Date Received: 2018-04-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Date:XX/XX/2018 Amount : {$100.00} Debt Collector : Transworld System Inc Creditor : XXXX XXXX XXXX XXXX They mailed a letter saying that I missed a toll or so they said because they had my address incorrect in there system. I never received the mail. They then send another notice which I received and called them. They admitted they had the wrong address in the system. They however did not take off the {$100.00} penalty. These actions are unlawful and demeaning. I called several times and everyone I spoke to is so rude and does not want to help me out even tho I have an XXXX XXXX in good standing and never had an account issue. Please help me. Thank you
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Re : Erroneously Classified Defaulted Perkin Student Loans I would like to report suspicious activity and/or an alleged scam on behalf of XXXX College at XXXX XXXX located in XXXX XXXX Massachusetts. I am applying to graduate school and to my surprise I discovered through a FAFSA email on XX/XX/XXXX that I am ineligible for federal student aid because I have student loans in default. According to the XXXX XXXX, I have two Perkins Loans in default, as last reported on XX/XX/XXXX. Loan 1 is for the amount of {$2000.00}, disbursed on XX/XX/XXXX Loan 2 is for the amount of {$1500.00}, disbursed on XX/XX/XXXX. These loans were acquired while I attended XXXX College at XXXX XXXX at the age of XXXX. I am questioning the practices that were employed on my behalf, when I was an underage non-traditional XXXX XXXX. I am unaware that these loans were not included in the forbearance/deferment programs my federal loans are under. To date, Ive never received any repayment communications from XXXX College at XXXX XXXX and/or their associated loan servicers. XXXX College at XXXX XXXX Financial Aid department has had consistent staff turnover, and the Financial Aid Director has changed each school year. I have never seen or signed my financial aid paperwork in-person at the schools office or been given any copies of digitally signed documents. In addition, my financial aid package fluctuated each semester, covering a different portion of my tuition and fees, with unclear processes to continue my enrollment. I am unable to locate these loans in order to petition the default status and make subsequent appropriate repayment arrangements. These loans servicer, according to Federal Student Aid, is XXXX College at XXXX XXXX and the listed phone number to contact is XXXX Therefore, I contacted the XXXX College at XXXX XXXX Financial Aid office onXX/XX/XXXX. I was referred to XXXX XXXX to resolve my problem. I followed up with the number I was provided with. I then discovered, XXXX XXXX is no longer a company and these loans were transferred to XXXX XXXX. Next, XXXX XXXX informed me that my account has been transferred to Transworld Systems Inc. According to Transworld Systems Inc, my account is inactive. I am now in jeopardy of a wrongful lawsuit or wage garnishment from a debt collector/ loan servicer to no fault of my own.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have attempted to satisfy my past due toll amounts with the XXXX ( XXXX XXXX XXXX ). While in communication with them, they informed me, Transworld Systems Inc was handling the collections. XXXX, stated they can not process the payment. I proceeded to contact, Transworld Inc. At that time they informed me my balance totaled {$1300.00}. Of that amount {$170.00} was the " actual '' toll amount and {$1200.00} were " Processing '' fees. As our discussion continued i asked Transworld if they " owned '' the debt. They informed me they do NOT own the debt and are just a collection agency.
Company Response:
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Health Insurance Claim submitted on XX/XX/XXXXfor XXXX XXXX. Insurance received 2 claims for that day, both under billing for XXXX 1st ) Amount paid was {$91.00} 2nd ) Amount paid was {$50.00}. Total paid was {$140.00}. No CoPay charges. Collection agency claims creditor ( XXXX XXXX - XXXX XXXX ) submitted claim for {$71.00} and my Insurance paid {$61.00} and the {$10.00} difference was a CoPay. Insurance has no record of any claims for that creditor, and I had no copay deductible for that period. This claim is fraudulent or incorrect by the creditor.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I received a phone call from a male asking me for my date of birth to confirm a debt a I owed. I told him I do not give out personal information like that to a random person I don't know over the phone. He then stated he was from transworld systems collecting for a {$380.00} debt for XXXX XXXX hospital. I relayed to him that I've paid all bills I've ever owed. He said the outstanding invoice did not include an apartment number and an incomplete mailing address for me, which is why I never received the bill. I gave him the correct address to mail me the bill and any correspondence related to what he claimed I owed. As of XX/XX/XXXX, I still have not received anything in the mail. Upon obtaining a copy of my credit report, I saw that transworld negatively marked it up multiple times prior to XX/XX/XXXX. I went to their website to try to contact them or call, but the website contains no phone numbers or means of contacting them to request again the information they are trying to bill me for.
