Date Received: 2015-10-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: Dear Office of Transworld Systems Inc., I am writing in response to your letters dated XXXX XXXX, 2015, ( copies enclosed ) as I disagree with the account balances that your office has purchased. This is the first I 've heard from you, therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in XXXX ( 5 ) Statute of limitations and how your office has determined if the amount are under or past the statute of limitations and for which state.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2015-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Unceasing contacts from XXXX different 'collection agencies ', from XXXX different phone numbers. Calling my office ( number provided ), my cell, have called my spouse at work, my inlaws on home and cell, my father in New Yourk, and sister-in-law in New York. They identify themselves, but refuse to say who they are calling on behalf of unless I affirmatively identify myself with SS #, date of birth, or some other 'personal ' information. Tried once to get them to stop after they got to my wife at work, but insisted on my affirmative identification in order to 'change my contact information '. Calls from second number/company seeking 'employment verification ' for me. The call to my father got a little further, as he and I have the same name ... so when asked, he 'identified ' himslf by name and they did tell him what it was for and for how much. My office assistant has to field these calls daily, and that is embarassing as well.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2015-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Continued calls and voice-mails everyday for a debt that does not belong to anyone in my house. I have called them back and told them they have the wrong number many times but they continue to call.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Transworld Systems Inc., sent a collection notice of an overpayment from FL. XXXX, ( Unemployment ). # 1, they had wrong address, ( no Apt . # ) so I received this I do n't no how late. # 2, my main complaint, I called the number on the envelope ( XXXX ). I was finally told they did n't have my account number, which was on the letter in their system and call ( XXXX ) after 10 minutes, I was told to call ( XXXX ), after a couple of sales pitches, I was again told it was n't in the system, ( mind you, I am only trying to pay a debt! ), I finally got in touch with an associate, that found it, but ... ...., was told I had to call, you got it, ( XXXX! ). I tried this circle again, and after over an hour got nowhere.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-24
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: Frequent calls at my place of employment and told them to not call my job as I could lose my job. They will not give me any information on why they are calling.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2015-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-23
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have tried repeatedly to contact trans world systems on XXXX to figure out why a medical debt for {$51.00} is showing on my credit report and I follow the prompts ( 1 for english and so on ). It asks me to enter my ss # and then I 'll be transferred to an agent. Each time I do and then the line just hangs up!
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX is billing me for service at a home that never had XXXX service in it 's history. When calling XXXX XXXX, they do not know what I 'm talking about as they have no information for service at this address, yet they have notified the credit bureaus as an unpaid debt. Bottom Line - XXXX can bill every address in country and make everyone pay {$200.00} just to get it removed from their credit reports and they make the dispute process extremely difficult
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2015-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This complaint is about Transworld Systems. I had several accounts with XXXX XXXX. physicians, XXXX. I paid off all of them ... but one. I honestly did not know I had an outstanding bill. I thought the bill was paid in full but is was not and it went to collections. I received two weeks ago a mailed statement by Transworld Systems for the XXXX XXXX balance. {$1200.00}. I tried to call and set up affordable payments and get due dates to Transworld but when I called they could not find my acct. information by name, number, SSN. I had tried several times to get them payment. Since I was not successful by phone I used the mailed statement from Transworld and set up an account online using the website, registration code and directions they provided to me in that statement. I set up my profile and logged in. I was going to make a payment to them but logged out since they did not take the only form of major credit card that I have. Today, I tried to log back in to their website so that I could contact them and I have not been able to access my account. When I try and log in my user ID and Password SEEM to work but my verification question answers do not. The screen tells me messages that my SSN is wrong or my telephone number information is wrong. That is not the case since they worked before. I really think that log in is a kind of dummy acct so that they can initially get more information or it is just a scam or they lock it once they have your information. The contact telephone number they provide to reach them for log in help on verification screen does not even work! I called another number from the statement and I finally got a representative and he had my information this time. I was told by him that he ca n't give me any information about my account besides the balance I owe until according to the rep. that I " Go to XXXX and get a prepaid Visa or XXXX to pay my bill only then ( they ) Transworld, XXXX XXXX ( sp ) the rep. can set up payments and give me my acct. access online to pay my debt! They asked for a full amount. I said I can do payments and I will mail a check and that is when the rep. had told me to go to XXXX for the PrePaid Visa card and then once I have it to call him back ; he would be there till XXXX XXXX. He was polite. I told him I do not live near any XXXX ... frustrated I ended the call. Why do they make it difficult!!!! They want all my information but wo n't give me information, they want the full balance due on my medical bill. I ca n't pay online, they do n't take my brand of major US credit card and they do n't want me to write a personal check- the statement states that I can send a check! So that is what I am going to do and for the amount that I can send. What more can I do? I am more than glad to pay for my outstanding debt but I just ca n't get seem to get them my money. Why do they need to make it hard for me to pay them! I even tried to speak with the original debtor, XXXX XXXX to confirm that Transworld is really legit. Transworld seems disorganized and scam like. I asked if XXXX could retrieve it from Transworld ( since they take my credit card ) and they said no. Do either company really want my money? Transworld communications feels like a scam. Bad service and bad business practices by Transworld Systems, ( XXXX ) XXXX. I contacted THEM to make a payment. Again, why be so difficult. Two weeks dealing with this so far ...
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I checked with XXXX There is no record of me owing this money. I contacted Transworld Systems to clear up the matter. They failed to give me any details about the bill and abruptly disconnected the phone call.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2015-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-21
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: Transworld Systems sent me a letter indicating they collecting a medical bill debt. I believe I have paid this bill and attempted to call their customer service number multiple time. There is no answer -- only a strange message about an extension number. I logged on to their website only to find there is no way to dispute this debt on the website. They provide the same phone number described earlier. This also happened to me in XXXX 2014. I still have that issue on my credit report. This company makes it difficult or impossible to contact them.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No