Transworld Systems, Inc

October 6, Dear *** ***:I acknowledge receipt of the September 8, complaint regarding the above reference accountSince the account validation materials relate to medical issues, TSI will not forward these documents to you, so that there is no potential violation of
federal or state privacy lawsThese materials have been forwarded to the consumerPlease advise *** *** to contact Renee H*** at *** relating to the above accounts.We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her concerns to our attentionLet us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practicesNor are such occurrences toleratedOur employees are trained and are also regularly monitored for compliance purposesPlease assure the consumer that her comments have been thoroughly reviewed and have not been taken lightlyShould it be found that a collector violated TSI's policies and procedures relating to the handling of this account, the collector will be disciplined and retrained regarding TSI’s policies and proceduresFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at https://www.fc.gov; by phone at 1-877FTC-HELP, or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.fic.gov.With the supplied information being forwarded to the consumer, I consider this matter concludedPlease call me with any questions,
Very truly yours,
Cathy BConsumer Affairs Team Lead

January 5, 2016Dear *** ***:
I acknowledge receipt of the December 16, complaint for the above matterSince the account validation materials relate to medical issues, TSI will not forward these documents to you, so that there is no potential violation of federal or
state privacy lawsThese materials have been forwarded to the consumer.TSI has contacted the credit bureaus with which it does business with its request to delete TSI's listing of accounts ***-Dalias and ***-Dallas from *** *** ***'s credit report for the social security number listed in TSI's recordsIn addition, TSI has not reported the account ***-DALLAS on *** ***'s credit reportTSI cannot affect a change to how the creditor or any other company may have listed the above accounts on *** *** ***'s credit profilePlease advise *** *** *** to contact Lita H*** at ###-###-#### for any further questions regarding the above accountsWith the supplied information being forwarded to the consumer, I consider this matter concludedPlease call me with any questions.Very truly yours,Cathy BConsumer Affairs Team Lead

Transworld Systems Inc(TSI) has received your June 16, letter for *** ***TSI has researched this matter and the findings are set forth below:According to TSI records, TSI provided Mr*** an incorrect *** *** City code, which prevented TSI from depositing Mr
***'s *** *** paymentOn June 14, 2016, TSI was able to secure Mr***'s $paymentAfter Mr***'s June 14, payment, he had made six payments and thus he is qualified for Title TSI confirmed that on June 17, 2016, ISAC faxed the Title to Kate L*** at ###-###-####TSI apologizes for any inconvenience this may have caused.According to TSI’s records, Mr*** is currently enrolled in a rehabilitation agreement, which requires nine monthly paymentsMr*** should continue to make his monthly $payments, occurring on the 15" to remain enrolled in the rehabilitation agreement.Please be advised that the above accounts remain open in TSI's system*** *** may contact Rick F* at ###-###-#### for further inquiries on the above accounts.Please be advised that the account balances may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.Our goal is to timely respond to your inquiryIf you have any questions during this interim time, please contact me.Very truly yours,Cathy B***Consumer Affairs Team Lead

I acknowledge receipt of the August 17, complaint for the referenced consumerTSI has searched its databases using the information supplied by the consumer and was unable to identify the specific account that is the subject of the consumer's complaintIn order for us to move forward, we
need specific identifying information including, but not limited to: the creditor's account number or reference number and the phone number that TSI may be calling; so that a full search can be completedA copy of any correspondence the consumer may have received from TSI would also be of assistance.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the *** online at https://www.***; by phone at ***; or by mail at *** *** ***., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the *** online at www.***.
Until such information is received, as noted, we cannot proceed with the research regarding this complaintPlease forward the requested information to the attention of the undersigned at: Transworld Systems, *** *** ***, Wilmington, DE Very truly yours,
Cathy B***
Consumer Affairs Team Lead

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:
TSI has harassed *** *** at work calling him times over the payment and putting his job in jeopardyHe has preauthorized me in writing times yet TSI continues to state they have no records of the consent letter*** *** asked in writing to stop calling him and harassing him while he was at workThe calls continuedTSI has very abusive ways to communicate with customersThey are violating consumer privacy calling rightTSI should be reprimanded for this abusive behaviorWhen reaching out to TSI to make payments they would accept my payments over the phone, however were unwilling to help resolve my issue regarding the double payment processed by them over the phoneI experienced some of the worse customer service and received unprofessional responsesI no longer want to do business with them, they violated their agreement I only owe a balance of $after paying thousands I would agree to settle with the balance being cancelled, I will not settle for anything less as well as *** ***'s credit not being blemished because of this They do not honor their agreements and we should not be penalized because of their bad work ethics
Regards,
*** ***

