Date Received: 2017-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRANSWORLD SYSTEMS INC. HAS FAILED TO TIMELY VALIDATE THE ALLGED DEBT AS REQUESTED BY MY DEBT VALIDATION LETTER SENT TO THEM OVER 2 MONTHS AGO. BASED ON INFORMATION AND BELIEF, THE ALLGED DEBT IS NOT MIND. THESE PEOPLE CONTINUE TO CONTACT ME AT HOME OVER AND OVER WITHOUT VALIDATION.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I filed bankruptcy in XXXX XXXX . My bankruptcy was discharged XXXX XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday XXXX / XXXX / XXXX there were XXXX collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.
Company Response:
State: IN
Zip: 46158
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am contacting your agency after attempting to resolve this matter with TRANSWORLD SYSTEMS INC and disputing with all XXXX credit reporting agencies. When I initially found out that TRANSWORLD SYSTEMS INC was reporting negatively on my credit report it showed up as XXXX account. After I dispute the item TRANSWORLD SYSTEMS INC turn around and add a XXXX collection negative item to my credit report for the same exact amount of XXXX . I have requested that creditor validated validity of this debt by provide with copy of sign service contract and Identification on individual services was rendered to.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX / XXXX / XXXX We purchased a product called XXXX off a direct marketing infomercial. On XXXX / XXXX / XXXX they claimed it was for XXXX with 100 % money back guaranty. So we ordered it it wa s a 4 week supply. We tried it for two weeks. It made my wife XXXX . We called the company they told us they was not going to honor the guaranty. So I called my credit card customer service. Advised me to dispute the charge. So they can correspond with the merchant foe me .so I did do so. The credit card company sent the merchant numerous requests to correct the issue they didnt respond to the credit card company request during the required time allowed. I received a response from the credit card company that they had made a ruling in this dispute case. And refunded my account from this merchant. They advised me that this issue was solved.
Now I have received letter from transworld system inc collections on XXXX / XXXX / XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX contact # XXXX . Requesting me to respond within 30 days. I tried to call the contact # and get a recording that this phone # is out of service Can pleas assist me in this matter XXXX and XXXX XXXX XXXX cell XXXX
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I unfreeze my credit on XXXX to apply for a house and this collection account shows up on XXXX / XXXX / XXXX one day later. I have received no formal notice of debt from this collection agency or whatever the original company is. No one has contacted me from this collection agency. This appears fraudulent because I have health insurance and an XXXX at work I could have paid this from. Date Reported : XXXX XXXX , XXXX Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status TRANSWORLD SYSTEMS INC XXXX XXXX , XXXX {$350.00} {$350.00} XXXX XXXX , XXXX UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency XXXX XXXX , XXXX INDIVIDUAL_ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX
Company Response:
State: WV
Zip: 25705
Submitted Via: Web
Date Sent: 2017-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company called Transworld Systems INC repeatedly calls my phone asking for my XXXX XXXX XXXX daughter for debt collection for XXXX XXXX of {$5.00}. I have called the company directly to get this matter resolved and they continue to run me in circles. I have talked to 3 different people asking for them to provide reason and exclude my daughter out of this and they keep telling me it 's a mistake on their part for not switching over the information. I received paper work after 4 months of having them calling me repeatedly and I continuesly asking for the paper work. The paper work recieved says that they can not run an investigation for the amount owed and they still have my XXXX XXXX XXXX selected for collection. I did not receive any paper work before hand of the amount due. The initial phone call that I received about the amount due was the collection agency needing payment from my daughter around XXXX of XXXX . This collection is from XXXX and I had no record prior for the amount due. My XXXX XXXX XXXX daughter has not recieved any paper work prior to the initial phone call either. They told me by law they did not have to send any information of the amount due before they sent it to collections.
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2017-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: We received a bill in the mail from Transworld Systems INC that states a balance of {$72.00} has been placed with them by XXXX XXXX XXXX XXXX XXXX The bill is dated XXXX / XXXX / 17 however we received a week later. We never never received an original notice of any bill directly from the XXXX XXXX XXXX and there is no itemization of what the original bill amount was, and if there is a surcharge that is being added to the amount. Within the letter it even states " If you have an income tax refund, perhaps you can use the proceeds to pay this amount. '' We have received no proof of any original bill and have no idea how any debt is being charged and for what reason. We have never had the XXXX XXXX XXXX come to our home for any reason and do not believe this debt is valid, and may be fraudulent.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2017-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TSI i s reporting account number XXXX on my credit report after it was paid. I was told it would not be on my credit report.
Company Response:
State: NJ
Zip: 07719
Submitted Via: Web
Date Sent: 2017-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received notification from Transworld Systems Inc, Debt Collector on XXXX XXXX , 2017. Called Debt collector on XXXX XXXX , 2017 to find out more information regarding debt owed. I told them I would need to contact the insurance company regarding payment. Received insurance information on XXXX XXXX , 2017 showing debt paid to creditor. Called debt collector on XXXX XXXX , 2017 and gave them the information. Debt collect will not allow scanned email of insurance information but will allow fax or mail. Both can be unreliably when trying to prove they received the documentation.
Company Response:
State: NH
Zip: 03053
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2017-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A