Date Received: 2017-05-11
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This company repeatedly calls me at XXXX and XXXX Alaska standard time.
Company Response:
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Received judgment court papers regarding debt in which I was unaware of what it was Until I realized that this was a creditor hat I had previously disputed on credit report. The court papers list plantiff as XXXX XXXX XXXX or XXXX aN D XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . as their attorney and my mom and I as defendants. I did some research and I found out these creditors were hired to collect on student loan they allege I obtained and allege my mom co-signed. However, these creditors did not properly set forth identity of the original student loan creditor or any promissor documentation. Also, creditors alleged this is a debt that was obtained over 10 years ago. I am a victim of identity and my mom is a senior over XXXX so I am very concerned about this matter. My information and my moms was used before fraudently for a mortgage loan also over 10 years ago. I believe these predatory creditors are in violation of the California consumer credit laws : Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act. I have attempted to dispute items on credit report
Company Response:
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have written to t he Consumers Affairs about this agency several times about the tactics of this collection agency. They keep inserting negative medical information in my credit report. I am in dispute with this medical facility. My insurance company is involved in the dispute. I will also be reporting Trans World to the governmental agency that handles HIPAA violations. I informed TransWorld via this site that I was not giving them permission to access my medical records. They accessed my medical reco rds anyway in detail. XXXX Acco unt Owner : Individual Account. Original Amount Owned : {$710.00}
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The Company, TransWorld Systems Inc, has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in XXXX , with the XXXX XXXX at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the TransWord Systems operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by TransWorld, the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Transworld S ystems/TSI claims on my credit report that they are collecting a debt of {$400.00} on behalf of XXXX XXXX for a recently charged off account. I have n't had an account with XXXX XXXX since XXXX of XXXX , and I had received no notice of a debt from Transworld, so I called the original creditor on XXXX XXXX , XXXX to verify that no one had recently opened an account using my information. They told me the closed account date they have for me is XXXX XXXX , XXXX and the charge off date was XXXX , XXXX , XXXX , and they have not had an account for me since. They sent me the proof of dates the accounts were opened and closed. I contacted Transunion a s again, I have received no contact with Transworld, not by phone, not by mail. I told them this creditor has illegally reaged this account, and that I have received no communication or validation of this supposed debt, yet as of today they consider the matter settled and the account remains as a negative collection on my credit report with an origination date in XXXX XXXX . My issues are that I have received zero communicatio n, zero proof of debt, and I have evidence from the original creditor that they have illegally reaged this debt that was originally reported to them in XXXX of XXXX . They are lying on my credit report and saying that the original creditor contacted them in XXXX of XXXX , which the original creditor says is a flat out lie and they suggested I contact your agency. I want to sue them for their illegal practices that are damaging my credit and costing me money in the forms of higher interest rates and outright denials for the extention of credit. They are breaking the law and need to be punished accordingly.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i have been paying this company XXXX XXXX XXXX for the past few years. I have n't received any updated bills or receipts regarding this medical bill. I would like bills regarding this issue so that I may match it with my records to ensure I am paying the correct bills an d the correct amount. In the past few years I have received XXXX different bills from this company and have enclosed information showing where they have been paid monthly and the original bill dates and the amount still owed.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2017-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This compan y, Transworld Systems Inc. keep s calling and leaving messages that we ( they do not specify who they are calling for ) have an outstanding debt that they are calling to collect. They do not say who, where, what amount. We have no outstanding debt. I do not know what this is about and do believe if I call them to " resolve '' the problem I will get anywhere.
Company Response:
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2017-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: First of all I am not sure if this is identity theft of just a debt that is not mine. I received a transmittal fro m Transworld Systems Inc. date d XXXX / XXXX / 17 for XXXX from a client named XXXX XXXX XXXX XXXX XXXX in XXXX ME. I called transworld on XXXX / XXXX / 17 and was advised to contact XXXX directly. I called XXXX on XXXX and spoke to XXXX at XXXX and she informed me that the identity did not match and that she would n otify Transworld . I received a letter from Transworld on XXXX / XXXX / 17 stating that they would like to apologize for sent me a collection letter in error.and to be assured that this had been corrected. Today XXXX I received a letter from XXXX XXXX XXXX XXXX in XXXX ME with the same account number but for XXXX ! I called XXXX XXXX and they said we did not send the letter, Transworld did. I then called Transworld and we went round and round again and they denied sending a letter saying that it wa s an error and could not explain both the difference in the amount owed and also the difference in the original biller. I spoke to XXXX the first time and he hung up on me then I called back and got XXXX again and asked for a manager XXXX and she could not make any sense out of it other than to blame the original billers!! XXXX XXXX also denied me having a bill for XXXX . This has been happening to me over the last year and not just medical bills but also credit card bills. Several charges appeared on my credit cards that I did not make. I am so not sure what to do about this problem. The account number with Transworld is XXXX
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2017-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for TRANSWORLD SYSTEMS lic ense. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. TRANSWORLD SYSTEMS do es not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTI CES ACT 62-20-105 stat es no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. TRANSWORLD SYSTEMS is i n direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: TRANSWORLD SYSTEMS reported an account as open and past due on my credit report after bankruptcy case XXXX was discharged .
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A