Date Received: 2018-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My credit card ( XXXX ) had unauthorized transactions via XXXX XX/XX/2017. Two charges of {$370.00} from someone who had shipped something using my card number. XXXX immediately sent a new credit card and voided the charges. I received invoices from XXXX for a remaining balance of {$110.00} and {$370.00} and called them to inform them of the fraud. They voided the charges as well so now there is a balance of {$0.00} on their end. I called Transworld Systems Inc. ( Collections ) telling them what had happened. They are saying that I owe two balances of {$120.00} and also {$420.00}. They told me they are waiting on XXXX to give them the information, but case has been closed since everything was resolved in XXXX and there is a {$0.00} balance. I am concerned about my credit score since they are trying to collect money from me that I do not owe. I filed a police report and also obtained case numbers from fedex today. XXXX said they can not reopen the case due to the date and there not being a balance. This sounds like something that should be resolved between XXXX and their collections agency, but if neither party are in contact with each other, I'm assuming my credit will take the hit if no actions are taken. I currently do not have a way to scan all of the documents into the attachments, but I am happy to provide whatever is needed via fax.
Company Response:
State: IN
Zip: 46947
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I owe a debt of XXXX for a future pay account that the debt collection agency Transworld Systems Inc is handling I set up a payment plan monthly with them I been making my payments ever month on time but they keep calling not me but my husbands cell phone constantly even after repeatedly telling them that is not the correct number to be calling and to stop they apologize and tell me they removed his number and I give them my number but they continue to call him I call them back they tell me the same story they removed his number but yet continue to call him about a debt that is being paid and has nothing to do with him they never call me even after I give them the correct number
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a credit card with XXXX, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until TRANSWORLD SYSTEMS INC started garnishing my wages at 25 percent and is garnishing a total of about XXXX. Never got a communication or sopona to appear in court, never received any letter from either XXXX or TRANSWORLD SYSTEMS INC. Also the garnishment is showing as a Student loan, I do not have any student loans. Apparently Transworld systems is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. I never learned what happened because CPFB doesn't disclose the results of their inquiry. Student with one loan- Federal XXXX TRANSWORLD SYSTEMS INC XXXX XXXX
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems , Inc is a debt collector for XXXX. In XX/XX/XXXX I moved from XXXX to XXXX and paid all utility bills in full prior to relocating. In XX/XX/XXXX I noticed XXXX added a collection account to my credit. I disputed this information with XXXX and provided my proof of payment in full. They removed their account but in turn sold the account to Transworld Systems , Inc in XX/XX/XXXX. In XX/XX/XXXX I signed up with a Credit Counseling company called XXXX and I provided Transworld Systems , Inc with a certified letter asking them to validate this debt within 30 days. They never provided the information but removed the erroneous information from all 3 credit bureaus. On XX/XX/XXXX, I received an alert from XXXX XXXX that a new collection account is on my credit and my score dropped 15 points. This new collection account is from Transworld Systems , Inc with an original creditor as XXXX. I have been disputing this for 4 years and initially XXXX removed it but sold it to Transworld Systems, Inc. I disputed with Transworld Systems, Inc and they removed it since they couldn't validate the debt and now this is the 3rd time this has appeared back on my credit file. I have not received any letters in the mail or received any phone calls from a live person to discuss this since I spoke with XXXX in XX/XX/XXXX. Transworld Systems , Inc and XXXX are working to erroneously add items to my credit without following any of the CFPB regulations regarding reporting delinquent information to the credit bureaus. Considering they removed the debt twice after receiving certified letters from me, proves the debt is not valid so I am not sure why they would legally be allowed under any CFPB or Fair Credit Reporting Act to continue to add erroneous items to my credit report after they have been disputed and removed.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The insurance company XXXX ( XXXX XXXX XXXX , XXXX ) advised that the claim was filed and they requested numerous times from the hospital additional information that they did not receive to process the claim. The Hospital ( XXXX XXXX ) states that the insurance company needed a medical release form for any pre-existing medical condition from me and that was holding up the processing of the claim. The insurance company was provided a medical release from me when I purchased the insurance policy to review any pre-existing conditions and they never requested from me an additional medical release so that information is untrue. The hospital turned the debt over to Transworld Systems Inc., who has never contacted me only reported it my credit report the incorrect dates for services and amounts and I have contacted them several times about this and they advised that XXXX XXXX has confirmed that they have the correct dates and amounts which is untrue. When I contacted XXXX XXXX they gave me different dates and amounts which I have recorded. Additionally, in one of my most recent telephone conferences with XXXX XXXX I was advised by a billing supervisor that they claim was not filed correctly and that this account would be wrote off their books. The hospital also filed the claim with XXXX XXXX and XXXX XXXX insurance companies neither of which I had medical insurance with. The dates I was in admitted for observation are XX/XX/XXXX and XX/XX/XXXX. The billing statement sent to me from XXXX just a couple weeks ago shows billing charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which are incorrect. The collection agency has the amount of XXXX to be collected on my credit report and the hospital is stating that I owe XXXX that include charges for dates that I was not even in the hospital and the year as XX/XX/XXXX not XX/XX/XXXX. I have tried several times to get this matter corrected and neither the hospital, the insurance company nor the collection agency are willing to help. I advised them that I would be filing complaints with the Missouri Attorney General 's office, the FTC and the XXXX XXXX XXXX. The billing supervisor at the hospital advised me that I should also file a complaint with the state health medical insurance agency also and laughed. This is almost 6 years old and I am tired of fighting with the hospital, insurance company and collection agency. They know what they are doing is wrong.