Company Response:
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2018-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Transworld keeps calling our home number looking for someone who does not live there and has never been associated with anyone in my family. We have asked numerous times to be placed on their do not call list. They say it takes 24 hours to have you removed yet its been 5 days since the last request and they still call every day. I've ask to talk to managers and I get the same story, it takes 24 hours yet they keep calling more than 24 hours later.
Company Response:
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I went to the ER for medical attention on XX/XX/XXXX. I started receiving multiple medical bills for the services provided. I had medical coverage with XXXX. The benefit statements from XXXX for the claims submitted were to be paid by XXXX. During the claim process, one specific provider in the amount of {$2300.00} forward my medical bill to a collection agency, Transworld Systems Inc. They sent me a collection notices and I disputed it, notifying TransWorld that XXXX had paid the provider per XXXX 's billing statements. Thinking this matter was resolved and paid, I did not further investigate. I am going through the process of obtaining a business loan. This collection appeared on my credit report. I disputed it with the credit agencies XX/XX/XXXX. I contacted XXXX. I learnt there was an oversight on their end as far as paying the provider. They resubmitted the claim for process and conference in a call with TransWorld to explain what had happened. TransWorld assured they would contact the provider and confirm with them that the payment was made.I called TransWorld to follow upXX/XX/XXXX. I had to explain the situation and they told me not worry it was under review. I told them this was an urgent matter and I requested to speak to a Supervisor. XXXX XXXX XXXX came to the phone. I again explained my concern and told XXXX I had in my hand a letter that XXXX emailed me explaining the circumstances of their mistake and the provider had been paid. XXXX XXXX, said, he could not help me and he did not have control over the service provider response back to TSI. We would just have to wait. I requested a letter of deletion from TSI in order to provide it to my loan officer. He refused, and said TSI does not provide letters of deletion. After an hour of discussing this with him, I felt I was just being giving the run around. XXXX XXXX XXXX would say, we review each situation on a case-by-case, and then he'd say, they would just listed as paid in my credit report but not delete it. I didn't understand how he could take this stands when it is clearly a mistake and even enough I had documentation payment had been made to the provider. I asked him several times, how can you report this on my credit report if it is in accurate. He kept on referring me back to the provider and saying they ( TransWorld Systems Inc ) are only a 3rd party collection agency. I said, I understood, but TransWorld Systems Inc was the agency reporting the collection and no one else but them can report it. He would not agree with me on that. I this point, I knew XXXX XXXX XXXXs not in the business of helping people and I wasn't going to get help from him in resolving this matter. I went ahead and fax over the information anyway,XX/XX/XXXX/ XXXX XXXX CST. Even though he said there was nothing he would be able to do. I called back and asked for XXXX XXXX after I faxed over the documents. He refused to take my call. I was told it would take 24-48 hours to get the faxed documents uploaded into their system. I've never heard of a fax taking that long. It is clear to me, they are unwilling to corporate with me. I tried resolving this in good faith with them to no avail.
Company Response:
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2018-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I received mail dated XX/XX/XXXX from Transworld Systems , Inc trying to collect {$1300.00}. Company could not produce any contract I signed for XXXX XXXX. Their company buys debt from others looking for revenue. I received no phone call or letter. Most companies trying to collect debt in Maryland from Delaware and Pennsylvania offices are frauds. My information was either sold or obtained fraudulently by this Creditor operating in the most discriminatory areas on the XXXX XXXX. I do not owe Transworld Systems, Inc. Someone sold my information without authorization or this company tracking my credit score. I do not have use XXXX XXXX XXXX
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2018-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: TransWorld Systems has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: ND
Zip: 582XX
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A