December 8, Dear *** ***
I acknowledge receipt of the November 30, complaint for the above matterTSI requested and has received validation information for the above referenced accountEnclosed is the validation information TSI received from the creditor that
corresponds to the accountPlease note that TSI has contacted the credit bureaus with which it does business with its request to delete TSI's listing of the above-referenced account from consumer's credit report for the social security number listed in TSI's recordsTSI cannot affect a change to how the creditor or any other company may have listed the above account on the consumer's credit profile.On October 21, 2015, TSI sent an initial notice to the address supplied by the client as a good address for the consumer*** *** may contact Angelia C*** at ###-###-#### for any further questions regarding the accountPlease be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterVery truly yours,
Cathy
BConsumer
Affairs Team Lead

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

August 19, 2016Dear *** ***:Transworld Systems Inc(TSI) has received your August 8, complaint for *** *** on the above-referenced accountTSI has researched this matter and the findings are set forth below:TSI has closed the referenced account in its systemIt is TSI's intent to
have no further communication with *** *** relating to this matter*** *** may contact the creditor at *** * *** *** *** Scranton, PA *** for any further questions regarding the above account.Should I not hear from you within days, I will assume you have ail information necessary to complete your investigation and close this matter.Very truly yours,Cathy B.Consumer Affairs Team Lead

This collection agency keeps calling my number looking for my sister week after speaking to rude rep I stated my sister does not live at the number they are calling I was told the number would be removed after listening to a minute rant regarding how I can't be told how they got my number The next week I get more calls I call back and left a message stating the same information, 'no such person at this number' I still get called so I called back and again had to listen to a minute rant as to why the number wasn't removed because I didn't speak to the EXACT rep I spoke with in the past And after stating I was a woman I was repeatedly called 'Sir' without apology or correction What difference that made I don't know I was told my number will be removed but I hold little hopeI understand collections is tough, but being rude before you obtain any information, and I was forthright with mine, is uncalled for and unprofessional

December 17, 2015Transworld Systems Inc(TSI) has received your December 14, letter for the above consumerPlease be advised that the above-referenced account is closed in our officeIt is TSI's intent not to have any further communication with *** *** in reference to the above
account.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from *** ***' credit profileSince *** ***' social security number was not included in the complaint, we cannot be certain that our request will be accurately processed by the credit bureaus notifiedPlease be advised that Transworld Systems cannot affect a change to how any other company may have listed the above account on your credit profile. Should I not hear from you within days...I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours, Cathy B.Consumer Affairs Team Lead

Transworld Systems Inc(TSI) has received your August 1, letter relating to *** ***
*** complaint filed with the Revdex.com serving Metro Washington DC and EasternPennsylvaniaTSI has researched this matter and the findings are set forth below:Please be advised that the
above-referenced account is closed in TSI’s systemIt is TSI’s intent tohave no further communication with the consumer regarding this matterIn addition, TSI has notreported the above-referenced account on the consumer’s credit reportTSI cannot affect a change tohow the creditor or any other company may have listed the account on the consumer’s credit profile.The consumer may contact *** *** *** *** ** *** *** *** *** ***
*** *** ** *** for any further questions regarding his account.Should I not hear from you within days, I will assume you have all information necessary tocomplete your investigation and close this matter.Very truly yours,

Transworld Systems Inc(TSI) has received your August 23, complaint for *** *** *** on the above-referenced accountTSI has researched this matter and the findings are set forth below:By way of background, *** *** ***'s account was initially placed for collection with ***
Financial Systems, Inc(***)Effective October 31, 2014, *** *** ***'s account was transferred to TSIAs such, TSI is responding to this complaint.TSI has closed the referenced account as paid in its systemIt is TSI's intent to have no further communication with *** *** *** relating to this matter.On July 28, 2016, TSI received *** *** ***'s payment information, at that time TSI advised *** *** *** that his credit report would be updated as paid.TSI has updated the above-referenced account as paid on the consumer’s credit reportTSI cannot affect a change to how the creditor or any other company may have listed the above account on the consumer's credit profile.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,Cathy B***

November 14, 2016Dear *** ***:Transworld Systems Inc(TSI) has received your November 4, letter for *** ***'s complaint on the above-referenced accountTSI has researched this matter and the findings are set forth below:TSI requested and has received validation information for
the referenced accountEnclosed is the validation information TSI received from the creditor that corresponds to the above-referenced account.Please be advised, TSI has placed the above-referenced account in a restrictive status to prevent further collection activity in our officeIt is TSI's intent not to have any further communication with *** *** in reference to the above account.*** *** may contact Renee H*** at ###-###-####.TSI has contacted the credit bureaus with which it does business with its request to delete TSI's listing of the above-referenced account from *** ***’s credit report for the social security number listed in TSI's recordsTSI cannot affect a change to how the creditor or any other company may have listed the above account on *** ***’s credit profile.With the supplied information, I consider this matter concluded.Very truly yours,Cathy BConsumer
Affairs Team Lead

