Date Received: 2017-03-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.
Company Response:
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. I have asked them to stop calling and the above info XXXX separate times. They call from multiple unidentified numbers.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received a bill from the original source XXXX XXXX XXXX account # XXXX. I wrote a letter to them asking for an itemized bill and to please re-submit the claim to XXXX XXXX because I had exceeded my out of pocket expenses for the year. They did neither request. I was then contacted about aq month ago from a woman saying she was collecting a debt. I told her the same information. She asked for personal information to be confirmed because she would be having the company sending me medical information. I received nothing from her or the company. Yesterday I received a letter from Transworld Systems Inc concerning this debt with the amount claimed and the company on it. My wife and I went to buy a car on XX/XX/XXXX/17 and I was told that my credit score had gone from an XXXX to XXXX because of this " debt collection ''. At no time have I refused to pay. I asked that it be submitted to XXXX XXXX again. At no time was I told I was being put in collections. This company XXXX sent me a bill with no explanation. I have never contracted with them for anything and they are paid by XXXX XXXX XXXX XXXX, MO to read XXXXs and XXXX. They then bill the patient for the difference between their full charges and what XXXX pays them. At no time in the process does anyone explain that a patient must pay the hospital, doctor and then another bill for the same service. I have had a 40 year history of excellent credit ruined by Transworld Systems because it was easier to ruin my credit than to answer questions or provide information. I would like my credit restored, and for XXXX and XXXX to submit the bill back to XXXX XXXX to be paid. At this point I have been severely punished for something I only wanted them to do their job..
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.
Company Response:
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: XXXX with Transworld Systems Inc. called and left message regarding a debt they feel belongs to someone with a name similar to mine. I returned XXXX 's call and spoke with XXXX. XXXX never voluntarily disclosed that we were speaking on a recorded line. I had to ask twice before she told me that call was recorded. I provided XXXX the file number and she wanted me to self identify with personal data. I demanded Transworld Systems Inc . Cease and Desist with emphasis that we were speaking on their recorded line. She was not willing to honor my demand because I refused to self identify in order to verify my personal information, proving I was the person in question. I asked her to tell me what information she had and I would verify hers. XXXX refused to cooperate. I demanded that she contact me in writing.. As I felt completely suspicious of potential fraud. I asked her to mail me documents which her organization has that created said debt. XXXX told be that was not possible because they could not verify my identity. I am not aware of the matter in question. I need a signed promissory note with my signature to prove they have legal standing to contact me regarding this matter. In addition, I filled Bankruptcy, therefore Transworld Systems Inc. needs to contact my attorney. XXXX, Attorney at Law in XXXX, CA. to discuss this matter. Again, this matter causes me great anxiety being that the representatives of Transworld Systems XXXX Inc. are called me randomly without concrete proof they 're calling the debtor of interest. has called me out of the blue despite a bankruptcy, and they have an expectation for me to provide them with personal information that puts my identity in unknown hands. They 've contacted me on a recorded line without revealing the call was being recorded ( proof of this lack of disclosure available upon request. ). collector has grossly violated my rights under the Fair Debt Collections Act. I do not know why this entity has contacted me. I do not have any business with them. They do not have permission to contact me. This was an unwelcomed/unsolicited call.
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2017-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-02
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Did not receive notice of right to dispute. I have a dispute with a pressure cleaning company who damaged my house paint by using chlorine. I intend to sue them. Debt collector should have given me a notice and right to dispute prior to attempting to collect debt.
Company Response:
State: FL
Zip: 33184
Submitted Via: Web
Date Sent: 2017-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-27
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: My debt is from an emergency room visit that occurred after my health insurance had expired. long story short the doctor that " treated '' me failed to do a XXXX associated with the condition and symptoms i was exhibiting and i was admitted to the hospital with XXXX in the weeks following. I was hospitalized and XXXX for quite some time. The bill in question was unchecked and thus went into collections, however i was never notified of this. I have never received any correspondence through mail, email nor received any phone calls regarding my debt being placed into collections with Transworld Systems. The only reason i ever became aware of it being in collections was seeing it appear in my credit report. Since discovering it i have had it disputed and removed from my credit report only to have it reappear a few weeks later. I disputed it again and this time it was not removed. it was after this i received my first and only contact from Transworld Systems which was a letter attempting to validate the collection. In the letter it provides a website of theirs to use in an effort to resolve the issue. The website however requires registration to gain access. And registration is only possible with a registration code that is supposed to be provided prior to being directed to the website. Which was never provided to me. There is a phone number listed to contact as well which i have attempted to call NUMEROUS times however no representative has ever answered. A prompt plays and asks you to hold until a representative is available however after roughly 3 minutes and 30 seconds the prompt replays and at 3 minutes and 54 seconds the line disconnects. Every single time. The situation is asinine and i want to resolve it as my credit is being severely ruined by these shenanigans and with no way to communicate it is infuriating and incredibly unfair. I researched this company and from what i have read i am far from the first person to be taken advantage of by them. An outstanding number of reviews and testimonials were incredibly negative and if they are true Transworld Systems should be subject to legal action.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt per my insurance company was not submitted. I have asked the doctors office multiple times to submit it to the correct insurance company for payment. They refuse to work with me. They refused to allow me to text them a copy of the insurance card. They do not have secured email to send the insurance card to. XXXX XXXX is the contact at XXXX XXXX XXXX and has refused to handle this situation in a professional manner. She has threaten to turn me to collections knowing very well that I have XXXX XXXX XXXX that will pay this in full and I would only owe a {$25.00} co-pay and yet she refuses to allow for a secure way for me to provide the information to her to resolve it. I work onsite with clients in various time zones and ca n't do " old school phone calls '' - they wo n't provide a portal and/or a texting ability to ensure I can securely send the information at a time outside of my normal working hours. They are on the verge of fraud for turning this to collections without processing to the insurance company that I have requested. My husband had me on his policy until end of XXXX 2016 and my insurance started on XXXX XXXX, 2016 so they were to either claim to his first mine secondary and/or determine what was going to pay out the best - mine policy was better and would only be a {$25.00} copay. My feeling is that they are having to write off more with my insurance policy thus trying to use only my husbands policy so they can ask for more out of pocket from me - this is on the verge of fraud and not in the best interest of the customer.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes