Date Received: 2016-02-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid this debt that was an amount not covered by my insurance upon the first notification. I have gone in person to the Provider and they have apologized and stated the debt collection company is acting outside the agreed guidelines and I should have never received a demand for payment from the debt collection agency. I have now received another demand for payment for a debt that was properly paid.
Company Response:
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2016-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this debt and then I started getting collection letters from Transworld Systems , Inc. The debt was originally from XXXX XXXX XXXX XXXX which I did pay late, but now have a XXXX balance. I checked online with XXXX and it does show me having a XXXX balance. I paid the debt with my credit card several weeks ago and I 'm still receiving debt collection letters.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2016-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received an alert from my credit monitoring agency that a collection was placed on my credit report on XXXX XXXX, 2016 by Trans-world collection agency. I never received any notice of my right to dispute the debt. The collection just appeared on my credit reports. I spoke with a Trans-world representative and she gave me a number to fax a letter demanding due process. To date I have not heard from them. Please assist me in removing this negative information from my report and give me time to check with my health insurance about this medical bill of {$55.00}. The representative admitted that there she did not see any documentation of communication with me.
Company Response:
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I believe I am subjected to aggressive billing and collection practices after receiving treatment at a non-profit hospital ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Ga ). I was denied by the billing department when I requested a copy of their information on their financial assistance and billing and collection policies ( XXXX/XXXX/XXXX ). The following is a copy of a letter I mailed to the collection agency ( TRANSWORLD SYSTEMS , INC, COLLECTION AGENCY ) : I am demanding that the debt of {$83.00} be removed immediately from my account and that no adverse credit reporting be made to my credit report. In addition, I am requesting in writing that a letter be mailed to me to the above address that this invalid debt, ( 1 ) is taken out of collection, and ( 2 ) that this debt be eliminated from my credit report. The reasons that this action should occur immediately is because ( a ) XXXX XXXX XXXX XXXX used aggressive collection practices to collect a debt that ( 1 ) by XXXX XXXX XXXX XXXX XXXX that once Medicare approved the services, then XXXX should have paid for the remaining services, and ( XXXX ) XXXX XXXX XXXX billing should have contacted XXXX to verify what the {$83.00} debt was for. The debt was not a deductible as XXXX in billing at XXXX XXXX XXXX explained to me ; the charges were for facility usage charges. In addition, the billing department should have been clear of what the XXXX bill was for ( i.e. deductible or facility charges ) and therefore because there is a failure on XXXX XXXX ' billing to find out the nature of the medical claim charges, this invalid debt was placed in collection. A second claim was submitted by XXXX XXXX XXXX for a medical claim adjustment XXXX for charges of {$1400.00} ( i.e. the first claim was submitted on XXXX/XXXX/XXXX for {$1000.00} ). Therefore, XXXX thought I had XXXX colonoscopy procedures. In addition, as is stated in my first priority mail letter ( i.e. XXXX XXXX in XXXX, PA and to XXXX XXXX XXXX XXXX, XXXX, dated XXXX/XXXX/XXXX ), I was never given the opportunity to ( a ) be offered financial assistance, ( b ) nor a payment plan. In addition, if a letter was sent out ( c ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( i.e. mail notifications were never received ) ( i.e. mail is known to get misplaced or lost around the Holiday Season ) then why is this debt sent to collection in 60 days. I received on XXXX/XXXX/XXXX a letter from XXXX XXXX stating that that this was the FINAL NOTICE dated XXXX/XXXX/XXXX but yet I have a contradictory letter from TRANSWORLD collections that the debt was placed in collection on XXXX/XXXX/XXXX. This is unfair aggressive billing practices by XXXX XXXX XXXX XXXX and must by law be removed immediately. Finally, per a telephone call on today ( i.e. XXXX/XXXX/XXXX ) to a XXXX the claim specialist ( a ) will be mailing out an adjustment check in a couple of days for {$83.00} cents to XXXX XXXX XXXX ( i.e. XXXX responsibility per their claim and billing policies ). Therefore, because this is an invalid debt, ( a ) and it never stated on the bill the exact nature of the services ( i.e. XXXX in billing said it was for a deductible, ) ( b ) the billing department failed to do due diligence because once they were aware that it was a facility charges then, ( c ) XXXX XXXX should have pursued XXXX, ( d ) and therefore this invalid debt should have never been sent to collections. In addition, I was never given an opportunity to be offered ( 1 ) a payment plan, ( 2 ) financial assistance, ( 3 ) or a statement of their financial assistance and billing collection policies ( i.e. requested a copy but XXXX stated that did not have such policies? More importantly after talking with XXXX who agreed to pay the bill and I informed XXXX at XXXX XXXX that this was an invalis debt, ( a ) she lacked due diligence by not following up with XXXX and ( b ) to take the invalid debt out of collections.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have XXXX primary forms of Health Insurance and was told XXXX XXXX XXXX XXXX XXXX XXXX accepted and would process my claims thru each of the health insurance companies. I have contacted XXXX XXXX several times and received XXXX cooperation from administration. All Items and equipment was returned and no longer deal with this provider. I have found a medical provider that has accepted my XXXX and XXXX as full payment! Please contact me if you have any questions. Thank you.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-09
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts military clothing limit XXXX Take Home today limit approx XXXX Normal Credit Cart XXXX in went into collections in 2013 since then I have had my income tax garnished approx XXXX, my military pay garnished approx XXXX, I recently paid {$1000.00} dollars in XX/XX/XXXX, and will pay XXXX more this month. However the balance is XXXX dollars, my attempts to get them to explain how the number is so large i.e. where are my payments have not been successful. I was told I would have to wait for a letter 45 days to explain the payments I made and the debt I owe. It seems that the balanced should be much less than the current amount.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Had a period in time where finances were struggling.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2016-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: TSI has failed to communicate with me the balance of the account, what fees I am being charged and why. I have sent letters, contacted people ( specifically XXXX XXXX, because she deals with people once they complain ), I have been told that the information I have asked for has been sent to me ; however, even with the correct address the information fails to reach me. This is a shady company that is not verifying why they are taking what money for. In the last CFPB complaint I filed they did post a payment and charge statement ; however this never disclosed the balance, what fees were being charged. They are only allowed to charge XXXX % as I have been told by TSI employees and XXXX employees. This company says they can change what is allowable by the credit agreement, but failed to send me a copy of the credit agreement, as well as the agreement between them and XXXX.
Company Response:
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Consumer Complaint: I became behind on my XXXX XXXX XXXX when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have an outstanding derogatory balance on my credit card statement, while I have been on-time with close to XXXX % of my payments that I have ever been bound to. This debt collection company has never made an attempt to contact me via phone, mail or any other means of communication.I suspect that the balance has been subject to excessive charges if it is in fact my debt or it is a debt that is due to identity theft or other unauthorized activity.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No