Date Received: 2017-04-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this account with the doctors office in full. They mistakenly turned it over to Transworld Systems Inc. Transworld Systems Inc then placed a " Major Deragatory '' on my credit report. I had a arrangement with XXXX and honored it. To make matters worse XXXX misdiagnosed me and almost XXXX me. Thankfully I was rushed to a competent physician and had XXXX with in hours.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2017-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I borrowed {$10000.00} from the XXXX ( XXXX ) in XXXX and in XXXX. After taking their finance charges and interest rate up front ( {$140000.00} ) the actual monetary value that I received was {$8600.00} for each year, {$8400.00} of which went to pay my XXXX XXXX tuition for each of those two years. For a total Principal of {$17000.00}, I paid XXXX $ XXXX {$30000.00}. I asked XXXX on many occasions to send me a statement stating that my Loan had been retired. I never got any response back from them. Years passed until one day, I received a call from a debt collector purporting to represent XXXX in their attempt to collect an outstanding {$30000.00} debt that reportedly owed. Of course I disputed this and sent them documentations of payment I sent the Agency over they years. I never heard from that particular Debt Collection Agency or XXXX again, except every few years, another debt Collecting Agency purporting to rep rent XXXX will resurface and we will go through the same thing again. In XXXX this year ( XXXX ), up until the present ( XXXX/XXXX/XXXX ), I started receiving a barrage of harassing and threatening phone calls at all hours of the day, sometimes as late as XXXX ; on weekdays and on weekends. They would call one of my Mobil Phones by the hour-it got to be so annoying that I decided not to recharge the battery when it died down and instead started using my second Mobil Phone which is unlisted. I have blocked the multiple different numbers that they use only for them invent another phone number. They have so many deferent phone numbers- more numerous than the XXXX so it was futile on my part to try to keep blocking these numbers. Somehow, they got my work phone number and has been calling my practice non-stop and disrupting my daily clinic activities when I am caring for my patients. Despite my telling them to cease and desist, these threatening and harassing phone calls continue unabated. The calls have been relentless. Even though, I told them the debt has been completely paid off and I do not owe any debt, they threaten to sue and take my property. They have gone as far as fictitiously conjuring a figure of {$130000.00} out of thin air as the debt that I owe. To make good on their threats, they have referred this non existent bogus debt to an attorney who in tandem with Transworld Systems Inc. continue to threaten and harass me and my family. They left a message with my wife to call them urgently to discuss the {$130000.00} phantom debt or else they will take legal action against me. Despite telling them about the history of the XXXX Loan and letting them know in no uncertain terms that I have paid the debt in full, the harassing and threatening phone calls continue unabated. Sincerely,
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: Transworld Systems is now servicing my defaulted student loans. They called me and I informed them to stop calling me about the matter. They acknowledged the request and said they would stop calling me. They stopped calling me for a couple days then began to harass me with calls again. I, again, called them back and asked them to stop calling me about the matter. They have not stopped harassing me after acknowledging the request twice.
Company Response:
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Trans world Systems Inc call nonstop from numerous different numbers several times a day, both robot calls and human callers. They never leave a message, when spoken with they refuse to give any info just want me to pay them I do n't know if I even owe as they refuse to send any info to validate. They threaten legal action w the courts, wage garnishment and use bullying tactics to get me to give my personal SS & DOB but refuse to give me any proof I owe any money.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to Transworld Systems Inc by XXXX in XXXX XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by Transworld, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay Transworld and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XXXX/XXXX/XXXX and my score was XXXX. On XXXX/XXXX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by Transworld Systems Inc . The same account that I had paid in XXXX of the previous year. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that Transworld reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact Transworld again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for Transworld to live up to the agreement we made in XXXX of XXXX and remove this negative mark on my credit bureaus. I have made additional attempts to have this removed from XXXX directly and was unsuccessful. I spoke with a Transworld Systems supervisor on XXXX/XXXX/XXXX and he reiterated that their company policy was to report current status. He validated that I had called their office on XXXX/XXXX/XXXX to inquire that the reporting to the credit bureaus was fixed and he interpreted that as meaning paid in full. I stated that it was about removing it altogether as I was informed by a rep from their company that it would be after I made payment. He also said that what I was told by a rep in XXXX XXXX was incorrect and in fact that I could not review the call recording made in XXXX of XXXX and that no effort would be made to retrieve it. He suggested I write to the corporate office with a " letter of concern ''. Again I am looking for Transworld Systems Inc to live up to their promise and remove this tradeline from XXXX major credit bureaus.
Company Response:
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I keep getting calls from Trans World Systems, XXXX. I have told them on at least two occasions that they have the wrong person and phone number but the calls continue. In their recorded message they refer me to an XXXX at an XXXX number.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: there is a electric bill in my name from XXXX energy that I disputed years ago. they said I owed XXXX and I never believed that I owed that much. years later I receive a letter in the mail XX/XX/2017 stating that I now owe on the same bill XXXX which is ridiculous. I do not agree with paying this large amount. especially when the beginning was only XXXX which I felt I did n't owe that much.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Incorrect information on credit report
Subissue: Information is not mine
Consumer Complaint: Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment
Company Response:
State: TN
Zip: 37069
Submitted Via: Web
Date Sent: 2017-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No