July 24, Dear *** ***:I acknowledge receipt of the July 21, complaint for the above matterPlease be advised that TSI has closed the referenced account as paid in our officePlease note that we have contacted the credit bureaus that we do business with, with our
request to delete our listing of the above-referenced account from *** ***'s credit profile for the social security number we have listed in our recordsTSI cannot affect a change to how any other company may have listed the above account on *** ***'s credit profileIt is Transworld's intent not to have any further communication with *** *** in reference to the above account.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at https://www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ffcc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yours, vCathy BConsumer Affairs Team Lead

December 16, 2016Dear *** ***:Transworld Systems Inc(TSI) has received your December 6, follcomplaint for *** ** *** regarding the above-referenced accountsTSI has researched this matter and the findings are set forth below:As previously stated in TSI's December 1, response to this Revdex.com complaintOn September 20, 2016, *** *** called in from ###-###-#### and verbally provided his financial information*** *** confirmed his yearly income as $12,TSI based their $5.00/per month quote on the information confirmed by *** *** at that timeTo enroll in the rehabilitation program, TSI requires borrowers to complete the Alternative Documentation of Income StatementsTSI emailed *** ***, the Alternative Documentation of Income Statements which requires two most recent paystubs*** ***'s most recent paystubs showed *** *** making more than what was verbally disclosed and confirmedBased upon the new information, TSI quoted *** *** Rehabilitation Agreement at $per month, On October 4, 2016, TSI advised *** *** of the $quote, which *** *** deniedTSI advised *** *** that in order to lower his monthly payment quote, *** *** would need to declare any further monthly expenditures that might adjust his monthly incomeTSI has received no further information from *** ***.On September 20, 2016, TSI confirmed with *** *** that ###-###-#### was a good number for himAfter notice of this, TSI did not place calls to any other phone numbers, regarding this accountAccording to TS records, TSI did not misrepresent themselves as a government agency.TSI has placed *** ***'s account into a restrictive status to prevent further collection activity in our officeIt is TSI's intent not to have any further communication with *** ** *** in reference to the above accounts.Please be advised that the account balances may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,Cathy BConsumer Affairs Team Lead

May 3, 2017Dear *** ***:Transworld Systems Inc(TSI) has received your April 28, letter relating to *** ***'s complaint filed with the Revdex.com serving Metro Washington DC & Eastern PennsylvaniaTSI has researched this matter and the findings are set forth
below:Please be advised that the above-referenced account is closed in TSI’s systemIt is TSI's intent to have no further communication with the consumer regarding this matterFor any further questions regarding the consumer's account, he may contact*** *** * *** at P.OBox ***, Kansas City, MO ***.TSI has not reported the above-referenced account on *** ***'s credit reportTSE cannot affect a change to how the creditor or any other company may have listed the account on *** ***'s credit profile.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,Cathy B.Consumer Affairs Team Lead

June 7, 2016Dear *** ***:Transworld Systems Inc(TSI) has received your June 1, letter for *** ** *** for the above-referenced account.By way of background, the above-referenced account was initially placed for collection with *** *** *** *** (***)Effective October 31,
2014, the above account was transferred to TSIAs such, TSI is responding to this complaint.TSI has closed the referenced account as settled in its systemIt is TSI's intent to have no further communication with *** ** *** relating to this matter.TSI has contacted the credit bureaus with which it does business with its request to delete TSI's listing of the above-referenced account from *** ***'s credit report for the social security number listed in TSI's recordsTSI cannot affect a change to how the creditor or any other company may have listed the above account on *** ***'s credit profile.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very Truly
Yours,Cathy
BConsumer
Affairs Team Lead

I acknowledge receipt of the April 6, complaint for the referenced consumerWe are currently processing this complaint and will begin our investigation shortlyI expect to follwith you on this matter within the next days.Please contact my office directly if you have any
questions.Very truly yours,
Cathy B***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me I am glad they are dropping the issue and any further attempts at collection from us as we have no business relationship with ***, the underlying vendor listed in their collection letter
Regards,
*** ***

September 28, ">Dear *** ***:I acknowledge receipt of the September 2, complaint for the above referenced accountPlease be advised that TSI has closed the referenced account in our officePlease note that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from *** ***'s credit profile for the social security number we have listed in our recordsTSI cannot affect a change to how any other company may have listed the above account on *** ***'s credit profileIt is TSI's intent not to have any further communication with *** *** in reference to the above accountFor further inquiry please contact Education Finance Partners at P.OBox 90659, Los Angeles, CA relating to the above account
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at https://www.fic.gov; by phone at 1-877FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov
Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter
Very truly yours,
Cathy B***
Team Lead | Consumer Affairs
Prudential Rd, Horsham PA Office:###-###-####|Fax:###-###-####|www.tsico.com