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Dear whom with concern, Hope all is well. I'm XXXX XXXX and thanks for your help. Actually, I got a letter from collection company 'Transworld System Inc. '. This is related with XXXX XXXX XXXX XXXX. I called to the company and they said it's about {$320.00} for 3 toll violation collections. Each is {$100.00} and the original amount is less than $ XXXX. I don't know when was the violations. I have XXXX account and I always pay the toll automatically by the Tag by XXXX since XX/XX/2016. I have all the transaction histories. I called the XXXX and they told me it's already transferred to the collection company and they don't let me know when was the violations. And the collection company wants to contact XXXX. so could you contact them and adjust total amount? I'll pay for the original amount but I can not pay over {$300.00} for them. And I'm worry about my credit history. I attached the letter for {$210.00} and evidence of XXXX account since XX/XX/2016. Thanks, XXXX XXXX
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I went to XXXX XXXX Medical Center onXX/XX/XXXX I was billed XX/XX/XXXX and a check was written out to the hospital on XX/XX/XXXX and I do have a copy of that check. After I paid the bill I continued to receive collections notices of the same amount from Transworld Systems Incorporated. They clearly believed that I still owed the already-paid debt so I decided to call Transworld Systems Inc., unfortunately I did not keep track of those dates but I called several times. Someone eventually called me back to say the debt that was already paid would be resolved. I decided to send them a letter and proof of payment this was sent on XX/XX/XXXX. As of todayXX/XX/XXXX they still have the debt of {$120.00} as still owed, even though it was already paid. I would just like to know when this will cleared if ever? I was notified by my bank sometime in late XX/XX/XXXXthat the so-called debt of {$120.00} was bringing down my credit score. I do not know what else to do at this point. I have all my papers, bills and a copy of the check that was maid out to the hospital.
Company Response:
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, Pa.XXXX On XX/XX/2017 my wife traveled on the XXXX XXXX XXXX making 4 trips, she said that she paid each time with cash, but didn't get a receipt. I received written notice that my vehicle failed to pay this toll, after some back and forth a company named " Transworld Systems Inc. '' contacted me via a written notice that they were now attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX. The amount was {$220.00}, after several phone calls Transworld Systems Inc., said they would agree to a payment of {$120.00} as payment in full and that they would notify XXXX XXXX XXXX XXXX that the debt was paid in full by way of this settlement. Transworld Systems Inc. XXXX XXXX XXXX XXXX, Oh. XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-30
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: I closed an account with XXXX as I sold the home. Moved to XXXX from XXXX. Even though I gave my forwarding address, I never received any kind of final statement. I never even thought about it until I heard from XXXX a year later ( XX/XX/XXXX-XX/XX/XXXX ). I paid the bill immediately over the phone and expressed my anger that I had never heard from them before now. TSI told me that if I paid it would be not be reported. It is on my credit report ( as paid but late ) and costs me money as it affects my credit score. I have spoken to both XXXX and TSI. Each says the other is responsible and neither one has the power to remove this from my report as neither one placed it. I am very frustrated with the lack of resolution from a debt I would have paid had I ever received a statement and did pay over the phone once I heard about it! Help!!!
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: These are the following accounts TransWorld Systems Inc/XXXX XXXX # XXXX TransWorld Systems Inc/XXXX XXXX # XXXX
Company Response:
State: TX
Zip: 77015
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A