Date Received: 2018-02-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account with TransWorld inc for ( purchasing power ) is Paid in full. Not sure why this is the 3rd complaint I am filing in this credit reporting agency. But I am now requesting this gets further filed with fraud department. I no longer want to proceed with keep filing complaints at this time, they are constantly reporting inaccurate information on report, which is effecting my name. Please refer to 2 complaint filed on this same agency-TransWorld inc. I have paid in full my account. 1st payment on XX/XX/XXXX of {$620.00}, 2nd payment for remainder balance {$300.00}. Today my credit report shows a NEW report again from this agency, not surprising at all? Because they have been making fraud statements on my report, first report there was nothing reported to my credit report, sent a complaint with an attachment showing it was on my XXXX report. Now that is paid I show a NEW collection has been added to my report on XX/XX/XXXX. How is this possible when you got paid in full and sent a letter stating I paid in full. PLEASE VIEW ATTACHMENT AGAIN where this is now on my XXXX! If this is resolved accordingly with all 3 complaints I will move forward with an attorney, because consumers has rights to fair reporting. Thanks. ( Please do not delete complaint ) sent on : XX/XX/XXXX @ XXXX
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2018-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/XXXX For the last several months I have received a daily recorded phone call from a company called XXXX XXXX XXXX XXXX XXXX. The message states this is XXXX XXXX XXXX and you need to call XXXX and reference ID number XXXX. Ive ignored it over and over and over knowing that I had no debt to be collected and assuming it was a scam. Finally after being woke myself on a day off and having the grandchildren woke up when visiting I decided to call it back and see if I could get it stopped. On XX/XX/XXXX I called them back. They refused to let me talk to a XXXX XXXX XXXX and XXXX insisted she could take care of the matter. I gave the ID number and they were looking for somebody named XXXX. I informed them there was not and have never been anybody named XXXX at this number and to please stop calling. They told me they would remove our number. Again this morning they called leaving the same recorded message more than 24 hours after I ask them to remove our number. I called them back and got a gentleman that I couldnt understand and again ask for XXXX and was told that he doesnt talk to people. He only leaves messages but they would let me talk to a supervisor. I got somebody that told me her name was XXXX XXXX. She told me that she would remove our number and it would take 24 hours ( same story I got more than 24 hours ago ) and that if they called again I could call XXXX. I informed her I was filing a complaint against them because I had already ask them to remove my number and told her I was turning them in as a scam company since they had nobody there named XXXX XXXX XXXX. She tells me they do have that person but he only leaves messages. To repeat and be clear the message we get it recorded and not a personal message. She then just talked over me telling me a scripted message about them removing the number in 24 hours when it has already been more than 24 hours since I ask them to remove my number. They call from one of 3 numbers : XXXX XXXX XXXX The follow is the dates and times I have that they have called dating back to XX/XX/XXXX. Unfortunately I had deleted anything further back than that. XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I looked them up online and it appears their mailing info would be as follows. Transworld Systems XXXX XXXX XXXX XXXX XXXX, DE XXXX
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Transworld Systems has called me repeatedly attempting to collect a questionable medical debt from a provider dating back to XX/XX/2014. Recently, they began calling my daughter on her cell phone attempting to collect the debt. I have never received any documentation establishing the validity of the debt from either the provider or Transworld. I contacted Transworld today and spoke to an agent, XXXX XXXX, demanding that Transworld immediately cease and desist from calling my daughter or any other family member, and requesting detailed documentation that established the validity of the debt.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to XXXX XXXX XXXX XXXX for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Payments to XXXX XXXX XXXX/Transworld : XX/XX/XXXX {$150.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$710.00} Total : {$990.00} This company had garnished my taxes last year on XX/XX/XXXX and I had made payments towards the balance due the previous dates listed above as well, but because of them charging me interest ( about XXXX $ ) every month, It had built up to the same amount balance I owed last year. Therefore I am just repaying the same amount I paid last year and the remaining balance due. Which is basically paying the total debt amount due twice instead of one time. Ive called the supervisor twice to resolve this issue and the company itself several times to resolve this issue but theyre saying even with me setting up a payment plan theyre going to charge me about XXXX $ a month anyway.
Company Response:
State: HI
Zip: 96813
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original creditor is " XXXX XXXX XXXX '' and I have contacted them via telephone and was told that they had billed a different source responsible for my services than the usual one and that they would correct the billing to the one they usually billed.I was told that they would notify " TransWorld Systems Inc '' to Cease and Desist immediately.TransWorld Systems has reported this account to the CRA 's as a COLLECTION ACCOUNT to my credit files in the amount of {$1700.00} which has had a damaging effect to my credit record with the ( 3 ) reporting agencies.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2018 I received written notification that my past due account had been turned over to a collection agency named Transworld Systems Inc for the amount of {$70.00}. I have not received any bills or notices of amounts due from the company listed on the notice ( XXXX XXXX XXXX XXXX ) I have no dealings with XXXX. I made two attempts to contact this company and was not able to get through, but rather went into a recorded queue which eventually put me into a voice mail box.
Company Response:
State: GA
Zip: 30721
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My Private Education Loan provider, XXXX XXXX XXXX, received payment in full from the assignment of XXXX XXXX XXXX XXXX during enrollment. XXXX XXXX XXXX and XXXX XXXX practice was to fund educational classes with private loan funds and apply student approved Financial Aid to cure outstanding educational balance. All Federal Aid funds disbursed to College was applied to any outstanding balances leaving a XXXX loan balance and should be reported correctly to all three credit reporting agencies.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loan was transferred to this company right after the loan was disbursed to me, and ever since then I have had multiple issues. I made a payment of {$30.00} on XX/XX/XXXX, however when I checked my account at a later date, the payment was never applied to my balance. After calling MULTIPLE times and speaking to multiple different representatives, there was still no resolution. I was always told that an account specialist would contact me but I was never contacted. I later made another payment on XX/XX/XXXX that was not applied to my account, and now my interest is much higher than it should be. The service from this company is disgusting and my complaints always fall on deaf ears. Every time I call no one acknowledges my concerns, and they always give me the run around.
Company Response:
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After initially telling Transworld Systems , Inc. that I was in the process of disputing the claim with my insurance provider, they called a few more times, but were not pushy after I explained what that I was still working through the process with my insurance provider. Then, upon the final decision by my insurance provider, I tried to go online to the site and with the registration # provided to me in the letter from Transworld. The website address was correct, but when I tried repeatedly to enter my registration code and information, the message that I had an invalid registration kept popping up. I used 2 different computers and 3 different web browsers and still never could log in to pay the bill. I called 2 different numbers provided by Transworld for help logging on to pay the bill. They were never helpful about my login issues and kept pushing me to pay over the phone and kept saying they'd send a confirmation letter to my mailing address. I knew from reading complaints on the CFPB website that those letters often never came. I want to pay it in full, online, so I can print out the confirmation page myself to turn in for my HRA account. These conversations happened Friday, XX/XX/XXXX. The amount owed is {$2000.00}. As it stands today, I still can not log on and pay my bill using the information they've provided in a letter and over the phone. I want to pay the bill and I can pay the bill in full, but I will not do it over the phone as I do not trust this company. I will pay online where I can print out proof of the payment. The first person I spoke with was not helpful regarding my log-in issues and just kept pushing me to pay online. I hung up and called another number and that person at least tried to tell me he'd " reset my registration code and that it should work now ''. The new code he gave me didn't work either - it seemed he just made it up on the spot - and then he kept pushing for me to pay online as well. Again, I do not want to give my credit card information over the phone to this company. I will pay online only.
Company Response:
State: TX
Zip: 79605
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A