Date Received: 2016-06-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a debt with XXXX in which I was paying for a deductible for an accident. I set up a 6 month payment arrangement with an agent for {$310.00}. The first deduction was electronically pulled from my account on XXXX/XXXX/2016. I received no email or written confirmation of this agreement nor did I receive a receipt. I had no idea, at first, what the charge was because all I saw was the amount deducted from my account. I call them in XXXX to request statements and complain about not receiving any. Then I was informed I still owed XXXX after I had already made 4 months of payments. I was also informed the representative that set up this arrangement did not follow proper procedures and that a 6 month arrangement was not an option, that I was supposed to make that payment in 30 days. I then informed them I would not be paying the new balance as that is not what I agreed upon. That day I spoke with XXXX different people from TransWorld. The last person I spoke to was a manager by the name of XXXX XXXX, phone number XXXX. I asked him to retract the recorded call in which I agreed upon the payment arrangement. That was The week before XX/XX/XXXX, he told me to call after the holiday. I told him I did not any more payments being deducted from my account until we figured out what was going on with my account. He assured me he cancelled any future payments. I called XXXX XXXX the first week of XXXX as I finally got my first statement in the mail from Transworld stating they would deduct XXXX from my account on XXXX XXXX. I called XXXX XXXX again to ask him why I was receiving this notice after I told him I wanted to cancel any further payments and he assured me it was just an automatic statement, and that the funds will not withdraw from my account. I also asked if he had heard back from the department that has access to the recorded calls. He said he did not, that he would give me a call tomorrow after he spoke with them. I did not receive a call from him the next day. It is not XXXX XXXX, 2016 and Transworld deducted XXXX from my XXXX XXXX XXXX account today. I am now canceling any future payments from this company with my bank and I want to take legal action.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2016-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, WI failed to Bill Medicare within the 1 year limit for services. They have turned the account over to Transworld Systems Inc. for collection despite my providing proof from Medicare that this was an error their part.
Company Response:
State: WI
Zip: 54311
Submitted Via: Web
Date Sent: 2016-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless. I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I. Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
Company Response:
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2016-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I keep receiving notices from Transworld Systems that I owe XXXX XXXX {$45.00}. I have called and sent payments, but they keep billing me. I think I 've paid bills I did n't actually owe just to get them to stop. Each one is about 2 months apart. I have n't even been to XXXX since XXXX 2016! My bank shows {$45.00} sent to XXXX XXXX on XXXX XXXX, 2016. Today I got another bill for another {$45.00} from Transworld. This has shown up on my credit report. Every bill has a different account number and frequently a different mail-to address. I want this stopped. XXXX XXXX is a good company, but their billing practices are not. I do n't get bills from them. I just get late notices. And they do n't answer their own information lines. Neither does Transworld.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I bought the car and then I sold the car. The car is not mines anymore. I sold it back in 2014 to a junk yard.
Company Response:
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2016-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2016-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am a senior who went to XXXX in XXXX GA on XXXX/XXXX/16. My insurance paid their portion and my portion was {$84.00}. I paid the bill in ( 3 ) parts as follows to XXXX GA via money orders from XXXX XXXX : 1 ) XX/XX/
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2016-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: TSI handles my account under XXXX. Accounts XXXX. XXXX and XXXX. I started up a payment scheme with them XXXX 2015. A {$50.00} payment is being debited to my XXXX Account every payday or every other week. When I remarried last XXXX 2015, my wife started to handle my finances and tried to consolidate all my debt. She had been calling TSI starting XXXX this year to check for the total balance of the said account. She asked for receipts or any form of confirmation as to what accounts had been paid off and how much remaining balance. In the course of these phone follow-ups and exchange of letters, she found out that there was around {$500.00} that was not accounted. She was exasperated that the Customer Service people she spoke with like XXXX XXXX, XXXX, XXXX XXXX, can not give her what she was asking. Until we paid off the remaining balance last XXXX and we asked for payment history. TSI sent a payment history and there were payments that was not accounted for. We are thinking that we overpaid them since we are not certain as to how much is the total balance. We wrote another letter to TSI addressed to XXXX XXXX and sent them copies of the XXXX check that was debited but was not accounted. Total amount was {$500.00}. However, TSI did not address the over payment issue but replied that the account was already settled and closed. We believe that we need a proper payment accounting of all the checks that we paid. Previous letters did not reflect the payment at all that is why we believe we over paid. Is it still possible to claim back the over paid amount? Please help shed light on this matter. Thank you.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2016-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was assigned my current home telephone number approximately XXXX months ago. Since the assignment I have received numerous unsolicited calls and XXXX put a stop on XXXX of them. However, Transworld Systems , Inc., a collection agency attempting to collect a debt has consistently continued to call me even after I have called them on XXXX different occasions giving my name and telling them they are calling the wrong number. Using their ID code XXXX they verified they are collecting on XXXX different people and my name is not among them. They promised to remove my number from their records again today XXXX/XXXX/16. I am sure I will continue to receive their calls since I have called them XXXX times before. Listing of calls : XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 It is illegal to call after XXXX XXXX but they did
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-08
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX ON XXXX/XXXX/XXXX - I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No