Date Received: 2016-08-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have received two notices from Transworld Systems regarding a debt from XXXX. I contacted XXXX at the phone number provided by Transworld Systems. The number listed was XXXX. There was no response from the other end. It just went silent after connecting. I contacted XXXX at XXXX and spoke with XXXX at XXXX. She and her supervisor, XXXX, could not find any outstanding debt. Also they could not determine the phone number provided by Transworld Systems as one of their phone numbers. I contacted Transworld Systems at XXXX and was disconnected before speaking with anyone. I need to get this fixed right away.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Transworld System Inc. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Transworld System Inc. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Transworld System Inc. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2016-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I own XXXX on a medical bill and I having finance problem.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2016-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: it appears that these debt collectors are have my name mix with someone else as the same as mine and now they coming at me saying i had this account in 2013 it appears to be bogus.
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2016-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2016-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received a notice from XXXX that a new account has been added. A company called transworld systems has put a XXXX debt on my credit. I 've never heard of them. I called them and informed them the debt was not mine. This company has NEVER contacted me in any way. On my report it says this account was opened in XXXX 2016. The listed creditor is not on my credit report anywhere. This debt is not mine.
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Trans world Systems sent collection notice to me collecting on a account that I had previously disputed with the credit bureaus to be fraudulent
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-27
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.
Company Response:
State: TN
Zip: 37601
Submitted Via: Web
Date Sent: 2016-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-25
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Consumer Complaint: They contacted me at my place of work which is highly unethical and against the FDCPA in NJ. The name of the company contacted was Transworld System Inc.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-25
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Transworld sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with XXXX XXXX XXXX which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with XXXX XXXX XXXX because they no longer have the loans. I do see any ownership information from XXXX XXXX XXXX or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was XXXX XXXX XXXX but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. XXXX XXXX XXXX and Transworld are trying to commit fraud against me. I have the copies of all of the complaints I have against Transworld as proof. XXXX XXXX XXXX can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No