Date Received: 2017-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld systems is a debt collecting agency that was used to collect a debt I have already paid. I owed a specific amount to XXXX XXXX for an over draft in my bank account that I was unaware of. I was never contacted or sent any information on this by the bank or the debt collector. I walked into the bank one day found out about the over charge and paid it in full. I was told the rest would be taken care if by the Branch Manager and it would n't even show up on my credit because I had paid the debt in full. It 's been two years, I 've contacted the bank who tells me to contact the debt collector and then they tell me that I have to pay the owed amount they have reported and then contact the bank. This has been affecting my credit for two years.
Company Response:
State: NY
Zip: 13045
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Transworld Systems Inc. sent me a letter after I had sent them a written request not to contact me again in any form. Transworld Systems proceeded to send me a letter after they received my cease and desist letter. T ransworld Systems flagrantly violated the Fair Debt Collections Practices Act with their communication after receiving my written demand not to contact me in any form. Transworld Systems is flagrantly violating the F air Debt Collections Practices Act .
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I went to a XXXX minute clinic for services in XXXX XXXX . Thinking my XXXX card used that day was sufficient, I later learned that it was n't. I first learned that I owed money not from receiving a bill from XXXX , but collection notices from Transworld Systems Inc. a fter the second notice, and some of my own research that I in fact had n't paid XXXX yet, I then paid my debt of {$100.00} directly to XXXX in XXXX XXXX . I am still receiving collection notices fro m TSI ( 4th n otice ).
Company Response:
State: CT
Zip: 06109
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I went to XXXX for school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called XXXX stating i owed them payments never signed up with them apparently XXXX owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by XXXX they couldnt lower the payment since XXXX wont agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a MPN for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through XXXX and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing
Company Response:
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a letter in the mail from Transworld systems inc regarding a debt collection on a traffic ticket from XX/XX/XXXX. The lady was really helpful and offered a dispute for 30 days and also made me aware of 2 other outstanding tickets from XX/XX/XXXX that their sister company XXXX XXXX was handling. I asked for the information and details about that matter. After getting off the phone with Transworld I called XXXX XXXX and spoke to this lady about this matter. She told me that maybe my case would affect my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane ( original amount given to Transworld {$330.00}, amount owed now {$620.00} ) and XXXX XXXX original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly more than twice the original amount and I do n't have receipts or anything it 's been so long.
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2017-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company claims I owe {$190.00} to XXXX XXXX XXXX XXXX . However, I have attached a receipt dated XXXX / XXXX / 16 from XXXX with this specific amount itemized, showing that the bill is paid in full and my total amount due is {$0.00}. I have also attached my credit card statement showing they in fact also charged me more than the amount listed on said receipt. I previously disputed this information and the company continues to report saying it is verified this amount is still owed despite my furnishing proof that it has been paid.
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Horrible consumer/debtor treatment. I settles that acct. Have yet to receive my letter stating I paid. I would like my release letter. I 've called numerous times, and have gotten the same response " we will send it out '' It is on a recorded line agreeing to pay {$200.00} of the {$240.00}.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The compan y Transworld Systems Inc. is a third- party company that bought a collection from a company by the name of XXXX XXXX XXXX . It was assigned on my credit report on XXXX XXXX , 2017 for the amount of {$1500.00}. The company then lowered that amount to {$510.00} on XXXX XXXX , 2017 . Transworld Systems Inc. is NOT a bonded third-party company in the state of Texas, therefore it is against the law to collect on a debt or report a debt to the credit bureaus. I contacted the company Transworld and asked that they verify information and was unsuccessful, Please remove from all XXXX bureaus immediately.
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I was attending school at XXXX XXXX XXXX , when they abruptly closed in XXXX XXXX . I have tried contacting the lender and third party lender about the situation. I never completed my program of study, nor received any credits from the year I was attending school. All they can tell me is that since it 's a private loan, there 's nothing they can do. While attending, I made payments towards the loans. I have XXXX loans opened in my name when I should have only had XXXX . So now I 'm stuck with about {$15000.00} debt for something I will never see. It is very discouraging and I have n't had a chance to even start school anywhere else yet because I 'm still dealing with this problem. I 'm almost XXXX XXXX XXXX and I can not have this. It 's hard enough knowing that I might have to be a XXXX for the rest of my life. I really wish someone could help me instead of transferring me to someone who might be able to help or giving me another number to call that does n't even pan out. I 'm at the end of my rope. Please help!!
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX PURCHASED THIS FRAUDULENT LOAN DEBT, AND IS TRYING TO COLLECT AND POSTED UNVERIFIED DEBT ON MY CREDIT REPORT.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2017-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A