TRANSWORLD SYSTEMS INC


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"Products" offered by TRANSWORLD SYSTEMS INC with at least one, but usually more complaints:

Bank account or service - Checking account
Checking or savings account - Checking account
Consumer Loan - Installment loan
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Mortgage - Conventional home mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Credit repair
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 2577397

Date Received: 2017-07-17

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: On XXXX XXXX, 2016, I submitted a formal cancellation notice to XXXX XXXX XXXX XXXX, a massage therapy company which operates in multiple States across the US. The arrangement is that customers sign up and pay a monthly fee of {$59.00}. The contract that I entered into was a " month-to-month '' agreement, which was subject to cancellation by the customer with 30 days written notice, which I submitted, at the direct instruction of the Company on XXXX/XXXX/2016. However, XXXX XXXX XXXX refused to cease the monthly billing to my XXXX XXXX credit card. With the assistance of XXXX ( I reported this practice as fraudulent to XXXX ), I was able to have XXXX XXXX XXXX removed as an authorized creditor with charging rights to my XXXX credit card account. Beginning about six months ago, I began to receive progressively more aggressive phone messages from XXXX XXXX XXXX demanding payment of {$230.00}. Three months ago, XXXX XXXX XXXX turned this matter over to their collection company, Transworld Systems , Inc., which has been hassling me regularly via mail since that time.

Company Response:

State: MD

Zip: 208XX

Submitted Via: Web

Date Sent: 2017-07-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2577180

Date Received: 2017-07-17

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: Hello, I have an XXXX and my account is updated and fully funded. XXXX is provided via XXXX XXXX XXXX website. During my travel from XXXX to XXXX via XXXX , a single toll detector might have failed to detect my displayed XXXX in the windshield. Then I received a traffic violation ticket from with the XXXX XXXX XXXX ( XXXX ) to {$58.00} for a {$9.00} toll fee. XXXX gave me the opportunity to explain the violation, which I did in a timely fashion. I explained to XXXX that as I drove from XXXX to XXXX and back while stopping at a number of tolls, so to have only one toll violation directly points to a faulty detector and not my lack of willingness to pay the single toll at that station. Next, I receive a threatening letter from Transworld Systems inc, threatening me to pay a {$58.00}, without knowing where or who it is or even providing any specific explanation. I am not sure what entity Transworld Systems Inc is, a branch of XXXX or the muscle to collect for XXXX . Moreover, it is unclear where is it located? This is the address that appears : Transworld Systems Inc. XXXX XXXX XXXX , XXXX , OH XXXX . However, there is yet another address that appears on the collection letter : XXXX XXXX XXXX XXXX , DE XXXX . Please investigate, thank you.

Company Response:

State: CT

Zip: 061XX

Submitted Via: Web

Date Sent: 2017-07-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2575676

Date Received: 2017-07-15

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: I have sent this company several debt validation latters. They have yet to reply back to me with specific questions I requested TRANSWORLD SYSTEM to answer. Please see the attachment debt validation letter they have yet to reply back to answering " ALL '' questions truthfully with signed affidavit.

I have NO contract nor have I ever had a contract with TRANSWORLD SYSTEMS INC. of XXXX XXXX XXXX XXXX XXXX XXXX . XXXX , PA XXXX .

Company Response:

State: FL

Zip: 33150

Submitted Via: Web

Date Sent: 2017-07-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2575646

Date Received: 2017-07-15

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: In XXXX XXXX 2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my XXXX XXXX XXXX . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account. XXXX Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt. XXXX I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired. XXXX I asked what system that was, they could n't or would n't disclose that information. XXXX The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process. XXXX Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest. XXXX I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were XXXX to XXXX Eastern ; they are actually XXXX to XXXX Eastern. XXXX All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.

Company Response:

State: ID

Zip: 834XX

Submitted Via: Web

Date Sent: 2017-07-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2572881

Date Received: 2017-07-13

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I feel that I am continually being lied to and mislead by Transworld. I never received proof of the debts from Transworld, and if I had I would have resolved them so they would not hit my credit report. Also Transworld continues to tell me that they are bound to report the accounts however when I have contacted other such agencies in my state they have informed me that they have and do delete from a credit report. So it is obvious that this is their company policy and not an actual law, they have lied to me and knowing that their is zero benefit for the collection company to report these accounts as they are paid in full.

Company Response:

State: WA

Zip: 98023

Submitted Via: Web

Date Sent: 2017-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2571837

Date Received: 2017-07-12

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.

Company Response:

State: FL

Zip: 33573

Submitted Via: Web

Date Sent: 2017-07-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2570700

Date Received: 2017-07-11

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: X/XX/17 I received a phone call from Transworld collection services regarding an unpaid med bill from XXXX XXXX XXXX in XXXX NJ. I have not been to this doctor in 2 years nor have I ever received a bill.

Transworld wanted my dob and ssn as well as address. I did not give this information. I advised I would call the doctors office.

XXXX advised that I had a XXXX balance and that they were having problems with Transworld. I was advised that I was the 100th patient calling that morning.

Today I got another call from Transworld. This time I asked for a supervisor. I advised him that I did not owe any money to XXXX and that XXXX had advised that they were having issues with Transworld. I told him to call XXXX to straighten this out. He advised that he needed my ssn ( last 4 ) and dob to resolve this. I refused to give it to him and told him never to contact me again as I owed nothing. We went back and forth for a couple of minutes before he agreed to take my number out of their call log.

Company Response:

State: NJ

Zip: 08055

Submitted Via: Web

Date Sent: 2017-07-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2569640

Date Received: 2017-07-10

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: On or aroundXX/XX/XXXX I received a letter from TRANSWORLD SYSTEMS INC. a collections letter from XX/XX/XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent in injunction. And it also appears Transworld operated under a different parent company in XXXX and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies.

Company Response:

State: OH

Zip: 43231

Submitted Via: Web

Date Sent: 2017-07-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2568888

Date Received: 2017-07-08

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from Transworld and found out I owed about {$78.00} to XXXX. I paid Transworld I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called Transworld a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.

Company Response:

State: NM

Zip: 88001

Submitted Via: Web

Date Sent: 2017-07-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2567992

Date Received: 2017-06-28

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I co-signed for my son 's private student loan i n XX/XX/XXXX . At the time I was told that after my son graduate 's from college which he did in XX/XX/XXXX . And after a few years of repaying the private student loan as long as it was never late and that it was on a monthly automatic deducted from his personal account I would be able to sign off as a co-signer. This has not happened and I am getting no where 's when I inquire about this matter.

Company Response:

State: NY

Zip: 130XX

Submitted Via: Web

Date Sent: 2017-07-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.