I owe. The letter they sent me is very vague and they are saying that I owe {$43.00} which is a very payable amount. I can't imagine that I or anyone would allow such a small bill to go to collections. That seems crazy to me. When I searched online for information about TRANSWORLD I saw some lawsuits and scam reports that have me highly skeptical and I wonder if this is really a phishing scheme for a group that is trying to steal my identity. Lastly, there are three different addresses on the letter for them. One listed above, one where I am supposed to send my payment TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX and yet a different address for where this bill was supposedly sent from, also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2018-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IN REGARDS TO : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I REQUESTED THAT THE COMPANY DO A DEBT VERIFICATION AND VALIDATION AFTER I SEEN THIS REPORTING ON MY CREDIT FILE. I NOYFIED THE COMPANY THROUGH LETTER CERITFIED ON XXXX XXXX RECEVIED BY AGENT XXXX XXXX.I EXPRESSED IN THE DEBT VALIDATION LETTER AND DEBT VERIFICATION THAT I AM VICTIM OF IDENTITY THEFT AND THIS ACCOUNT THAT THEIR CONTINUING TO TRY TO COLLECT ON IS CLEARLY NOT MINES, AND CEASE AND DESIST REPORTING IT TO THE CREDIT BUREAUS. MY REQUEST AND DOCUMENTATION OF THE ADDRESS THEY ARE REPORTING WITH THE ACCOUNT I HAVE NEVER LIVED AT WHICH MAKES NO SENSE I'VE HAD SEVERAL ITEMS IM FIGHTING ALONG WITH THEM FROM THIS SAME ADDRESS. IT HAS CLEARLY GONE UPON DEAF EARS. TRANSWORLD SYSYTEMS HAS YET TO PROVIDE ME WITH A ORIGINAL CONTRACT OF SOME SORT THAT HAS MY ORIGINAL SIGNATURE AND DO NOT PROVIDE ME WITH A BOLIER POINT BILLING STATEMENT OF CHARGES. ONCE AGAIN I'M SO UPSET ABOUT THIS AND IT'S APPARENT THAT WHEN YOU ARE A TRUE VICTIM OF IDENTITY THEFT AND YOUR IDENTITY HAS BEEN STOLEN NO ONE SEEMS TO CARE. THESE THEIVES WILL GO AS FAR AS TO PAY THE BILLS TO LIVE AS YOU.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2018-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Received phone a phone call last week from Trans World Incorporated regarding a debt. Informed them at that time that I was on medical leave with no income, would make a payment when able. Received a phone call XXXX from trans world on line XXXX at XXXX and was hung up on. Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected. Return the phone call, am identified and disconnected. Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date. The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today. I did offer to send blood. I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt. I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”. I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word. I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader. I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact. She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks. I was not offered a post dated payment option. I was not offered a payment plan. I was only offered / demanded payment in full today.
Company Response:
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie. I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.
Company Response:
State: OR
Zip: 97213
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested to have an unfamiliar debt verified. I did not receive any validiation, i.e. signature, contract, copy of ID. on XX/XX/18 I mailed a certified request of validation. I received a letter from them and they just verified my name and " total balance due ''
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Got a pre recorded message from Transworld Systems Inc on the XX/XX/XXXX. This is not the first time they have called. I called number back and was told i do not have a file with them. I have asked them numerous times to put me on their do not call list to no avail
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ). I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX. On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX. I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone. This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A